If You Only Watch One Money Video This Year, Make It This

Jim Rohn used to say, formal education will make you a living, self-education will make you a fortune. Now, I love that line because school teaches you how to earn a paycheck. It doesn't teach you how to actually build any wealth. In 2025, the average American adult got only 49% of basic money questions right, the same score as in 2017. Now, my first business was baseball cards in 1988. When I was 8, my mom bought me a pack of baseball cards to cheer me up after Ben Johnson lost his Olympic gold medal. And a few years later, my Toronto Blue Jays won the World Series back to back and baseball cards went crazy in my city. Almost every weekend we drove 3 hours out of town to a baseball card show. I was 12 years old negotiating over $0.50 with 40-year-olds. I wanted to make this video because of something that I say on my coaching calls. Your purpose can't be number one, but money can't be number 100 either. Money needs to be in your top 5. So I put the money lessons that matter most in this one video. Now there are 10 most important money lessons that if you get right, every raise, every side business, and every dollar you save starts working for you and your family instead of poof disappearing. If you skip them, you can earn more every year and still be broke. And your kids learn how money works by watching what you do with yours. So here's what rich people know about money that they don't teach you in school. If you've been here before, drop a hashtag #Believe in the comments below so I can feature you here in a future video. And if you're new, welcome to Believe Nation, the only channel that helps you believe in yourself daily, one video at a time. Number 1, track every dollar. So you can't fix what you can't see. If you don't know where your money goes each month, it leaks out in small amounts that you never notice. A coffee here and a subscription there can add up to hundreds of dollars by the end of the month. So tracking every dollar shows you exactly where your money is going, and then you can decide what you want it to do. The richest people start by writing down every dollar that comes in and every dollar that goes out. In September 1855, a 16-year-old named John D. Rockefeller got his first job as an assistant bookkeeper at a produce company in Cleveland, called Hewitt and Tuttle. He was paid $0.50 a day. A few days later, he spent $0.10 on a small red notebook. He called it Ledger A, and he wrote down every penny he earned, spent, and saved and gave away. He checked every bill that came across his desk and caught mistakes of even a few cents. Rockefeller went on to build Standard Oil and become the richest man in America. And decades later, he still kept that first notebook. And he said, I call it Ledger A, and now I place the greatest value upon it. So try it this week. Write down every dollar you spend for 30 days and you'll See exactly where your money goes. One little hack that I use is I have my wife, Nina. Nina is amazing, and Nina keeps track of all of our expenses. And we have a family meeting, which is just the two of us every Monday night over dinner, and we talk about where our money is and how much money we made and where— what we're spending on and what we need to do next. And just having it organized so that I know it's being taken care of makes life a heck of a lot easier. Number 2, pay yourself first. So if you wait to save whatever is left at the end of the month, guess what happens? There's usually nothing left. There's rent and bills and everything else you want will always find a way to use up the money that you have coming in. So saving only works when it happens before you see the money. Successful people change the order so their savings come out first automatically before they even get a chance to spend it. The economist Richard Thaler found a way to make this automatic with Shlomo Bernadotte. He designed a program called Save More Tomorrow. Employees agreed ahead of time that part of every future raise would go straight into their retirement savings. They only had to decide once and they never saw their paycheck go down. At the first company they tried it, the workers who signed up went from saving 3.5% of their pay to 13.6% in 40 months. In 2017, Thaler won the Nobel Prize in Economics, and versions of his plan are now built into retirement plans across America. So set up an automatic transfer to savings on the day that your money comes in. Number 3, let compounding do the work. Compounding means your money earns money, and then that money earns you more money too. If you earn 7% a year, $10,000 becomes about $20,000 in 10 years, $76,000 in 30 years. It starts slow and every year grows a little bit faster. The biggest gains come in the last few years, so the people who wait the longest get the most. All it needs from you is time and for you to leave it alone. Ann Shyber worked as an auditor at the IRS in New York, and she never earned more than $4,000 a year. When she retired in 1944, she had saved about $5,000 and she put it into the stock market. She bought shares in companies that she understood and she held onto them for decades. She lived She lived in a small rent-controlled apartment and spent almost nothing on herself. And when she died in 1995 at 101 years old, her $5,000 had grown into $22 million. She left it all to a university to pay for scholarships for women. You can start with