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9-5 Fastlane
How I turned €700 a month into a 7-figure portfolio without leaving the payslip. Ten modules, eleven prompts, one 90-day plan built on your own numbers.
Not sure yet? Read the full table of contents first.
Nikita Balanov. Ranked 1st of 250+ AEs globally at Deel. Built a 7-figure investment portfolio on a salary.
Ten modules · eleven prompts
9-5 Fastlane
Turn the career you already have into a wealth-building machine.
Nikita Balanov
The career built the wealth.The investing just multiplied it.
Most money advice is about returns. But 60% of my portfolio is money I put in, and only 28% is growth on top of it.
Which means the lever that mattered was never the fund I picked. It was how much there was to invest in the first place.
- My own contributions
- 60.4%
- Investment growth
- 27.6%
- Apartment sale
- 7.9%
- Pension
- 4.1%
- Share options
- 0.5%
- 01Earning power
A better role, market or skill
- 02Compensation
Being paid properly for value you already produce
- 03The gap
What you cost your employer versus what you keep
- 04Investing
Boring, rule-based, basically solved
- 05Time
The only one you cannot buy back
Four of the five are about your career. Investing is the one everybody starts with.
The framework
Five levers, and you are probably pulling the smallest one.
Levers 1 to 3 decide how big your investable surplus is. Lever 4 multiplies it. Lever 5 compounds it.
Nearly everyone spends their attention on lever 4 and on spending less. The book works them in order of size instead.
The signature chapter
A lunch conversation found me €3,501 a month.
Same job, same salary, same employer. I had simply never looked at the difference between what I cost and what I kept.
That one change took four years off my timeline to a million.
€3,501
a month you never see. About €42,000 a year. Module 6 is entirely about this number.
How you use it
A weekend to read. An afternoon to apply.
Step 01
Read it in a weekend
Ten modules, 73 pages. Short chapters, real numbers, no filler.
Step 02
Run the eleven prompts
Prompt 0 interviews you, then one per module. Each answer is built on your salary, your country and your goals.
Step 03
Walk out with a 90-day plan
One page. One number to move, one move to make, and a date.
Inside
Every module ends with something you own
Module 1
Know your number
You get: Baseline Snapshot
Module 2
Find your biggest lever
You get: Lever Analysis
Module 3
Build your earning engine
You get: Career Ceiling Audit
Module 4
Build your gameplan
You get: Upside Roadmap
Module 5
Get paid for your value
You get: Compensation Business Case
Module 6
Keep more of it
You get: Tax Structure Prep
Module 7
Build the money machine
You get: Payday Automation
Module 8
Invest without becoming a nerd
You get: Investment Policy Statement
Module 9
Define your Freedom Life
You get: Freedom Targets
Module 10
Let's build your plan
You get: Master Execution Plan
Rules
The seven rules
If you remember nothing else
Who wrote it
Fifteen years on a payslip, and about five decisions.
Started knocking on doors in a town of two thousand people in South Estonia, then spent five years renting carpets to restaurants for €700 a month. Best year later was €243,000 against a €50,000 base.
The career is public and dated on LinkedIn, both companies are on the Estonian business register, and the numbers come from real payslips.
Founding rate · first 50 members
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Questions
Is this three hundred pages of financial information?+
No. Financial information is free and it has not worked yet. This is ten modules and eleven prompts, and each prompt produces something built on your own numbers.
I do not earn much. Is it still for me?+
Four of the five levers are about your income and how you are paid. Only one is about investing. If you are earning near the floor, this is the order of operations that applies to you.
Do I need to start a business?+
No. The whole book is written for people on a payslip. One module covers how you get paid structurally and says honestly when it is worth it and when it is not.
Which country does it apply to?+
The principles apply everywhere, the numbers do not. Module 6 says so repeatedly and loudly, and the calculator on this site handles twenty two countries if you want your own figures.
The boring legal bit. I am not a licensed financial adviser, accountant or tax adviser and nothing here is financial, investment, tax or legal advice. It is a description of what one person did, in one country, under one set of rules. Rules differ enormously by country and by person. Investments carry risk, including losing money. Take your own situation to somebody qualified where you live.