no mortgage, no electricity bills to worry about, no car loans,

no credit cards, and 50 grand just popping into your bank

account every single month. That's what's possible when you have, I know

it takes guts, it takes balls, but what else are you gonna do? Stay in

the nine to five matrix? Fuck no. You're not going to do that. You want to

get you and your family ahead. You could be earning $50,000 to

$100,000 a month through being self-employed and through

business. The secret information that the wealthy people of

the world don't want to tell you how to actually do and that's why I'm sharing

with you today. I'm Matthew Fraser and

this is Amazon Ecom Secrets. I'll be

sharing with you the secrets that helped me go from millions in debt

to an eight-figure entrepreneur. If you're ready to escape the

nine-to-five and live life on your terms, let me show

you the way. Hey, welcome to Amazon Ecom Secrets. My

name is Matthew Fraser and in today's episode, we're going

to talk about something that most of you won't

even know about or think about, but I can tell you

if you're on your Amazon journey, you're going to

want to come across this. now. And

that is escaping the self-employed matrix.

Because I always talk about escaping the 9-to-5

matrix, but it turns out there's another level there. There's another

level. So you get out of the 9-to-5 matrix and then you think,

this is it. I'm self-employed, this is fantastic. But then

what you realize is you're just in the self-employed matrix now. And

then so you got to get out of the self-employed matrix to the whole next level.

So let me share with you how you even do that and

what is it? What does it entail? Let's go back to nine to five. The

nine-to-five matrix is what most people are

in. It's the getting up day in, day out, essentially

like you feel like a slave, you're heading down to the office, you're

punching the keypad, or

maybe you're an outdoors guy, you're laying the bricks, you're shoveling, you're doing

something. And that's pretty much what you do, day in, day

out. There's really no room for much self-improvement.

You just feel like, this is what it is. you just feel

like you're paying bills. That's it. So

you get home, you pay the bills, and then you look in the bank account and

you're like, shit, I've got no money. So

it feels like you're now literally living paycheck to

paycheck. And especially now in this day and age in

2024, when we talk about the cost of living crisis, that's

exactly what it feels like. And so everyone is

trying to think about how do I get out of this cost of living crisis,

which is actually how do I get more money in the bank? How do I have more money left

over in my pocket so I can afford to do things that I actually want

to do in my life? Because if you're like most people, perhaps you're

thinking about you want to go on like an overseas holiday. You know, you see it

on TV, you're flicking through a magazine, you think, yeah, I'd love to go

to Hawaii. That'd be awesome. But then you realize, shit, that's

actually pretty difficult. What are you going to do? Put it on a credit card or

something? Which is probably what most people do. They put it on a credit card and

then worry about it later. Worst thing to do, though, because you're obviously

going to pay interest on that. And I can tell you, you're going to go into

what I call the debt spiral once you start putting

all these things, these luxury things, on credit cards.

Bad, bad mistake. And I think in Australia, most people, we've

got some huge amount of self-personal debt. particular

credit card. So don't go down that path if you can help it.

So that essentially is like the control. This is

the other thing too. You feel like you're controlled by big business,

by the government, by your boss. And

you're just like in this zombie state of just, as

I said, like, just like, I'm just working to pay the bills. And

that's not really what you want life to be about. And

so you start thinking about, How do I

get out of this shithole? How do I get to a position like,

perhaps you're looking at me right now, like I want to be in his position. I want to be doing

45 million bucks. I get it. I want

to be there too. I want it to be here too. And I can tell you,

you want to be here. But it's like, how do I get

there? What steps do I have to take to get out of the

nine to five matrix to even get into the self-employed matrix?

I can tell you, The self-employed matrix is

much better than the 9 to 5 matrix. And

so getting into the self-employed matrix is basically you're

removing the boss control, you're

removing some of the government control, and

you're removing some of

the big business control as well. And you're probably, if

you're in my position, you're going to have surplus money like every

week. You can go on a holiday if you want to, even though I don't

because I'm too committed to you guys and delivering value

every single week. You're probably thinking about, I want

to have a really nice car. I've certainly got like,

I don't know, seven of those. Honestly,

I'm not saying that to gloat, but I mean, it was a lifelong dream of mine was to

literally have a car collection. And so if you don't know, I do

have a Subaru, I'm going to digress here, but

a Subaru car collection, like Subaru STIs from the

1990s. And my claim to fame right now is a 22B. If

you don't know what a 22B is, just go to Google, type in 22B. They

literally ranged from like 400 grand to about a million dollars

depending on condition, but it was like a childhood dream of mine was to have this.

