Triple Compounding

Triple Compounding Introduction

Triple Compounding is a concept you might have been hearing about recently.

You might have even thought to yourself, “Is this just a marketing buzzword? How is it different than normal compounding?” 

Triple Compounding Explained – Video Overview

Simply stated, Triple Compounding is a method practiced by almost all self-made millionaires and billionaires like Robert Kiyosaki, Dave Ramsey, Grant Cardone, Cathy Wood, Kevin O’Leary, Oprah Winfrey, and even Warren Buffett to create generational wealth within their lifetime, even though they all have the same 24 hours as you and I.

It’s the core philosophy that has helped them accelerate their financial growth.

However, they rarely publicly talk about the details of the ecosystem they have created that helps them accelerate their financial success; instead, they would only point to one element of their Triple Compounding ecosystem, such as budgeting, real estate, index funds, media influence, or entrepreneurship, as the key to their success. 

How Wealthy People Use Triple Compounding

When you look into how the wealthy really make money, you realize they have all developed a sophisticated Triple Compounding ecosystem. It’s the ecosystem as a whole that creates accelerated financial growth, NOT any one product, service, investment strategy, or person.

You can’t try to take the ecosystem apart and measure it in isolation. Gone are the days when you can just go to college, get a good job, and retire on your 401K investment portfolio. 

If you’re looking to accelerate your financial freedom, you should look into building a Triple Compounding ecosystem that compounds multiple investment assets simultaneously.

As you discover in this article, two out of three of these assets are not traditional financial instruments. 

The Definition of Compounding

You can’t understand triple compounding without first understanding the definition of compounding. 

I first heard the word compounding during the 2008 market crash when I was studying Electrical Engineering in Japan and moonlighting as a guest on a popular Japanese TV show where we discussed current events.

It was a massive global economic recession. Businesses were going bankrupt, and people were losing their jobs.

We were talking about the recession on one of our shows, and one of my panelists, an economics expert, said something I had heard but didn’t know what it meant. 

He said governments are printing money to save the economy, which, to me, sounded like a good thing – more money!

Until he explained what really happens when governments print more money.

He said that when the government prints money to bail out corporations and give stimulus checks, inflation goes higher. 

The Root of ‘compounding’

The word “compound” originates from the Latin word componere, which means “to put together” or “to combine.”

Imagine you have a small snowball. You start at the top of a snowy hill and roll that snowball down the hill.

As it rolls, it picks up more snow and gets bigger. The longer it rolls, the more snow it collects, and it gets bigger and bigger faster.

Compounding works like that, but instead of snow, we’re talking about money.

Let’s say you invest some money, and it earns a little bit of interest, which is like extra money.

Now, the next time you earn interest, you earn it not just on your original money but also on the extra money you made before.

So, just like the snowball gets bigger as it rolls, your money grows faster over time because you’re earning more and more on top of what you already earned.

A book that perfectly describes compounding is called One Grain of Rice, taught to Japanese 2^nd graders.

It’s a story about a girl named Rani who lived in a village in India and outsmarted a greedy ruler, the Raja.

The Raja stored all the rice during good times, promising to share it with the people in case of famine. But when a famine came, the Raja refused to give out the rice.

One day, a servant was leading an elephant from a storehouse to the palace, carrying two full baskets of rice. Rani saw rice falling from one of the baskets.

So she jumped up and walked along beside the elephant, catching the falling rice in her skirt. The guards thought she was a thief, but she said, “I am not a thief.

This rice was falling from one of the baskets! I’m going to return it to the Raja.”

When the Raja heard about Rani’s good deed, he asked his ministers to bring her before him and told her, “I wish to reward you for returning what belongs to me. Ask me anything, and you will have it.

Rani said, “if it pleases you, then you can reward me this way:

Today, you give me a single grain of rice. Then, each day for thirty days, you will give me double the rice you gave me the day before. So, tomorrow, you will give me two grains of rice; the next day, four grains of rice, and so on for thirty days.”

The Raja is like, this girl is dumb, and he agrees. Sure.

And this is what happened next.

On the first day, Rani received one grain of rice. The next day, she received two grains. The following day, she received four. On the ninth day, she received 256 grains of rice. At this point, she had 511 grains of rice in total, which could fit in your hand.

• On the 12th day, Rani got 2,048 grains of rice, about four handfuls.
• On the 13th day, she got 4,096 grains of rice, enough to fill a bowl.
• On the 16th day, Rani got a bag containing over 32 thousand grains of rice.

 Altogether, she had enough rice for two bags.

And from there, things got crazy. On the 27th day, she got 64 baskets of rice.

