Library of ideas
Library of Ideas

crucible of experience
Crucible of Experience

stairway to a fortune
Stairway to a Fortune

Treasury of Tales
Treasury of Tales

Vault of Old Videos
Vault of Old Videos

Portfolio of Motivation
Portfolio of Motivation

Table of Negotiation
Table of Negotiation

Additional articles:

Get Rich After Retirement

Never Break the Copper Rule!

Barter Page

First Step to a Fortune:

image of fallen penny near weight bench

First step:  The first step to making a fortune as a penny capitalist couldn’t be any more simple.  Go out and find a penny!  Harvest the penny!  That’s it! 

For me it was simple.  I was working out at the gym.  On the floor near a work out bench was my penny.  I picked it up and that was that. 

 Notice the form we use.

This is a business plan I adapted from the simple scientific method experiment report forms I was taught in high school and college. 

image depicting Experiment Title

Finding a Penny



From scratch, risking nothing but my time, I search with the expectation of finding a penny.


If I search, I will find a penny.


Formulate a plan then work the plan adjusting it to get better results as you go.

Observe the facts around your vision until an idea forms. Adjust the ideas until you can confirm it as workable plan Close your eyes and visualize a found penny.  Let the vision form in your mind’s eye.  Notice what backgrounds appear around your mental penny!  Perhaps you will be given a clue as to where to look for your penny.  Don’t worry about it.  If your instinct and your intuition is undeveloped, this website will fill in the blanks while you develop it.

I keep an eye out for a free penny. We start with nothing but our feet and the ground upon which we walk. Shoes help, but if you have none then tread lightly. If you have no feet, you'll have to be creative.


I find a penny near the weight bench at my gym.


What other places might we might find money?


You can find money in any place people go.  Parking lots where people move their keys in and out of pockets, vending machines, phone booths, fitness gyms, and school yards are good prospects.  Children like to play with coins, but when a new toy catches their eye, they often drop the old one on the spot.

What does this free money mean to a capitalist?

It means that opportunity exists for everyone to acquire and build a capital base from which to  grow wealth.

Conclusion or Final Result

There is enough money available to provide a stake for any capitalist who has lost all his income and working capital that anyone might start over anytime the need arises.

I believe this will continue so long as the system inflates prices and devalues money.

Working people are worse about losing pennies than rich people. Working people have less leisure time to do things they want to do. They are too busy working. As they value their free time more than money, they will often not take the time to bend over and pick up a penny as it falls.

When working class people lose their jobs, they suddenly have more time to retrieve the coins they drop.  For years I could get a feel for how a local economy was doing by looking around the parking lot of a nearby convenience store  If the local working class was doing well, I could find several coins on the ground as they pulled their keys out of their pockets spilling coins. I call it the Penny Capitalist's Blue Collar economic indicator.

When times are bad, more blue collar workers pick up the coins they drop.  When times are good, their leisure time is so scarce they don't want to waste it picking up pennies.  In the wealthy neighborhoods, there are less pennies.  Some of the rich folk’s staff may drop a penny from time to time, but a better place to look for pennies will be near a working class neighborhood or a truck stop.

Rich people know a penny is not worth much by itself, but they worry a lot about taxes and cash on the ground represents opportunity for tax free money. They also understand that money invested makes more money. That is just not an opportunity most of them want to miss. Rich people pick up their pennies!

I haven't been to every country in the free world, much less the unfree countries, but I assume that a penny, or whatever lowest denomination coin available, can be found readily almost everywhere.

Don't let anything stop you; you can figure out a way to get started. After you learn how easy it is to accomplish a small goal, you will grow the confidence to tackle the next goal.

In seventh grade science we always had a conclusion to our experiment.  As we progress through our experiment in penny capitalism, we must pause to observe the lessons we learn.  This way we will take these lessons to the next level to  increase our chances of success.  The lessons we learn in these early steps are far more important than the pennies we gain. The world is full of poor people who saved up a large chunk of capital to invest only to lose it because they were investing at levels they were not ready for.

Even if you've save a nice nest egg; don't just invest it blindly, or worse with one of those financial advisers promising you a fortune.  Listen to them as they brag to each other how they never invest their own money. These guys invest your money, and they end up with it while you end up with nothing!

Learn to invest your own money, in tiny amounts.  Increase your investments in small increments (10%). 

Some of the lessons I learned in this first step were that rich people value money more than poor people.  I learned that money and opportunity is pretty much just laying around for the taking.  I learned that if you look, you’ll see.  It doesn’t take long before you find pennies, dimes, quarters and even folding money, everywhere.

Get yourself a journal and write down your own experiences with each completed step.

Copy this lesson and subsequent ones from and paste it into your own files.  Adapt your own experiences to the form of ours.   Adapt the form to suit you.

This step may seem tiny and insignificant, but when you complete 154 of these steps, give or take a few,  it might surprise you to learn you will have become a multi-millionaire.  More than that you will have acquired the skills to do it again and again and again.

Once you've truly learned the lesson of this first step, it will be hard for you to leave abandoned pennies laying unclaimed.  Passing up even a penny opportunity can cost you 2 million dollars!  Don't look at the penny as a penny saved; see it as an investment growing through the 154 cycles.  It's not a penny; it is two million dollars.  It is the difference between a pauper without the skills to make money and an experienced capitalist that has acquired not just wealth but the knowledge to acquire fortunes over and over again.

Make it fun!


Next Step 2