How to Invest Your Money as a Remote Worker

Introduction

Hey there, fellow remote warriorpicture this: you’re sipping coffee in a Bali café, wrapping up a client call from your laptop, with the freedom to work from anywhere. Remote work has exploded, offering flexibility that traditional jobs could only dream of, but it also flips your personal finance game upside down. Without a steady office paycheck or employer perks, your income might swing wildly based on gigs and clients, leaving you to handle taxes, benefits, and savings all on your own. This setup demands a proactive approach to money management, and that’s where investing comes in as your secret weapon for long-term security. It’s not just about stashing cash; it’s about making your money work as hard as you do, building a nest egg that supports your nomadic dreams without the fear of running dry.

Why is investing crucial for us remote folks? Well, the perks of location independence often come with hidden financial pitfalls, like higher healthcare costs or currency fluctuations when you’re globetrotting. But the upside? Remote workers can earn significantly more than their office-bound counterparts. According to a 2023 FlexJobs report, remote professionals report an average salary boost of 20- due to tapping into global opportunities, yet many lag in wealth-buildingonly have a dedicated investment plan compared to of traditional employees. This gap means you’re potentially leaving serious money on the table. Investing bridges that divide, turning irregular freelance payouts into compounding assets that grow over time, whether you’re funding early retirement or that dream van life.

“Remote work gave me freedom, but investing gave me peace of mindit’s the difference between surviving and thriving on the road.” – Anonymous digital nomad

In this beginner’s guide, we’ll walk you through everything you need to know about investing tailored for remote workers like you. We’ll start with the basics, like assessing your financial health and setting up emergency funds that travel with you.

Previewing Your Investment Roadmap

From there, we’ll build up to smarter moves:

• Foundational steps: Budgeting for variable income and choosing high-yield accounts that beat inflation.
• Core strategies: Diversifying into stocks, bonds, and index funds with low-fee platforms suited for international access.
• Advanced tactics for digital nomads: Tax optimization across borders, crypto for the adventurous, and retirement accounts that handle multi-country living.

By the end, you’ll have a clear, actionable plan to grow your wealth without missing a beat in your remote routine. Let’s dive in and turn your hard-earned freedom into lasting financial firepower.

Understanding the Unique Financial Landscape for Remote Workers

As a remote worker, you’ve traded the stability of a corner office for the freedom of working from anywherebe it a beach in Bali or your couch at home. But that flexibility comes with a financial twist that’s worlds apart from the predictable rhythm of a traditional 9-5 job. We’re talking irregular income streams, cross-border tax headaches, and lifestyle choices that can make or break your budget. In this section, we’ll unpack these elements so you can navigate them like a pro, turning potential pitfalls into opportunities for smarter investing. Think of it as mapping out the terrain before you set off on your wealth-building adventure.

Income Volatility: Riding the Freelance Waves

Ever feel like your paycheck is more of a suggestion than a guarantee? That’s the hallmark of remote work, especially for freelancers and gig economy pros. Unlike the steady bi-weekly deposits from a salaried position, your earnings can swing wildly based on client demand, project deadlines, or even global events. According to Upwork’s 2023 Freelance Forward report, freelance income fluctuates by an average of month-to-month, with of respondents experiencing at least one dry spell lasting over a month in the past year. This volatility hits harder than in traditional jobs, where benefits like paid time off and employer-sponsored health insurance provide a safety netremote workers often forgo those entirely, leaving you to cover gaps out of pocket.

What does this mean for investing? It forces you to build buffers that traditional workers might skip. Start by tracking your income over six months to spot patterns; maybe summer slows down for your niche, so ramp up savings then. Tools like budgeting apps can help average out highs and lows, ensuring you invest consistently without panic-selling during lean times. Remember, this isn’t just about surviving the dipsit’s about leveraging the peaks to fuel long-term growth. By understanding this ebb and flow, you’re better positioned to invest without the stress of unpredictability derailing your plans.

Tax Implications: Navigating the Global Maze

Picture this: You’re earning dollars from a U.S. client while sipping coffee in Portugal. Sounds dreamy, right? But taxes can turn that dream into a nightmare if you’re not careful, especially with double taxation risks lurking for international remote workers. Many countries tax income based on residency, while your home country might still claim a sliceleading to potential double-dipping unless you plan ahead. The OECD reports that over 2,500 double tax treaties exist worldwide, but gaps remain, and freelancers often overlook them, resulting in an average 15- higher effective tax rate than anticipated.

