Your path to ownership
15% of your monthly income. 3 years. Real equity in a business you helped build — and dividends that pay for life.
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How 15% of your paycheck builds ownership
Every month, 15% of your income is withheld and invested directly into the business — marketing, equipment, hires, growth. Your take-home is 85% of what you earn. As revenue grows, your income grows, which means your contribution grows — and your equity grows with it.
Equity vesting — what you earn each year
Three-year breakdown — per employee
| Year | Revenue | Monthly income | 15% contribution | Take-home/mo | Cumulative invested | Equity earned | Equity value |
|---|---|---|---|---|---|---|---|
| Year 1 | |||||||
| Year 2 | |||||||
| Year 3 |
After year 3 — dividends start, contributions stop
Month 37: the 15% payroll deduction ends. You keep 100% of your income again. And now you also receive monthly profit distributions on your fully vested equity — passive income on top of your full paycheck.
Three paths — with and without ownership
| No buy-in Stay an employee |
Buy in + stay Recommended |
Buy in + exit yr 3 Buyout option |
|
|---|---|---|---|
| Total earned (5 yrs) | |||
| Equity owned | 0% | 0% (cashed out) | |
| Equity value at yr 5 | $0 | Paid out at year 3 | |
| Monthly dividends | $0 forever | $0 after exit | |
| Net worth built | $0 |
Deal terms
| Structure | Manager-managed LLC. Matt remains sole managing member with 100% operational control. Employees receive profits interest (economic rights only, no voting). |
| Buy-in method | 15% of monthly income withheld and invested into business operations. Contributions fund growth: marketing, equipment, hiring, working capital. |
| Vesting | Equity vests proportionally over 36 months. Leave early = keep earned equity, unvested portion forfeits. Full vesting at month 36. |
| No early distributions | Zero profit distributions during years 1–3. All capital stays in the business. Dividends begin month 37. |
| Dividend schedule | Monthly, based on equity % of distributable profit (business share after royalty and labor). Paid by the 15th for the prior month. |
| Buyout option | At year 3+, either party can trigger a buyout at fair market value (independent appraisal). Matt retains right of first refusal. 90-day payout. |
| Performance gates | Annual revenue + margin targets. Miss = that year's tranche deferred. Two consecutive misses = deferred tranche forfeits. |
| Non-compete | 50-mile radius, 24 months post-exit. |
| Cap | 10% max per employee. Combined employee equity never exceeds 20%. |
You invest 15% of your paycheck for 3 years. Your 10% stake in a $3M business is worth $300,000 — on a $115K investment.
No loans. No debt. The 15% comes from your earnings, gets invested into growth that raises the value of what you own, and after 36 months the deduction stops and the dividends start.
This is how working people build real wealth. Through ownership.