On the 30th and final day, 256 elephants crossed the town and had to carry EVERY single rice the Raja had— over half a million (536,870,912) grains of rice. 

In total, Rani got more than one billion grains of rice. 

This is the power of compounding. No wonder Albert Einstein is credited with having called compounding the 8th Wonder of the World; if you get it, you earn it; if you don’t understand it, you pay it. 

Triple Compounding vs. Basic Compounding

After getting fired from my job and facing the reality of how my money manager mismanaged my money, as I described previously, I finally decided to take matters into my own hands and learn how to manage my own money.

I studied for the Certified Financial Planning (CFP) degree and the Charted Market Technician (CMT) degree, among other financial and investing-related certifications, to deepen my understanding of financial planning, investment strategies, and market analysis.

I was never going to be taken advantage of again. Below, I share an overview of my biggest takeaways from my studies and life experiences, which led me to discover Triple Compounding and how it is different from basic compounding.

Understanding Basic Compounding: The Rule of 72

One of the first financial planning methods I learned during my new journey was something called the rule of 72.

It’s a formula you can use to find out how many years it’s going to take for your money to double or compound.

For example, if you have $100 and want to know how long it will take to double, you could figure it out using the rule of 72. 

Here’s the simple formula to show you how it works:

Years it Takes to Double = 72/Annual Rate of Return

The rate of return (ROR) is the percentage gain or loss on an investment over a specific period of time.

It measures how much an investment has grown (or shrunk) relative to its original cost.

Following this formula, you can calculate how long it would take for your $100 to compound to $200 at a market average return of 8%.

The answer is: 72/8 = 9 years.

This means that if you are investing your money in a financial asset that compounds your money at the same rate as the market average, it will take your money nine years to double. 

This is certainly better than not investing your money at all.

However, considering that inflation can sometimes be higher than the market average return, this method may not be suitable for those who want to accelerate their financial goals.  

Reaching Financial Freedom with Basic Compounding

Why are you reading this article? I’m guessing it’s because you have some dreams and goals.

What sets successful people apart is their definitiveness of purpose.

In other words, successful people know where they’re going. Napoleon Hill, Think and Grow Rich’s author defines a goal as a “dream with a deadline.”

I define goals based on what I’ve seen working for thousands of my students as a measurable dream with a deadline.

The clearer you are about your goals, the easier you can find a strategy to reach them. That’s why the second point of my Invest Diva Diamond Analysis (IDDA) is breaking down your goals. 

What’s cool about setting financial goals is that they are very easy to measure.

If your goal is to become financially free or work-optional, you can calculate exactly how much money you would need in your portfolio to achieve it.

This is called the rule of 4%, and it helps determine how much you can safely withdraw from your investment portfolio each year without running out of money.

According to this rule, you can withdraw 4% of your portfolio in the first year of retirement and adjust that amount annually for inflation.

This approach is designed to help your money last at least 30 years. Here’s how you can calculate your financial freedom number:

• Step 1: Find your total annual expenses (Download the complimentary workbook for this at TripleCompounding.com).
• Step 2: Divide your annual expenses number by 0.04

Voila! Now You Know What You’re Aiming For! For example, if your total expenses amount to $60K annually, you will need $1.5M in your portfolio. 

This might sound like a crazy big number for some of you. What’s fascinating is that just 6 years ago, when I had just become a mom, I didn’t have money to hire a nanny.

And just 10 years ago, after I got fired from my job, I didn’t have enough money to pay rent and was sleeping on a friend’s couch in exchange for caring for their five cats.  

Using the Triple Compounding methods I share here, at the time of writing, in 2025, I now have a portfolio exceeding $15 million. Almost 10 times more than this number.

Warning

Investing involves a risk of loss. You must only invest according to your risk tolerance and financial goals. Download my complimentary risk management toolkit by attending my free Triple Compounding Training at TripleCompounding.com.

Why Basic Compounding Was Suddenly No Longer an Option for Me

Based on the Rule of 72 I described in the previous section, I knew it was going to take me years before I could become self-sufficient.

But this method of basic compounding was not only what financial advisors were advising. It was what I was being taught while studying for various financial certifications.

I felt stuck! No matter what I did, my portfolio was growing so slowly.

At this point, I had gotten married. But right off the bat, my marriage was suffering, and the only viable option seemed to be getting a divorce. 

But I didn’t want to rely on my husband for money. So, I had to figure out a way to be financially self-sufficient BEFORE filing for divorce.

Suddenly, my slow investment strategies were no longer an option for me. 