Optimization is key here, and it’s more approachable than it seems. First, determine your tax residency; tools like the IRS’s substantial presence test can clarify if you’re still tied to your origin country. Consider forming an entity like an LLC in a low-tax jurisdiction, or use treaties to claim credits for instance, if you’re in Spain working for a U.S. firm, the U.S.-Spain treaty allows you to avoid double taxation on certain income. Practical tips include quarterly estimated payments to avoid penalties, and consulting a cross-border tax advisor early; it could save you thousands. Don’t let this intimidate youmany remote workers thrive by treating taxes as a strategic game, deducting home office setups and travel as business expenses to keep more in your investment pot.

Lifestyle Factors: From Cost-of-Living Swings to Real-World Wins

Remote work lets you chase sunsets and savings, but cost-of-living variations across countries can sneak up on you like an unexpected bill. What costs $2,000 a month in a U.S. city might drop to $1,200 in Thailand, freeing up cash for investmentsor inflate to $3,500 in Switzerland, squeezing your margins. Numbeo data shows digital nomads can save 30- on living expenses by relocating to lower-cost spots, but lifestyle creep is real; that extra income might vanish on fancy co-working spaces or imported groceries. It’s a double-edged sword: greater freedom, but you have to actively manage it to avoid eroding your investing power.

Let’s look at a real case study. Take Alex, an anonymous graphic designer who relocated from New York to Medellín, Colombia, two years ago. Back home, his $4,000 monthly freelance income barely covered rent and basics in a high-cost environment. In Medellín, the same gigs stretch furtherrent dropped from $2,500 to $600, utilities to $50, and local food is a fraction of U.S. prices. This shift let him sock away of his earnings into index funds, building a $50,000 portfolio in under two years. But Alex learned the hard way about hidden costs like visa fees and currency exchange losses, which ate initially. His tip? Use sites like Expatistan to compare costs pre-move, and budget for a buffer to handle surprises. Stories like his show how relocation can supercharge your wealth-building, but only with eyes wide open.

Quick Self-Assessment: How’s Your Financial Health Holding Up?

Ready to gauge where you stand? This simple quiz will help you evaluate your setup and spot areas for improvementanswer honestly, and tally your score at the end.

1. Income Stability: On a scale of 1-5 (1 being highly volatile, 5 steady), how would you rate your monthly earnings? (Score: Your rating)

2. Emergency Fund: Do you have 3-6 months of expenses saved in an accessible account? (Yes: 5 points; Partial: 3; No: 1)

3. Tax Knowledge: Have you reviewed your residency status and potential double taxation risks this year? (Yes: 5; Somewhat: 3; No: 1)

4. Lifestyle Budget: Are you tracking cost-of-living changes if you’ve relocated or plan to? (Yes: 5; Planning to: 3; No: 1)

5. Investment Habits: Do you invest at least of your income regularly, regardless of fluctuations? (Yes: 5; Occasionally: 3; Rarely: 1)

Total your points: 20-25 means you’re in solid shapekeep building! 10-19 suggests room for tweaks, like bolstering that emergency fund. Under 10? Time to prioritize basics before aggressive investing. Use this as a wake-up call; small adjustments now can lead to big gains later.

“Assessing your finances isn’t about judgmentit’s about empowerment. Take a breath, make a plan, and watch your remote life transform.” – An anonymous remote worker

By grasping these unique aspects, you’re not just reacting to the remote worldyou’re mastering it. This foundation sets you up to invest wisely, turning the challenges of your lifestyle into your greatest assets.

Building a Solid Financial Foundation Before Investing

Before you even think about dipping your toes into stocks or funds, let’s get real: investing without a strong base is like building a house on sand. As a remote worker, your financial world is full of twistsirregular paychecks from gigs, surprise costs for that co-working spot in Bali, or currency fluctuations when you’re bouncing between countries. I’ve seen too many freelancers jump straight into investments only to pull out in a panic during a dry spell. The good news? You can shore up your foundation with a few smart moves that fit your nomadic life. We’ll break it down step by step, so you feel confident and in control.