whatever you have today. How long you leave it alone matters much more than what you start with. Number 4, buy the whole market. You don't have to find the next winning stock to build wealth. Picking stocks is hard, even for professionals who do it full-time. Funds run by stock pickers also charge higher fees, and those fees come out of your returns every single year. An index fund owns a small piece of every big company all at once, so you'll never have to guess which ones will win. Many successful investors put most of their money into index funds and keep their fees low. In 1975, Jack Bogle started Vanguard, and a year later he launched a fund that didn't try to pick winners. It bought a little of every company in the S&P 500 and then held. Wall Street laughed at them and called it Bogle's Folly. One critic asked, who wants to be operated on by an average surgeon? Now, The fund hoped to raise $150 million and raised only $11 million. Bogle kept going anyway, and index funds became one of the most popular ways to invest in the world. And Vanguard grew to manage more than $10 trillion. Warren Buffett once wrote that if a statue was ever built to honor the one person who has done the most for average investors, it should be Jack Bogle. Now, early on in my career, I wanted to be in stocks. I love stocks. I love tracking stocks. In high school, university, I was tracking stocks all day long, and now I barely even look at individual stocks. I just buy the market. I take the risk in my business, take the money, invest in the markets, invest in ETFs, and let that be the safe thing that continues to grow behind the scenes. Also, if you want to take real action after this video, I made a free worksheet just for you. It has the top lessons from this video, space for your own takeaways, and a simple action plan that you can start on today. Click the link in the description below and go grab it. I'll see you there. Number 5, avoid bad debt. Debt makes you feel richer than you are, right? A loan lets you buy something today with money that you have not earned yet. On a credit card, that interest can add up so How fast did you end up paying far more than the price that was on the initial thing that you bought? When things go wrong, you still have to make those payments. The people who build wealth use debt carefully or they stay away from it completely. By the time Dave Ramsey was 26, he had built a $4 million real estate portfolio, mostly with short-term loans from the bank. Then his main bank was sold and the new owners wanted their money back right away. Ramsey couldn't pay it. And so on September 23rd, 1988, at 28 years old, he filed for bankruptcy and lost almost everything he owned. That experience is what led him to start teaching people how to get out of debt and stay out. He tells them to pay off their smallest debt first, then the next smallest, and he calls it the debt snowball. He built Ramsey Solutions, and his books and radio shows have helped millions of people pay off what they owe. Before you borrow for anything, ask yourself what happens if the payments come due and your income stops for 3 months. I've always been majorly averse to risk. I try to build from cash flow. I try to make money before I'm spending money wherever it is possible. I think it's just Maybe a slower way to grow, but a lot more safe. And I might be a little too risk-averse. But again, the more you can just sell your time for money, make money coming in, and then invest in the company's growth from cash flow that you have coming in, the greater your chances of sticking around and still being here as an entrepreneur. Number 6, keep cash ready for opportunities. So when the stock market crashes, scared investors, they sell, they lock in their losses at the worst possible time. The investors who come out ahead are the ones with cash ready to buy while everything else is on sale. That cash is what lets you act while everyone else is panicking. It only works, though, if you save the cash before the crash. In September 2008, the financial system looked like it was falling apart. Lehman Brothers had just gone bankrupt and banks were afraid to lend to each other. Warren Buffett's company, Berkshire Hathaway, had billions of dollars in cash sitting ready, and on September 23rd, 2008, it put $5 billion into Goldman Sachs. In return, Berkshire got a 10% dividend every year and the right to buy more Goldman shares later. A few weeks later, Buffett wrote in a New York Times that he was buying American stocks, and he repeated his rule to be fearful when others are greedy and greedy when others are fearful. When Goldman bought back the shares in 2011, Berkshire had made $3.7 billion on the deal. Now, on a smaller scale, that means building up savings that you don't touch so you're ready when a bad month or a good deal shows up. Number 7, buy things that pay you. A new car, a bigger house, a boat— they all feel like you're wealthy. Each of them cost you money every month. That you own it in payments, in insurance, in gas, in repairs. A new car also loses value every year that you own it. Rich people put their money into things that send the money back. That means a business or a stock that pays dividends or a property that pays rent. In his book Rich Dad Poor Dad, published back in 1997, Robert Kiyosaki tells the story of his 2 father figures. His own father was a highly educated government worker who struggled with money his whole