22b Subaru of all cars, right? I could have bought anything, but I bought, I

wanted that one. And so I've got some other Subarus as well. And so

I digress, but, um, I, you know,

you strive for these types of material things. You

know, we all want like material things, a nicer house. And

I think what people think moving from nine to five to the self-employed

quadrant, if I can put it that way, you know, in a rich dad, poor dad

way, from quadrant to quadrant, from

the employee to the self-employed quadrant, is

that you want financial freedom and you want probably more

time with your family. Well, I can tell you that

in the beginning when you're moving from nine to five to self-employed, you

can kiss goodbye anything to do with work-life balance and

spending time with your family. That becomes a luxury. because

you're so engrossed into just building this business and

getting everything right and making as much money as you can. And unfortunately,

it doesn't happen like overnight. You know, like,

you know, when you go from, if you're leaving one employee

job and then you apply for another employee job and you're like, you finished here

on a Friday and then you might like have a week off and then you start on

the other job on a Monday. That's not how it works. You

know, like, and you might be getting even, you get more, more money there. You might be going from like

earning 60 grand a year and you're now going to a hundred grand a

year. But guess what? You still got fucking no money, right? Because

you just, it just gets eaten up in on more bills. But,

but then you have this gap where you're like, wow, I had a week off. Yeah, I

just had to do shit. But when you start in self-employed land,

It's, there's no, there's no like week off. It's like all the time.

It is particularly if you're committed and you want to aim for the goal

of financial freedom. Okay. And if that is your goal, then

you will do all it takes to get there. So

the transition can be quite difficult for people, particularly

having working nine to five and now they're like working all the

time and everything is on a line and you're putting money into things where

you don't even know if there's going to be a return on that money. That is the tough part, right?

There's no guarantees in self-employed land and no one gives a shit about

you, okay? I've said this before, no one

gives a shit about you being self-employed, okay? I

see time and time again, you would think that people like your friends and family might even come

to your business or something and help you and buy some of your

products. They don't care, right? They don't give a shit, which

is sad because they should. They should care about you

and your business and helping you succeed, but anyway. So

back to the self-employed matrix. So we've moved from the

quadrant of employee into the self-employed matrix. You've now

got some of the trimmings like what I have with more money,

better house, nicer cars, car collection. I'm,

but I'm still striving for more. And I'm not saying I'm striving for more

from a material level. I'm striving for more to

have less government control, less big business control,

and more time with my family. And

so how do you do that? Well, the first thing

is you've got to get out of the nine to five. Now,

when I say this, it comes with a caveat. Because if you're starting, let's

say in this case, you and I talk about Amazon and e-commerce. If that is

something that you want to do, I highly recommend that you don't

actually quit your nine to five job. I

suggest that you do your nine to five job while you're also

building your business. I always talk about this. If

you've got a nine to five job, You are practically on

a full-time holiday, okay? Let's just be real. You only have

to go to work from 9 till 5 and you've got from 5 p.m.

all the way through till 9 off and probably two days

a week. You are on a full-time holiday. Now,

I joke around to my sisters about this because they're like, you know, I'm working five

days this week. Yeah, full-time holiday, dude. Right? This

is the reality. But I know you in the

9-to-5 land can think, oh, I'm working so hard. I just saw something on

TV today, literally, actually last night. And

it was the guys who were working, I think it was the agricultural department,

some government agency, right? And they had in

their staff room Lego set. And

I looked at my wife and I was like, baby, this is one of the reasons why

I don't want to pay tax anymore. I want to pay tax to

fund these guys and girls who are working in this agency, which

we're paying for, while they can just play Lego

during the office hours. Because why? Well, they might be stressful. I'm

like, what? What do you mean stressful? Stressful, what do you mean? Stressful's

talking about like ag, talking about agriculture. How about, which

just leads me to something else, which is if you want to not be

stressful, stay in the 9 to 5 job. Because

once you get to self-employed land, you're going to know what stress is.