Crafting a Budget That Fits Your Remote Lifestyle

Creating a budget isn’t about squeezing every penny; it’s about making your money work for your freedom-loving ways. Start by tracking your income over the last six months to spot those ebbs and flowsmaybe you pull in $5,000 one month from a big project but only $2,000 the next. Factor in remote-specific expenses like high-speed internet subscriptions ($50-100/month), co-working memberships ($200-400 in places like Lisbon), or even virtual office tools that add up. Use the 50/30/20 rule as a starting point: for necessities (rent, food, travel), for wants (that spontaneous weekend getaway), and for savings and debt payoff. But tweak it for fluctuationsaim to save aggressively during high-earning months to cushion the lows.

What if your gigs are super unpredictable? Build in a “gig buffer” by estimating your average monthly income and subtracting to account for downtime. Tools like spreadsheets can help, but don’t overcomplicate it at first. Remember, this budget isn’t set in stone; review it quarterly as your lifestyle evolves. One remote marketer I know slashed her “wants” category by after realizing coffee runs in different time zones were draining hersuddenly, she had an extra $150 to stash away each month.

Building Your Emergency Fund: Your Safety Net on the Go

Once your budget’s humming, it’s time to stack that emergency fundthink of it as your financial parachute for when a client ghosts or an unexpected flight home costs a fortune. The rule of thumb? Aim for 3-6 months’ worth of living expenses, depending on your job stability. If you’re in a volatile field like content creation, lean toward 6 months; for steadier consulting, 3 might suffice. Calculate your essentialsrent, groceries, insuranceand multiply by those months. Start small: automate $100-200 transfers right after a payout hits your account.

Where to park it? High-yield savings accounts are your best bet, especially for global nomads. Options like Ally or Marcus by Goldman Sachs offer APYs around 4- (as of 2023 data), beating traditional banks’ measly . They’re FDIC-insured up to $250,000, and many work seamlessly across borders with no foreign transaction fees. Here’s a quick step-by-step to get started:

1. Open an account with a provider that supports international transfers, like Wise-linked savings for easy access.
2. Set up automatic deposits from your main checkingconsistency beats perfection.
3. Review and adjust every six months; if your expenses drop after moving to a cheaper spot like Chiang Mai, scale back your target.
4. Resist the urge to touch it for non-emergencieslabel it “untouchable” in your mind.

“My emergency fund saved me when a laptop died mid-project in Mexicowithout it, I’d have scrambled for credit card debt. Now, I sleep easy knowing I’m covered.” – Anonymous remote developer

This fund isn’t just savings; it’s peace of mind that lets you chase opportunities without fear.

Tracking Your Finances with Apps for the Global Hustler

Keeping tabs on your money shouldn’t feel like a chore, especially when you’re juggling time zones and currencies. Apps like Mint or YNAB (You Need A Budget) are game-changers for remote workersthey’re cloud-based, so you can check your balances from anywhere with Wi-Fi. Mint links to your accounts automatically, categorizing spends and alerting you to overspending on things like roaming data fees. YNAB takes a more hands-on approach, assigning every dollar a job, which is perfect for irregular incometell it to prioritize your co-working budget first.

For global users, look for apps with multi-currency support to avoid exchange rate headaches. Actionable tip: Sync your freelance invoicing tools (like FreshBooks) with these apps for real-time income tracking. Set custom categories for remote quirks, such as “visa renewals” or “gear upgrades.” I recommend starting with YNAB if you’re detail-oriented; its zero-based budgeting helped one writer I advised turn chaotic freelance cash flow into a predictable savings machine. Pro tip: Enable notifications for low balances, so you’re never caught off-guard during a gig lull.

Dodging Common Mistakes and Learning from Real Wins

Even savvy remote workers trip up on budgeting basics. A big one? Underestimating variable costslike forgetting to budget for health insurance hikes when crossing borders, which can gobble 10- of your income unexpectedly. Another pitfall: ignoring taxes until April, leading to a scramble that wipes out savings. Or chasing “lifestyle creep” after a fat client payment, only to crash when work slows. Data from a 2022 Freelancers Union report shows of independents face cash flow issues due to poor trackingdon’t join that club.

