The Wealth Lessons It Took me a Lifetime to Learn!

Getting rich has almost nothing to do with luck, talent, or where you started.

You will find 10 years from now you have a— that you had a lot more potential than you thought you had today. I mean, this— and you're going to get a chance to use it in this country. You know, you're not condemned to a life that, you know, was ordained by what your parents did before you or something of the sort. It's a wonderful, wonderful system. You can choose.

We all get to choose our life stories, and it's the choices that define us, not our gifts. Find something you love to do and then be great at it.

Not average, not marginal, not good enough. But if you can be great at it, be great at it.

The biggest wealth builders in the world learned a handful of principles that changed how they think, work, and make decisions. First principles analysis, I think, is something that can be applied to really any walk of life, anything really. It's really just saying You know, let's boil something down to the most fundamental principles. The things that we are most confident are true at a foundational level. Every day you're going to be faced with 100 things that you could potentially go do, and your job is to pick the one thing that actually matters.

So the problem with most people is they never decide what they love to do and they don't make a decision to dedicate their life to anything. They just go from one thing to the next.

If you don't learn those lessons, you'll spend your life trading time for money while other people build assets that pay them forever.

I can buy anything I want, basically, but I can't buy time. And so to have time is the most precious thing you can have. I better be careful with it. There's no way I will be able to buy more time. You gotta make money while you sleep. And the only way to do that is understand compounding.

In the next 3 hours, you'll learn how some of the world's most successful entrepreneurs built lasting wealth without relying on luck, talent, or shortcuts. 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. Most people think getting rich requires a lucky break, but it's actually just about gaining specific knowledge. When you start a business and you start to talk about somebody, you're never in a vacuum with no competition unless you're just extremely lucky. In fact, nearly 80% of millionaires are entirely self-made, meaning they built their wealth through learned skills rather than inherited money. Once you lock this in, you can completely rewire your family's history and live entirely on your own terms. Naval Ravikant wasn't born rich. He came to America as a poor immigrant. He worked in catering and delivering Indian food just to get by. But he didn't just wait for luck to happen. He read every book he could get his hands on and learned about tech and investing.

I read everything. I read every magazine. I read every pictograph. I read every book. I read every map.

He figured out that if he built specific knowledge in a brand new industry, he could create massive value. He eventually founded AngelList and invested early in massive companies. He built incredible wealth because he owned a piece of the business, not because he rented out his time. Obviously, we want to be wealthy and we want to get there in this lifetime without having to rely on luck. A lot of people think making money is about luck. It's not. You can do the exact same thing if you stop relying on hope and start building your mind. Right now, you might be thinking that Naval, he just— he got in early and all the good opportunities are gone. You think you missed the boat because you don't live in Silicon Valley or know how to code. But that's not right. It's completely wrong. Every single day, new industries are born. The internet is bigger than ever, and specific knowledge is 100% free to learn if you actually look for it. You don't need to invent the next AngelList to get wealthy. You just need to follow a few core steps to build your own leverage, which I'm about to show you right now. Combine average skills to become unstoppable. Now, you probably think you need to be the absolute best in the world at one specific thing to get wealthy. You watch top athletes or these brilliant inventors and just assume their level of mastery is the only way up. But it's actually not true. You don't need to be in the top 1% of anything to build massive wealth. You just need to build a talent stack. So the concept is simple but incredibly powerful. Instead of trying to be the best at one skill, you become very good at 3 or 4 different skills. And when you combine them, you become completely unique. Look at the creator of the famous Dilbert comic strip, Scott Adams. He openly admits he isn't the greatest artist in the world. He isn't the funniest comedian. He isn't the smartest business expert, but he's in the top 25% of all three of these categories. When he combined his decent drawing skills with his good sense of humor and his corporate business knowledge, he created a comic strip that made him millions of dollars. You can do the exact same thing right now. So take out a piece of paper and write down the skills you already have. Maybe you know a little bit about coding, maybe you're decent at writing emails, maybe you understand basic graphic design. Individually, those skills won't make you rich, but if you can combine them, you can build a highly profitable web agency for small business. You have to stop feeling bad about not being a genius at one thing. Your specific knowledge comes from the unique combination of your average skills. When you stack them together, nobody can compete with you because nobody has your exact background. You become completely impossible to replace. And to find out which skills skills you should actually focus on, you have to look at what you truly love doing, which leads us directly to the most important rule of all. Turn your deepest pain into your ultimate purpose. So you have to follow your passion. You never win doing work that you hate. Society often tells you just to get a safe job and pay the bills, but if you don't love what you do, you'll quit the second things get hard. Entrepreneurship is incredibly difficult. You'll face days when everything goes wrong, and if you're only doing it for the money, you will quit. The people who actually build massive wealth are obsessed with their craft. They do the work even if they weren't getting paid. Now, I've learned this on my own journey. I believe that your purpose comes from your pain. You want to help the person that you used to be. When I was 19 years old, I had a business. I struggled immensely. I was making $300 a month. I felt totally alone, defeated. Because of that pain, my massive passion became helping other entrepreneurs believe in themselves more too. That's why I do this channel. I want to save others from the struggles that I went through. That passion drives me to make videos every single day. And so you can look at your own life and find what you're deeply passionate about. What's a problem that you have overcome yourself? What's a topic that you can read about for 10 hours straight without getting bored? When you follow those passions, it stops feeling like work. You'll happily put in long hours that are required to become a master. You'll outwork everyone else because they're doing it just for a paycheck and you're doing it because it's a purpose. And once you find that passion, the next step is getting your foot in the door with the right people. Work for free to build massive leverage. You might feel stuck right now because you don't have a big network or a fancy resume yet. You think nobody will give you a chance because nobody knows who you are. The solution is called the permissionless apprenticeship. You don't need to wait for a job listing to open up. You don't need to ask for permission to show what you can do. You just need to find someone successful who you want to learn from, identify a problem that they currently have, solve that problem for them completely for free. Let's say you want to be a video editor for a massive creator. Don't send them a desperate email asking for a job. Instead, take one of their long-form videos and edit it into 5 amazing short clips. Send the finished files directly to their inbox. Tell them they can use the clips for free and that you just wanted to add value to their brand. If you do this for 10 different successful people and your stuff is good, you'll get a response. You're proving your worth before you ever ask for a dollar. The strategy works because successful people are incredibly busy. They don't have time to interview unproven beginners, but when you deliver massive value upfront without asking for anything in return, you immediately stand out, you build instant trust, and worst case scenario, they ignore you. But you still got the experience of doing the work. Best case scenario, they hire you, mentor you, and introduce you to their incredibly powerful network. So stop waiting for someone to open the door for you. Build your own door and walk right through it. To actually build wealth from this, though, you have to change how you charge for your work. Stop renting out your time. You're never going to get rich by renting out your time. Even if you earn $200 an hour, your earning potential is completely capped because there are only 24 hours in a day. So if you stop working, the money stops flowing. To build real wealth, you must decouple your time from your income. You have to own equity. Equity means you own a piece of a business or an asset that works for you while you sleep. Wealth is like having a computer program running on a server that serves customers around the world while you're on vacation. So you need to transition your mind from being a wage earner to being an owner. Now, right now, you have the greatest tools in human history to build leverage without needing millions of dollars to get started. Code and media are the ultimate forms of permissionless leverage. You don't need anyone's permission to write a piece of software. You don't need anyone's permission to record a podcast, a YouTube video, or write a blog post. Once you create these assets, they can be duplicated and consumed by millions of people at zero extra cost to you. You can record a video once and it can earn you money for the next 10 years. That's true leverage. So look at your current life and ask yourself, how can you turn your daily efforts into these permanent assets? Stop trading hours for dollars and start building systems that compound your wealth automatically. Play the long game with your reputation. Everything in life that's actually valuable comes from compound interest. This applies to money, but it heavily applies to your relationships and your reputation. So if you want to build massive wealth, you have to play long-term games with long-term people. There are a lot of people who try to get rich quick by scamming others or burning bridges for a quick payout, right? Quick buck. They might make a few dollars today, but they completely destroy their future. When you you play the long game, you realize that your reputation is your most valuable asset. When people know that you're honest, you're reliable, you're incredibly good at what you do, opportunities will magically start flowing to you. You won't have to chase deals because the deals, they start to chase you. This concept is closely tied to the Lindy Effect. The Lindy Effect states that the longer something has survived, the longer it'll continue to survive. The same goes for reputation. If you spend 10 years building a spotless track record of delivering massive value, that reputation becomes becomes completely bulletproof. People will trust you blindly because you've proven yourself over a massive timeline. So you have to stop looking for just the immediate gratification, stop worrying about making a quick buck all the time this month, and start focusing on who you're going to become over the next decade. Treat every single client, every partner, every customer with massive respect. Under-promise, over-deliver. You've heard that, right? Every single time. When you let your reputation compound over years and decades, you'll eventually build this empire that nobody can tear down because your reputation doesn't get torn down. And then the next step is learning how to keep the money that you actually make. Keep your wealth completely invisible. Most people don't actually want to be wealthy. They just want to spend a lot of money to look wealthy to other people. They buy the fancy cars and massive houses, the designer watches, just to prove and show off their status. But playing the status games is actually the fastest way to destroy your wealth. True wealth is actually what you don't see. Wealth is the sports cars you decided not to buy. Wealth is the expensive dinner that you skipped. Wealth is the money sitting in investment accounts, quietly compounding and growing your ultimate freedom. You have to realize that investing money is the gap between the ego of what you want to look like and your actual income. When you stop caring about what strangers think about you, it becomes incredibly easy to save and invest your money. Look at Ronald Read. He was a janitor, gas station attendant who lived lived a very quiet life. When he died, people were shocked to learn that he'd amassed $8 million. He did it simply by investing what he earned and quietly, over decades, making it happen. The highest dividend that money pays is the ability to control your own time. Having money in the bank gives you the freedom to walk away from a terrible boss. It gives you the flexibility to take on a risk or a new business venture without facing total financial ruin. You can't achieve that level of freedom if you're constantly spending every dollar you earn to impress people that you don't even like. So keep your lifestyle completely grounded even when your income skyrockets. But none of this matters if you never take the very first step. Take immediate action on your ideas. The final piece of this puzzle is massive, relentless execution. You can read every book, study every billionaire, master all the psychology in the world. It means absolutely nothing if you don't take action. Most people stay completely stuck because they overthink everything. They wait for the perfect business plan, the perfect camera equipment, the exact right moment to launch. Perfect moment is never going to come. You have to start making moves today, exactly where you're at with exactly what you've got. You build confidence by taking action, not by sitting around and thinking about it. So think about the smallest possible step that you can take right now. If you want to start your podcast, awesome. Don't worry about buying an expensive microphone. Pull out your phone, hit record, start talking. Your first attempt, it's going to be terrible. It's going to suck. And that's perfectly fine. You have to expect to suck at the beginning. I hated my first 350 videos. I couldn't even watch them back, but I just kept going. And it took 700 videos before I finally felt a little bit proud of my work. You build momentum by pushing through the initial discomfort. Momentum is your superpower. It's your superpower in wealth creation. Once you get the ball rolling, it becomes so much easier to keep moving forward. You learn by doing, not by overplanning. The market will give you feedback. You adjust your strategy and you'll get slightly better every single day. So stop waiting for someone to come and rescue you. Stop waiting for permission to chase your dreams. Your entire life will shift 5th, the second you commit to taking relentless, imperfect action every single day. This is the exact moment you need to step up and claim the life you actually deserve. Your time is right now. So you've got everything you need inside of you right now to make this happen. Stop letting fear dictate the size of how far you can go. Step into your power and prove to yourself what you can achieve. You're fully capable of building an incredible life. Law number 1: Money follows value. Money isn't random, it's the reward for solving problems. Wealth is built not on what just excites you, but on what you create that serves others. The more value you deliver, the more dollars will chase you. It's that simple. Think of entrepreneurs like Elon Musk or Sara Blakely. They got rich by fixing pain points for millions. You want money? Stop chasing cash and start chasing problems to solve. When you help enough people get what they want, you'll get what you want. That's a law of the universe. Law number 2: adopt a wealth mindset, not a lottery mindset. Getting rich starts in your head. If deep you believe money is evil or not for people like me, you'll unconsciously push it away. Newsflash: Luck won't save you. 70% of lotto winners blow it and a third end up bankrupt because they didn't change their mindset. Self-made millionaires, on the other hand, think differently. They believe they deserve success and can learn whatever skills wealth requires. So the excuses like, I'm not smart enough, I came from nothing, and replace that with, why not me? Train yourself to see money as a positive force, a tool you can master. Your mind is your biggest asset or liability. Choose to make it an asset. Law number 3: Purpose over profit. But money in your top 5. Money itself isn't the end goal. Freedom, impact, and purpose are. I always say making money is great. It has to be in your top 5. It just can't be number 1. If you chase only dollars, you'll burn out or compromise your values. Instead, chase a mission and use money as motivation. Think of companies like Patagonia or Tesla— mission-driven, but they still prioritize revenue to fund that mission. Here's the balance. Care more about your impact than your income, but respect money enough to plan for it. Money in your top 5 means you price your product right, you monetize your skills, you track your revenue because you know profit powers your purpose. When your why is strong, the money follows. And when the money comes, you push it back into your why. That's how world-changing businesses and lives are built. Law number 4: Pay yourself first. The first bill you pay each month should be to yourself. Before rent, before groceries, invest in your future. Siphon a chunk of every paycheck into savings or investments immediately. This habit needs to become a non-negotiable. Why? Because wealth doesn't come from what you make. It comes from what you keep and grow. It's the classic millionaire habit. Nearly half of self-made millionaires save 20% or more of their income from day one. That requires discipline and delayed gratification, skipping some short-term treats So future you can win. Psychology proves this. The famed marshmallow test showed that kids who delayed gratification ended up more successful in life. The same goes for money. So automate your savings. Treat it like a tax that you owe yourself. If you can't pay yourself, you'll always be paying someone else. Law number 5: Live below your means. I know this sounds basic, but it's amazing how many people ignore it. Don't spend all you earn and definitely don't spend more than you earn. Hello, credit cards. The rich stay rich by living like they're broke. The broke stay broke by acting rich. Studies of millionaires show they're frugal. 64% live in modest homes, 55% buy used cars, nearly all of them vacation cheaply, and 84% refuse to gamble with their money. They aren't clipping coupons for fun. They just know that every dollar wasted is a dollar that can't work for them. So yes, reward yourself occasionally, but don't inflate your lifestyle with your income. Grow into your wealth. Don't blow it. As your earnings climb, keep your expenses in check. This creates a gap. The goal gap that you can invest to generate real wealth. Law number 6: Avoid bad debt, leverage the good debt. There are two kinds of people: those who pay interest and those who earn interest. To get rich, you want to be the second kind. Credit card balances, payday loans, buying a Ferrari on finance— that's bad debt. It will chain you down. The average credit card interest will eat your future alive. So here's your rule: never borrow to buy depreciating crap. Use debt only when it's a tool to acquire an asset that pays you back. In simple terms, an An asset puts money in your pocket. A liability takes money out of your pocket. Your home, for example, can be a liability if it's draining cash. Meanwhile, a rental property or a business loan can be good debt if managed well because they generate income. The rich strategically use other people's money to multiply their wealth, but they respect the risks and have a plan to pay it off. Be very real with yourself. If the thing you want to buy won't earn or save you money, don't go into debt. Debt for it. Law number 7: Let compound interest work. Start investing now. Time is your greatest ally or your worst enemy in building wealth. Every day you delay investing is cash left on the table. Why? Compound interest. The snowball effect of money earning on top of itself. Albert Einstein supposedly called compound interest the 8th wonder of the world. He who understands it earns it. He who doesn't pays it. So here's a quick example. If you invest $1,000 at 10% you'll earn $100 a year. Not bad. But if you reinvest that $100, next year you earn 10% on $1,100, not just $1,000. That's $110. And now you have $1,210. Keep rolling that over, and in 10 years, that $1,000 turns into nearly $2,600 without adding a penny, all from reinvesting on compounding. Start earning, and it's like planting an orchard instead of a single tree. Don't wait for enough money to invest. Even $50 a month invested now beats $500 a month started 10 years later. Small seeds become giant oaks, but you must plant them Law number 8: Create multiple streams of income. One stream of income is one point of failure. If that stream dries up— job loss, one client leaves, industry shifts— your financial life sinks. The wealthy know this, so they build boats with multiple engines. It's often said the average millionaire has 7 streams of income. And while your number may vary, the idea is diversification. It could be a side hustle, investments, rental incomes, royalties, a second business, you name it. In one study, 65% of millionaires had at least 3 income streams, and nearly a third had 5 or more. So start with one strong income. This is where most people get it wrong when they're thinking have multiple streams of income. You don't have 7 all from the beginning because then you will be, you will diversify your energy out of any real wealth. So you start with one strong income, master it, and then add another. Each new stream is a layer of security and a force multiplier for your wealth. Importantly, build active income. So business, career, and passive incomes, which is investments and assets, do them together. Don't rely on a single paycheck for a single customer. Spread your bets and create income while you sleep. Law number 9: Make money while you sleep. That's passive income. If you earn only money when you're personally working, you'll never escape the grind. You need income that doesn't require your constant presence. Warren Buffett said it best: If you don't find a way to make money while you sleep, you will work until you die. And that's not hyperbole, that's, that's reality. Passive income can come from investments like stocks, index funds that pay dividends, rental properties, or from systems that you create— a business that runs without you, or online products or royalties from a product. It usually takes hard work upfront to set up these passive streams, so don't think it's free money. But once they're running, they free up your time. Even having a little extra cash trickle in every month gives you breathing room. So imagine waking up to find you earned $100 overnight. Now imagine $1,000 or $10,000. The goal is to decouple your time from your money. Start building something today that pays you tomorrow, next week, next year. That's real financial freedom. Law number 10: Never stop learning. The moment you think you know it all, your bank account will prove you wrong. The wealthy are students of wealth, constantly reading, attending seminars, picking up new skills. 88% of rich people devote at least 30 minutes a day to learning through reading. They read biographies, business books, industry news— not gossip, not junk. They treat their mind as a million-dollar asset that compounds just like money. If you want to get rich, Adopt a growth mindset. Invest in courses. Find mentors. Seek feedback. My core philosophy is believe. Believe that you can learn and improve. And I try to live this. In the early days, I studied Bill Gates and other successful people to model their strategies, and that learning led directly to my big breakthrough. So ask yourself daily, what can I learn today that will make me more valuable tomorrow? Every new skill or insight is money in the bank, just a bank you can't see. Yet. Stay curious and humble. The more you learn, the more you earn. Law number 11: Your network is your net worth. You can't do it alone, and you shouldn't try. The people you surround yourself with will make or break your success. Jim Rohn famously said, you are the average of the 5 people you spend the most time with. So take a look around. If your 5 closest friends are broke, negative, and complacent, guess where you're headed. Successful people consciously build success circles. They hang out with other winners. One study found the rich intentionally intentionally seek optimistic, goal-oriented peers.