Discovering Triple Compounding

One day, I was complaining to one of my trading buddies about my slow growth and frantic search for something that would grow quickly and support me and my freedom in years to come.

And he told me something that changed my life forever.  He said something along the lines of “I don’t compound just one thing. I compound multiple things.”

At first, I had no idea what he was talking about. But as I researched and looked around, I realized that all financial gurus were doing the same thing with their own money. But none were doing it for their clients or talking about it. 

This included high-profile investors such as Robert Kiyosaki, Dave Ramsey, Grant Cardone, Cathy Wood, and even Warren Buffet. 

They all compounded the three types of investing I mentioned earlier. It’s a system that looks like this:

Triple Compounding Phases

In other words, they all follow a similar wealth-creation template that includes compounding these:

• Generate income by investing in themselves.
  
• Automate their income generation by investing in their businesses.
  
• Accelerate their portfolio by investing a percentage of their income in other businesses and external assets.

It became apparent to me that they all pretend that all their wealth comes from budgeting and investing only in external assets, but in reality, they accelerate their portfolio growth beyond the rule of 72 by Triple Compounding.

Keep reading to see examples of how these self-made millionaires and billionaires used Triple Compounding to accelerate their portfolios.

How Triple Compounding Changed My Life

As I did more research on how self-made millionaires and billionaires actually make their fortune, I realized that if I actually wanted my financial freedom to become a reality, I needed to stop doing what Dave Ramsey was saying to do with my money and instead start doing what Dave Ramsey was DOING with HIS money! 

I couldn’t rely on just one type of compounding. Not even two.

I had to level up my game and start triple-compounding.

Some savvy readers might see this and conclude that triple-compounding is mainly about generating income with your business or selling courses online.

If that was you, let me tell you a story.

As I started following the self-made millionaire’s triple-compounding template, within a few years, in 2021, I hit a milestone of $1 million in cash flow generated in my business.

I was a member of Russell Brunson’s entrepreneurship community, and to celebrate this milestone, I received the 2 Comma Club Award, which he gives to business owners who create a million dollars in revenue.

Kiana Danial receiving the 2 Comma Club Award from Russell Brunson

That means that after all my ad spending, expenses, travel, taxes, and staff payments, I probably netted around $500K.

Revenue vs. Net Income

Revenue and net income are different. Net profit (also called net income, bottom line, or net earnings) is the amount of money a business has left after deducting all expenses from its total revenue. It represents the actual profit a company makes.

When I lined up to accept my award, I was surrounded by other business owners who also had won the same award for generating a million dollars in revenue. As I started talking to them, I discovered something truly shocking:

I discovered that over half of these entrepreneurs who had generated $1 million in their business had a net profit of zero.

You might be wondering, how is that even possible?! This is precisely because most people confuse cash flow with net income. Most people who generate a cash flow of $1 million might call themselves millionaires, even if they have a net zero profit. This is not the correct definition of a millionaire. 

If you can’t manage $1,000, you can’t manage $1,000,000. But because I already knew how to accelerate my income by compounding external assets, in the same timeframe, my $500K net income had triple compounded to $1.5 million.

Kiana Danial Triple Compounding Investment Portfolio in January 2021

This means that while other entrepreneurs were only growing their business income (but mismanaging their finances), I had already tripled what I earned from my business – using the third phase of Triple Compounding in my investment portfolio.

This means I gave myself the Golden Diamond award for reaching a million dollars in my investment portfolio a way better measurement of your financial health than making a million-dollar cash flow.

This is when I started teaching the Triple Compounding methods with my Million-Dollar Family Accelerator members; a group of high-level professionals – from doctors, lawyers, and corporate employees to stay-at-home moms, entrepreneurs, and artists – in many different countries who seek my expertise as their mentor.

Using the same method, hundreds of my students have now received our six and seven-figure portfolio Diamond awards as they reach their financial goals one after another.

The Golden Diamond Award by Invest Diva’s Kiana Danial. Source: triplecompounding.com

The ability to help others accelerate their financial goals made my heart sing and gave me a level of fulfillment, pride, and happiness that I was not expecting. 

When it came to finances and business fulfillment… I finally got it right. However, my marriage was getting even worse.

I’d finally reached a level of financial independence that allowed me to not only not rely on my husband but also take care of my daughter.

I was well established to get him out of my life for good. Secretly, I hoped this money would fix my husband and make him behave how I wanted him to… but it didn’t.

Now, I had enough money to file for divorce and support myself as a single parent without relying on my husband.