But here’s the inspiring flip side: success stories abound. Take Sarah, an anonymous virtual assistant who was drowning in debt from unchecked travel splurges. She switched to a zero-based budget via YNAB, carved out $300 monthly for her emergency fund, and within a year, built three months’ cushion while paying off $10,000 in cards. Now, she’s investing surplus income without stress. Another win: Mike, a coder, factored in co-working fees early and automated savings, turning a $3,000 dry month into a non-event. These folks prove itstabilizing your finances isn’t rocket science; it’s consistent, tailored habits that unlock your investing potential. You’ve got the tools; now make them yours.

Selecting Investment Options Ideal for Remote Workers

As a remote worker, your investment choices need to be as flexible as your lifestyleeasy to manage from a beach in Bali or a café in Lisbon, without getting bogged down by borders or bureaucracy. We’re talking low-barrier options that let you dip your toes in without needing a finance degree or a fat wallet upfront. Think index funds and ETFs: these are like the Swiss Army knives of investing, tracking broad market indexes for diversified exposure with minimal effort. Their portability shines for international nomads; you can buy and sell them through global platforms that don’t care if you’re logging in from the US or abroad. Plus, with low fees often under , they won’t eat into your freelance earnings. In my experience, starting small with these has helped countless remote pros build wealth steadily, turning irregular paychecks into a growing safety net.

Low-Barrier Investments: Index Funds and ETFs for the Jet-Setter

Why bother with index funds and ETFs when the market seems so tempting with individual stocks? Simple: they’re designed for hands-off growth, mirroring the performance of entire markets like the S&P 500. For remote workers, the real win is their seamless portabilityno physical paperwork or location-specific rules to worry about. You can hold them in brokerage accounts that support multi-currency trading, making it easy to invest euros earned in Europe or dollars from US clients without hefty conversion fees.

Take an anonymous developer I know who bounces between Southeast Asia and Europe. She started with a Vanguard index fund ETF, investing $200 monthly from her laptop. Over five years, it grew by about annually, per historical S&P data, outpacing inflation and funding her next move. ETFs trade like stocks, so liquidity is highyou can sell anytime, anywhere with internet access. Just remember, while they’re low-risk compared to picking winners, they’re still tied to market ups and downs. Diversify across global indexes to hedge against regional slumps, and you’ll sleep better knowing your money’s working while you’re working remotely.

Robo-Advisors: Hands-Off Help for Global Hustlers

Ever feel overwhelmed by investment jargon while trying to meet a deadline? Robo-advisors like Betterment or Vanguard Digital Advisor step in as your virtual financial sidekick, using algorithms to build and manage portfolios based on your risk tolerance and goals. What sets them apart for remote workers is their handling of global headachesautomatic currency conversions, compliance with international regs, and even tax optimization across borders. No more sweating over exchange rates; they convert your funds efficiently, often at rates better than your bank.

These apps are a game-changer for irregular incomes too. Set up auto-investments from your PayPal or Wise account, and they’ll adjust as needed. A 2022 Morningstar report showed robo-advised portfolios returning 7- annually over a decade, similar to traditional advisors but at a fraction of the costfees around . An anonymous marketer shared how Betterment’s features let her invest from Thailand without US tax filing nightmares, growing her $10,000 starter pot to $18,000 in three years. They’re perfect if you’re not ready to go solo, offering quizzes to match your nomadic vibe with conservative or aggressive strategies.

Retirement Accounts: Building Long-Term Wealth on the Go

Retirement might feel distant when you’re chasing gigs worldwide, but accounts like Roth IRAs (or equivalents like ISAs in the UK or superannuation in Australia) are built for flexibility and tax perks. A Roth IRA lets you contribute after-tax dollars, then withdraw earnings tax-free in retirementideal if you expect higher taxes later. For international remote workers, look for providers with global access; many US-based Roths work fine abroad, but check for FATCA compliance to avoid reporting hassles.

The growth potential is staggering: historical data from the IRS shows Roth contributions compounding at annually could turn $5,000 yearly investments into over $1 million in 40 years. That’s real freedomfunding endless remote adventures without a boss. An anonymous consultant in her 30s switched to a Roth after going remote, maxing out at $6,500 annually; projections suggest it’ll hit $500,000 by 60, per compound interest calculators. International options varyEurope’s might offer similar tax shelters but with residency rulesso research equivalents like Canada’s RRSP if you’re based there. Start early; even small, consistent deposits leverage time’s magic.