Why?

Because environment matters. Conversations with high achievers will spark ideas, opportunities, and higher standards in you. On the other side, toxic, pessimistic people will drag you down to their level. This doesn't mean cut off loved ones. It means spend time strategically. Find mentors who've achieved what you want. Join entrepreneur groups, mastermind calls, online communities of goal-getters. Upgrade your network and you'll upgrade your net worth.. It's practically automatic. Remember, birds of a feather flock to the bank together. Law number 12: Don't do it alone. Ask for help and mentorship. So pride and secrecy keep people poor. I learned this the hard way. In my startup days, I was making $300 a month and was too embarrassed to tell anyone how much I was struggling. I thought I had to fake success or go solo, and it nearly broke me. The truth is, successful people ask for help all the time. They hire coaches, they seek mentors, they gather teams of advisors. Ego can be expensive. If you're too proud to admit what you don't know, you will cap your growth. In fact, 82% of small businesses fail due to cash flow problems, often because the founder didn't seek financial advice or delegate when they should have. So don't let that be you. Find someone who has been where you want to go and learn from them. And if you're in a crisis, reach out instead of suffering in silence. Don't do it alone because you'll probably fail. You'll quit along the way because it's too devastatingly lonely. The right help at the right time can save your business and your Sanity. Success is a team sport, so play it that way. Law number 13: Reinvest your profits. So when money does start coming in, it's tempting to celebrate. I made it! Let's spend! But the wealthy think differently. They plow money back into growth. Warren Buffett insists on this. When you first make money, you may be tempted to spend it. Don't. Instead, reinvest the profits. Whether it's profits from your business or returns from stocks, feed it back into your wealth machine. This is how small ventures become empires. I did this with my first company. When we landed our first deal, I didn't go buy a car. I poured in to scale the business, which later allowed me to sell and truly cash in. Reinvesting is how Buffett turned a pinball machine side hustle into a stock portfolio. Each round of profits bought more assets, which produced even more profit. It's a cycle: earn, invest, earn more. On the flip side, if you spend all you make, you kill the compound growth and go back to zero. So celebrate your wins, Yes, but then put that money back to work. Delay the gratification a little longer and watch your wealth snowball. Law number 14: Take calculated risks and embrace failure. No risk, no reward. It's a cliché, but it's true. Getting rich will require you to step out of your comfort zone. So start that business, invest in that property, pitch that big client, even when there's no guarantee of success. In fact, you will screw up along the way, and that is okay. 63% of millionaires admit they took risks and failed at least once in business. But here's the difference. They didn't see failure as the end. It was just data. They learned and kept moving. As the saying goes, winners are not afraid of losing, but losers are. Failure is part of the process of success. People who avoid failure also avoid success. And that was one of the hardest lessons for me. I was afraid to look stupid, to ask dumb questions, to lose money on a strategy that might not work. But every failure— eating beans for lunch for years, failed product launches, interviews that tanked— that taught me something that eventually led to a huge win. So don't be reckless. Fearless, do your homework, and take calculated risks. But when you feel fear, don't let it stop you. Often that fear is a sign that you're on the right track. Bet on yourself, and if you fall, get back up smarter. Law number 15: Be patient. Wealth takes time. We live in a world of instant gratification, but building real wealth is a long game. Too many people try one thing for 6 months, don't become millionaires, and then quit or jump on to the next fad. Don't fall for the get-rich-quick trap. The truth is most millionaires get rich slowly. In one study, 80% of millionaires were over 50. It took them decades of consistent effort to hit 7 figures. Saver investors took an average of 32 years to reach millionaire status. Even fast-track entrepreneurs took 12 years on average. The media loves to highlight the 22-year-old crypto billionaires, but that's the exception, not the rule. Embrace the process. Commit to the long haul. This doesn't mean it has to take 30 years for you. The timeline can accelerate with smart decisions. Decisions, but it won't happen overnight. Set longer-term goals and keep grinding. Remember, compound interest needs time to work its magic. That's Law Number 7. Each year you persist, your knowledge, your network, and your assets compound too. Patience isn't just a virtue in wealth building, it's a strategic advantage. Law Number 16: Leverage. Multiply yourself through others. Here's a harsh truth: you will never get truly wealthy trading only your own time and effort. There are only 24 hours in a day and only one of you. The rich scale up by leveraging other people's time, their talent, their resources. That means hiring, delegating, automating, Building a team and systems that make money even when you're not personally doing the work. So I learned this in running my YouTube channel. For years I was in front of the camera, I was behind the camera, I was doing everything myself, and I was hesitant to spend money on help. I grew up without a ton of money and maybe I was too cheap at first, but once I hired my first part-time editor, boom, I went from one video a week to one a day, which then brought in more money. Leverage. Similarly in business, the moment I started bringing in partners and employees who are smarter than me in their areas, our growth started to explode. According to research, over 80% of millionaires rely on a team of smart people— attorneys, accountants, advisors— to help achieve their vision. So ask yourself, what tasks or expertise can you leverage from others to scale up? It could be as simple as hiring a virtual assistant for $10 an hour to free you up to make $100 an hour, or partnering with someone who has skills or contacts that you lack. Yes, it can cost money to hire good people, but not hiring when you need to is far costlier. Build your dream team. Law number 17: Take action. Speed beats perfection. The money goes to those who do, not those who wait. One thing I see holding entrepreneurs back is analysis paralysis. They plan and polish and procrastinate, and opportunities pass them by. The wealthy have a bias for action. They do the best research they can, then pull the trigger. Jeff Bezos calls it the bias for action and credits much of Amazon's success to it. Warren Buffett calls unnecessary waiting thumb sucking and pushes himself to make decisions swiftly when he has enough facts. The The point is, you can't steer a parked car. You have to start moving. Want to invest in stocks? Open the account and put in a small amount today. Learn as you go. Have a business idea? Launch a simple version of it right now, even if it's not perfect. You will refine through real-world feedback. Money loves speed. Not reckless, stupid speed, but the momentum that comes from decisive action. Action precedes clarity. So the law is, do it before you feel 100% ready. An average plan executed today beats a perfect plan never executed. Start, stumble, learn, adjust. But start. Law number 18: Know your numbers. Track your money. You wouldn't drive a car blindfolded, right? So don't drive your finances that way too. Ignorance is extremely expensive. Wealthy people are keenly aware of their numbers. They know their income, their expenses, their profit margins, their tax liabilities, the investment returns, at least the key figures at all times. You need to become the CFO of your own life. You make a budget, update it regularly, and review where your money is going. You can use apps or spreadsheets, chalk on a board, whatever works for you, but track it. If you're an entrepreneur, this is even more critical because poor cash flow management kills 82% of small businesses. When I started, I used Microsoft Money software to track my business finances, and my early accounting was a total disaster until I learned how to prioritize it. And once I did, I found ways to save on taxes and get unexpected refunds that boosted my cash flow. That's the reward for paying attention. The law here is what gets measured gets managed. When you track, you naturally start optimizing. You spot wasteful spending, you find opportunities to save or invest, and you avoid nasty surprises. So open those bank statements, know your credit score, set a weekly date with your money. Yes, I'm serious. Your bank account should never be a mystery. Law number 19: Give and you shall receive. This might sound more spiritual but it's hard no success strategy too. Generosity breeds prosperity. The wealthiest people I know are givers. They donate to charities, they mentor others, they create opportunities for the people that are around them. Why? Because what you put out into the world comes back to you multiplied. Zig Ziglar said it best. You can have everything in life you want if you will just help enough other people get what they want. And it's true. When you operate from a mindset of service and generosity, with generosity, you build an army of allies. People open doors for you. Clients refer to you. Your reputation starts to shine. Even on a practical level, generosity expands your network and skills. So volunteer in an organization and meet influential people. Mentor someone, and you often learn from the teaching. Also, giving keeps you humble and hungry. It reminds you that wealth has a purpose to improve lives, including your own. And here's a little secret: giving money away can actually make you feel wealthier. It breaks the fear that money is Scars. Of course, be smart. Don't give beyond your means, but make generosity a line item in your life. It could be money or time or knowledge. Nearly 3 of 4 millionaires in a study volunteered at least 5 hours a month, and many actively mentored others. Coincidence? I don't think so. The more you give, the more you grow. It's a law. And law number 20: stay humble and stay hungry. Money is a moving target. The game doesn't end when you hit some magic number. To not only get rich but to stay rich, you must keep your ego in check and your drive alive. Success can be a sedative. The The moment you think I've made it, you start to slip. Remember Bill Gates's warning: success is a lousy teacher. It seduces smart people into thinking they can't lose. So don't fall for that trap. The greats, the, the Buffetts, the Oprahs, they never stop learning. They never stop pushing. They act like beginners even when they are masters. For me, the belief game never ends. Despite all the subscribers and the business, I still wake up as a student. I still want to get better every day. So celebrate your wins, yes, but stay curious and grounded. Keep setting the next goal, setting the next challenge, and importantly, stay grateful. Humility also means recognizing the role that others have played and some luck in your success. It keeps you from doing something dumb and losing it all out of arrogance. The hungry, humble entrepreneur will run circles around the complacent one who's resting on his laurels. Money has a way of disappearing from those who take it for granted. So no matter how well your doing. Adhere to these laws. Keep growing, keep giving, and keep believing. A quick final thought: you've just learned 20 laws, but knowledge alone won't change your life. Action will. Pick one law today and start living it. Maybe it's setting up that savings account. Maybe it's calling that mentor. Maybe it's finally launching that product. Remember, every big success is just an accumulation of small, consistent wins. You showing up for this, absorbing these strategies— that already sets you apart from the masses who are still looking for easy answers. And so I want to acknowledge you for, for being here right now and investing in yourself. Now get out there and do the work. Apply these laws and build the wealth and life that you deserve. You're not broke because of the economy or bad luck. You're broke because you keep stepping into the same 10 money traps. While other entrepreneurs are quietly getting rich by avoiding these mistakes, you might be repeating them without even realizing it. And if you don't fix this, a year from now you'll still be stressed about money, hustling hard with nothing to go for it, wondering why you're not winning. Just look at the proof. Ever hear about lottery winners going bankrupt? Roughly 70% of big lottery winners end up broke within a few years. Jack Whittaker won a $315 million Powerball jackpot and lost it all in a few years. He even said the money destroyed his life. Why? Because money isn't the answer if you haven't fixed the habits that keep people poor. If you got $1 million today but carried on with the same bad behaviors, that money would vanish. I had to learn this myself the hard way. When I was 19, I had my first company. I was making $300 a month. Imagine working more than full-time and not being even able to afford rent. That was me. I felt worthless. I hit my breaking point at a family event, and I told my business partner I quit. I broke down crying, snot-nosed, uncontrollable tears, because I felt like I just didn't have what it takes. But the very next morning, I woke I woke up and something snapped. I realized I hadn't earned the right to quit because I hadn't tried everything. I thought, has someone figured this out before? And turns out Bill Gates had built a software company from nothing. So I decided to model how he did it. I stopped feeling sorry for myself and started learning from someone who'd already won. And you know what? Within a short time, I closed a $13,500 deal and jumping from $300 a month to a $13.5K check. In my head, I felt like a million millionaire, but more importantly, I had proof that if I changed my approach, I could change my results. I went from almost giving up to finally getting momentum. Now, maybe you're thinking, Evan, it's not me, it's just, it's a tough market, or I already know this stuff.

Wrong.