Finally, one day, I decided to hand him the divorce papers. To my surprise, he was shocked. He asked if I would give him a second chance. I said okay but was convinced nothing was going to change.

I did it for the sake of our daughter. What happened after that is crazy.

Inspired by my success, he quit his job, which was burning him out. This allowed him to focus on his new passion from home, and as we spent more time together, we were able to heal our broken relationship slowly.

Triple Compounding not only gave me full control over my money and peace of mind about my financial future, but it also gifted us with financial freedom.

Then our financial freedom led to mobility freedom, career freedom, and time freedom for my entire family. Now we’re both each other’s biggest cheerleaders, and we’re building our empire as a team.

Kiana Danial with her husband – Financially Free with Triple Compounding

I share this story to show you the power of Triple Compounding and to hopefully inspire you to implement the methods I share here.

You can learn more about my story and our student success stories at TripleCompounding.com

 How Triple Compounding Works in Real Life

Gone are the days when you could go to college, get a good job, and retire comfortably on your government-backed retirement account.

The good news is that building a comfortable retirement is now easier than ever—no wonder the number of millionaires in the United States has tripled in the past decade.

Nearly 6 percent of Americans now have over $10 million net worth. 

The good news is that you can use triple compounding in any country as long as you can access the Internet.

The principles of triple compounding are universal, and you can tweak any of the frameworks to make it work in your country. 

Examples of Triple Compounding

When my marriage was going through a rough patch, I was desperately looking for a way to become financially independent quickly so I wouldn’t have to rely on my husband for alimony.

Don’t worry – this is a happy-ending story.

Once I became financially free using Triple Compounding, I was able to use that money to heal our relationship by investing in top relationship coaches.

I also retired my husband from his corporate job, which was burning him out! Modern-day fairy tale story, if you will. Insert sprinkles.

Anyway, as I researched and looked around, I discovered a template that most self-made millionaires use.

Warning: This template is powerful, but it might rub some readers the wrong way because it shows how the rich really make their money.

If you are serious about creating a comfortable financial future, you have two options.

One is to get angry about the framework.

The second is to model success without reinventing the wheel.

This doesn’t mean you have to do exactly what they do. But you can model the same template: 

• Generate,
• Automate, 
• Accelerate.

Next, I showcase some millionaire names you might know of, what they’re famous for, and how they actually make their fortune. 

Robert Kiyosaki (Known as: Real Estate Investor)

Robert Kiyosaki came to fame with his bestselling book Rich Dad, Poor Dad. He has helped millions of people with financial literacy.

Most people would attribute Kiyosaki’s wealth to his smart investments in real estate, precious metals like gold, and cryptocurrency, a type of digital currency that uses cryptographic techniques to secure transactions, like Bitcoin.

But when you dig deeper into his wealth ecosystem, you discover it’s deeper than most people think.

Here are the methods he really uses to make money and their triple compounding category breakdown:

• Book Sales and Royalties (Automating): This is automated income generated from a one-time investment of time and money in himself, and then he gets paid on the sales and royalties for the rest of his life on auto. That’s why I categorize this as automating.

• Speaking Engagements (Generating): This is income generated from him physically doing something and exchanging his time for money. You can also call this grinding to generate income or, in other words, generating. 

• Rich Dad Company (Generating): This is income generated from investing time and money in his own business to generate an income.

• Business Ventures and Partnerships (Accelerating): This is income generated by leveraging other people’s assets, talent, and time, which accelerates his income-generating potential. So, I categorize this as accelerating.

• Licensing and Franchising (Automating): This is when he creates something once, then licenses and franchises it to get paid on auto while others deliver on what he created. So this is automating.

• Investments in Stocks and Commodities (Accelerating): This is income generated from putting the money he generates into his other endeavors to work to accelerate his wealth creation, so this is accelerating.

• Real Estate Investments (Accelerating): A different form of accelerating his portfolio.  

Thanks to this Triple Compounding ecosystem, Robert Kiyosaki has been able to amass a $100 million net worth even though he has then same 24 hours per day as you and I.

Can you see how Robert Kiyosaki really makes his fortune versus what most people think? Let me show you a different example.

Dave Ramsey (Known as: Budgeter)

Dave Ramsey is a personal finance expert known for helping people manage debt and budget to build wealth. Most people assume he built his wealth using the same methods he teaches, focusing mainly on budgeting.

But when you look into how he actually built his own fortune of over $55 million, you’ll discover a different story.

Here are the methods he really uses to make money and their triple compounding category breakdown:

• Book Sales and Royalties (Automating): This is automated income generated from a one-time investment of time and money in himself, and then he gets paid on the sales and royalties for the rest of his life on auto. That’s why I categorize this as automating.