life. His best friend's father left school young and became one of the richest men in Hawaii. Kiyosaki says the difference was what each of them bought. His rich dad taught him that an asset puts money in your pocket and a liability takes money out of it. The rich buy assets. The middle class buy liabilities they think are assets, like a bigger house. Rich Dad Poor Dad has sold tens of millions of copies. So before your next big purchase, ask one question: will this put money in my pocket or take money out of it? Number 8, own a piece of what you build. So salary stops the day that you stop working for the company. It also has a limit because there's only so many hours that you can sell of your time. Owning part of a business keeps paying you way after you stop actually doing the work and the business, as long as it continues to grow. The value of a business can grow much faster than any raise that your boss can give you. And almost every large fortune in the world comes from ownership. In 1975, Bill Gates dropped out of Harvard to start Microsoft with his best friend Paul Allen. In 1980, IBM needed software for its first personal computer. Gates sold IBM the right to use an operating system called MS-DOS, and he made sure Microsoft kept the right to sell it to every other computer maker too. When other companies started copying the IBM computer, every one of them paid Microsoft. Microsoft went public in 1986. Gates owned about 45% of the company then, and his shares were worth about $350 million. A year later, at 31, he was a billionaire and he was the richest person in the world for 13 years in a row from 1995 to 2007. And this is one of the main reasons why I decided out of university to turn down my dream job being an investment banker to be an entrepreneur. I wasn't gonna make a lot of money. I made $300 a month and I was gonna, own 30% of a company. And even if the most likely outcome was failure, I would rather know and take my shot at ownership than not know. Fortunately, it all worked out. We've told the story a bunch of times on the channel, but if you never take your shot and you never know, then you can have this nagging feeling in the back of your mind, like, what if I just tried a little bit harder? Number 9, live below your means. Every raise is a chance to spend more money, right? If your spending though always rises to match your income, then you never get ahead. It's easy to upgrade your car and your home and your phone every time you get paid Each upgrade doesn't feel like a lot, right? It feels small, but together they eat up your entire raise. Wealthy people let their income grow faster than their lifestyle. So Sam Walton opened his first store in Newport, Arkansas in 1945 and built it into Walmart. In 1985, Forbes named him the richest man in America. He still drove an old Ford pickup truck to work, and when a reporter asked him why, he said, what am I supposed to haul my dogs around in, a Rolls-Royce? He ran Walmart the same way. His executives shared hotel rooms on business trips. He kept the money in the business instead of spending it on himself. himself, and his family became the richest family in America. So the next time you get a raise, save at least half of it before your lifestyle catches up. Number 10, give it away. Money is a tool, and the people who handle it best know what it's for. Giving keeps you grateful, and it keeps money from becoming the whole point of your life. It also reminds you that you already have enough to share. Some of the richest people in history gave away most of their fortunes. The habit though can start small, long before anyone gives you a fortune. Andrew Carnegie came to America from Scotland as a very poor boy. At 13, he was working in a cotton mill for $1.20 a week, and he went on to become the richest man in the world by building Carnegie Steel. In 1889, he wrote an essay called The Gospel of Wealth. In it, he said rich people should use their fortunes for the good of others while they're alive. And he wrote, The man who dies thus rich dies disgraced. And then he lived it. In 1901, he sold Carnegie Steel to J.P. Morgan for $480 million, which is around $18.9 billion in today's dollars. And over the rest of his life, he gave away more than 90% of his fortune, paid for more than 1,600 public libraries across America, and built Carnegie Hall. You can start small. Pick one cause you care about and give something to it this month, even if it's just your time. Make this the year you get your money right. So it's easy to think that money is only for people who are good at math or who grew up with money. You don't need a finance degree or even a big salary to start. Every lesson I talked about in this video works on money you already have and are making each month. So track every dollar, pay yourself first, let compounding do the work, buy the whole market and avoid bad debt. Keep cash ready for opportunities. Buy things that pay you, own a piece of what you build, live below your means and give it away. Those are the money lessons that matter most that they don't teach you in school, and now you know them too. If this is the only money video that you watch this year, make it count. Pick one lesson and use it. And congratulations, you're one video closer to who you're meant to be. Believe. Now let's learn the 10 money rules that will upgrade your net worth in the next 10 years. You don't need multiple streams of income to get rich.