Comparing Your Options: Pros, Cons, and a Quick Start Guide

To make it crystal clear, here’s a comparison table of these investment avenues:

Option	Pros	Cons	Best For
Index Funds/ETFs	Low fees, high diversification, easy portability	Market volatility, no personalized advice	Beginners seeking broad exposure
Robo-Advisors	Automated management, global compliance, low minimums ($0-$500)	Algorithm reliance, small annual fees	Busy nomads wanting hands-off help
Roth IRA/Equivalents	Tax-free growth, long-term compounding (7- historical returns)	Contribution limits ($6,500/year US), US-centric rules	Future-focused remote workers planning retirement

Ready to jump in? Here’s a step-by-step guide to opening an account from anywhere:

1. Assess your situation: Calculate your risk tolerance and goals using free online quizzes from sites like Vanguardtakes 10 minutes on your phone.
2. Choose a platform: Pick one with international support, like Betterment for robo or Fidelity for Roths; verify they accept non-US residents if needed.
3. Gather docs: You’ll need ID, proof of address (even a digital nomad visa works), and bank detailsscan everything via app.
4. Sign up online: Create an account through their website or app; it usually verifies in 1-2 days with e-signature.
5. Fund and invest: Link your international bank or Wise, transfer funds (start with $100), and select your investmentsautomate for ease.
6. Monitor remotely: Use the app’s dashboard to track progress; set alerts for big changes.

By picking options that match your mobile life, you’re not just investingyou’re securing the freedom to work from wherever inspiration strikes. Stick with these, and watch your wealth grow as effortlessly as your passport stamps.

Advanced Strategies and Diversification for Long-Term Wealth

You’ve nailed the basics of investing as a remote workernow it’s time to level up. Think of diversification not as some Wall Street jargon, but as your personal shield against the ups and downs of freelance life. By spreading your money across different asset classes, you’re building a portfolio that can weather economic storms, whether you’re coding from Bali or consulting from Berlin. We’ll explore smart ways to diversify, create passive income streams that fit your nomadic schedule, and learn from real-world success stories. Plus, I’ll share practical tools to keep everything on track from afar. Ready to turn your investments into a wealth-building machine?

Diversifying Across Asset Classes for Stability

Diversification is like not putting all your eggs in one basket, especially when your income can swing like a pendulum. As a remote worker, start by mixing stocks, bonds, and alternatives to balance risk and reward. For stocks, lean into low-cost index funds tracking broad marketsthey’ve historically returned about 7- annually after inflation, according to Vanguard data. Bonds offer steadiness, acting as a buffer during market dips, while commodities like gold can hedge against inflation that hits harder when you’re dealing with international currencies.

But here’s where it gets exciting for folks like you: real estate crowdfunding platforms make property investing accessible without needing to own a physical home. Sites like Fundrise or RealtyMogul let you pool money with others to invest in commercial properties or developments, starting with as little as $500. This is perfect for remote workersno landlord headaches, just quarterly dividends from rents. I remember chatting with a digital nomad who started with $1,000 in crowdfunding and saw 8- returns over a couple of years, all managed via app. Just diversify within real estate toomix residential and industrial to avoid sector slumps. By allocating 20- of your portfolio here, you’re adding tangible assets that complement your digital earnings.

Building Passive Income Streams That Fit Your Lifestyle

Who wouldn’t want money rolling in while you’re sipping coffee in a co-working space halfway around the world? Passive income is the holy grail for remote workers, freeing you from the grind of constant gigs. Dividend stocks are a straightforward entry point: companies like Procter & Gamble or Johnson & Johnson pay reliable quarterly payouts, often yielding 2- with potential for growth. Build a “dividend aristocrat” portfoliofirms that’ve raised payouts for 25+ yearsand reinvest those dividends to compound your wealth. Over time, this could generate enough to cover your monthly remote setup costs, like high-speed internet or VPN subscriptions.

For something more hands-on yet complementary to your work, consider launching an online business on the side. Think digital products like e-books or courses on platforms such as Teachable, which you create once and sell forever. A remote marketer I know built a stock photo library on Shutterstock, earning $500 monthly passively after the initial upload effort. These ventures leverage your existing skillswriting, design, or techwithout demanding daily attention. Aim to dedicate 5-10 hours upfront, then let automation handle sales. The key? Choose streams that align with your timezone flexibility, ensuring they enhance rather than disrupt your remote routine.