• The Ramsey Show (Generating): This is income generated from him physically doing something and exchanging his time for money. You can also call this grinding to generate income or, in other words, generating. 

• Financial Peace University Courses (Automating): This is income generated by automating; he created the course once and sells it over and over again on auto.

• Ramsey+ Membership Subscriptions (Automating): With this, he compounds the sales generated from each customer he has already acquired on auto indefinitely.

• Endorsed Local Providers Program (Accelerating): This is a paid referral program that connects people with Ramsey’s local providers; he doesn’t have to be there to generate but gets paid through other people’s efforts, so this is Accelerating.

• Live Events and Speaking Engagements (Generating): This is income generated from him personally grinding, so this is Generating.

• Business Coaching (Generating): Exchanging time for money to coach people.

• Product Sales and Merchandise (Automating): He creates products and sells them on auto.

• Advertising and Partnerships (Accelerating): This is income generated by leveraging other people’s assets, talent, and time, which accelerates his income-generating potential. So, I categorize this as accelerating.

• Investing in Mutual Funds (Accelerating): Dave Ramsey recommends investing in mutual funds, which allow you to invest in many companies at once.

Budgeting isn’t even one of his top 10 ways of wealth creation!

Grant Cardone (Known as: Businessman)

Grant Cardone is an American businessman known for his sales training programs and aggressive approach to business.

Here are the additional methods he uses to amass his $600 million net worth and their triple compounding category breakdown:

• Sales & Marketing Training for Cardone University (Automating)

• Books and Publications (Automating)

• Live Events and Speaking Engagements (Generating)

• Online Courses and Coaching Programs (Automating)

• Social Media and Content Monetization (Automating)

• Merchandise Sale (Automating)

• Real Estate Investments (Accelerating)

• Investments in Other Businesses (Accelerating)

• Grant Cardone License and Franchising (Automating)

• YouTube Ad Revenue and Sponsorships (Accelerating)

• Bitcoin investing (Accelerating)

• Alternative investments (Accelerating): Besides traditional investments like stocks, real estate, and private equity, Cardone also invests in alternative, less traditional investments like art and other collectibles.

Notice how he has much more automating and accelerating in his Triple Compounding system than generating?

This shows up on his bottom line! He has a net worth of $600M with a $4.7 Billion family portfolio under his management, while Dave Ramsey has a net worth of only $55M.

Now, you might be saying, “Well, these are not REAL investors! These are all finance gurus who got rich by selling courses! Show me how REAL Wall Street investors use Triple Compounding!”

You got it!

Cathie Wood (Known as: Wall Street Investor)

Cathie Wood is an investor and the founder of Ark Invest, an investment management firm. She is known for her aggressive investments in disruptive technologies, particularly in emerging high-tech companies.

Here are the methods that show the full picture of how she’s built her estimated $250 million net worth and their triple compounding category breakdown:

• ARK Invest Management Fees (Automating): As I explain in my free Triple Compounding Training,  money managers like Cathie Wood charge you a management fee that could compound over the years. While this would be ‘reverse compounding’ for you and would cost you, it is ‘forward compounding’ on auto for Cathie.

• Ownership of ARK Invest (Generating)

• Book Deals & Media Appearances (Generating)

• Direct Investments in ARK ETFs (Accelerating)

• Selling ARK’s Research & Data (Generating)

• Licensing & Partnerships (Accelerating)

• Speaking Engagements & Conferences (Generating)

• Private Investments in Disruptive Startups (Accelerating)

• Board Memberships & Advisory Roles (Generating)

You might be thinking, “Hmmm. You mean to tell me Cathie Wood doesn’t make all her money through her brilliant investing strategies? OK, I expect that from Cathie.

But how about the greatest investor of all time? Warren Buffett? SURELY HE makes ALL his money from just investing…right?!”

Let’s take a look!

Warren Buffett (Known as: Greatest Investor of All Time)

Warren Buffett is an American investor known for his success in the stock market. He is often called the “Oracle of Omaha.

Here are the methods that show the full picture of how he built his $146.6 billion net worth and their triple compounding category breakdown:

• Ownership & Leadership of Berkshire Hathaway (Generating):           

• Stock Investments and Dividends (Accelerating)

• Insurance Float (Automating): Berkshire Hathaway owns multiple insurance companies (Geico, General Re), which collect premiums upfront before paying out claims, automatically generating an income for Buffett.  

• Investing in Private Companies & Startups (Accelerating): Berkshire occasionally makes private investments or private equity.