3 wonderful businesses, more than you need in this life to do very well, and 3 of those will be better than Splitting

your focus across 5 different side hustles guarantees that you fail at all of them.

Diversification is a protection against ignorance.

The key resource you have to deal with is your time and how you spend time. So, you know, I'm always trying to make sure that I'm only doing the things that are important.

Well, focusing is saying yes— no, focusing is about saying no.

If you refuse to go all in on your one true genius, you'll stay stuck in the exact same painful place 10 months from now. Bill Gates and Warren Buffett are 2 of the richest men in history. One night they were at a dinner party together. Someone asked them both to write down the single most important factor for their massive success on a piece of paper. They did not look at what the other person was writing, but when they turned their papers over, they had both written the exact same word. So

Bill and I, right after we met, had a group of about 20 write down on a sheet of paper one word that they thought accounted for their success. And Bill and I, who may have only met twice, didn't know what the other one was writing down. We both wrote down the same word, which was focus.

They did not build their wealth by doing 10 things at once. They picked one thing and poured every ounce of their energy into it. Now, you're probably thinking that focusing on just one thing is way too risky. You want a backup plan, but your backup plan is actually a trap. When you give yourself a Plan B, you almost guarantee that Plan A will fail because you don't lack time or resources. You lack the courage to bet on yourself completely. When you finally commit, everything changes. So here are 10 money rules that will force you to focus and skyrocket your net worth. Charge higher prices to fewer people. You think you need thousands of customers paying a tiny amount to get rich. That's completely wrong. Most entrepreneurs are terrified of charging higher prices. You lower your hourly rates because you think it will attract a massive crowd. Instead, you attract people who don't value your time. It is much easier to find 10 customers who will pay you $1,000 than to find 1,000 customers who will pay you $10. If you want to build a half a million dollar business, you need clients who are worth $50,000 a year to you. You don't want to do all the grueling work for clients paying you pennies. You need to upgrade your offers immediately. Harvard Business Review shows that premium pricing actually increases perceived value. Customers respect your service more So if you sell a software product, don't just charge $20 a month and hope they figure it out. Charge $2,000 a month and personally help the clients win massive victories. You get vastly better results. Your clients get vastly better results. You build a highly profitable business that doesn't run you into the ground. This specific pricing strategy leads directly into how you fund your daily operations. Fund your business with clients, not clients. People think that raising capital from venture capitalists is the ultimate goal. Raising capital is a trap. If you get an investor to give you $50,000, they will take half your business. You might make $50,000 just by landing 2 high-ticket clients. When you raise money, you buy a boss, you lose your freedom and your control. The Wall Street Journal reported that 3 out of 4 venture-backed startups fail completely. Your clients should fund your growth. When you deliver massive value, they will pay you gladly. You use that exact money to hire more clients. To build your website and hire your team. You keep all your equity. You stay the owner of your dream. You don't have to report to a board of directors who only care about fast returns. You get to build the business on your own terms. Keeping your equity matters, but you also have to protect your daily time. Stop overdelivering on low-ticket offers. You are spending way too much time on deals that pay you almost nothing. Now, you might overdeliver and spend 40 hours on a 5-figure deal, You undercut yourself and charge $10,000 instead of $40,000. That burns you out and destroys your profit margins. You bend over backwards for people who demand everything and pay nothing. The Pareto principle proves that 80% of your results come from 20% of your effort. You need to stop doing the work that doesn't scale. Serve your premium clients deeply. Let the low-paying clients go. They complain the most and they pay the least. Free up your schedule so you can focus on high-level strategy. Your time is your most valuable asset. When you stop wasting hours on low-value tasks, you open up space for massive income leaps. And once you control your time, you must control your tracking. Track your money like you track your health. You can't improve what you don't measure accurately. Most people treat their finances like it's some mystery. You avoid looking at your bank account because you're afraid of what you will see. You have to stop hiding from your own numbers. If your physical goal is to drop your weight to 185 pounds and live