That thinking is a trap by itself. I've coached thousands of entrepreneurs, and the ones who stay broke always point fingers at the economy, their competition, anything but themselves. The winners, they take responsibility. They look in the mirror and they fix what's holding them back. So drop the excuses, at least for this video, and really listen. Even if you think you've heard it all, I guarantee there's at least one trap on this list you're caught in right now. And if you could eliminate it, it could mean the difference between scraping by and actually building real wealth. So let's do this. Here are 10 money traps that will keep you poor and how to break out of each one. Trap number 1: scarcity mindset. This is the fear of spending money or taking risks, the impulse to hoard every dollar. You tell yourself you can't afford to invest in growth, so you do nothing. And ironically, that guarantees you'll always be short on money. Here is your truth. Money is a tool, not a trophy to tuck under your mattress. If you're too afraid to use it, you'll never have more of it. Think about it. If a farmer refuses to plant seeds because he's afraid of losing using them, he'll never get a harvest. It's the same with your money. Sitting on it due to fear is a sure way to stay broke. Successful entrepreneurs have an abundance mindset. They invest in themselves and their business confidently. Even when I was struggling, I forced myself to invest in help. I hired someone for just an hour a day to take over tasks that he was better than me at so I could focus on higher-value work. Did it cost money I felt I didn't have? Yes. But freeing up that hour led to more growth and more money. The scarcity-minded you would never have done that. That you stays stuck. So here's your action step. Next time you're scared to spend on something that could grow your business— a course, a tool, an employee— remember, avoiding calculated risks is the riskiest move of all. If you want this year to be different, you have to loosen the grip, invest in your growth, or remain forever a servant to pennies. Chapter 2: Believing money is not important. I don't care about money. I do it for passion. It sounds noble, right? It's also a recipe for staying being poor. I'm all about mission. My channel exists to spread belief. But if you don't make money, you can't keep going. Some entrepreneurs wear burnout and poverty like a badge of honor, as if making money would taint their purity. That's nonsense. Money is oxygen for your business. If you ignore it, your dream dies. I had this blind spot myself. At a mastermind, my peers told me, Evan, we want to pay you more, but you haven't given us a way. It hit me that I was so focused on service, I hadn't built monetization into my and I used to say, "I'll do it for free if I have to." And I meant it, but that mindset was holding me back from scaling my impact. I learned that money can't be your number one motivation, but it must be in your top five. If your mission really matters, you owe it to yourself to fund it properly. Think of money as the fuel or the gasoline that you have on your fire. More fuel, bigger fire. Does running on fumes make you a martyr? No, it makes you a struggling amateur who might have to quit to quit their dream and go back to a day job. So your action step is start respecting money. Charge what you're worth. Create offers and products that bring in revenue, not because you're greedy, but because revenue equals longevity, equals impact. Money in your pocket means you get to keep serving, keep improving, keep living your purpose. Breathe life into your business by embracing profit not as the goal, but as the means to amplify your goal. Trap number 3: the get-rich-quick illusion. This one is deadly because it seduces you with flashy promises— crypto schemes, meme stocks, guaranteed 6 figures in 30 days courses. If you're chasing those, you're running on this hamster wheel, right? The reality is almost nobody wins that game. Studies show that over 97% of day traders lose money over time. Did you hear that again? You think you're the exception? The odds say that you're not. Trying to get rich quick is like trying to sprint in marathon. You burn out or collapse financially. Wealth built fast rarely lasts. Look at the dot-com bust. Look at the crypto crashes. Fortunes made in months disappeared overnight for those who didn't have solid fundamentals. And psychologically, the more you chase instant rewards, the more you wire your brain for short-term thinking. Remember the famous Stanford marshmallow experiment? Kids who resisted eating one marshmallow immediately to get two later ended up with better grades, better jobs, and way more success decades later. Why? Because delayed gratification is a superpower. It means you can sacrifice now for a greater pay off later. If you lack that, you'll always snatch at pennies and miss out on dollars. So your action step: commit to the long game. If you catch yourself saying, why am I not rich yet? I need a shortcut. Slap yourself, right? Figuratively decide to get rich for sure, but not to get rich quick. Build real value, develop skills, put in the reps. It might take longer, but when you get there, you'll stay rich. Every overnight success you admire took years of unseen work work. Keep that in mind every time you're tempted by the next hot opportunity. Top number 4: stagnating your learning. The moment you think you've arrived or I know enough, you're done. The world is changing faster than ever. This year will belong to the innovators, the learners, the adapters, the tinkerers. If you're not obsessed with learning, you will be left behind. Maybe you've got a degree or some experience and you think I'll tell you what I discovered. My business degree was practically useless when it came to real entrepreneurship. In my senior year at University of Toronto, I finally got a class on entrepreneurship, on small business, and the professor had never even run a business himself. While my classmates played it safe with case studies about fake coffee shops, I was out there running a real company at the time and struggling, and none of my professors could help me. I learned more from YouTube shows than an entire semester of learning. Lectures. That's how out of touch formal education was with entrepreneurship. And guess what? Today the best teachers are on YouTube or podcasts or forums— people actually in the game sharing their up-to-the-minute insights. If you're not tapping into that, you're choosing ignorance. Meanwhile, technology is exploding— AI, social platforms, shifting market trends. You can't rely on what worked in 2016 or 2023. You need to be upskilling constantly. Read Books, take courses, follow industry leaders, watch YouTube videos, experiment with new tools. The top CEOs read dozens of books a year, always hunting for one idea that gives them an edge. So your action step: schedule daily learning. Yes, daily, even 30 minutes of reading or watching a YouTube video or tutorial. Adopt a beginner's mindset. Assume that there's always something that you don't know, because there is. This year, ignorance will cost you more than ever. But if you keep learning, you won't just make more money, your future proof your success. Trap number 5: lifestyle inflation and looking rich. This trap is sneaky because society will clap for you while you fall into it. You make a bit of money and you immediately upgrade your lifestyle— bigger apartment, nicer car, expensive gadgets— to look successful. After all, you deserve it, right? Here's the problem: when your income goes up, if your spending matches it, you're not growing wealth, you're just on a nicer treadmill treadmill now. I've seen entrepreneurs make $100,000 in revenue and spend $110K trying to appear like ballers. The math doesn't work. Even multimillionaires go broke from this. 78% of NFL players are either bankrupt or under serious financial stress within 2 years of retirement. These are people who earned millions per year, and 60% of NBA players are broke within 5 years of leaving the league. How is that possible? Lifestyle inflation. They felt like they had to flex Lamborghinis and jewelry, spend like kings, help every second cousin and old friend who asked, and they blew their money. Wealth is silent. Poverty is loud. If you're spending money to prove to others that you have money, that's a fool's game. Real millionaires are investing into assets, not liabilities, to stunt on Instagram. They're not buying depreciating toys on credit. They're reinvesting in their business and stocks and real estate, things that make money while they sleep. Meanwhile, the spenders stay one hiccup away from complete disaster. So your action step: cap your lifestyle. Pick a modest baseline and stick to it as your income grows. Instead of a fancy car, get a fancy investment portfolio. Let your results do the talking, not, uh, your Gucci belt. This year, economic ups and downs will hit the flashy spenders hardest. Be smart now so you're not selling your luxury junk later to pay your rent. Remember, you're building empires, not trying to look like a king for a day. Trap number 6: Doing everything yourself. The one-person army, the solopreneur who refuses to delegate. That mentality will keep you broke and exhausted. You might think you're saving money by not hiring, not outsourcing, not partnering, but you're actually stealing from your own future. Why? Because you're capping your growth to the hours that you personally can work. There are only so many hours in a day, and if you insist on being the hero who doesn't at all, you will burn out before you ever build real wealth. I'll share a quick story. I met a YouTuber with 6 million subscribers, had a huge audience, and he had just hired his first virtual assistant because until then he'd been doing everything himself. The editing, the thumbnails, the emails, all of it. This guy was a rock star on the outside, but behind the scenes he was drowning in busywork. It blew my mind and it reinforced one of my core beliefs. You have to build a team if you want to go from just wrestling to actual enterprise. And again, nobody does it as good as you, right? And paying others feels like a luxury when money's tight. But not hiring help when you're overloaded is a trap. Think about it. If you spend 10 hours a week doing $10 an hour tasks, that's $100 of value. If you paid someone $10 an hour to do it, that's $100 out of your pocket. But those 10 hours could be used to generate $1,000 of value or $10,000 doing higher-level strategy, sales, product development. So action step: identify the one task that consumes your time and someone else do at half your rate or better, outsource it this month, even for a trial run. Start small if you have to hire a freelancer for 5 hours a week. Your future self will thank you as you find yourself with more time to make real money. Remember, businesses are built by teams, not lone heroes. You're not just an entrepreneur. Become a leader of people, even if it's one part-timer to start. Trap number 7: Never asking for help or advice. Pride. Pride, fear of looking stupid, I have to figure it out on my own. These attitudes will silently rob you of your success. Listen, every great entrepreneur that you admire had mentors, coaches, advisors guiding them. Steve Jobs had Bill Campbell. Zuckerberg had Steve Jobs. Gates had Buffett in his corner. Meanwhile, you're over there Googling or ChatGPT for hours, just flailing in silence because you're too proud or too shy to ask someone who's been there for help. And I struggle with this too. I'm an introvert. I don't like bothering people for years. Asking for help was my biggest weakness, probably still is. I thought I had to do everything myself, back to chapter number 6. But once I started seeking guidance, everything started to change. I joined the mastermind group, I reached out to entrepreneurs I looked up to, and very often people are willing to help. 84% of CEOs say that having mentors prevented them from making costly mistakes, and 69% of them made more profitable decisions thanks to mentor guidance. That's data. Even the top of the top lean on mentors to fast-track their learning. If the highest performing performers can benefit from advice. Why on earth would you try to wing it alone? It's pure ego or ignorance. Both will keep you broke. So action step: swallow your pride and actively seek out mentorship. This could mean reaching out to someone in your field that, that you respect with a specific question, joining a local entrepreneur mastermind or meetup group, or even just posting your challenge in a community of your peers. Not asking is a guaranteed no. The worst that can happen is someone says they're too busy. So So what? Move on to the next. When I was stuck early on, I could have saved so much time if I had just asked someone who'd already built a business for advice instead of assuming the bank would help me or suffering in isolation. Don't let your pride or your fear keep you ignorant. This year, make it a rule. If you don't know, ask. Save yourself years of trial and error. Your net worth will often depend on your network. So start building one that can guide and inspire you. Trap number 8: waiting for the savior or a sign. This one's a bit counterintuitive. It's when you wait for an outsider to rescue you— a bank loan, an investor, the perfect moment— instead of creating momentum yourself. It's the mindset of, if only I had X, then I would succeed. And I see entrepreneurs fall into this trap all the time. They think a big investor is going to suddenly appear or write them a check, or a bank will just toss them tons of money because they had the courage to start a business. I made this mistake myself at 19. I walked into a I went into a bank, my head was held high, and I said, "Hi, I'm starting a business. How can you help me?" Expecting them to be as excited as I was. And the banker basically laughed me out of the door. They told me no loan without 3 years of history or huge collateral. I left feeling crushed, like, "Oh my God, I'm going to fail. This is ridiculous." For a minute, I thought maybe that was it. Maybe I wasn't meant to be an entrepreneur if even the bank didn't believe in me. I realized nobody's coming to save you. That rejection was actually a gift because it forced me to get creative. Many people would have quit right there. In fact, a lot of new entrepreneurs do quit after their first big rejection or failure. They take it as a sign that it wasn't meant to be. That's the trap. The truth is, setbacks are normal. Rejection is normal. Waiting around for perfect conditions or someone else's money is a loser's game. If I had waited for an investor or kept begging banks, I'd still waiting. Instead, I bootstrapped. I cut expenses. I hustled for sales. We made alliances. Remember the idea of modeling Bill Gates's partnership strategy? Eventually, I didn't need the bank's money. My business funded itself. So your action step: whatever you're waiting for, stop waiting. Start doing. If you think you need funding, challenge yourself to launch a smaller version of your idea with whatever resources that you have right now. Prove that it works. Get some traction. If you're waiting for the economy to improve. Find a way to serve people in this economy right now. If you're waiting for permission or validation from some expert, give yourself permission. This video is your permission. The only savior you need is the person in the mirror. No more waiting for someday or someone. Successful people start before they're ready, and they trust that they'll find out what they need along the way, not upfront. Trap number 9: not managing Managing your money. Look, it doesn't matter how much you make if you can't manage what you have. Plenty of entrepreneurs have high income and still end up broke because they don't know where their money is going. Ignoring your finances is a huge trap. Maybe you find it boring— spreadsheets, budgets, taxes— so you avoid it, or you assume your cash flow is fine because sales are coming in. That's a big mistake. According to a US Bank study, 82% of businesses fail due to poor cash flow management. Management. That means almost 8 out of 10 businesses don't die from lack of ideas or even lack of customers. They die because the owners weren't on top of the money moving in and out. They run out of cash and boom, game over. You must know your numbers, your monthly expenses, your revenue, your profit margins, your, your burn rate. If you're burning savings, all of it. When I started making a bit of money, I hated accounting. So you know what I I didn't ignore it. I delegated it. One of the first things I let go of was doing my own books because I knew if I tried to handle it while hating it, I'd probably screw it up. I used Microsoft Money software to automate what I could, and as soon as I could, I hired a part-time bookkeeper. I kept an eye on everything, but I left someone who loves numbers handle the details. So that key point is I respected the numbers. You need to respect your numbers too. If you're not a finance person, fine. But the excuse, I'm not good at math, doesn't fly when your business goes under. So action step today, make a simple financial dashboard for yourself. Track your monthly income, the expenses, your net profit. At the very least, you can use a spreadsheet, an app. I don't care. Just have visibility on it. Set a weekly date with yourself, Money Mondays, for example, to review and update your finances. Find one expense to cut or optimize and one area to potentially invest more in. And please separate your personal and your business finances, right? Pay yourself a salary or draw so you're not constantly mixing your funds and losing track of what's what. When you know your numbers, you can control them. They don't control you. Master this and you won't wake up one day surprised that you're out of cash. Instead, you'll wake up building true wealth systematically. And trap number 10, quitting too too soon. The only guaranteed way to fail is to give up, right? Cliché, maybe, but it's cliché for a reason. It's true, and most people still don't get it. Quitting early is the ultimate wealth killer. Every entrepreneur faces pain and doubt and darkness on the road to success. Those who push through eventually see light. Those who quit stay in the dark forever. And I nearly fell into this trap myself. As I told you, I almost quit my business in the first year when nothing was working. If I I stayed quit, you probably wouldn't know my name. I'd be working some job that I hate right now, and none of the impact I've had would exist. I was this close to that reality, and it scares me how many people's success stories end early because they walked away right before the breakthrough. It's digging for gold. Most people stop 3 feet from gold because it's taking longer than they thought. I say keep digging. Often the breakthrough comes just when you're at your lowest and ready to quit. If you give it one more big push after I decided to stick with my business and model Bill Gates. Our first win, that $13,500 deal, it came in not long after. That wasn't a coincidence. It was my persistence being rewarded. And it taught me that a failure is just an event. It's not the end unless you make it the end by quitting. I try now to use my almost quit story to coach others that quantity leads to quality. You have to put in the reps to churn through the failures to get to the success. If you bail after a handful of tries, you never develop mastery. You never hit the tipping point where it starts to rain money. So your action step is make a commitment this year that you won't quit on anything important out of frustration or fear. If you're going to quit something, quit making excuses, but don't quit on your dream. Whenever you feel like giving up, remember why you started and picture yourself one year from now if you keep going versus if you stop. And use the pain of potential regret as fuel, because if you persist through 10 failures, you might find success on number 11. But if you quit after 3, you've guaranteed failure. So keep going, adjust your strategy, learn from the setbacks, reread chapter number 7 about asking for help, but keep going. Persistence is undefeated in the long run. Winners are just ex-losers who refuse to quit. And most importantly, don't just watch this video passively. Do the work to call yourself out and improve. Most people won't even admit they have flaws to fix. You are. That already sets you apart from the masses who will just let another year go by and live in the reruns of the same mistakes. Now it's on you to take action. Knowing these traps is step one. Doing something about them is step two. You've got this opportunity right now to set new habits, a new standard for how you handle money and success. So take it. Your busy calendar might be a massive warning sign that you're failing as an entrepreneur.

I just flip through it and, you know, there's, there's practically nothing in it. You've got to keep control of your time, and, and you won't keep control of your time unless you can say no.

I think it's the secret to all of my success.

I have calendar anorexia.

I want as little in my calendar as possible. I'm meticulous about it. You got to be very careful if you're somebody who feels like you're busy all the time to understand that busyness can become a habit and busyness can become your biggest excuse. Warren Buffett creates massive wealth because he uses 3 completely different daily habits to protect his focus and reject 99% of requests.

Focus has always been a strong part of my personality.

When he came to Columbia and spoke to the business school, the very last question that was posed to him was what his secret was. And he had this— I'll never forget it— he had this giant pile of paper and he pulled it out. It was a complete hodgepodge and said that he reads 500 pages a week. And anyone can do it. And, you know, it's like compound knowledge. If you start today. It would just build over time.

I just read and read and read. I probably read 5 to 6 hours a day. I like things quiet. I shut the door actually at the office because I don't want to hear anybody talking outside. I still probably spend 5 or 6 hours a day reading and, and, and, or thinking while I read.

If you don't aggressively take control of your time right now, you'll become a prisoner to other people's priorities and never build the empire that you deserve.

I'd buy anything I want, basically, but I can't buy time. And so to have time is the most precious thing you can have. I better be careful with the demand. There's no way I will be able to buy more time.

You have to prioritize your time really carefully. Your time is limited, so don't waste it living someone else's life. Years ago, Bill Gates thought being productive meant packing his schedule. He booked his calendar down to the minute. Then he looked at Warren Buffett's personal pocket calendar and was shocked. I also remember Warren showing me his calendar and—

Oh, I love this.

You know, I had every minute packed and I thought that was the only way you could do things. And, you know, the fact that he is so careful about his time—

Can I show this to the audience? Yeah.

There are days that there's nothing on.

This is the week of April, of which there are only 3 entries for a week.

