THE GUIDE LIBRARY

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your first million.

100 ways to think about your finances. Everything is free to read. Choose a category, compare scenarios and begin with what fits your life. All examples use Swedish kronor.

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100 paths. Which one is yours?

From the first contribution to the first business.
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100 free guides to explore

No secret tricks. Just more possibilities.

Smart saving/001

Automate your first million

Save before everyday spending gets to your salary.

◷ Example: 27 years and 10 months

Smart saving/002

Turn every pay rise into capital

Keep your lifestyle steady and give your next pay rise a longer-term job.

◷ Example: 20 years and 10 months

Smart saving/003

The packed-lunch million

Small everyday choices add up only when the difference is actually saved.

◷ Example: 55 years and 7 months

Smart saving/004

Cancel forgotten subscriptions

Give unused direct debits a new job: your savings account.

◷ Example: Over 100 years

Smart saving/005

Save together as a team

Two sensible savings plans can work towards one shared million.

◷ Example: 16 years and 8 months

Smart saving/006

Swap the car for a bicycle

Work out what your car really costs, not just the fuel.

◷ Example: 18 years and 7 months

Smart saving/007

Buy second-hand and save the difference

Keep the function without paying the new-product premium.

◷ Example: 83 years and 4 months

Smart saving/008

Build an impulse-buying pause

Pause impulse purchases, not life, and give the difference a purpose.

◷ Example: 41 years and 8 months

Smart saving/009

Give your tax refund a goal

An occasional lump sum can become an annual savings habit.

◷ Example: 83 years and 4 months

Smart saving/010

Cut recurring fees

Reduce repeated costs where the difference actually matters.

◷ Example: 69 years and 6 months

Investing/011

The quiet power of an index fund

Broad ownership and low fees can give your savings time to grow.

◷ Example: 17 years and 7 months

Investing/012

A million with SEK 5,000 a month

Higher contributions reduce reliance on exciting investment returns.

◷ Example: 12 years and 3 months

Investing/013

The ten-thousand plan

A high savings rate reduces the need for exciting stock tips.

◷ Example: 7 years and 1 month

Investing/014

Give a child a long head start

Small contributions can benefit from a genuinely long time horizon.

◷ Example: 33 years and 4 months

Investing/015

Lower your fund fees

Keep more of whatever return the market may provide.

◷ Example: 15 years and 10 months

Investing/016

Reinvest dividends

Keep dividends invested instead of turning them into spending money.

◷ Example: 14 years and 5 months

Investing/017

Save in a deposit account

Building a million does not have to require stock-market exposure.

◷ Example: 18 years and 2 months

Investing/018

Build a mixed portfolio

Match investment risk to your time horizon and ability to bear losses.

◷ Example: 16 years and 3 months

Investing/019

Save every week

Make a big goal small enough to act on during an ordinary week.

◷ Example: 17 years and 6 months

Investing/020

Become a boring investor

Reduce the temptation to buy high and sell in a panic.

◷ Example: 19 years and 10 months

Career/021

Negotiate a higher salary

A well-prepared salary discussion can create room for saving.

◷ Example: 27 years and 10 months

Career/022

Change jobs strategically

Skills needed by several employers can improve your options.

◷ Example: 16 years and 8 months

Career/023

Train for an in-demand occupation

Build earning potential through skills employers actually need.

◷ Example: 20 years and 10 months

Career/024

Specialise in IT

Deep practical knowledge can matter more than a fashionable title.

◷ Example: 13 years and 11 months

Career/025

Take a properly paid leadership role

Extra responsibility works financially only when pay and authority match.

◷ Example: 20 years and 10 months

Career/026

Work shifts with a plan

Use shift allowances to build capital, not permanent extra expenses.

◷ Example: 33 years and 4 months

Career/027

Use overtime for a limited goal

A temporary extra effort can become a contribution to your savings.

◷ Example: 41 years and 8 months

Career/028

Consult in your professional field

Sell experience directly without confusing invoicing with take-home pay.

◷ Example: 10 years and 5 months

Career/029

Work abroad with a net-income calculation

A higher salary matters only if more money actually remains.

◷ Example: 11 years and 11 months

Career/030

Save the bonus and live on base pay

Make variable compensation an opportunity rather than a dependency.

◷ Example: 16 years and 8 months

Extra income/031

Freelance alongside your job

Turn an existing skill into a clearly defined assignment.

◷ Example: 27 years and 10 months

Extra income/032

Tutor students

Knowledge can create extra income with a relatively small initial outlay.