completely pain-free, you track your sleep and your resting heart rate and your weight. You might wear your Oura Ring like I do to monitor your daily readiness score. You treat your physical health like a serious data project. You need to demand real numbers. You need to do the same thing with your total net worth. You look at your bank accounts daily. You track your daily spending. The American Psychological Association calls this the measurement effect. Simply tracking a specific behavior automatically changes that behavior for the better. When you track every single dollar, you instantly stop wasting your money on things that don't matter. You gain absolute clarity and total control over your future. Tracking gives you the hard data you need to build a real system that scales. Build a machine, not just a job. Now, most entrepreneurs just buy themselves a terrible job, right? If you stop working, your income stops entirely. That is not a business. That is a cage. You need to build a machine around your work. So look at your daily systems. You have to ask yourself if your business can generate $20,000 a month if you don't show up to work. Harvard Business Review highlights that process-driven companies scale much faster and survive longer than founder-dependent companies. So document your daily steps. Hire people to do the tedious tasks that you hate doing. Step out of the daily grind so you can focus on the bigger vision. Your job is to replace yourself as fast as possible. Building a machine gives you the ultimate freedom to focus on real relationships and growth. Start a business development show to get referrals. Cold calling is completely dead. You need a better way to network with wealthy clients. One of the things we teach inside of our Movement Makers program is to start a simple video show. Interview the top 50 people in your specific industry, invite them on your show, and tell your story. Nobody asks them for an interview, and when they say yes, that 30-minute conversation turns into a deep relationship. You don't have to be a professional broadcaster; you just have to be curious. LinkedIn data shows that 85% of all jobs and major deals are filled via networking. So don't ask for a sale; ask for the interview. Bring them massive value first. The referrals flow naturally because you build real trust over time. But building that trust requires you to listen more than you speak. Stop giving free advice until they ask. You want to help absolutely everyone. You see a problem and you immediately try to fix it. Giving advice before someone asks creates instant friction. They don't want what they didn't ask for. You push them away when you try to solve a problem they haven't admitted that they have. You need to ask them probing questions instead. Keep asking questions until they finally ask you what you would do in their situation. Psychology Today notes that unsolicited advice Advice is almost always perceived as harsh criticism. So wait patiently for the clear invitation. When they ask you for your help, they are fully ready to pay for your premium solution. You can only guide the people who are truly ready to be guided. This level of patience, though, requires you to narrow your focus completely. Focus on the first 5 clients, not the next 5,000. You're stressing about how to scale to millions of users. You don't even have your perfect 5 clients yet. Stop worrying about massive growth at the very beginning. If you have a high-level program like we have, Movement Makers, figure out how to make it incredibly fun and life-changing for just 5 people. You have to nail the foundation before you build the skyscraper. Kevin Kelly wrote the famous essay 1,000 True Fans. It proves you don't need millions of followers to build massive wealth. If you change 5 lives completely, those people will bring you the next 50 clients. Focus small so you can eventually grow huge. Treat your early clients like royalty. But this type focus requires the right internal motivation. Keep money in your top five, but never number one. If money is your only goal, you will quit when the journey gets hard. Money is a powerful tool. It is the fuel for your car. You absolutely need it, but it can't be your destination. Your main mission has to be bigger than your bank account. You have to have a cause. that you would work on even if you were not getting paid. The National Institutes of Health published studies showing that intrinsic motivation sustains long-term effort much better than external rewards like cash. Put money as your number 2 or 3 on your priority list. Let your true purpose be number 1. You will actually make far more money this way because you won't burn out, and your deeper purpose usually ties directly back to the people you love. Put your family's future before your ego. You are making terrible financial decisions based on how you look to strangers on the internet. You need to stop caring about digital likes and start caring about your real legacy. Look closely at your family. Look closely at your husband or wife. They do not care about your daily view count. They care about the secure life you are building for them. You