Warren explained that you control your time, and sitting down just to read and think is far more valuable than rushing to another meeting. He built a $130 billion fortune mostly by sitting in a quiet room, completely ignoring the busy culture everyone else falls for. Now, right now you might be saying, hey, well, that's easy for Warren Buffett to have a blank calendar. You think you got to hustle 15 hours a day to keep your head just above the water. You feel like if you stop grinding, you'll lose everything. But constantly grinding is exactly what keeps you stuck. Buffett didn't buy his freedom after he got rich. He acted like his time was priceless long before he made his first million. I'm going to show you the 3 exact things he does every single day that you can start doing right now to take back your time. The 25/5 Focus Method. Okay, you want to be successful. You've got massive goals for your life. You have a huge list of projects that you are trying to complete. You're trying to build a business. You're trying to grow your YouTube channel, you're trying to get in shape, you're trying to invest your money. You think that working on 25 different things at once makes you a hard worker. You think juggling all these priorities proves that you're dedicated. Warren Buffett completely disagrees with you. He believes that chasing too many things is exactly why you're failing. He uses a strategy called the 25/5 rule. The story goes that Buffett was talking to his personal pilot. He told the pilot to write down his top 25 career goals. The pilot made list. Then Buffett told him to circle his top 5 most important goals. The pilot circled his top 5. He told Buffett that he would focus his main energy on the top 5. He said he would work on the other 20 goals when he had some spare time. Buffett looked at him and said, no. He said, those 20 goals are now your avoid at all costs list. If you don't completely ignore those 20 goals, they'll destroy your chances of success. They'll steal your time. They'll drain your energy. You'll never achieve the 5 things that actually matter. You're probably doing this right now. You're spreading your energy so thin that Nothing gets your full attention. You have a massive vision for your life, but you're getting zero results because you refuse to focus. So you have to realize that good is the enemy of great. You might have 20 good ideas, but pursuing those good ideas is exactly what stops you from executing your 5 great ideas. So you have to cut away the distractions. You have to be willing to ignore things that you do care about just so you can win the things you care about the most. Your brain It's going to tell you that you're missing out. Your brain will give you really smart reasons why you need to keep all your options open. But all that happens is you stay stuck. You have to learn how to say no. If you don't ruthlessly cut your goals down, you'll always be average. You'll never reach your full potential. You'll watch other people pass you by because they had discipline to focus. So you have to stop treating your focus like it's inevitable, like it's a cheap commodity. It's the most valuable asset that you own. If you want to know exactly how to do this, you need to build your avoid at all costs list. Building your avoid at all costs list. Okay, so how do you actually do this? You have to write down your list today. Write down every single project that you're working on. Write down every goal that you have for the next 5 years. Look at that list. It's probably huge. Now force yourself to pick just 5. This is gonna hurt. You wanna pick 10. You're gonna try to negotiate with yourself. Don't do it. Warren Buffett says don't do it. Pick exactly 5. Take the rest of your list and put it in a drawer. You aren't allowed to look at it or touch it until you succeed at the top 5. You have to protect your attention like like it's your most valuable asset. The wealthiest people in the world are extremely aggressive about what they ignore. If you want to make millions of dollars, you must ignore almost everything. You have to cancel projects. You have to say no to people. Every time you say yes to a distraction, you're delaying your ultimate success. Your 6th most important goal is your biggest enemy. You like it just enough to spend time on it, but it won't ever give you the massive success the top 5. When I joined my first software company at 19 years old, I was struggling. I didn't know what to do. I had to focus entirely on modeling success. I studied how Bill Gates started Microsoft. I applied his exact strategy to my business. It landed me my first deal for $13,500. It only worked because I ignored everything else. I focused on one specific model and put all my energy into it. You have to do the same thing. Find your top priority. Commit to it completely. People will invite you out. They'll pitch you new business ideas. They'll ask you to join their exciting new startup, right? You have to tell them no. It's going to feel uncomfortable. Uncomfortable. People might even get mad at you. Let them be mad. You can't let other people dictate where your time goes. If you don't take control of your schedule, somebody else will happily take it from you. You're built to serve a specific purpose, and you can't do that if you're constantly distracted. So you have to stay laser focused on your top 5. But focus alone won't make you rich. You need to know exactly how to compound your value, which brings us directly to Warren Buffett's second daily habit. The 500-page knowledge habit. Once you have your focus, you need to execute. Warren Buffett spends up to 80% of his day reading. When a student asked him how to prepare for an investing career, Buffett held up a stack of paper. He said to read 500 pages like this every day. He said knowledge builds up like compound interest. Everyone can do it, but he guaranteed very few actually will. Now, you might think you don't have time to read 500 pages. That's not the point. The point is that you must aggressively consume knowledge about your specific focus. Most people consume garbage. You wake up, you immediately scroll through negative news, you look at social media and compare yourself to people who are faking their success. You load your brain with all sorts of distractions. You have to change your environment. If you want to be great, you have to put greatness into your mind every single day. So start your morning by listening to someone who inspires you. Put on a video of a successful entrepreneur entrepreneur. Listen to the greats. When you surround yourself with massive thinkers, your own problems start to look small. You begin to believe that you can overcome your current struggles. You borrow the belief from them. If you aren't learning every day, you're falling behind. Your competitors, they're studying, they're getting ready, they're getting better. You have to make learning a non-negotiable part of your daily routine, and ideally first thing in the morning. So I go for a walk every morning. I call it my believe walk. It's my dedicated dedicated time to clear my head and find my focus. And while I walk, I listen to videos and interviews of successful entrepreneurs. I want the greatest minds in history speaking into my ear. I want their belief to transfer into me. You can do the same. Find the authors, the speakers, the leaders who've already accomplished your goals. Consume their content relentlessly, right? Let their knowledge compound inside of your brain. It's the highest return on investment you get. But consuming information is only half the battle. If you don't know how to translate that knowledge into real-world action, you're just wasting your time, which is exactly what we're going to fix right now. Turning knowledge into action. Reading and learning are completely useless if you don't take action. Watching this video is useless if you don't take action. You can read 100 books a year. If you don't change your behavior, you just wasted your time. You're just trying to feel productive without actually doing the work. So you need to implement what you learn. And when? Immediately. You have to start taking risks. Your fear of failure is the number one thing holding you back. You want everything to be perfect before you launch. I get it. You want the perfect website, the perfect camera, the perfect plan. Perfectionism is really just fear. It's a mask for fear. You have to expect to suck at the beginning. When I started my YouTube channel, I was terrible. You can go back and watch the videos. I hated my first 350 videos. I couldn't even watch them because I was so embarrassed by myself. And it took me 700 videos before I actually felt a little bit proud of my work. But I kept posting, I kept learning. I took the knowledge I had and I put it into action. And you can get there faster. You can do the same. Make the messy video, send the awkward email, launch the ugly product, just get it out there. The market will tell you what works. You will learn far more from 10 days of taking action than you will from 10 months of just reading books. Books. Every time you test a new idea, you're gathering new data. You're figuring out what works and what doesn't work. So stop overthinking your next move. Stop waiting for the perfect moment. The perfect moment, it doesn't exist. You just have to start where you are with what you have. Action builds confidence. When you combine massive knowledge with massive action, you become incredibly dangerous to your competition. But to make sure that you're taking the right actions, you have to master the third habit of the ultra-rich. It's a habit that almost every entrepreneur completely ignores. Scheduled thinking time. The third habit is the most difficult for entrepreneurs to master. It's the habit of sitting in a quiet room and simply thinking. Warren Buffett doesn't just read, he schedules large blocks of time to just think. Bill Gates used to schedule every minute of his day, then he saw Buffett's calendar and realized it was mostly blank. You think that being busy means you're being productive. You fill your calendar with meetings and calls and emails. You pride yourself on working 15 hours a day, but you're running on a treadmill. A lot of times you're moving fast but like going nowhere. If you don't schedule time to think, you'll never solve your biggest problems. You'll just keep reacting to fires. You have to pull yourself out of the daily grind. You need time to step back and look at the whole board, the bigger picture. I call it CEO time. You have to ask yourself the hard questions. Are you actually moving closer to your ultimate goal or not? Are you spending your time on those top 5 priorities that we identified earlier, or are you slipping back into your old habits? You have to protect your thinking time. Treat it like the most important meeting of your week. Turn off your phone, close your laptop, sit with a blank piece of paper and a pen. Let your mind wander. The best ideas come when you give your brain the space to breathe. Most people are terrified of silence. You constantly need a podcast, a song, a video playing in the background. You're afraid to be alone. Alone with your own thoughts. But your thoughts are where the million-dollar ideas live. You have to practice being bored. You have to force yourself to sit and strategize. This isn't wasted time. It's the most profitable time of your entire week. But to make this actually work, you have to ruthlessly engineer your physical and mental space, which is what we're going to cover next. Designing your daily the environment. To make thinking time work, you have to ruthlessly control your environment. Your environment right now, it's perfectly designed to keep you exactly where you are. If you want to change your life, you have to change what surrounds you. You have to limit access to negativity. You have to shut down the voices that tell you that your ideas are crazy. Sometimes those voices are your friends and family. Sometimes the loudest negative voice is in your own head. You have to fight back by engineering surroundings. When you sit down to think, you can't be in a place full of distractions. You need a dedicated space. You need a place where your brain knows it's time to work. So you need to find your version of that. Maybe it's a quiet corner in your house. Maybe it's a park bench. Doesn't matter where it is. It only matters that you guard it fiercely. If you let other people interrupt your thinking time, you're telling them that their priorities are more important than your future. So stop doing that. You have to value your own mind enough to give it the silence it meets. So when I'm creating something new, that's when I feel the most free. You need to give yourself permission to explore your ideas without judgment. So don't worry if the idea sounds stupid at first. Let it develop. Write it down. Look at the different angles. You'll have these moments where you doubt yourself. You'll wonder if you're sitting there wasting your time. You'll want to go back to checking emails because it feels easier. You get that dopamine hit. Don't give in to urge. Push through the discomfort of deep thinking. When you create an environment that supports deep focus, your productivity will absolutely skyrocket. You'll start seeing opportunities that were totally blind to you before. You'll finally have the clarity you need to push forward. But there's one final piece of the puzzle that ties all of this together. Building unstoppable momentum. Okay, you now know the, the 3 habits. You need to ruthlessly focus on your top 5 goals. You need to aggressively consume knowledge about those goals. You need to schedule quiet time to think and strategize. Knowing this is not enough. The only thing you're missing right now is momentum. You don't need a massive breakthrough. You don't need a viral moment. You just need to take one small step today and then another small step tomorrow. Momentum is created by doing the boring repetitive tasks every single day, even when you don't feel like it. You're going to wake up tomorrow and you won't want to execute. You're going to feel tired. You might feel overwhelmed. That's the exact moment that defines your entire life. Are you going to give in to the comfort, or are you going to push through and do the work? You have to believe that the work you're doing today will eventually pay off. The results will not show up immediately. You'll put in massive effort and see zero results for a long time. That's the test. That's the filter that removes the weak. You have to keep pushing until the momentum takes over. And when it does, you'll become unstoppable. You'll look back at your life and realize that mastering these 3 daily habits changed absolutely everything. Lack of belief is the biggest problem in the world today. That's what I think. You have to believe in your own potential before anyone else will. You have to trust that if you put in the daily reps, the compound interest of your effort will eventually explode. So stop waiting for someone to come and rescue you. Stop waiting for permission from anybody else. Give yourself the green light right now. Protect your focus, expand your knowledge, and guard your thinking time. Everything you want is on the other side of that consistency. Your next step. Your dreams aren't impossible, they're just waiting for you to actually commit to them. You have everything you need right now to start making a massive impact, so trust your vision and take the very next step today. You don't need a lot of money or finance degree to become a millionaire. 99% 80% of small businesses you can start with next to no capital. It's more about effort.

To get rich in America, I do not need a college degree. I think earning money is one of the simplest things I ever learned, and it's one of the most misunderstood things.

The secret to building massive wealth is just understanding a few simple investing rules that the financial industry overcomplicates on purpose.

You don't need to be a genius in what I do. 90% of the people that buy stocks don't think of them the right way.

There's 3 basic parts to a financial statement: income statement, balance sheet, statement of cash flow. You can teach a monkey that, but our schools don't teach that. We're told that investing has to be complicated, that you have to be some genius looking at a screen with these numbers like PE ratios running through it all day. That's not true. If you keep waiting for the perfect time or enough money to start, you you will miss out on hundreds of thousands of dollars in compound interest and be forced to work decades longer than you want to. If you really want to make $100,000 and do it, you know, relatively quickly, basically save 15% of your paycheck and put it into an index in the market. Sometimes it goes up, sometimes it goes down, but over time you generally make 6 to 8%. That compounds. Within 7 years, you'll get to your $100,000.

$2.2 million. You got to make money while you sleep, and the only way to do that is understand compounding. So if a child is a young person, 19, 20 years old, puts aside $50 a week, they put it in the market over historical returns, it's $2.2 million.