Yeah, because as I said, no one gives a shit about you. It's going to be up to you to

put money on the table, to put food on the table and

deliver. And if you don't do that, guess what? Your family doesn't get fed

and you're going to be begging them to go back to the nine to five. But ultimately,

if you want the financial freedom and less control, you're going

to have to go down the self-employed route because

there's just no other way. You cannot do it. Okay,

that comes with a caveat. I said you cannot do it, but maybe

you can if you're working for the government. If

you're working off the taxes that I pay as being self-employed.

If you're that person, you're great. You're going to do great. Because some

of these guys who are working in government agencies, who are working in the high level,

these guys are earning literally like $900 million

a year as their salary. It's freaking

outrageous. And that's why I don't want to pay taxes anymore.

I don't want to pay for their lifestyle. But that

is certainly one way you could become wealthy,

I guess, by earning a million dollars a year as

a PAYG employee. But as long as you played

your cards right. But at the end of the day, those guys, you know what? They've still got

a boss. They've still got someone controlling their

puppet strings. And that's ultimately what

you don't want. I would even say, I would be prepared

to take less money and live on less money and

not be controlled by government or big business rather

than having a higher income and still being an employee. Think

about that for a second. Would you be in that position?

Would you be the sort of person that wants to have less control over

you, more autonomy to run the life that you want to live? Or,

but less money, or would you want to be under PAYG but have a

lot of headaches and control? Anyway, something to

think about. But if you're like me and you want to, and that's not you, you

want to get into self-employed land, you're going to start with something

like an Amazon training program. You want to do maybe crypto

trading. You want to do affiliate marketing. You want to do dropshipping.

You want to, there's a whole heap of things, right? But it's going to have to be something to do with business.

but more importantly where you can make great returns that

doesn't require you to sell a lot of things you

personally. So for example that's what online provides.

In my business I can sell products right across the whole

world but I don't actually do the

transaction with every single customer because I have a website

which is automated and a fulfillment center which then sends

the product out to the customer and it's all done for me. My

job is to control the orchestra of all

those attributes, right? I control the product

when it goes into the fulfillment center, I control the website, where the

money goes, and then it's up to me to then control the money, of course, when

to buy more product, when to pay the taxes. You know, yes, I do

pay the taxes reluctantly. It's like theft. When

to pay all that and to keep everything running. Yeah, that's really

your job. But in the beginning, you're going to be learning a lot of different things. What I

want to tell you though is Even for me personally,

despite all the things that I've just shared with you about all the

great things, my constant goal is to reduce

the amount of control. So there's kind of different levels.

So you go from the employee level into self-employed level. But within

the self-employed level, there's multiple levels of

getting from the most control to having less

control. And I'm just going to tell you straight up, The more money you've

got, the more money that's in the bank, the less control that you

have to really worry about. For example, right now, I

don't worry about petrol prices. I don't have the

control of the petrol companies dictating to me what price

I have to pay for petrol for me to be worried about it. It doesn't matter if

it's $2 a litre or $2.50 a litre. I just look at it and go,

yeah, cool, and just put the bowser in, just fill up the AMG. That's

it, done. I don't worry about electricity prices.

Yeah, years ago I did. Years ago I was freaking out

about electricity prices, and that was back then. And of course now,

they're like quadruple the price. But

I'm just in a position where I don't even have to worry about electricity prices,

like look at the bill and whatever. I wouldn't even know what it is to be honest. And here's something

interesting too, is that as you move from employee to self-employed and

move up the ladder within self-employed land, you start

to create new problems. New problems come to mind,

right? So before it was, yeah, petrol prices, mortgages,

electricity bills, all that kind of stuff. The new problems that

you get are, how do I preserve my

money? Which investments do I now put the money into that will

help protect my money into the future? Because once you get the money, you don't

want to lose it, right? You want to put it into a position where

you can grow that money over time and

ultimately check out. So this is what I'm leading to. Eventually,

you're going to be in a position of being self-employed. You're

going to move up the ladder. But ultimately, you

want to get out of the self-employed matrix where

you still have some level of enforcement and

control on you and get to a position where

you've just got passive income. And I'm talking a lot

of it. What if I said to you that you could be earning

passively? anywhere between $50,000 to

$100,000 a month. It's not billionaire stuff,

but it would certainly be nice, right? So

imagine this, you've got $50,000 to $100,000 coming in every single month, you've