◷ Example: 41 years and 8 months

Extra income/033

Look after pets

Build trust with repeat customers close to home.

◷ Example: 55 years and 7 months

Extra income/034

Rent out equipment you already own

Tools and equipment may earn money while you are not using them.

◷ Example: 83 years and 4 months

Extra income/035

Sell things gathering dust

Your first contribution might be at the back of a cupboard.

◷ No predictable timeline

Extra income/036

Take photography assignments

A focused niche may be worth more than expensive equipment.

◷ Example: 23 years and 10 months

Extra income/037

Take seasonal work with a savings target

Turn a busy season into money that lasts beyond it.

◷ Example: 27 years and 10 months

Extra income/038

Offer gardening help

Local demand may be enough for a small side business.

◷ Example: 33 years and 4 months

Extra income/039

Keep the books for small businesses

Careful work can become a recurring service.

◷ Example: 20 years and 10 months

Extra income/040

Translate or proofread

Strong language skills can help customers reach a new market.

◷ Example: 33 years and 4 months

Your own business/041

Start a local cleaning business

A straightforward service can grow through trust and repeat customers.

◷ Example: 13 years and 11 months

Your own business/042

Build a specialist agency

Sell a clear result to a clearly defined group of customers.

◷ Example: 8 years and 4 months

Your own business/043

Open a repair workshop

Earn by extending the useful life of existing products.

◷ Example: 16 years and 8 months

Your own business/044

Work as a self-employed tradesperson

Professional skill and sound finances can build capital over time.

◷ Example: 10 years and 5 months

Your own business/045

Start a small online shop

Begin with proven demand rather than a large stockroom.

◷ Example: 20 years and 10 months

Your own business/046

Buy a small profitable business

An existing customer base can help, if the figures stand up to scrutiny.

◷ Example: 11 years and 11 months

Your own business/047

Build a subscription service

Recurring usefulness may support recurring revenue.

◷ Example: 13 years and 11 months

Your own business/048

Sell a business you have built

Ownership value becomes usable capital only when a buyer actually pays.

◷ No predictable timeline

Your own business/049

Become a business co-owner

Ownership may add upside beyond salary, but also adds risk.

◷ No predictable timeline

Your own business/050

Start a mobile service

Go to customers instead of paying for a shopfront.

◷ Example: 18 years and 7 months

Digital ideas/051

Build a small tool that solves a problem

A focused piece of software can become the start of a business.

◷ Example: 16 years and 8 months

Digital ideas/052

Create digital templates

Sell a solution that saves a customer time.

◷ Example: 55 years and 7 months

Digital ideas/053

Make a useful online course

Teach something you can genuinely help others do.

◷ Example: 27 years and 10 months

Digital ideas/054

Write a paid newsletter

Specific knowledge may be more valuable than a large general audience.

◷ Example: 41 years and 8 months

Digital ideas/055

Build a genuinely useful content website

Helpful material can attract readers without promising quick money.

◷ Example: 33 years and 4 months

Digital ideas/056

Develop a niche app

A recurring user problem is a better starting point than a vague idea.

◷ Example: 20 years and 10 months

Digital ideas/057

License original images and illustrations

A catalogue can sell repeatedly if customers actually need it.

◷ Example: 83 years and 4 months

Digital ideas/058

Automate administration for businesses

Save customers time with reliable, focused workflows.

◷ Example: 13 years and 11 months

Digital ideas/059

Build an extension for an existing tool

A small feature may have a clearly defined paying audience.

◷ Example: 23 years and 10 months

Digital ideas/060

Create a specialist podcast

Trust in a narrow subject can create opportunities for partnerships.

◷ Example: 41 years and 8 months

Housing/061

Live smaller and save more

Housing is often a major cost that can be reconsidered.

◷ Example: 20 years and 10 months

Housing/062

Rent out a room

An unused room may create room in the savings budget.

◷ Example: 27 years and 10 months

Housing/063

Share housing for a while

Less private floor space may create more financial flexibility.

◷ Example: 23 years and 10 months

Housing/064

Build equity by repaying your mortgage

Lower debt increases net worth, not your bank balance.

◷ Example: 20 years and 10 months

Housing/065

Negotiate your mortgage rate

A small rate difference can matter on a large loan.

◷ Example: 55 years and 7 months

Housing/066

Move closer to work

The right location can save both travelling time and money.

◷ Example: 41 years and 8 months

Housing/067

Share holiday accommodation instead of owning alone

Reduce the recurring cost of an expensive ambition.