You should get money, take the money, invest in assets. Look at the story of Ronald Read. He worked as a gas station attendant and a janitor for most of his life. He never earned a massive salary, and he definitely didn't have a finance degree. But when he died at age 92, his family and friends were were shocked to learn he had an $8 million fortune. Ronald didn't find a secret stock tip or trade options all day. He just saved whatever small amounts he could, bought shares in solid companies that paid dividends, and let that money sit there for decades. He let compound interest do the heavy lifting while Wall Street bankers tried to sell everyone complicated day trading systems. Now, you might be telling yourself that Ronald Read is a nice story, but you're barely scraping by and you don't have any extra money. Money to invest. You think you need to wait until your business takes off or you get a promotion before you can open an investment account. But wealth isn't about how much you make, it's about the habits that you build. Waiting until you have a ton of money to start investing is like waiting until you're in shape to go to the gym. And today I'm going to be breaking down the absolute basics of investing so you can start building your fortune with just a few dollars. The mathematical miracle of time. The absolute biggest mistake you can make with investing is thinking that you are too late or too poor to start. You look at your bank account, you see a few hundred dollars, and you tell yourself that investing is only for people who already have millions. That's a lie. The greatest asset you have right now is not your income, it's your time. There's a concept in finance called compound interest. Albert Einstein supposedly called compound interest the 8th wonder of the world. The world, saying that he who understands it earns it, and he who does not pays it. Compound interest just means that your money makes more money, and then that new money makes even more money. It's a snowball rolling down a hill, getting bigger and faster the longer you let it roll. There's a simple math trick you can use to see this in action. It's called the Rule of 72. You could take the number 72 and divide it by the percentage return you expect to get on your money. The answer is exactly how many years it will take for your money to double. So let's say you invest in a stock market and get a 10% return. You divide 72 by 10, that equals 7.2. That means every 7.2 years your money doubles without you having to do any extra work. This is exactly like building a business or starting a YouTube channel. When I started making YouTube videos, it took me 5 years to hit a couple thousand subscribers. I had to make 350 videos until I was not completely embarrassed by my content. I had to make 700 videos until I actually inspired myself. The growth at the beginning is so slow that it feels like you're getting nowhere. Most people quit right there. But if you are consistent, the momentum eventually takes over. The exact same thing happens with your money. If you invest $100 today and you leave it alone for 40 years at a 10% return, it turns into over $4,500. That's the power of momentum. But to get that momentum, you have to put your money into the right places. So where do you actually put your money to get those returns? I'm going to give you the exact answer right right now. Buying the entire haystack. When you think about investing in the stock market, you probably picture guys in these expensive suits screaming on the trading floor trying to pick the perfect stock. You think you need to find the next Google or Amazon before they hit it big. That is a trap right there, because picking individual stocks is incredibly risky, especially when you don't know what you're doing. Even the smartest professionals in the world, they fail at it. There's a massive report published every year called the SPIVA report. It measures how professional, highly paid fund managers perform compared to the regular stock market. Over a 15-year period, nearly 90% of active professional fund managers actually lose to the market. So if the guys with the supercomputers and the finance degrees can't pick the right stocks, you should not try to do it either. Instead of trying to find the needle in the haystack, you should just buy the entire haystack. You do this by buying something called an index fund. An index fund is just a single basket that holds small pieces of hundreds of different companies all at the same time. The most famous one is the S&P 500 index. So when you buy the S&P 500 index, you instantly own a tiny piece of the 500 biggest, most successful companies in America. If one company goes bankrupt, you do not lose all your money because you still own 499 other successful businesses. I talk a lot about modeling success. If you want to achieve something something great, look at the people who have already done it and model their path. You do not need to invent a brand new system. The most successful long-term investors in history all use simple index funds. It takes away the stress, it takes away the guessing, and it guarantees that you will capture the growth of the greatest businesses in the world. You just buy the fund consistently every single month and ignore the news. But keeping your money in the market is only half the battle. You also have protect it from the silent thief that is robbing you right now. The silent thief in your bank account. A lot of entrepreneurs, they tell me that they like to keep all their cash in a regular checking account. They say it feels safe. They say they can see the numbers on their screen and they know the stock market goes up and down, so they choose not to participate. If you do this, you are not playing it safe. You are actually guaranteeing that you will lose money. The silent thief that I am talking about is called inflation. Inflation just means the cost of living goes up every single year. The price of your groceries, gas, rent, everything else, it's constantly increasing. Historically, inflation averages around 3% every year. That means if your money is just sitting in a bank account earning zero interest, it is losing 3% of its buying power every 12 months. Over 20 years, your cash will lose more than half of its value. So to beat inflation, your money has to grow faster than the cost of living. We can look at the historical historical data from 1928 to 2024, cash returned about 3.31% per year. That barely keeps up with inflation. Bonds returned 4.5%. Real estate was 4.23%. Gold returned 5.12%. But stocks returned 9.94% per year. So you have to take a calculated risk to protect your future. Big decisions made with your heart. Small decisions should be made with your head. Your heart tells you that you want to be financially free. I hope you want to provide for your family and fund your dreams. I hope. But your head has to look at the math and realize that hiding your money under a mattress will never get you there. You have to invest. Now, even if you do start investing, there is a massive trap that the financial industry uses to steal your wealth. And I'm going to show you how you can avoid it. The hidden fees keeping you broke. So Wall Street makes billions of dollars by making you feel stupid. They use confusing words to convince you that you need to pay them to manage your money. They charge you a percentage of your total wealth every single year just for the privilege of holding your investments. This is called an expense ratio or advisory fee. You might think that paying a 1% or 2% fee is not a big deal. It sounds like it's a tiny number, but over 30 years, a 2% fee will eat up nearly 30% of your total wealth. That is hundreds of thousands of dollars missing from your retirement simply because you paid a guy in a suit to do something that you could easily do yourself. One of the most important rules in business is to eliminate, automate, delegate, right? You want to eliminate useless tasks, automate the repetitive ones, and delegate the rest to talented people. But you should never just blindly delegate your total financial future to a salesman who charges you 2% a year for an expensive mutual fund that's going to lose you money compared to to the market. You can bypass the expensive advisors completely. You can open a free account at an online brokerage. Think about Vanguard or Fidelity or Charles Schwab. You can buy low-cost index funds yourself. Some of those funds charge fees as low as 0.03%. That means you keep exactly what you earn. You keep your money working for you instead of you paying for a banker's new sports car. But picking the right index funds with the lowest fees is just one step. You also need to put those funds inside the right accounts so the government does not take all your profits. Building your tax shield. Taxes will be your single biggest expense over the course of your life. As an entrepreneur, you already know how much it hurts to see a huge chunk of your hard-earned income disappear to the government. When it comes to investing, you have the legal right to shield your money from taxes, but you have to use the right accounts. And now every jurisdiction is going to be different, but a regular brokerage account gives you zero tax benefit. You pay taxes on the money before you invest it, and you pay taxes on the profits when you sell it. But the government created special accounts to encourage you to save for your future. You need to use them. I'm going to talk from the American side of things now. The first one is a Roth IRA. A Roth IRA is an individual retirement account. You put money in after you've paid taxes on it today. But the magic is that the money grows completely tax-free forever. When you pull the money out in retirement, you do not pay a single penny in taxes on the massive profits that you made. If you have a 9-to-5 job while you are building your your business, you might have access to a 401. A lot of companies will match the money you put into your 401. If your company offers a match, you must take it. It's literally free money. Then there's the absolute best investing account in existence. It's called a health savings account, HSA. An HSA has a triple tax advantage. The money goes in tax-free, it grows tax-free, and it comes out tax-free if you use it for medical expenses. If you just take a few hours this week to set up these accounts, you will save yourself hundreds of thousands of dollars in taxes over your lifetime. But eventually a day will come when you log into these accounts and see a massive negative number. You need to be prepared for that day. Surviving the market roller coaster. If you invest in the stock market, you are going to see market crashes. It is a mathematical guarantee. Every few years the market drops by 10%, 20%, even 30%. 30%. When this happens, the news goes crazy. People panic. They log into their accounts, they see their life savings shrinking, and they sell everything in fear. Selling when the market drops is the worst financial mistake that you can make. When you sell during a crash, you lock in your losses permanently. You turn a temporary dip on a screen into real permanent loss of cash. The most successful entrepreneurs in the world have incredible emotional control. They know that growth is hard and that success is hard, and an entrepreneur leadership is hard. The highs are very high and the lows are brutally low. Remember, your purpose comes from your pain. The moments when you are tested the most are the moments that define your ultimate success. When the market crashes, you have to train yourself to see it as a massive opportunity, not a financial disaster. Think about it like a sale at your favorite store. If you went to buy a laptop and it was suddenly 30% off, you'd be thrilled. You would buy it immediately. The stock market is the exact same thing. When the drops, it means the greatest companies in America are suddenly on sale. You are buying the same exact assets for a massive discount. Now, historically, the stock market has recovered from every single crash, every single recession, and every global crisis in history. It always bounces back and goes higher. You just have to believe in the long-term progress of the economy. You hold your investments, you stay calm, and you keep buying. If you can survive the bad days, you will capture the massive rewards of the good days. Funding your mission. Okay, so we've talked a lot about the math, some of the stats, and the strategies you can use. But the real secret to investing is understanding why you are actually doing this. You are not investing just to have a high score in the bank account when you die. You are investing to buy your freedom. If you're an entrepreneur, you have a massive mission. You want to serve people. You want to make an impact. We are all built to serve. If you're not happy, it's because you're not serving. But you can't serve the world at the highest level if you are constantly stressed out about paying your rent. You can't hire a massive team and build an empire if you're living paycheck to paycheck. Money is not a bad thing. It is a completely necessary fuel for your business. Try driving a car without fuel and see how far you get. Money can't be number 1 on your list. It can't be number 1,000 on your list. It has to be in your top 5. It just shouldn't be number 1 because the mission comes first, but you must learn how to make money, keep money, and multiply money so you can fund the changes that you want to see in the world. When you get your investments automated, you buy back your mental energy. You stop worrying about your financial survival and you start focusing entirely on your creative genius. You get to wake up every day and do work that matters to you. You get to impact lives. You get to take risks on new ideas because you know your financial foundation is solid. That is what true wealth looks like. Your belief is your superpower. The only thing separating you from financial freedom right now is the decision to start. You have the rules, you have the strategies. Now you just have to have the courage to take the first step. You do not need a perfect plan. You just need momentum. Expect to make some mistakes. Expect to learn along the way, but promise yourself that you will not stay stagnant. You are capable of building massive wealth, and the world desperately needs what you are going to create with it. You will never become a billionaire or even a millionaire by following the advice of the middle class. Most people think that extreme wealth comes from luck or inheritance or being in the right place at the right time. But the truth is, it comes from having the guts to concentrate your bets when everyone else is diversifying to protect their ignorance. If you keep spreading your focus, your energy, and your money across a dozen different safe options because you are afraid of losing, you will guarantee that you end up with a life of mediocrity and never reach the massive potential that you were built for. In 2008, Elon Musk was facing the worst year of his life. He had made $180 million from selling PayPal, a fortune that would set most people up for life on a private island. But Musk isn't most people. He had poured almost all of that money into two companies that looked like they were about to die— Tesla and SpaceX. SpaceX had three failed rocket launches in a row. Tesla was running out of cash and couldn't make payroll. Musk had about $40 million left. He had a choice. He could put all the money into one company to save it, but that would mean the other would definitely die. Or he could split the money between them to try to keep both alive, but risk running out of cash for both and losing absolutely everything. Most people would have walked away. They would have kept the $40 million and lived like a king. Musk chose the hardest path. He split the money. He went all in on both. He literally had to borrow money from friends to pay his rent because he had zero liquid cash left. On Christmas Eve 2008, at the very last hour, a financing round came through for Tesla. Days later, NASA awarded SpaceX a contract. He risked $180 million to get to to zero just to have a shot at changing the world. Today, he's the richest man on the planet. So right now you're probably telling yourself, but Evan, I don't have $180 million like Elon Musk. And that's not the point. It's not about the amount of money. It's about the habit of your mind. You're playing small with the $1,000 the same way you'd play small with $10 million. If you cannot bet on yourself when you have nothing to lose, you will never bet on yourself when you have everything to lose. So today we're going to break down the actual blueprint. I analyzed 50 billionaires to find out what they actually have in common, and it's not what you think. The trap of diversification. The first thing you need to understand is that billionaires do not get rich by diversifying. You have been told your whole life, don't put all your eggs in one basket. That is great advice if your goal is to preserve preserve wealth. It's terrible advice if your goal is to create wealth and build an empire. Warren Buffett, one of the greatest investors of all time, calls diversification protection against ignorance. He says it makes very little sense for anyone who knows what they are doing. If you know how to analyze a business, if you know your market, if you know your value, why would you put your money into your 20th best idea instead of your top idea? When you look at the portfolios of the ultra-wealthy, you see extreme concentration. They find one thing they believe in, usually a company they built themselves or an investment they know inside and out, and they push all their chips into the middle of the table. Bill Gates didn't diversify into real estate and gold when he was starting Microsoft. He was 100% Microsoft. Jeff Bezos wasn't buying stocks and other retailers in 1999. He was 100% Amazon. And the data backs this up. There's a study by Acadian Asset Management that looked at concentrated portfolio managers versus diversified ones. They found that the managers who had the courage to bet who went big on their best ideas, their top 5 to 10 stocks significantly outperformed the ones who spread their bets thin. The managers who concentrated their portfolios generated higher returns because they were betting on their conviction, not their fear. You are hurting your own growth by trying to do too many things at once. You have a side hustle and a main job, and you're thinking about crypto, and you're trying to start a YouTube channel, and you're learning Spanish. You are diversifying your energy because you are afraid that if you pick just one thing, it might fail. But by doing 5 things at 20% effort, you are guaranteeing that all 5 of them fail. You need to find your wonderful business. Buffett says, "If you can find just 3 wonderful businesses in your life, you will get very rich." You don't need 50, you need one. You need to become an expert in one area. You need to know more about your specific niche than anyone else in the room. When you have that level of knowledge, you don't need to diversify to protect yourself. Your knowledge is your protection. So stop trying to be okay at everything and give yourself permission to be a genius at one thing. Put your eggs in one basket and then watch that basket very closely, like Andrew Carnegie used to say. The power of disagreeableness. If you want to be a billionaire, you have to stop caring what other people think. I don't mean you should be a jerk. I mean you must possess a psychological trait known as low agreeableness. Researchers from the Socioeconomic Panel in Germany analyzed the personality traits of millionaires and billionaires. They used the Big Five personality model. They found a consistent pattern. Wealthy people score very high on conscientiousness. They are disciplined and they're organized. They score high in openness. They like new ideas, but they score significantly lower than the average person on agreeableness. Agreeableness. This means they are not afraid of conflict. They are not afraid to swim against the tide. They do not need social harmony to feel good about themselves. When you are building something massive, people are going to tell you that you are crazy. They are going to tell you that it cannot be done. They are going to tell you that you are wrong. If you have high agreeableness, you will listen to them. You will try to fit in. You will compromise your vision to make everyone feel comfortable. Billionaires don't do that. They are nonconformists. Look at, uh, Steve Jobs. He was famous for his reality distortion field. He would demand things that his engineers said were impossible. He wasn't trying to be their friend. He wasn't trying to be agreeable. He was trying to change the world. He didn't care if people thought that he was difficult. He cared about the vision. You have to be willing to be misunderstood. You have to fight for your idea when no one else sees it. You have to be the one who says yes when the whole world says no. This is why so many billionaires are entrepreneurs. You cannot climb the corporate ladder if you are highly disagreeable. The corporate world rewards people who follow the rules and play nice. The entrepreneurial world rewards people who break the rules and create new realities. So you can ask yourself today, where are you compromising your dream just to avoid an awkward conversation? Where are you saying okay when you want to scream No, stop trying to please everyone. You are not pizza. You are a leader. Lead. The obsession with speed. Speed is the ultimate weapon. If you look at the daily habits of billionaires, they do not waste time. They understand that time is the only asset that they can never buy back. There is a concept called return on time investment, or ROTI. Billionaires are obsessed with this. They aggressively use leverage other people's money, other people's time, systems, and technology to make sure that their personal time is spent only on the highest value tasks. When I analyze successful people on my channel, I see this pattern over and over. They don't just work hard, they work fast. Tom Bilyeu, friend of the channel, has a strict routine. He gets up, he works out to build discipline, he meditates to clear his mind, and then he attacks his most important task immediately. He doesn't check email. Himself first. He doesn't scroll social media. He calls it thinkitating, using his brain power to solve complex problems before the world can distract him. Most people are moving too slow. You have an idea for a business, you spend 6 months researching a logo. You want to start a podcast and you spend 3 weeks looking for the perfect microphone to buy, right? You're using preparation as an excuse to hide. If you wait until you feel ready, you will be waiting for the of your life. Billionaires act on information immediately. When Elon Musk faced that crisis in 2008, he didn't take a month off to think about it. He was on the phone, flying around the world, negotiating deals, moving money, literally working 20 hours a day to save his companies. The speed of his decisions saved him. You need to shorten the gap between the idea and the execution. If you have an idea right now, do something about it in the next 10 minutes. Send the the email, buy the domain, post a video, call the client. Stop overthinking. Your brain is designed to keep you safe, not to make you rich. Safety is slow. Wealth is fast. The billionaire mindset is about shrinking timelines. If you think a goal will take you 10 years, ask yourself, how can I achieve this in 6 months? Even if you fail, you will be further ahead than if you stuck to the 10-year plan. So a lot of you are waiting for permission. You're waiting for someone to tell you that you good enough. You're waiting for the perfect time. There is no perfect time. The perfect time was yesterday. The second best time is right now. The ability to handle crisis. You will never reach the top without facing a moment that threatens to destroy everything that you have built. This is the existential crisis phase. Every single billionaire that I've studied has gone through a moment where it looked like it was all over. We talk about Elon Musk in 2008, but look at Jeff Bezos in a dot-com crash of 2000. 2001, Amazon lost 90% of its value. 90%! Imagine looking at your net worth and seeing it drop by 90%. Most CEOs panicked. They folded. They went bankrupt. Bezos didn't panic. He focused on the math. He focused on one single metric: the cash conversion cycle. He realized that if he could get cash from customers before he had to pay his suppliers, he could fund his own growth without needing banks or investors. He turned Amazon into a cash-generating machine during the worst crash in the history of the internet. He didn't just survive the crisis, he used the crisis to become stronger. This is what Nassim Taleb calls being antifragile. It's not just about resilience, which is bouncing back to where you were. It's about getting better because of the stress. When you are building your business, you are going to get hit. You are going to lose a big client. Your star employee is going to quit on you. The economy is going to tank. Pandemic is going to shut down the world. If you crumble when things it hard, you are not ready for this level of success yet. Billionaires look at crisis as a puzzle to be solved, not a sign that they need to stop. They maintain an internal locus of control. They believe that no matter how bad the external situation is, they have the power to fix it. They don't blame the economy. They don't blame the government. They don't blame their team. They take extreme ownership. So when bad things happen to you, do you play the victim or do you become the the architect of your own rescue. Your pain is your training ground. The struggles that you are facing right now are not there to stop you. They are there to prepare you for the weight of the success you are asking for. If you can't handle the pressure of a $10,000 problem, life will never trust you with a $10 million problem. So embrace the crisis. It is the fire that forges the steel. They solve the biggest problems. Perhaps the most important thing billionaires have in common is the scale of the problems that they solve. So you are paid in direct proportion to the difficulty of the problems that you solve. If you solve a small problem for a few people, you make a little bit of money. If you solve a massive problem for millions of people, you become a billionaire. So look at the billionaires that we've talked about. Elon Musk is trying to solve the problem of fossil fuels with Tesla and the problem of human extinction with SpaceX. Pretty big problems. Bill Gates solved the problem of putting a computer on every desk in every home. Jeff Bezos solved the problem of getting anything that you want delivered to your door in 2 days. These are not small problems. Most entrepreneurs aim too low. They start a business just to make money. They want to just pay their bills. They want a nice car. And there's nothing wrong with that, but it won't make you a billionaire. You have to fall in love with the problem. And to go to the next level, you have to expand your vision. You have to ask, how can I How can I help more people? How can I serve deeper? You need to find your one word. You need to find the core value that drives you. Because when things get hard, and they will get hard, money will not be enough motivation to keep you going. You need a mission. If you're just chasing paper, you will burn out. If you are chasing a purpose, you will be unstoppable. So the billionaires I know, the ones I studied, they're not sitting around counting their money. They are working harder than you and me. Why? Because they're obsessed with the problem they are solving. We are built to serve. So if you want to join their ranks, stop asking, how can I make a billion dollars? And start asking, how can I help a billion people? The money is just a byproduct of the value that you create. Focus on the value, focus on the service, focus on the impact. You have Michael Jordan-level talent at something. You have a genius inside of you that is waiting to be unlocked, but you are keeping it small because you don't believe in yourself enough to tackle the big problems. The world is waiting for you to step up. The world has huge problems that need your specific genius to solve. So don't deprive us of your contribution because you're afraid to fail. Go bigger. Privacy is the ultimate flex that nobody wants to talk about.