need to focus on what actually moves the needle for your household first. Pew Research Center states that family support is the primary driver of long-term life satisfaction. and financial stability. So swallow your pride, do the boring work, send the emails, build the true wealth that changes your family tree forever. Your next move. So you have the exact rules laid out in front of you right now. The only thing missing is your absolute commitment to take action. So stop waiting for the perfect moment and start building your real wealth today. Now let's learn Machiavelli's 10 brutal money strategies. If you're broke right now, it's not because you're lazy or because you're not smart enough. It's because the game was designed for you to lose, and nobody ever handed you the real playbook. The Federal Reserve's own data shows the bottom 50% of Americans own just 2.5% of the wealth in the entire country, which means half the people in the richest nation on Earth are fighting over crumbs. But 500 years ago, a ruthless Italian named Machiavelli wrote down the cold, brutal strategies that the powerful were using to win and keep winning. And today I'm handing you 10 of them, because the day you stop playing fair with a system that was never fair to you is the day everything starts to change. Let me tell you about a man named Ronald Read. He grew up dirt poor on a farm in Vermont, so poor that he hitchhiked and walked miles just to get to school. He came home from the war and spent about 25 years pumping gas at a gas station, and then he worked as a janitor JCPenney, sweeping floors for another 17 years. He never made much money in his life. He wore the same old flannel coat held together with safety pins and drove a beat-up secondhand car. So when Ronald Reed died in 2014 at 92 years old, the people in this small town got the shock of their lives. This quiet janitor had left behind an estate worth almost $8 million. He gave $4.8 million to his local hospital and $1.2 million to the library. How does a gas station attendant and a janitor die richer than most doctors. He spent less than he earned. He bought shares of boring, solid companies. And then he did the hardest thing of all— he waited for decades. He let his money quietly multiply while everyone around them spent theirs on stuff that fell apart. He wasn't lucky. He wasn't a genius. He was patient. He was disciplined. And that combination beats a giant paycheck every single time. Now you might be thinking, okay, that's great for Ronald, but I'm living paycheck to paycheck. I can barely cover All right, so how am I supposed to build wealth from nothing left over at the end of the month? Here's what's important to understand. Building wealth on a low income was never about how much you make. It's about strategy. And strategy is the one weapon that doesn't cost you a single dollar. A high income with no strategy goes away. You've watched broke celebrities and bankrupt lottery winners prove that 100 times over. But a low income with brutal discipline strategy compounds into actual real freedom. The amount you start with matters far less than the rules that you're playing by. And most people never learn the rules because the people who profit from you being broke don't want you to. So let me give you the ten moves Machiavelli would hand you if he were sitting here with you today. And fair warning, they're going to feel uncomfortable because comfort is the exact thing that's been keeping people broke. Number one, bet on your skill, never on your luck. So Machiavelli split the whole world into two forces. There's Fortuna. which is luck, the random chaos that you don't control. And he said it rules maybe half of your life. And then there's virtue, the— your skill, your foresight, your decisive action. And that's the half that you do control. Broke people spend their whole lives praying to Fortuna. They wait for the lottery ticket, the inheritance, the lucky break that's going to save them. The strategist does the opposite. You pour everything into virtue and take command of what actually is in your hands. And the very first thing in your hands is information. So start tracking every single dollar that comes in and every single dollar that goes out starting today. Most people who are broke generally have no idea where their money disappears to, and you cannot command an army that you cannot even see. So when you log every transaction for 30 days, you'll find the leaks, the subscriptions you forgot about, the little daily spends that quietly are bleeding you dry. Plugging those leaks is the easiest money that you'll ever make. And it costs you nothing but a little bit of honesty. All progress begins with telling the truth, and that includes telling the truth about your money. And foresight is the part of virtue too. The strategist doesn't just react to the month, he plays the long game. He sees the moves 3 years out and acts on it today while everyone else is only thinking about Friday night. You don't control whether you got dealt a bad hand, but you absolutely do control how you play it. Number two, see the game exactly as it is. Machiavelli's most powerful rule