• Minimizing Taxes (Generating): Buffett uses long-term investing tax strategies to save on taxes. 

• Books, Speaking Fees & Media Influence (Generating)

• Modest Personal Expenditures (Generating)

Hah! Turns out you can’t make the money you don’t have to work for you! Even Warren Buffett’s top of the list is Generating! And he has some automation in the backend, like insurance, that most people don’t even know about!

Once I discovered this template, I started applying it to my own financial freedom journey. Here’s how it looks like at the time of writing this article:

Kiana Danial (Known as: Author)

After publishing my first book, Invest Diva’s Guide to Making Money in Forex, published in 2012, I have reinvented myself time and time again.

It wasn’t until 2021 that I finally put all the pieces of the Triple Compounding puzzle together and achieved financial independence, achieving a net worth of $1 million.

Once I figured out the template, I was then able to accelerate my portfolio and achieve my financial freedom number of $5 million in 2022 quickly! 

Here’s what my Triple Compounding system looks like at the time of writing:

• Ownership & Leadership of Invest Diva (Generating)   

• Stock Investments and Dividends (Accelerating)

• Cryptocurrency Investments (Accelerating)

• Book Deals & Speaking Engagements (Generating)

• Online Courses and Coaching Programs (Automating)

• Social Media and Content Monetization (Automating)

• Investments in Other Businesses (Accelerating)

• Insurance Float (Automating)

• Minimizing Taxes (Generating)

I continue adding pillars to my Triple Compounding system. Every year, I focus on a new investment in myself, a new investment in my income-generating extension, and a new external investment category.

For example, in 2025, I’m investing my time in writing a new book, Triple Compounding For Dummies (generating), which will then contribute to my future automated income potential (automating).

I’m also getting involved in private equity and using insurance as an external investment vehicle (accelerating).

This is exactly how I tripled my net worth in the past three years, from $5 million in 2022 to $15 million in 2025.

Kiana Danial’s Triple Compounding Portfolio – January 2025

Can you see that I’m not teaching theory here? This is what Kiana Danial does!

 Breaking Down the Different Types of Investment Assets in Triple Compounding

With the examples mentioned above, have you started to see a pattern? What do all these people have in common?

Number 1: They all invest in themselves to acquire a success mindset that helps them generate more income.

Number 2: They invest in an income-generating extension of themselves, like their own business or their job, and then they automate that process of income generation.

Whether it’s a business that automates their income generation process, or if you’re an employee, it’s figuring out how to increase your paycheck and commissions so you get paid more every month.

Number 3: They invest in other people’s businesses and talents, whether through direct partnerships or private equity, stocks, and other financial assets.

They then compound all three to officially become a Triple Compounder! (Someone who incorporates Triple Compounding to build a wealth ecosystem).

Triple Compounders often automate all parts of their Triple Compounding system to accelerate their profits without physically being involved. 

Triple Compounding Phase 1: Investing in Yourself

Above I showed you that the first thing Triple Compounders have in common is investing in themselves to acquire a success mindset.

People who want to escape the rat race and achieve financial freedom often overlook the importance of having the right mindset.

However, research shows that mindset is the foundation of one’s capability to generate wealth.  

In fact, in his research and study of the wealthiest people alive at his time, Napoleon Hill came to two very unique discoveries:

• Number 1: He found out that all wealthy people have certain characteristics in common.

• Number 2: He found out none of them were born with these characteristics!

Isn’t that amazing news? Every successful person develops this mindset by investing in themselves.

Even though Napoleon Hill and the successful people of his time are all long gone, this stands true.

All self-made wealthy people admit that they first invested in themselves to acquire the success mindset.

That gave them the confidence to bet on themselves first so that they could generate more income, which is the first phase of Triple Compounding.

Join me at my next Triple Compounding Live event to discover the necessary steps to invest in yourself and develop a wealthy mindset.

Triple Compounding Phase 2: Investing in Your Income-Generating Extension

The purpose of investing in financial assets like stocks and cryptocurrency is to make your money work for you. But you can’t make the money you don’t have work for you!

Investing in external assets like stocks and cryptocurrency before investing in yourself to generate income involves huge risks.

When you buy stocks without the money you actually have, that means you are borrowing money to buy. Due to the volatile nature of such financial assets, investing with the money you don’t have could cause you to lose the little you might have and more.

This is exactly why 96% of retail traders LOSE money in the stock market.  

Before starting to invest in online financial markets or other people’s businesses, you must make sure of two things:

• Number 1: generate an income.

