One page · the whole future

GOALS

Every card has one action. No action = parked or closed. Updated 16 Aug 2026.

R500 000 / month
after tax, machine running itself. That number is really a capital number — passive income is what wealth pays out, not how it's built:
REITs · 9.2%
R114M
zero work, zero leverage
Student lets
±R45M
leveraged, tenants amortise
Milestone: R100k/m
R20M / R9M
REITs vs property route
The lane (decided 16 Aug): construction & property. The job teaches how buildings get costed, scheduled and delivered — the exact skill of owning student accommodation later. One lane, every rung feeds the next: course → planner job → bankable → rooms → buildings. Trading rides alongside as the accelerator, never the lane.

The two roads to the number

Road A — with trading

  1. Planner job = income + bankability
  2. FVG LAW log → 20+ real trades
  3. Prop firm eval → funded account
  4. Scale funded capital → own capital
  5. Capital → student lets + REITs

Road B — without trading

  1. Planner job = income + bankability
  2. Save hard → rent-to-rent (±R60k start)
  3. First bond → student let #1
  4. Repeat → ±10 doors
  5. Managing agent at 8–10% → passive
Both roads start with the same rung: the course. That's why it's the only thing marked NOW.

Now · this week

NOW

Finish the PMI course — Dad's deadline Fri 21 Aug

→ BOUGHT 16 Aug · order #25001892240 · sign in at my.pmi.org → dashboard → course. 23 hours, self-paced, socials off.
DEADLINE: FRI 21 AUG (DAD) · UNLOCKS: CAPM + THE JOB
NOW

FVG LAW — log every trade

→ Each signal taken: instrument · entry type · marks (◆»✦⌖) · result. 20 rows unlocks the prop-firm step. The log is the bottleneck, not the indicator.
STARTED 14 AUG · 4–0 DAY ONE · APP: TRADINGVIEW + MT5

Next · after the course

NEXT

CAPM exam

→ Book straight after the course — its 23 hours ARE the entry requirement. ±R4,000. "CAPM®" goes on the CV.
NEXT

MS Project course

→ Dad sent MS links, so MS it is. Fastest+cheapest: School of IT online from R8,900 · Classic R10,500 (Midrand venue 17–19 Nov). Full comparison lives in PLANNER.
NEXT

Activate the job

→ CV + Pnet updated with CAPM + MS Project, then Dad's company or his recommendation. Entry: project administrator / coordinator, ±R16–20k/m, planner track.
THE JOB = INCOME + WHAT MAKES THE BANK SAY YES

Later · each unlocks on a condition

LATER

Prop firm evaluation

→ Unlocks at 20+ logged FVG trades with positive expectancy. Check SA payout terms on the firm's own site before paying — some allow signup, block payout.
LATER

Rent-to-rent — first rooms

→ Unlocks with job income. Lease a house near UJ (93,000-bed gap at one university), landlord's written sublet consent, let per room. ±R60k to start, ±R3k/m clear per house. Private-paying students first, not NSFAS.
LATER

Student let #1 — with a bond

→ Unlocks with payslips. R1M house as 6 rooms ≈ R21k/m gross vs R10k bond — cash-positive, tenants pay the asset off. Check municipal zoning before buying.
LATER

REIT auto-invest

→ Unlocks with first salary. Any amount, monthly, 9.2% sector average — the truly passive lane while the property engine builds.
LATER

UJ — HCBM15, Jan 2027

→ Opens ±5 Jan 2027, free application, capacity is the clock. Reminder set to fire every session from 2 Jan. Runs parallel to the job — not instead of it.

Parked · alive, not this month

PARKED

Marketplace templates · Pnet freelance · DIAL

Verified routes, profiles live. They resume if the main lane stalls — not before.

Closed · do not reopen