was to deal with the world as it actually is, not as you wish it were. So here is a cold reality: the financial system is not on your side. It is engineered to keep you spending and borrowing because your debt is somebody else's income. Buy now, pay later, zero percent financing, credit card minimum payment. These things are all designed to look harmless while they quietly drain you for years. So you fight back with what I call rich math. Never ever judge a purchase by its monthly payment. Judge it by its full total real cost. The system trains you to ask, well, what's the monthly payment? Because that little number, it hides the damage. The wealthy ask, what does this actually cost me in total? And what could that same money become if I invested it instead? And then you hunt down your high-interest debt and you destroy it like your future depends on it. Every dollar you pay in interest is a soldier that is fighting for the other side. Take those soldiers back. Number 3, build walls of discipline, not willpower. So a brutal truth about human beings that Machiavelli understood 500 years ago is that people are weak under pressure. Your willpower will absolutely collapse the moment when something gets hard, and life always gets That's why he never trusted good intentions. He trusted strong walls. So stop relying on motivation to save money because motivation is the most unreliable thing that you can do on your own. Build the wall instead. The very moment that money hits your account, automate a transfer that pulls a set amount into a separate savings account before you can even think about it. Then make that account painful to reach. No debit card attached to it. Delete the app off your phone. The goal is to make saving completely automatic and makes spending that money a genuine hassle. You pay yourself first before a single bill, before a night out. When the structure does the work, your weak moments can't sabotage you anymore. Number 4, move in complete silence. Machiavelli knew that the moment that you reveal your strength, you paint a target on your own back. The same thing is true with money. The second that people around you, they sense that you've got some, they all want a piece of it. Family starts asking for loans, friends expect you to grab every check, and worst of all, you feel this pressure to prove it with a new car or flashy wardrobe. So you do the opposite of what your ego wants. You build your wealth in total silence. You let your money be present but completely invisible. Drive the modest car for a few more years, keep the quiet apartment, wear the regular clothes. Let your bank account grow while your lifestyle barely changes. The broke person spends to look rich, the strategist looks ordinary on purpose and gets rich for real. Think about Ronald Read again. The whole town thought he was just a poor old janitor right up until the day he died. And that invisibility, that was a superpower because nobody ever came asking for a handout and nobody ever pressured him to keep up. Every dollar you don't spend impressing strangers is a dollar that stands guard growing your army. Let them underestimate you. The quiet Number 5, seize assets. Don't rent out your hours. The 99% trade their time for money, and that's exactly why 99% of people don't get rich. There are only 24 hours in a day. Everybody has the same 24 hours. So when you sell your hours, your income has a hard ceiling no matter how hard you're working. Machiavelli respected those who seized territory and held it. And in the money game, your territory means your time. Yeah. And so you want Is to seize your time. assets, the things you own that make money whether you show up or not. So shares of solid companies like Ronald Read bought, a small piece of real estate down the road, a digital product you build once and sell 1,000 times. This is where the pay yourself first money goes, not into savings account to rot, but into ownership. So stop thinking like a worker who rents out your hours and start thinking like an owner who buys things that pay you. Every dollar you put into an asset is another soldier you send out to work 24 hours a day. And unlike you, that soldier never sleeps and never quits. Number 6, be ruthless about your generosity. This one might sting, but you might need it. Machiavelli warned that generosity given carelessly will bankrupt the giver and breed entitlement in everyone around them. So when you're building wealth or on a low income, you simply can't be the personal bank account for your entire circle. Giving money out of Guilt drains your reserves and also trains people to depend on you instead of building things for themselves. So you give with strategy, not with guilt. Give when it actually builds something, when it lifts someone towards standing up on their own, not when you're being pressured into doing it. Protect your capital the way that the general guards a treasury that funds the entire war, because the thing that people don't say is staying broke so that you can rescue Everybody else doesn't actually help anybody. Get strong first. A wealthy you can help 100 people for the rest of your life. A broke you can't