• Number 2: make sure your income is higher than your expenses

Now, you might say, “But Kiana! That’s easy for you to say! I’m already working three jobs and can barely make ends meet!! How can I do this without burning out even more?!”

Here’s when you must become resourceful.

A Personal Example of Becoming Resourceful

My situation was so bad after I got fired from my job that I didn’t even have money to pay rent. I had failed every job interview, and I didn’t even speak English properly back then, so I felt unemployable.

While she was away, I was sleeping on one of my friend’s couches in exchange for looking after her five cats.

I’m not even a cat person, so I stayed there, feeling sorry for myself while trying to keep the cats off my sheet. That’s when I came across this quote from Tony Robbins that said:

“It’s not the lack of resources that limits us, but the lack of resourcefulness.”

That’s when it hit me: I had to become resourceful to get myself out of the mess I had created. So, I made a decision to snap out of playing victim, invest in myself, and learn a skill so I can generate income. 

I had seen a financial company was looking for a video news reporter so I thought to myself, if I can read off a Teleprompter, I could get that job.

I invested in a coaching program that taught people how to read off a Teleprompter. That helped me get the side gig, and the side gig allowed me to increase my income potential, which was the stepping stone to my now multi-million dollar Invest Diva business.

You might think, “But Kiana if you were so broke, how did you pay for that program?!”

Here’s how I became even more resourceful. I temporarily did some waitressing to save money so I could invest in myself to learn a skill that paid me a lot more than waitressing.

There are so many temporary things you can temporarily do to become resourceful and invest in yourself or in your extension. Here are some examples:

• Driving Uber or Uber Eats

• Babysitting

• Writing AI prompts for ChatGPT (it pays $30K per year as a side gig!)

• Mow your neighbor’s lawn

Remember: This is not going to become your career. I didn’t aspire to become a waitress, for example. There’s nothing wrong with being a waitress. But I sucked at it so much that I got fired from multiple restaurants!

But it helped me reach my ultimate goal faster, like a bridge. From there, I compounded the money I earned from my videos with the next phase of my Triple Compound system, which launched me toward financial freedom.

Join me at my next Triple Compounding Live event to overview the seven income-generating categories you could consider.

Triple Compounding Phase 3: Investing in External Assets

External assets are the third and final type of asset you need to invest in to complete your Triple Compounding system.

When you have already invested in yourself as an asset, and invested in your income-generating extensions like your career, your business, or even side gigs as a stepping stone, you can now start accelerating your Triple Compounding by investing in external assets.

This means leveraging other people, businesses, or even governments’ investment in themselves without having to be directly involved in the value creation. This can include:

• Stocks

• Crypto

• Foreign Exchange (forex)

• Options

• Index Funds

• Real Estate

• Private Equity

• Venture Capital

• Insurance

• Alternative investments

Join me at my next Triple Compounding Live event to explore different types of external assets you can add to your Triple Compounding system.

Compounding The Three Types of Investment Assets to Build Your Triple Compounding System

As I explained at the beginning of this blog post, the word compounding essentially means “to put together.”

Following the steps I have discussed so far here, you’ll first invest in your most important asset: yourself. Then, you’ll do your first compounding (1X) and put it together with investing in your second asset to automate your income generation.

Then, you’ll do your second compounding (2X) and put it together with investing in the third asset type to accelerate your financial growth.

Now that you have completed the first round of three investment types, you get to compound it by investing in yourself again (3X) to unlock your next level of financial growth.

As Tony Robbins says, if you’re not growing, you’re dying. I say, if your money isn’t growing, it’s dying too.

Triple Compounding is the most complete framework to ensure you’re on the right path to reaching your fullest potential, both personally and financially.

Check out how people have created their dreamlives using Triple Compounding at TripleCompounding.com

Triple Compounding Meaning

In summary, Triple Compounding is the accelerated growth of wealth through three interconnected layers of financial leverage:

1. Compounding your investments—earning returns on your returns through reinvested profits and dividends.
   
2. Compounding your contributions—increasing the money flowing into your portfolio by expanding your income streams.
   
3. Compounding your automation—using systems, limit orders, and reinvestment strategies to keep your money working 24/7 without constant manual effort. Unlike traditional compounding, which relies solely on time and reinvested gains, Triple Compounding actively speeds up the process by fueling it with increasing contributions and intelligent automation, allowing you to achieve financial freedom faster.

Bringing it all together: Triple Compounding to Generate, Automate, Accelerate

Triple Compounding FAQ’s: Everything You Need to Know

Q: Will this work for me if I’m a beginner?

