This One Mindset Multiplied My Returns

The velocity of money and leverage explained—with real numbers.

Macarena Fritz
August 25, 2025

Most people let their money do one job.
The wealthy? They make it work overtime.

Here’s the shift:

Don’t park money.
Put it in motion—again and again.

That’s how you multiply money. That’s how I multiplied my returns.

Personal Story…

When I had R$15K in cash, I could’ve parked it in a savings account in my bank.

ROI: ~5% a year. (Yawn.)

Instead, I threw it into a property renovation.

That single move increased the property’s value by R$40K.

Here’s the math:

Profit = $40K (value gain) – $15K (renovation cost) = $25K
ROI = $25K ÷ $15K = 167%

That’s not just better than savings at ~5% — it’s a different universe!

But the story doesn’t stop there.

Because the bank now sees that extra $40K in value, I can borrow against it.

💡 “Borrow against it”: That simply means the bank lets me use the new equity as a guarantee for a new loan. So, instead of selling the property, I can pull cash out while still owning it — and roll that money into the next deal.

That means my $15K didn’t just earn a return once, it actually worked twice:

First job: it boosted my property’s value (Gave me a R$25K equity profit)
Second job: it created R$40K in leverage capacity for me to use into the next investment.

Two jobs. Two ‘paychecks’.

ROI if parked those R$15K in a bank’s saving account? ~5%.
ROI of the same R$15k with velocity + leverage? 167%…. (and repeatable)

I won not because I earned more.
I won because I made the money move.

See the difference?

Takeaway:

The money you own is an employee.
If you let it sit in a savings account, it’s basically on vacation.
If you redeploy it—renovations, reinvestments, leverage—it starts pulling double shifts.

That’s how you stop being the person who just ‘saves’ and start being the person who builds.

That’s why wealthy people prefer velocity. It multiplies the paychecks your money brings in.

Don’t just save money. Multiply it. That’s how wealth is actually built.

Until next time,

The Financially Independent