got no mortgage, your house is paid off, you

don't have any other personal debts, no credit cards, no car loans, none of that stuff,

right? You might also have multiple investment

properties, you might have a really large crypto portfolio

as well. But now, how do you get to

that position though? And the only way that I know how to do

it, aside from winning $150 million

or something in the lotto, aside from that, is

through being self-employed and through business. That is

the only way. So you make all the money in business, you

put it into investments, and in my case, I've put

money into commercial properties. I've got a range of commercial properties. I've

also put money into cryptocurrency, mostly Bitcoin,

but other crypto assets as well. And at some

point, I'm paying for all those, right

now. But at some point, the asset's going

to mature. And I'm going to be in a position to

liquidate that asset, whether that's crypto or

whether that's properties. And then I'm going to take that money, pay

the taxes reluctantly. And I don't want it going to any

Lego sets in any Fed departments. That's out.

and take that money and put it into a

safe asset such as First

Mortgage Fund. Okay, First Mortgage Fund is like a

public company that lends money out for mortgages,

right? Traditionally mortgage things that the banks won't do, right?

It's pretty safe. I won't go into the details of it, but that's essentially what

you could do. And right now, those types of companies

are paying around 10% per annum.

So it's low compared to perhaps what you could get if you put it

into crypto. Crypto is though more riskier. This is

less risk, basically sleep at night, Now,

do the numbers. Let's talk $50,000. If you had

$50,000 coming in a month, that would be $600,000 a

year. So therefore, you've got to get at some point $6 million.

I forget about tax for a second. But you've got to get $6 million after tax

then into this investment to then give you 10% per

annum, which is then $600,000 a year, which is $50,000 per month. And imagine that. Just

no mortgage, no electricity bills to worry about, no

car loans, no credit cards, and 50 grand just

popping into your bank account every single month. Imagine

that. And that's what's possible when you're self-employed and

you're building a business. Okay, but I know you're going to say

to me, yeah, but Matt, yeah, but how do you get the

$6 million though? Because even if you had a business, it

would have to be making Let's say it was making a million dollars

a year. That would now take you six years to build up that million dollars a

year profit. So that's one way. But there's other ways too, which you

could perhaps fast track it. And that is, as I said before, investing it

into other growth assets, property and

crypto. So perhaps the journey of getting to the six million might

be less. So let's say you are actually making a million dollars a year

in your business. You put that into, let's talk crypto for a

second. And let's say You got in at the right time, and

then over a three-year cycle, three to four-year cycle, that

million dollars did a 3x or a 4x.

It turned into three to four million dollars. So

then that's partway there to get to your six million dollars. Let's

just say it didn't even get to six million. and your $1 million turned

into $4 million through cryptocurrency, and you timed it right and you got

it at the right time, $4 million into the first

mortgage fund asset, as I mentioned before, would deliver you $400,000 a

year. Way more than probably the

income that you're on now, probably by at least three, yeah?

So you'd be sitting very, very comfortably. And

even if that wasn't enough money to pay off your mortgage, pretend you've got a

mortgage still, but you've got $400,000 now coming in every single

year. You could use some of that $400,000 to now pay off the mortgage, right?