◷ Example: 33 years and 4 months

Housing/068

Improve energy efficiency with a payback calculation

An upgrade makes financial sense only if genuine savings justify its cost.

◷ Example: 83 years and 4 months

Housing/069

Buy a home to live in, not to predict prices

Owning a home may build equity over a long period.

◷ No predictable timeline

Housing/070

Rent out a holiday home when it is empty

An existing asset may contribute to your savings.

◷ Example: 41 years and 8 months

Create & sell/071

Write a book for a clear audience

A book may produce royalties and opportunities for other work.

◷ Example: 83 years and 4 months

Create & sell/072

Sell your own craft work

Make small batches at prices that actually cover the time involved.

◷ Example: 41 years and 8 months

Create & sell/073

License your design

Keep track of rights and agree how the work may be used.

◷ No predictable timeline

Create & sell/074

Compose music for assignments

A defined use may be a better business than chasing a hit.

◷ Example: 41 years and 8 months

Create & sell/075

Make a niche product

Solve a specific problem with a physical product.

◷ Example: 20 years and 10 months

Create & sell/076

Restore furniture and resell it

Knowledge and work can add value to second-hand items.

◷ Example: 55 years and 7 months

Create & sell/077

Run a paid workshop

Teach in a small format before building a whole business.

◷ Example: 33 years and 4 months

Create & sell/078

Sell what you grow

Small-scale growing may provide a seasonal contribution.

◷ Example: 83 years and 4 months

Create & sell/079

Develop a board game

A game needs playtesters before it needs a large print run.

◷ No predictable timeline

Create & sell/080

License an invention

Others may sell a useful invention, but the route is uncertain.

◷ No predictable timeline

Life choices/081

Pay off expensive debt first

Stop high interest consuming next month's possibilities.

◷ Example: 20 years and 10 months

Life choices/082

Aim for a 30% savings rate

What you keep can matter as much as what you earn.

◷ Example: 9 years and 4 months

Life choices/083

Try living on half your salary

An ambitious savings period can change your starting position.

◷ Example: 5 years and 7 months

Life choices/084

Move to a lower-cost location

Lower fixed costs can matter more than higher gross pay.

◷ Example: 16 years and 8 months

Life choices/085

Keep your student budget when work begins

Avoid letting every new source of income acquire a new expense.

◷ Example: 10 years and 5 months

Life choices/086

Save when family costs fall

An old expense can become a new transfer to your own savings.

◷ Example: 27 years and 10 months

Life choices/087

Make the holiday budget lighter

Choose an experience that fits your finances rather than your social feed.

◷ Example: 55 years and 7 months

Life choices/088

Sell the second car

Two cars may be a habit rather than a necessity.

◷ Example: 27 years and 10 months

Life choices/089

Choose an employer with a sound pension

Employment terms can help build capital for later life.

◷ No predictable timeline

Life choices/090

Make a plan with your partner

Shared priorities can reduce unnecessary duplicate expenses.

◷ Example: 13 years and 11 months

Unexpected routes/091

Inherit a million

Inheritance can make someone a millionaire, but it is not a savings strategy.

◷ No predictable timeline

Unexpected routes/092

Receive a financial gift

A gift can be initial capital, but it cannot be ordered or predicted.

◷ No predictable timeline

Unexpected routes/093

Benefit from a company sale

Employee ownership sometimes produces a substantial one-off payment.

◷ No predictable timeline

Unexpected routes/094

Earn royalties from a breakthrough work

A creative breakthrough may generate substantial income, but it is unusual.

◷ No predictable timeline

Unexpected routes/095

Sell a valuable collection

A collection becomes usable capital only when a buyer pays.

◷ No predictable timeline

Unexpected routes/096

Receive compensation after an injury

Compensation may be substantial, but it covers a real loss.

◷ No predictable timeline

Unexpected routes/097

Win a knowledge or innovation competition

Prize money may be a contribution when you already want to take part.

◷ No predictable timeline

Unexpected routes/098

Become a professional athlete

Elite sport can pay well for a small minority.

◷ No predictable timeline

Unexpected routes/099

Achieve an artistic breakthrough

An audience may support a business, but nobody can promise a breakthrough.

◷ No predictable timeline

Unexpected routes/100

Win a lottery: the bad plan

Winning is possible; that does not make it a workable financial plan.

◷ No predictable timeline

Times are illustrative scenarios, not forecasts. Contributions and assumptions are stated in each guide. Preparation time is additional. One million means nominal Swedish kronor, not future purchasing power.