I started out feeling like I wanted to be private. I'd run a pri— I'd run a private partnership, and I just enjoyed it that way. Meet the Cargill MacMillan family, heirs to the largest privately held company in the United States, influencing the lives of billions without ever making front-page news. They built a $146 billion business but never gave interviews.

They control M&M's, Snickers, and hundreds of other brands, you know, yet you've probably never seen their faces.

Meet the Mars family, the billionaires who chose privacy over fame.

The smartest rich people hide their assets behind trusts and normal clothes so nobody even knows they have money. Have you changed your lifestyle? You don't look like you're buying really expensive clothes. No, I'm not buying really expensive clothes.

The mechanics of keeping Mars private required more than just refusing to issue public stock. It demanded the creation of elaborate structures, holding companies, trusts, and private partnerships that functioned as a moat around the family's control.

From 1996 to 2011, Steve Jobs wore his turtleneck, jeans, and New Balance sneakers at every every single Apple event. If you let everyone know exactly how much you make, you become a target for scams, fake friends, and endless requests for your cash. It's easy when you don't have anything and people ask you for money. It's harder when your multi-billion dollar salary is now in the paper and you get a lot of friends and cousins you didn't have before. It was very difficult for me to figure out where my boundaries were. You've got to have boundaries. Even if you're closest friend.

I have boundaries.

Ingvar Kamprad built IKEA from the ground up and became one of the wealthiest people in the world. He was worth over $50 billion, but he flew in economy class on every single flight. He drove an old Volvo for 20 years. He even bought his clothes at flea markets. He didn't care about designer labels or private jets. He knew that spending money just to show people you have money is a massive mistake. He stayed completely invisible as a billionaire. That stealth strategy kept him grounded and kept everyone's hands out of his pockets. Now you might be thinking, if I have to drive an old car and buy cheap clothes, what's the point of making millions of dollars? But stealth wealth isn't about punishing yourself. It's about choosing freedom over attention. You can still buy the house, you can take the vacations, you can eat at the restaurants that you want to eat at. You just do it without broadcasting it to the world. You buy back your your time and peace of mind instead of buying status symbols to impress people who don't even care about you. So how do you actually build massive wealth in secret while still enjoying your life? Here are the exact moves you need to make right now. Hide your assets behind LLCs and trusts. When you start making real money, people get incredibly curious about your life. They want to know exactly what you own, where you live, and how much cash is sitting in your bank account right now. And if your name is on the deed to your house or the title of your car, anyone can look you up in public records. It takes exactly 5 minutes for a complete stranger with a Wi-Fi connection to find out exactly what you are worth. This is incredibly dangerous. It invites lawsuits, jealous neighbors, and people looking for an easy payday. If you want to build wealth without anyone knowing, you must hide your assets behind LLCs and trusts. Now, an LLC is a limited liability company. When you buy property through an LLC, the name of the company goes on the public record instead of your personal name. This creates a powerful legal shield around you, but you can go even further by using a trust. A trust is a legal arrangement where a third party holds your assets for you. When you combine a land trust with an LLC, you get maximum privacy and maximum protection. This is what the smartest rich people do. They never own anything directly. They control everything, but on paper they own absolutely absolutely nothing. This is how you protect your peace of mind. You cannot build momentum in your business if you're constantly looking over your shoulder. You have to secure your foundation so you can focus 100% of your energy on serving your clients and growing your impact. The greatest gift you can give yourself is a safe environment. When nobody knows what you own, nobody can try to take it away from you. You get to wake up every single day and do work that matters without dealing with the drama of public success. People who show off their homes and cars are constantly stressed about losing them. They tie their entire identity to these physical objects. But when you hide your assets, you separate your ego from your wealth. You realize that your true value comes from your daily actions and your character. So start researching how you can set up an LLC in your state today. Talk to a legal professional about creating a trust for your big investments. It might seem like a lot of paperwork at first, but this one move will save you millions of dollars and endless headaches over the next 10 years. It gives you the silent foundation that you need keep growing. But hiding your big assets is only the first step. You also need to protect your daily personal information from companies that are trying to sell you out. Scrub your personal data from the internet. You might not realize it, but there are massive companies whose entire business model is selling your personal information. These companies are called data brokers. They collect your phone number, your home address, your past addresses, your family members, and even your estimated net worth. Then they package all this data and they sell it to anyone willing to pay a few dollars. This means that even if you never post about your money on social media, your financial success is still being broadcasted to the world without your permission. If you want to practice stealth wealth, you must scrub your personal data from the internet immediately. Now, you can do this manually by going to every single data broker website and submitting an opt-out request. But there are hundreds of these sites and they constantly repopulate your information every few months. A much smarter move is to use services like Delete.me— not connected to the channel. These services automatically scan the internet for your personal information and force the data brokers to remove it. They keep monitoring the web all year long to make sure that your data stays hidden forever. But why is it so important? Because your environment dictates your success. If your information is public, you invite total chaos into your life. You will start getting calls from long-lost friends asking for a massive loan. You will get targeted by sophisticated scams that know exactly how much money that you have. You will waste your precious mental energy dealing with distractions instead of building your empire. Successful entrepreneurs learn to aggressively protect their focus. You cannot achieve massive goals if you are constantly swatting away people who want a piece of your success. By removing your data from the internet, you take back control of your life. You get to decide who knows you and who gets access to your energy. When you operate in complete silence, you have the freedom to make bold moves without anyone judging your process. You stop worrying about what the public thinks because the public does not even know you exist. This level of privacy gives you a massive advantage over competitors who are constantly managing their public image. So you can take action today. You can start removing your footprint from these data sites. Your future self will thank you for keeping your life private. And once you get your data off those websites, you have to make sure that your daily spending habits do not give away your secrets. Here is exactly how to hide your money trail. Use virtual cards for ultimate privacy. Every time you swipe your personal credit card, you leave a highly detailed digital footprint. Retailers track exactly what you buy, how much you spend, and where you shop. They use this data to build a massive profile on your spending habits. If you are spending large amounts of money, you immediately get flagged as a high net worth individual in their system. You start getting targeted ads for luxury goods, expensive cars, high-end real estate. This makes it incredibly hard to live quietly. So to fix this massive security leak, you need to start using virtual cards for your purchases. A virtual card is a temporary digital credit card number that connects directly to your real bank account. So services like privacy.com— again, not connected to the channel, allow you to generate a brand new card number for every single online purchase. You can even use a fake name and a fake billing address when you check out. The merchant gets paid, but they never see your real financial information. They cannot build a profile on you, and they cannot track your growing wealth. Virtual cards also protect you from fraud and hidden subscription fees. You can set a strict spending limit on each virtual card. You can lock a card to a merchant. And if that merchant gets hacked, the thieves cannot use your card anywhere else. This level of control is absolutely crucial for any serious entrepreneur. Money is an amazing tool. It absolutely needs to be in your top 5 priorities so you can fund your mission and hire a great team to help you scale. But money cannot be your number one priority, and it definitely should not be something that you leave exposed to hackers and greedy corporations. You must fiercely protect your cash flow. When you use virtual cards, you keep your financial identity completely invisible from the world. You buy back your privacy with every single transaction that you make. It allows you to spend your money exactly how you want without becoming a target for aggressive marketing campaigns. So you can set up a virtual card account this week. You can start rolling all your online spending through it. Takes 5 minutes to set up, but it gives you a lifetime of security. Now that your identity and spending are completely locked down, it's time to talk about how you actually multiply your money without without anyone noticing. Master the 75/15/10 rule for quiet growth. To build serious wealth, you need a powerful system that forces you to live below your means. This brings us to the 75/15/10 plan. This is a very specific formula that guarantees you will grow your net worth without looking like you are trying to be rich. Here's exactly how it works. You live entirely on 75% of your income. You consistently invest 15% of your income, and you save or give away the remaining 10%. Financial experts say you need about $1.8 million to retire comfortably. If you're spending 100% of what you make on designer clothes and expensive cars just to look successful, you will never hit that massive $1.8 million mark. People who consistently show off their money are usually the ones who are the most broke behind closed doors. They are terrified of looking poor, so they spend absolutely everything they have. But the 75/15/10 plan keeps you completely grounded. When you automate that 15% into investments, your money starts to compound quietly in the background. Your neighbors will see you driving a normal car and living a totally normal life. They will assume you're just getting by like everyone else. Meanwhile, your investment accounts are growing into the millions. This is exactly how you build an unbreakable financial foundation for you and your family. So you don't need to impress random on the internet, your self-worth comes entirely from the effort that you put in every single day, not from the expensive things that you buy and ultimately often own you. The most successful entrepreneurs I know absolutely love the process of building. They love the daily work itself of actually creating companies. They don't care about the flashy rewards or the public applause. When you stick to the 75/15/10 plan, you completely remove the stress of trying to keep up with everyone else. You get to wake up every morning and focus entirely entirely on serving your clients and making a real impact on the world. You let your money do the heavy lifting in total silence behind the scenes. You start building momentum because you are never stressing about making your next car payment. Now, while the money is compounding silently, you still have to navigate the real world. And the fastest way to blow your cover is by wearing the wrong clothes. Dress for comfort instead of status. One of the absolute biggest mistakes young entrepreneurs make is buying expensive clothes the moment they hit a big check. They immediately go out and buy this shiny belt, the expensive watch, the designer their shoes. They desperately want the entire world to know that they finally made it. But loud luxury makes you an instant target. It screams to the world that you have endless cash to burn. The truly wealthy practice something entirely different called quiet luxury. Think about billionaire Mark Zuckerberg. He has a massive fortune, but he wears the exact same $300 gray t-shirt every single day. The shirt is incredibly high quality, but it has absolutely zero logos. To the average person walking down the street, he looks completely normal. This is the true essence of stealth wealth. You dress strictly for comfort and quality, not for public status. When you wear normal clothes, you blend in completely. Nobody looks twice at you in a grocery store. Nobody stops you to ask for a handout. You get to move through the world completely unnoticed. This gives you a massive psychological advantage over others. When you do not rely on designer brands to feel confident. You build genuine self-belief. You realize that your true value comes entirely from you, your character, your work ethic, your unique ability to help other people. Flashy money always attracts the absolute wrong kind of connections. It brings out fake friends who only want to use you for a free ride. When you keep your wealth a total secret, you force people to like you for who you actually are, not for what you can buy them. You get to build real, authentic relationships based on mutual respect and shared values. So stop wasting your hard-earned cash on ridiculous logos. Invest that money straight back into your business or into assets that actually pay you every month. Dress simply, stay humble, and let your bank account grow in the dark. You will sleep much better at night knowing that your friends are actually your friends. Now, blending in physically will save you a lot of trouble, but eventually people close to you will figure out that you're doing well. When that happens, you need a very specific strategy to protect your cash. Set strict financial boundaries. When people eventually find out you are running a highly successful business, the requests will start pouring in from everywhere. Your cousin will pitch you a terrible business idea and ask for funding. An old high school friend will ask you for a massive loan they have absolutely no intention of paying back. If you do not have strict financial boundaries in place, these endless requests will completely drain your wealth and destroy your relationships. Part of practicing stealth wealth is learning exactly how to say no without feeling guilt inside you. You might feel like you owe people because you're doing well, but you are not a bank. If you truly want to give back, you should do it on your own terms, completely anonymously if you want. Give to charities or causes that you deeply care about, but do not become a personal ATM for everyone that you've ever met. You are built to serve, but serving others does not mean letting people take advantage of your hard work. You have to fiercely protect your energy so you can continue to run your business and make a real lasting impact on the world. A fantastic way to handle this is to blame your financial structure. If someone asks you for money, simply tell them that all of your cash is tied up in long-term investments or controlled by your business partners. Tell them you simply do not have liquid cash available to hand out. You can keep the conversation extremely short and move on immediately. Immediately, learning to say no, it changes your whole life. It removes the massive stress of trying to please everybody around you. It allows you to stay entirely focused on your main mission. Do not let the heavy pressure of other people's expectations ruin the wealth that you work so incredibly hard to build for yourself. So set your strict boundaries today and enforce them ruthlessly every single time. Your true friends will understand, and the people who get angry were only trying to use you to anyway. Saying no protects your current bank account, but if you want to reach the highest levels of success, you have to completely change who you are studying. Copy the rise instead of the result. When most people look at highly successful billionaires, they only see the shiny end result, right? You see the private islands and the massive mansions and the massive superyachts. So they immediately try to copy that result. They finance a luxury car that they cannot actually afford just to looked the part. But the strategy, it's actually completely backwards. If you want to build massive, unshakable wealth, you copy the rise, not the result. So you look incredibly closely at what these billionaires were doing 20 years ago when absolutely nobody knew their names. Before they were famous, they were intentionally practicing stealth wealth. They lived in small, modest houses, drove completely normal cars, and poured every single dollar back into their companies or into their quiet investments. They bought assets that the the general public could not easily see, like private equity, real estate trusts, tax-advantaged accounts. They relentlessly focus on tax diversification to protect their money from the government. They built their massive fortunes entirely in the shadows. This is exactly what you need to do right now. So stop trying to look like you already won the game. Embrace the boring daily habits that actually created real wealth. Put your head down, do the hard work, and invest your cash quietly every single month. Wake up every morning and focus your entire mind on delivering massive value to your clients. The process of building is where the real joy lives. When you finally stop worrying about how you look to the outside world, you unlock a completely new level of momentum. You get to make smart decisions based on logic instead of, uh, your ego, right? You get to build a life that is actually incredibly rich instead of a life that just looks rich on social media. So you stay invisible, you stay focused, and you keep pushing forward every single day. Your future self will thank you endlessly for keeping your massive success a secret. When you commit to doing the boring work in the dark, you set yourself up for the ultimate level of freedom. And that brings you to the most important truth of all. Your next step to true freedom. Living in secret is not about hiding who you are. It's about protecting your peace so you can focus entirely on the work that actually matters. When you stop seeking validation validation from strangers, you unlock the ultimate ability to create an impact on your own terms. So trust in your vision, stay completely focused, and build your massive empire in total silence. Most of what you've been taught about getting rich is a complete lie designed to keep you trapped. I never did it for the money. I think that's part of the problem in our society today is people do it just for the money. Truth be told, I've never ever been motivated money. Real money is made by creating something that serves others so well that they gladly hand you their cash.

The people that are the best at serving others, they are the big winners in life.

If you have a vision for how your company could make the world a better place and you use social media to allow people to touch and be evangelized by your brand, if you're thinking, how can I make a product or a service that actually actually makes the lives better of the people that work at the company and the people who buy the product. If that's the question that you're asking, man, they will rally around you. You have to realize that money is a byproduct of service. And if you don't learn how to break out of the traditional mindset right now from this video, you will spend the rest of your life building someone else's dream instead of your own.