even help yourself, and it definitely can't help them. So it's put your own oxygen mask on first before trying to save the whole plane. Number seven: Build the machine, then master one thing first. So the wise don't chase money around all day. They build a machine that commands money to come to them. Ronald Reed built a quiet machine out of div. Of it in stocks that paid him whether he was awake or asleep. So the goal becomes to build an automated income that doesn't depend on your sweat. But listen to this carefully because a lot of people get this wrong. So don't try to build 5 machines at once when you're starting out. The path to wealth is almost never multiple streams of income. It's not. Look at people's stories. It's not. It's becoming absolutely killer at one single thing. The people who chase 5 side hustles all at the same time usually do 5 of really badly and burn out with nothing to show for themselves. So pick one skill, one asset, one stream, and you master it until it actually pays you. Then and only then you can take that money and start building the next machine. Like the expression goes, one blade sharpened to a razor's edge beats 10 dull blades every single time. Number 8, pay for speed. Here's a strategy that feels completely backwards when money is tight, but it's actually how achievers win. Achievers pay for So when you're broke, your instinct is to figure everything out for yourself for free. But figuring out alone can cost you years and a mountain of actually expensive mistakes. The single smartest investment a low-income person can ever make on their own is into skills and knowledge, is into yourself, because your ability to earn is the one asset that no stock market crash can wipe you out and no thief can ever steal from you. A $30 book or an online course that teaches you a skill which raises your income for the rest of your life is the highest return you can make on earth. It's not even close. Look at it this way. If you spend 3 years struggling alone to learn something an expert could have taught you in 3 months, that lost time isn't free. It's the most expensive thing that you'll ever buy, and you paid for it with time out of your life. So before you try to invest in anything else, invest in your own earning power first. Sharpen the one tool that produces all the others, which is your brain. Number nine, speak like someone who selects, not someone who begs. Machiavelli understood that power is established by how you carry yourself. So show weakness and dependency, and the world will exploit you every time. So watch how you speak about money. Broke people speak like applicants, hoping, asking, begging for a shot. Wealthy people speak like they select, like they're the prize choosing who gets access to. Them. You have to retrain your own thinking and language. When you sit down to negotiate a salary, a rate, a price, a deal, you communicate from a place of authority and calm value, even if you don't have a ton of money in your bank account. So stop saying, I was hoping for, and start saying, well, my rate is. Stop apologizing for your prices. Learn to say a number and then go completely silent and let it sit there, because the person who speaks first in negotiation usually loses. People will always pay more to someone who carries themselves like they're worth more. And remember, raising your income is the single fastest accelerant on this entire list, and it very often starts with nothing more than how you talk about your own worth. Number 10: Strike now while everyone else is hesitating. Machiavelli said fortune favors the bold and that wealth grows in the exact spot where hesitation dies. The number one reason people stay broke for their whole life isn't a lack of money. It's waiting, waiting for more money to start, waiting for more time to start, waiting for the perfect moment that is never ever coming. So let me be as clear as I can on this: don't wait for permission. Don't wait to feel ready because ready is fake. You start with whatever you have in your hands right now. Invest $20 this week. Open the account today. Track your first dollar tonight. Here's how it works: you get rich slowly, and then you get rich suddenly because the slow part only. Ever begins the moment you decide to start. The best time, they say, right, to plant the seed was 20 years ago. The second best time is now. How about right now? The story they'll tell about you. The fact that you're starting with less isn't the thing that disqualifies you. It's actually the thing that's going to make your story pretty remarkable. Ronald Read proved that a quiet janitor can outbuild a millionaire. And if a man with a safety pin that holds his coat together can do it, so can you. You have the ability. So now you have the responsibility to actually To learn the top 9 money-making machines, check the video right there next to me. I think you'll love it. Continue to believe and I'll see you there. You don't need a huge team or fancy office to make money.

In starting the company, I had nothing. I had no income source.

You can do it with one of 9 simple machines. Right now, the US Census Bureau counts 30.4 million women