A: Yes! Triple Compounding is designed for anyone who wants to build wealth, regardless of experience. If you’re just starting, you’ll learn how to invest, automate your finances, and grow your income systematically. You don’t need advanced knowledge – just a willingness to follow the steps.

Q: Will this work for me if I’m intermediate?

A: Absolutely. If you already have investing experience but feel stuck or unsure how to increase your contributions and automate growth, Triple Compounding will help you optimize your strategy, increase cash flow, and accelerate your financial freedom.

Q: Will this work for me if I’m advanced?

A: Yes! Even experienced investors often miss out on strategic automation and income expansion techniques that maximize compounding. If you’re already investing but want to scale faster, Triple Compounding helps you leverage systems and higher-level investment strategies to reach bigger financial goals.

Q: Does it matter how old or young I am?

A: No, it’s never too early or too late to start Triple Compounding. What matters is that you start from where you are and work with what you have.

If you’re young, you have the advantage of time. Even small investments can snowball into massive wealth through decades of compounding.

The earlier you start, the less you need to contribute to reach financial freedom. For example, someone who starts investing $100 per month at age 20 can achieve similar results to someone who starts at 40 but contributes significantly more.

If you’re older, you can still catch up by maximizing contributions, increasing income streams, and automating your finances.

Even if you feel “late to the game,” focusing on these strategies allows you to accelerate your compounding, reduce financial stress, and build wealth faster.

Many people in their 50s and 60s have achieved financial freedom by making bold, focused financial moves later in life.

Q: Can I implement Triple Compounding if I live outside the U.S.?

A: Yes, Triple Compounding works globally, because the principles—compounding investments, increasing contributions, and automating your finances—apply universally.

However, the specific financial vehicles (like tax-advantaged retirement accounts) may vary by country. Whether you’re in Europe, Asia, Australia, or elsewhere, you can adapt the strategies to your local investment options.

Here are a few country-specific examples to get you started:

• United Kingdom: Use ISAs (Individual Savings Accounts) and pension funds to maximize tax efficiency while compounding your investments.
  
• Canada: Invest through RRSPs (Registered Retirement Savings Plans) and TFSAs (Tax-Free Savings Accounts) to grow your wealth tax-free.
  
• Australia: Use superannuation funds and stock market ETFs to build your compounding machine.
  
• India: Consider Mutual Funds, PPF (Public Provident Fund), and SIPs (Systematic Investment Plans) to automate and grow your contributions.

The key is to identify your country’s tax-efficient investment options and leverage the same Triple Compounding principles—invest, contribute, and automate.

Q: Is there a guarantee?

A: No financial system can guarantee specific returns, but the principles of Triple Compounding are backed by time-tested financial laws, market performance, and behavioral economics.

Success depends on your commitment to applying the strategies – investing consistently, increasing contributions, and using automation.

Q: What is the success rate?

A: The success of Triple Compounding depends on how well you implement it.

Historically, investors who:

✅ Consistently invest and reinvest earnings

✅ Increase contributions over time

✅ Use automation to remove emotional decision-making

Tend to outperform those who rely on guesswork or irregular investing. The more you follow the system, the more likely you are to achieve financial freedom faster.

Triple Compounding Conclusion

Having read this detailed blog post, you now know all about what is triple compounding. Congratulations!

Bottom Line: Whether you’re 18 or 58, living in the U.S. or halfway around the world, Triple Compounding is a flexible, powerful system that works for anyone willing to invest, contribute, and automate. The sooner you start, the faster you’ll see results – but what truly matters is starting now.

Final Takeaway: Will Triple Compounding Work for You?

✅ If you’re willing to learn, invest, and automate, this system can help you build wealth.

✅ If you’re looking for a quick, get-rich scheme, this isn’t it.

✅ If you want a proven financial system that works for beginners and advanced investors alike, you’re in the right place.

Are you ready to start applying Triple Compounding to fast-track your financial freedom? 🚀

Remember, personal finance is personal, and there’s no one-size-fits-all investment strategy. 

My goal is to help you take control of your financial future and accelerate the financial freedom you deserve without relying on shady money managers, even if you’re super busy and even if you’re not a math whiz. 

And we do that with Triple Compounding LET’S GO! 🔥🚀

Remember to register for your FREE Triple Compounding™ Training HERE AND get the Triple Compounding™ workbook and personal risk management toolkit for FREE.

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Disclosure: I am not a financial advisor and this is not financial advice. This information is for educational purposes only.  This post ‘5 Stocks I’m Buying In My $6 Million Portfolio’ may contain affiliate links, meaning I get a commission if you decide to make a purchase through my links, at no cost to you. Please see terms of service page for more information.