If you want to do it for fame or money, forget it. Stop now.

But if you want to do it for those For the love of it, keep on going.

For all of my friends who are successful, all the same age, all went to school together, all had fun, the secret ingredient which everybody's like, "Why are you guys so successful?" We all love movies.

We aren't doing it to get rich. We never thought we were ever gonna get rich. There was no one big at gaming, and I didn't know you could make money out of it. So it was never like a career that I just quit college to pursue. It's just something I just love to do. Think about Walt Disney. In the past, traditional amusement parks, they were dirty, dangerous, and aimed mostly at teenagers. Walt wanted to break that traditional mold. He wanted to build a clean, magical place where you and your family could actually have fun together. Now, the traditional bankers told him that he was completely crazy. They rejected his idea for Disneyland many times, but he refused to stay trapped in their old way of thinking. He focused purely on serving children, families like yours, and bringing them joy. Because he broke the rules and served his audience so well, he built an entertainment empire that changed the world. Now, right now you're probably thinking that Walt Disney was some creative genius and you don't have a billion-dollar idea yet. You might think that serving people sounds great in theory, but it doesn't pay the rent this month. But that is the exact trap that keeps you broke. You do not need a massive theme park to start making money. You just need to solve one specific problem for one specific person. If you can do that, the money will naturally follow. So let me show you exactly how to find that problem and turn it into real cash right now. Stop chasing money and start building leverage. Most people are completely trapped right now because they trade their precious time for money. And if you get paid by the hour, your inputs exactly match your outputs. You work 1 hour, you get paid for 1 hour. You work 10 hours, you get paid for 10 hours. This means you can never earn nonlinearly and you will never actually get rich by just renting out about your time. You only have 24 hours in a day, and you have to sleep, right, for 8 of them. You cannot scale yourself physically. You have to realize that you need a career where your inputs do not match your outputs. You need to disconnect your effort from your reward by building massive leverage. Now, in the past, leverage meant hiring huge teams of people, raising millions of dollars in capital. But having employees is actually the worst form of leverage you can use when you're just starting out. It requires permission and managing people is incredibly difficult. You spend all your time dealing with personalities instead of actually serving your customers. Today, the most powerful forms of leverage are code and media. This means writing software, recording videos, or creating a YouTube channel or podcast. Products like this have zero marginal cost of reproduction. You can multiply your efforts massively without needing anyone else's permission and without needing some rich investor to give you cash. When you build a piece of software or record a YouTube video, it acts like a tiny army of robots working for you for free. It can work for you 24 hours a day, 7 days a week while you are sound asleep. This is how you actually build real wealth. Wealth is not having a big pile of cash in your checking account. Wealth is having businesses and assets that earn while you sleep. Money is just a tool you use to transfer that wealth. So if you want to make the shift, you have to stop looking for a higher hourly wage and start looking for ways to create leverage through the internet. Now, the internet connects every single human on the planet, which means you can reach potentially everyone. Find your specific audience, build something they desperately need, and serve them at a massive scale. When you focus on serving others first, the money naturally follows. But to keep that money, you have to understand the 5 exact pillars of wealth, which I'm going to break down for you right now. Master the 5 pillars of wealth building. So building massive wealth is not random and is definitely not about just getting lucky. It is built on 5 very specific pillars that you absolutely must master. The first pillar is self-investing. You have to invest in your own ideas, your mind, your skills before you can create anything of real value to the world. So this means reading books, taking courses, watching YouTube videos, spending years perfecting your craft, getting good at something. You are your own greatest asset, and if you do not invest in yourself, nobody else will. The second pillar is income generation. So having a great idea is completely useless if you do not actually execute it. You have to use your new skills to create extreme value and generate cash. A lot of people want to jump straight to passive income, but do not try to skip this step. You cannot start investing in huge assets if you do not have a strong active income engine first. You need that cash flow to fuel your bigger dreams. The third pillar is asset investing. So once your business is running, you take the cash you generated and you buy things that increase your wealth without your personal labor, your time, time and effort. This could be buying real estate, investing in private businesses, or putting the money into the stock market. You buy assets that put money back into your pocket every single month. The fourth pillar is asset protection. So once you finally build wealth, you instantly become a target. One lawsuit or bad deal can wipe out a decade of hard work. So you have to structure your finances carefully to keep your assets completely safe from risks. You need the right legal and financial walls around your empire. And finally, And finally, the fifth pillar is capital allocation. This is where you take your massive wealth you've built and move it around to the best opportunities to get the absolute biggest return. You don't just hoard money in your safe. You put your wealth to work to create even more value in the world, build new businesses, and increase the size of the entire pie for everyone else. Building wealth is— it's a group activity. And when you allocate capital correctly, you generate jobs and have massive impact. But you can only build those businesses if you know how to completely destroy your competition, which is exactly what we'll talk about next. Productize yourself to escape competition. So a huge mistake you make every day is trying to copy someone else's path to success. You look at other entrepreneurs and try to steal their exact blueprint, but you can never win long-term by being a cheap copy of another person. You can model the success, yes, but you have to specialize in being exactly who you are. When you build a business that is a true extension of your own own identity, absolutely no one can compete with you. You escape competition completely through authenticity. Nobody else can be a better version of you. So how do we do that? You need to figure out what feels like play to you but looks like incredibly hard work to everyone else. That is your specific knowledge. Specific knowledge cannot be trained, outsourced, or automated. You find it by looking back at your life and seeing what you are naturally obsessed with. And the problems that you love solving. Often your biggest purpose actually comes from your deepest pain. You are uniquely qualified to help the person you used to be. The struggles that you survived become the exact tools you use to serve and help other people. Once you find that genuine obsession, you combine it with the specific skills you are good at until you are in the top 1% in the world at that unique intersection. Now, you might not be the single best speaker or the absolute best coder, but you can be the best speaking coder in your specific niche. Become the best in the world at what you do and keep redefining exactly what you do until that statement is completely true. Society will gladly pay you a massive amount of money for giving it what it wants but does not yet know how to get it. So when you focus on your unique genius, you stop fighting for the scraps and you start creating your own massive opportunities. Once you know your specific genius, you can face the biggest decision of your entire career, and getting this wrong can cost you everything. Choose between a product or service business. Okay, let's dive into that massive decision that you have to make right now. You have to decide immediately if you are going to sell a product or service. A product business means that you're selling a tangible physical items, while service means that you're performing a specific task for someone else. They have massive differences that will dictate your entire future, and you have to choose the right one for your exact situation. Product businesses usually require much more money upfront. You have to pay for inventory, massive storage warehouses, expensive equipment. They also have much narrower profit margins because you have to constantly pay the cost of goods sold. But physical products are much easier to scale because you do not have to directly trade your time to sell more units. The opportunity here is pretty massive, as global e-commerce sales are projected to hit over $6 trillion, growing at over 8% annually and taking over a huge share of all retail sales around around the world. Service businesses, on the other hand, are the exact opposite. You can often start a service business for $0 today using just a computer you already own and the skills that are here in your head. Your profit margins are huge upfront, but scaling is incredibly hard. To grow a service business, you have to hire more people, build strict systems to deliver the exact same quality of work every single time. The key number you need to focus on, no matter what business you choose, is your effective hours rate. If you're working 160 hours a month to make $15,000, then your rate is much lower than if you work only 80 hours to make $10,000. You only have a limited amount of waking hours each day. You must constantly find ways to raise your effective hourly rate so you stop trading your precious time for small amounts of cash and start buying your freedom back. And if you want to escape this trap, you have to systemize your entire service business. You have to document every single step you take so that someone else can do it perfectly like you. When you finally remove yourself from the daily operations, then your service business stops being a job and starts acting like a highly profitable product. But there is one specific path that looks like freedom but is actually a massive trap that keeps you completely broke. Don't get trapped in the gig economy. So a lot of aspiring entrepreneurs try to escape their dead-end jobs by immediately joining the gig economy. They start driving for rideshare apps or doing small delivery tasks just to get by. And it feels great at first because you get flexible hours, you get to be outside, you control your own daily schedule, you feel like you're finally your own boss. But task-based gig work is a massive trap if you want to get truly wealthy. You're still trading your time directly for cash, just like your old job, and there's almost no upward mobility at all. You don't get health benefits, your daily income is totally unpredictable, and you are absolutely not building an asset that you can sell to someone someone else later. You're just renting out your car and your time to a massive tech company that keeps all of the real profits for themselves. So if you're going to freelance, you must target high-demand digital skills. Think software development, expert copywriting, high-level virtual assistants. These digital-first gigs can actually scale with you. You start by taking on a few small clients, package your unique services into more premium offerings, and then eventually grow into a full agency or massive consultancy business. The goal is not just to be a struggling freelancer forever. The goal is to use those high-value skills to learn how to sell and learn how to build. If you can build a great product and you can also know exactly how to sell it, you will be completely unstoppable in any industry that you choose. So stop playing small games and start building a real empire. And once your empire starts generating cash, you have to know exactly where to hide it to make it multiply, which is exactly the next step. You need. Leverage real estate and the stock market for massive returns. When your business finally starts generating real cash, you can't just let it sit uselessly in a checking account. Inflation will completely eat your purchasing power every single year. So let me explain why this matters so much. If you just keep your cash under your mattress, it loses value every single day because things get more expensive. You have to buy assets that grow faster than inflation. This is the only way to protect your family and your future. So you take your profits from your business and you immediately pour them into assets that will take care of you forever. We can look at the data over a 25-year period. Investing in a medium-priced home in a growing market like Phoenix can completely multiply your wealth. If you bought a house for $172,000 with a 20% down payment, that home could easily be worth over $500,000 today. The real magic of real estate is pure leverage and aggressive equity buildup. You are using the bank's money to buy the asset, and your tenant's monthly rent is paying down the entire mortgage for you. So by the end of 25 years, that initial $34,000 down payment turns in over $460,000 in pure equity. On the other hand, putting that exact same down payment amount into an S&P 500 index fund and automatically reinvesting the dividends is just as powerful. A completely passive stock market investment grows steadily without any of the massive headaches of property management, angry tenant issues, or expensive broken toilets. Historically, the broad stock market can return around 5% per year in purely real inflation-adjusted terms, turning that same initial investment into over $225,000 of liquid cash that you can access at any time. Both paths work incredibly well to beat inflation, but you have to pick the specific vehicle that matches your lifestyle, your available time, and your personal tolerance for risk. The most important thing is that you put your money to work immediately so it can start growing while you sleep. But none of this matters if you make one massive mental mistake that ruins 90% of entrepreneurs. Play long-term games with long-term people. The biggest reason you are not rich yet is simply your massive impatience. You desperately want a huge paycheck tomorrow morning, but all the biggest benefits in your entire life actually come from compound interest. This rule completely applies to making money, learning difficult skills and building powerful relationships. You have to find an industry where you can play long-term games with long-term people. When you constantly try to get rich quick, you end up making terrible, short-sighted decisions that ruin your reputation. Real wealth stacks up just a little bit at a time, month after month, year after year. It's a whole bunch of tiny, unglamorous things piling up until suddenly you hit a massive tipping point. You have to keep doing the hard work consistently over and over again, even when nobody is watching and nobody is clapping for you. And on a long enough scale, you will absolutely get paid. But it can easily take 10 or 20 years to see the crazy life-changing money. You need to have extreme impatience with your daily actions, but extreme patience with your final results. Work in incredibly hard sprints when you are inspired and then rest instead of grinding 80 hours a week and completely burning out your brain. But the ultimate purpose of getting wealthy is not to to buy fancy sports cars or show off to strangers on the internet, right? The real purpose of massive wealth is absolute freedom. It's the ability to wake up exactly when you want, go to sleep exactly when you want, and never have a boss to tell you what to do ever again. So keep pushing forward because your ultimate freedom is absolutely worth the wait. And speaking of the wait, I have one final message to make sure that you stay on track. Take control of of your future. You have everything you need right now to start building the exact life you actually want. So stop waiting for the perfect moment and start serving people with your unique gifts today. Take that first step, stay incredibly patient, and watch how your entire world transforms. Most of what you learn in school is completely useless for making real money. School teach you about money?

And the answer is nothing.

They know nothing about money and they teach our kids. The highest earners in the world ignore traditional career paths and focus on stacking a handful of high-impact skills. And if you keep following the old rules of climbing the corporate ladder, you will stay stuck struggling to pay your bills while watching other people live your dream life. A salary is the drug they give you when they want you to forget about your dreams. Let's look at Warren Buffett. He is one of the richest investors alive, but if you walk into his office, you will not see his university degrees on the wall. The only thing he hangs up is a certificate for a public speaking course that he took.

I actually had the diploma in the office, and I don't have my diploma from college. I don't have my diploma from graduate school, but I've got my Dale Carnegie diploma there because it changed my life.

He realized that learning the skill of communication would instantly double his value. He ignored traditional rules and focused on a skill that actually prints money.

By far the best investment you can make is in yourself. If they just learn to communicate better, both in writing and in person, they increase their value at least 50%.