And you're not working at all. And now what happens is

you've now got time. You've now bought back the

time. Because in this world of getting out of the matrix, We're

ultimately trying to build financial freedom and get

back our time and not be controlled by the boss, the

government, and big business. So guys, that is literally

the pathway that you should think about to get on to

get to being financially free. Now, if this is

of interest to you, you can actually come and join my

group. I talk about these types of things and I show exact pathways of

the way I'm actually getting out of the self-employed matrix myself,

which I hopefully, I've got strategies in place right now,

which I look forward, actually, to talking to you again in

future podcasts in maybe one year to

18 months, where I can literally sit here and say, hey, remember I told you

about getting out of the self-employed matrix? Well, guess

what? I've now done that. That's what I hope. And then I can literally,

rather than saying it was like, this is how to do it, I can say, this is actually how

I've done it. And then I think you're going to really pay

attention. But this type of thing was explained to me by someone, you

know, a mentor for me. And I'm now sharing that same information. It's

like the secret information that the wealthy people of

the world don't want to tell you how to actually do. And

that's why I'm sharing with you today, because I want each and every one of you out

there to be able to be financially free. And I'm just like

pulling back the curtains on how people actually do this kind of stuff. I

know it takes guts, it takes balls, but what else are you going

to do? Just stay in the nine-to-five matrix? Fuck no.

You're not going to do that. You want to get you and your family

ahead in life. But guys, on a final note, not

everybody is made to be in the self-employed. arena.

Because it is like an arena. You're there, you're a warrior. As

one of my good friends says, you're in there for battle. You're a warrior.

You're there to kill or be killed. That

is literally what it's like. Maybe no guns and arrows,

no swords, right? But it's ruthless out

there in the self-employed land. And I understand

that not everybody is made to be in

that arena. I've tried to get my family, my sisters even,

you know, hey, why don't you come and do this Amazon thing? They couldn't do it,

right? Because they weren't just cut. They're not cut from

the cloth that I'm cut, which is due

at all costs. I don't want to be in this matrix

of control. And that's just how I feel. So if you're one

of those people where you're like, yeah, you know what? I don't want to be controlled either.

But maybe you are. Maybe you love the boss. Maybe

you love going to work and the boss telling you what to do. Maybe that's you. Maybe

you love the fact that you get this electricity bill and

you're like, damn, I can't afford to pay that. I love that. I

don't want to put this extra money into holiday. I love electricity. Maybe

that's you. Right? That's not me. Right? I

understand we have to pay for electricity. Yeah? But I don't want to be worried about it.

And I'm sure, like, ultimately, I'm sure you don't. Right? I'm just

joking. But I'm just pointing out that not everybody

is cut to be in the self-employed arena. Okay? Which

is totally fine because, you know, even people like myself, I have other businesses, and

we need people right now to do jobs.

Right? Except for right now, I hate to tell you guys, AI's

here. The AI robot's here. And

I'm not even joking, I own a fast food restaurant

and I just saw a clip the other day, this is like total side note but I'm just telling

you guys, you really have to start thinking about getting

another income or something. Being in a job that can't be

replaced by AI, that would be freaking me out if I was you. But

literally I have this fast food business and I just saw a clip the other

day, it was in America. the person that takes

the order in the drive-thru, they're gone. They're eliminated that

job now. You don't need the person anymore, right? What do they got there now? A

computer. They got the computers. It's

like you walk, you get to the drive-thru screen, and you're like, large Whopper

meal with a Coke, and you know what? The computer's really

nice. The computer's totally respectful, checks

your order back with you, upsells for

the boss. You know, hey, did you want a Sunday with that? Yeah, actually, I want a Sunday with

that. Won't look down upon you. Actually,

I'm sure I can hear it in the AI's voice. She's

smiling. Just pleased to see you at

the business. Unlike when you have to get employees who

probably aren't smiling. You know what I'm talking about. You know

what I'm talking about. So I'd just be thinking about, hey, I don't

want to be replaced by AI, but I'm telling you that thing is coming. In fact,

I'm going to do an episode on AI, and I'm going to talk about exactly

these topics and why you should be careful about AI.

But unfortunately, it's here to stay, and it's going to be taking over this world.

for good or bad. Remember, we need people not to be self-employed

too. So if you don't want to be in

the self-employed land, totally cool. I get it. We appreciate you as well.

Thanks for tuning into Amazon Ecom Secrets. If

you enjoyed this episode, the best way to show your support is

to give a five-star review on Apple Podcast and Spotify and

make sure to subscribe on YouTube so you don't miss an episode.

You can also find more at I'm Matthew Fraser

on all social media platforms. Thanks so much. Take