Lessons from a Remote Worker’s Path to Financial Independence

Let’s get real with a case study that hits close to home. Meet Jordan, an anonymous software developer who went fully remote five years ago. Starting with a modest $20,000 in savings, Jordan diversified aggressively: in index funds, in dividend stocks, in real estate crowdfunding, and in bonds. By year three, this mix had grown to $150,000, fueled by consistent annual contributions from freelance gigs. But success wasn’t linearduring the 2022 market dip, Jordan’s portfolio dropped , testing their resolve.

“I learned that risk management isn’t about avoiding losses; it’s about having a plan to bounce back,” Jordan shared. “Rebalancing quarterly kept me from panic-selling, and that saved me big time.”

The big lessons? First, risk management through asset allocationnever exceed 5- in high-volatility plays like individual stocks. Jordan used stop-loss orders and kept an emergency fund separate to avoid dipping into investments. Rebalancing was crucial: annually shifting back to target percentages prevented any one asset from dominating, which studies from Morningstar show can boost returns by 1- over time. Jordan hit financial independence at 35, living off withdrawals while traveling. Their story proves that with discipline, remote workers can achieve FI faster than traditional paths, but only by staying vigilant.

Actionable Tips for Remote Monitoring and Adjustments

Keeping tabs on your investments shouldn’t feel like a full-time job when you’re already working remotely. Tools like Portfolio Visualizer make it easy to simulate scenarios and track performance from your phoneinput your holdings, and it spits out risk metrics and historical backtests in seconds. Set up alerts for major shifts, like a portfolio drop, to prompt quick reviews without constant checking.

Here’s a simple numbered list of tips to stay ahead of economic changes:

1. Schedule quarterly check-ins: Use Google Calendar to review allocations remotely, adjusting for inflation or recessionsbump bonds if markets heat up.
2. Leverage free apps: Beyond Portfolio Visualizer, try Personal Capital for real-time net worth tracking and fee analysis; it’s synced across borders.
3. Diversify globally: Invest in international ETFs to counter currency risks, and rebalance if one region (say, U.S. tech) outperforms.
4. Stay informed without overload: Follow newsletters like Morningstar’s for macro trends, but limit to 15 minutes daily to avoid burnout.
5. Consult virtually: Use platforms like Betterment for robo-advisors or Zoom calls with fee-only planners to tweak strategies based on your location’s economy.

By implementing these, you’ll adapt proactivelythink shifting to defensive stocks during slowdowns. Remember, the goal is sustainable growth, not chasing every trend. With these advanced moves, your remote lifestyle becomes a launchpad for true long-term wealth.

Conclusion

As we’ve explored, investing as a remote worker isn’t about fitting into a traditional moldit’s about crafting a strategy that flexes with your nomadic lifestyle. You started by building that rock-solid financial foundation, like setting up an emergency fund that can follow you from Bali to Berlin without a hitch. Then, we dove into retirement accounts such as SEP IRAs and Roth options, which let you maximize contributions despite those unpredictable paychecks, turning income swings into opportunities for tax savings and growth. Diversifying into low-cost index funds and automating transfers keeps things simple, ensuring your money works as hard as you do, even during downtime between gigs. These steps aren’t just theoretical; they’re designed to give you the freedom to chase sunsets without financial worries nipping at your heels.

Your Next Moves: Get Started Today

Ready to turn this knowledge into action? Don’t let another month slip byprocrastination is the thief of compound interest, especially when your earnings ebb and flow. Here’s a quick action plan to kick things off:

• Assess your eligibility: Plug your numbers into an online calculator for accounts like a Roth IRA to see how much you can contribute this year, factoring in your remote setup.
• Open an account: Choose a provider with global access, like one supporting easy international transfers, and fund it with your first deposit right away.
• Seek expert advice: Schedule a chat with a fee-only financial advisor who gets self-employed quirksthey can tailor rollovers or deductions to your situation, potentially unlocking thousands in benefits.

Imagine waking up in a cozy café in Lisbon, checking your portfolio app, and seeing steady growth funding your adventures. As one anonymous digital nomad put it: > “Investing freed me from the desknow my money travels with me, building dreams while I live them.”

With these tools in hand, you’re not just surviving as a remote worker; you’re thriving toward a future of true financial independence. You’ve got the blueprintnow go build it.