Now you might be thinking, okay, that's easy for Warren Buffett, but I'm just too busy trying to survive to learn something new. The actual truth is you do not need to quit your job or spend years back in a classroom. You just need to focus your limited time on the exact abilities that the market actually pays for. And so today I'm gonna show you the 7 high return skills you can start learning today that will completely transform your earning power. Master artificial intelligence and prompt engineering. So you might think that artificial intelligence is gonna steal your job, but the truth is a person who knows how to use artificial intelligence is going to take your job. It's projected at 75% of global businesses will use AI in their daily operations. If you ignore this trend, you'll be completely left behind. A massive report shows that artificial intelligence could add $4.4 trillion to the global global economy. So you need to claim your piece of that pie. The most important high-return skill right now is prompt engineering. This just means knowing exactly how to talk to artificial intelligence to get the best results. You cannot just type in a lazy question and expect magic. You have to use a specific 4-part framework. First, define the role. So tell the program to act like an expert copywriter or a brilliant lawyer. Second, provide the data. Give it examples of what you want. Third, make the specific ask. Do not be vague. And fourth, request the exact format, like a bulleted list or a table. When you master this communication skill, you can do 10 hours of work in just 1 hour. You instantly become 10 times more valuable to any client or employer. Do not wait for the perfect moment to learn this. Action cures fear. Just open a free program today and start testing it. Build your momentum right now. But artificial intelligence is just a tool. To truly multiply your income, you need to know how to sell the value you just created, which leads perfectly into the second skill. Close high-ticket sales. Selling cheap products will keep you exhausted and broke. If you sell a $20 item, you need thousands of customers just to pay your rent. But if you master the skill of high-ticket sales, you only need a handful of clients to completely change your financial life. High-ticket offers are not about tricking people into paying more for the same service. They are about solving problems that are so painful, urgent, or expensive that premium pricing becomes totally obvious to the buyer. So you have to change your entire mindset around selling. Most people feel slimy when they ask for money, but you are built to serve. If you have a product or a service that can genuinely fix someone's problem, you have a moral obligation to offer it to them. If you do not offer it to them, you are hurting them. You are being selfish. Selling is just serving at the highest possible level. You also need to understand that sales is a learned skill, not a genetic gift. Companies that spend money on sales skills training are 57% more effective than companies that ignore it. You can learn the scripts, you can learn how to handle objections. Do not take the yes away from the customer before you even ask for the sale. So pick up the phone, make your premium offer, and let them decide. Selling 101 is incredibly powerful, but what if you want to reach millions of people at the exact same time? That is where the third skill comes in: public speaking and video communication. You have to get on camera. It does not matter if you are shy or introverted. I was. Video communication is the single fastest way to build deep trust with a massive audience. When people can see your face, they can hear your voice, they connect with your story on a highly emotional level. You do not need a fancy studio or an expensive microphone. You just need your smartphone and the courage to share your truth. When I started making videos, I was completely terrified. I was an introverted guy who just wanted to hide. It took me 350 videos before I was not completely embarrassed to watch my own content back, and it took me 700 public videos until I actually started to think I was getting good. I expected to suck at the beginning, and I did, but I just kept going. I focused entirely on the one person I could help instead of worrying about the millions of people who were not watching me yet. So if you want to stand out in your industry, start making videos about your foundation. Tell people why you started your business. Tell them about your struggles. Tell them what to believe. Do not wait for validation from the internet. Just put in the reps and build your back catalog. The market always rewards the people who show up consistently and speak with passion. Now you know how to talk to people, but how do you combine all your different interests into one unique career? That is the absolute magic of the fourth skill. The art of selling. Skill stacking. So schools taught you that you need to pick one major and do one specific job for the rest of your life, right? That is terrible advice for making real money. Our economy does not reward specialists who only know one narrow thing. The highest earners in the world use a strategy called skill stacking. You do not need to be the absolute best in the world at one skill. You just need to be in the top 20% for 3 or 4 different skills and then combine them. So instead of just being a normal graphic designer, you become a designer who also understands user psychology and direct response copywriting. That specific combination makes you incredibly rare. Research from the World Economic Forum proves that cross-functional skills are the most heavily demanded abilities in the entire global job market. So look at your own life. Take your boring corporate experience, add a little bit of marketing knowledge, and mix in your weird weekend hobby. Suddenly you have a totally unique profile that nobody else can compete with. You stop being a commodity and you start being a category of one. When you are the only person who can do what you do, you get to dictate your own price. But what happens when you have these rare skills and people still refuse to pay you what you're worth? You have to master the next skill to force the market to respect your value. Data-driven Emotions in negotiations. Most people walk into a salary review or a client pitch completely driven by their emotions. They complain about how hard they work. They talk about how long that they've been at their company. They say that they need more money because their rent went up. That strategy will keep you broke forever. Businesses do not care about your personal financial stress. They only care about the value that you bring to their bottom line. So if you want to double your income, you have to separate your self-worth from the negotiation negotiation process. You can use hard data. An analysis of 500 different salary negotiations revealed that using emotional arguments only work 8% of the time, but when people presented a business case backed by actual market data, the success jumped to 67%. You have to do your research. Find out exactly what your specific skill stack is worth in the open market right now. Present those numbers confidently. Show the client exactly how much money your work is going to to make them. When you frame your request as a smart business investment instead of a personal favor, the money will flow to you. Negotiation gets you paid the right amount, but to build massive wealth that lasts decades, you need to understand the underlying pulse of your entire industry. And that brings us to skill number 6: data analysis and market research. You cannot build a million-dollar business based just off of your gut feelings alone. You have to know your actual control numbers. Most people are terrified of looking at their analytics because they are afraid of seeing the ugly truth. They would rather live in denial. But if you do not know exactly where your leads are coming from or exactly where your customers are dropping off, you are just flying blind. Data science and analysis roles offer massive salaries because the ability to read data allows companies to maximize their purchasing power and predict future trends. You do not need a fancy degree to do this. You just need to log into your dashboard and face reality, right? When I'm trying to grow a YouTube channel, I do not just guess what people want to watch. I look at the exact click-through rates on every single thumbnail. I study the audience retention curves for the first 60 seconds of the video. You have to do the exact same thing for your business. Track your conversion rates, track your email open rates, double down immediately on the things that are working and ruthlessly cut out the things that are failing. Let the data show you a clear clearer path forward. Now, you can have the best data, the best sales pitch, and the best technical skills, but you will still hit a massive income ceiling if you try to do everything yourself. This final skill is the ultimate wealth multiplier. Leadership and team building. You are the biggest bottleneck in your own life right now. You are trying to control every single tiny detail of your work because you are a perfectionist. You think nobody else can do the job as well as you can. That belief is keeping keeping you stuck playing a very small game. The fastest way to scale your income to the moon is to stop asking how you can do a task and start asking who can do this task for you. When you transition into true leadership, your job is no longer doing the daily grind. Your job is to empower other people to do the work. Self-confidence and the ability to delegate are the absolute foundations of success for any high-level executive or business owner. You must learn the framework of Eliminate, automate, delegate. First, eliminate the useless tasks that you do every day that do not actually move the needle. Second, automate everything you can using software and AI. And finally, delegate the rest of the work to talented people who actually love the things that you hate doing. You have to let go of your ego, let your team make mistakes so they can learn and grow, build a culture where your people feel like the work they do actually matters. And when you focus on serving your team and lifting them up, they will build your empire with you. You now have the exact 7 skills you need to completely double your income this year. But all of these strategies are completely useless if you do not fix the one massive problem happening inside your head right now. Your true potential. The only thing truly holding you back from doubling your income is your own self-doubt. You have to decide today that your biggest goals are actually possible for you. Stop listening to the people who tell you to play it safe and stay small. Step into your greatness and do the work that you were put on this earth to do. Being realistic about your goals is the absolute worst advice anyone can give you.

We choose to go to the moon in this decade and do the other things, not because they are easy, but because they are hard.

Everything you want as a YouTube creator, every freaking goal you want to hit, whether it be subscribers, you want to hit a million or 10 million or whatever, will come if you just make the best videos possible. So my goal, and this is what it will be till the day I die, is to make the best YouTube videos possible. When we were putting together this tour, I had some really lofty goals I wanted to reach conceptually. When you lower your expectations to match what is normal, you kill the exact vision that makes your ideas special. My family was still mad at me for not going to medical school, and now my wife was divorcing me because I lacked ambition. Once again, I was unable to live up to the expectations of others. Their dreams and my dreams were different. I'm always going to expect myself to do certain things or surpass certain things. As long as I believe that, then, you know, my road to success is going to continue to expand.

Everybody told me I couldn't have what I was dreaming of.

Everybody told me it's not possible, give it up, don't have high expectations.

Well, the truth is, my entire life I've had monster, monster expectations.

And if you keep playing small to make other people comfortable, you'll lose your passion and end up working for someone else's 10-year plan. Your time is limited, so don't waste it living someone else's life.

I wrote this over and over and over again.

I talked to myself in the mirror. I'd sit on the and say, one day, one day, I'm gonna make a million dollars. One day, one day. And people used to tell me, that's crazy, dude. Like, why do you think so big? This is when people were telling me not to. What do you believe holds people back from just taking action? Other people's opinions. And how do you overcome that? By telling your mom to go fuck themselves. I'm 45 years old right now, but when I was 19, I joined a biotech software company. I worked 15 hours a day, but I only made $300 a month. I owned 30% of the startup, but I was eating beans every single day because that's what I could afford. I almost lost the business multiple times. I was so close to giving up and taking a realistic, safe $100K+ banking job, and my own brain was giving me incredibly smart reasons why I should quit. But I asked myself one question: when I'm an old man at 40 or 45 years old, will I regret not chasing this unrealistic dream? And the answer was yes. So I decided to stop playing small. I modeled success from Bill Gates and finally saved the business. If I had listened to the people telling me to be realistic, you wouldn't be watching this video right now. But I have bills to pay. You're sitting there thinking it's easy for a 19-year-old to eat beans. You have rent, you have kids, you need a steady paycheck right now. You're absolutely right about your responsibilities, but playing it safe doesn't actually protect your family. It just guarantees that you stay stuck. The risk of failing at a normal job is just as high as in a business, but the upside is zero. You can protect your family and chase a massive dream at the same time. Let me show you the exact steps to build your empire without risking your rent money. Redefine your risk. So most people think of starting a business means risking everything. You think you need to empty your bank account, quit your job and go completely broke. That is the absolute wrong way to do it. You can start testing your idea right now for exactly $0. A major study shows that 60% of new businesses fail within the first 3 years, and it is almost always because they just run out of cash. Don't be part of that statistic. Keep your day job to pay your rent, use your evenings to build your real dream. Spend just 1 hour every single night working on your idea. You don't need to be reckless to be successful. You just need to be incredibly consistent. Start small and test what actually works with real customers. If you want to start a marketing agency, don't run an expensive office. Send 50 emails to local dentists offering to run their ads. When your side income finally matches your job income, then you can quit. Until then, use your job to fund your empire. This keeps the pressure off your creativity. You make terrible decisions when you're stressed out about paying for groceries. So keep the steady paycheck and build your legacy in the dark. You can start reaching out to 10 potential clients today on social media without spending a single dollar on ads. The internet right here gives you free access to the entire world. Use it. Your lack of a budget is an actual advantage because it forces you to be creative. But what is the exact thing you should be building? I'll show you how to figure that out right now. Discover your core value. So you need to figure out your most important core value. I call this your one word. My word is belief. Every single decision I run through this exact filter. Does this project spread belief? If yes, I try to do it. If no, then I skip it. Research from the Harvard Business Review shows that companies with a clear purpose have 400% more growth than companies without one. This applies to you too. I recently analyzed data from 50 different billionaires to find their common success best frameworks, every single one of them had a massive undeniable core value that drove their decisions. So think about the hardest moments of your life. How did you pull yourself out of the darkness? The specific lesson you learned in that pain is your core value. You want to teach other people how to avoid the exact pain that you went through. Once you know your word, your entire business plan becomes incredibly easy. You stop copying other people and you start building something that only you can build. So look at your favorite movies, your favorite songs, your favorite teachers— they all share a common theme. That theme is your core value. When you align your business with your deepest value, you stop feeling exhausted and burnt out. You wake up with energy because you feel like your work actually matters to you, because it does. You aren't just selling a product or service anymore, you're leading a movement, even if it's a small one. But what happens when you wake up feeling completely crushed by doubt? I have a specific system to that immediately. Borrow belief from giants. So you'll have days where you completely doubt yourself. Your environment will try to drag you down. The people around you might tell you to just be normal and play it safe, man. You need to change exactly who is in your ear. When I started my channel, nobody in my real life really understood what I was doing, so I borrowed belief from people who are already massively successful. I listened to Steve Jobs and Les Brown in my ear every morning. It's called my believe walk. Get outside, put something in your ear that helps you believe in yourself more. A study by the American Society of Training and Development found that having a mentor increases your chance of success by 65%. If you don't have a mentor in real life, find one online. Listen to their interviews while you brush your teeth. Watch their speeches when you commute to work. Fill your brain with the voices of people who absolutely refuse to play small, and their extreme confidence will slowly become your confidence. You'll start thinking bigger because you're surrounded by giant thinkers. You have to aggressively guard your mind. Turn off the negative news. Turn on the people who make you want to win. Your daily habits dictate your future. So if you spend 2 hours a day watching mindless entertainment, you'll stay exactly where you are. If you spend 2 hours a day though listening to successful leaders, your entire mindset shifts. But watching videos isn't enough. You actually have to put in the reps. I'll tell you exactly how many reps you need to do next. Commit to 350 reps. Now, you're probably judging your first attempt against everyone else's 10th year, right? That's the big mistake. When I started making YouTube videos, I was terrible. I hated watching myself on camera. It took me 350 public videos before I stopped feeling just completely embarrassed by my own work, and it took me 700 videos until I actually inspired myself for once. A study from the University College London showed that it takes an average 66 days to form a new habit, but mastering a complex skill takes thousands of repetitions. So you can't expect to be great on day one. You have to be willing to completely suck at the beginning. If you want to grow a massive audience, you have to constantly test what works. You need to spend time completely optimizing your titles, maximizing your click-through rates. You test cinematic, you test text-free thumbnails. Your first product is going to be ugly. Your first video will get zero views. Put it out anyway. The only The only way to get the skills you need is to actually do the work. If you refuse to release anything until it's 100% perfect, you'll stay stuck forever. So stop overthinking and start producing. Buy cash flow instead of building. You don't always have to start a brand new company from scratch. Sometimes the absolute smartest move is to buy an existing business that already works. You look for completely boring business models that print money every single day. Buying a local laundromat or a waste management company. The current owners are getting ready to retire and their kids don't want to run a boring company. According to the Exit Planning Institute, 75% of business owners plan to transition their business over the next 10 years. That is a massive opportunity for you to step in and acquire wealth. You can buy a highly profitable asset instead of spending 5 years trying to build one. You step into a company that already has high-paying customers, trained staff, and consistent revenue. You just apply your maybe modern marketing skills to a very traditional business and the profits could explode. You don't need to invent a brand new tech software to be incredibly rich. You just need to find a solid, boring business and run it much better than the previous owner. Buying an existing business gives you immediate momentum from day one. It completely removes the high risk of a brand new startup failing. But once you own the business, you need to tightly manage your time. If you do every single daily task yourself, you'll burn out fast. Here's exactly how to fix your schedule today. Eliminate what does not matter. The obsession with being extremely busy destroys people's potential. Working 15 hours a day on the absolute wrong tasks will keep you broke forever. You need to look at your daily schedule and instantly cut out the garbage. Apply a 3 3-step process to your life: eliminate, automate, and delegate. First, eliminate everything that doesn't directly bring in revenue or build your brand. Second, aggressively automate your repetitive tasks. Use advanced AI tools, custom prompts, and integrations to handle most of the boring work for you. And then third, delegate the remaining tasks that you aren't an expert at to other people. A study by Stanford University found that knowledge workers spend up to 41 of their time on discretionary activities that could easily be handled by others. You should only be doing the specific tasks that only you can do. If you hate editing audio for your videos, hire someone else to do it. If you need a cheap scalable solution, use open source alternatives to get some of the heavy lifting off your plate. Protect your daily energy at all costs. You need your brain to be totally fresh for the bigger strategic decisions. You can't be a visionary leader if you're completely exhausted from doing basic data entry. So taking control of your time becomes the the ultimate business flex. Now you have the perfect strategy, but you still need one final push. Create massive momentum today. The only thing you're truly missing right now is momentum. You have the great ideas, you have the burning desire, but you keep waiting for the perfect moment to start. The perfect moment simply doesn't exist. You just need to take the very first messy step today. According to the Journal of Personality and Social psychology, making visible progress on a goal drastically increases your motivation to keep going. It's called the progress principle. Don't worry about step 100 right now, just focus entirely on step 1. Build a system to track your daily progress. Use a simple spreadsheet to monitor your daily habits or your nutrition goals. High protein foods, Greek yogurt, salmon, eggs— it gives your brain the energy to focus, but your tracking sheet gives you the discipline to execute. So register your tell me your name tonight. Film your first rough video today. Send that one terrifying email that you've been avoiding. Do something physical that makes your dream slightly more real. When you look back at your life as an old person, you won't regret the times you failed. You'll only regret the times that you never even tried. So don't let fear control your entire future. You're fully capable of achieving incredibly impossible things if you just refuse to stop stopping. Every single massive empire started with one single uncomfortable decision. So make that decision right now. You are absolutely ready. Your next step to greatness. You have everything you need right inside of you right now. So stop listening to the people telling you to play it safe, to be realistic. Step up and claim the life you actually want. Retiring early is a completely broken goal that is secretly destroying your daily drive. When it comes to retirement, some people Many people have a vastly different experience than the one you might imagine, filled with lazy days of sleeping in and no responsibilities. And for many, this major life shift may trigger some possible mental health issues. Working is not just about money. People don't understand this very often until they stop working. Work defines who you are. It provides a place where you're social with people. Interaction with people all day long in an interesting way. It even helps you live longer and is very, very good for brain health. People are trying to wind down and figure out how they're going to slow it down or wrap it up. Fuck wrapping it up, man. Start it up. If you're working this hard just to escape your work, it means you have built a business or you have a job that you fundamentally hate. People say you have to have a lot of passion for what you're doing. And it's totally true. And the reason is because it's so hard that if you don't, any rational person would give up. How can other people tap dance to work? What's the secret of that?

You find your passion.

What I, I tend to try to tell people in terms of what does it take to be successful, find something you love to do and then be great at it. If you don't pivot and build a lifestyle you actually want to live today, you will wake up in 10 years exhausted, sick, and full of bitter regret. Sometimes it's, whoop, need to pivot, need to change the old aperture, change lenses on the way I'm looking at this position. When I'm 80, now 90, I want to have minimized the number of regrets that I have in my life.

And most of our regrets are acts of omission.

They're things we didn't try. It's the path untraveled. Those are the things that haunt us. You're haunted haunted by all the opportunities that you missed by not bringing your best at that time, when you could have won but you didn't win because you allowed life to interfere with that one shot. There is a famous parable about a businessman who was walking on the pier of a small coastal village. He saw local fishermen dock a small boat with just a few fish. The businessman asked why he did not stay out longer to catch more. The fisherman said he had enough to feed his family. The businessman asked what he did with the rest of his day. The fisherman smiled and said he sleeps late, plays with his kids, takes a nap with his wife, and plays guitar with his friends at night. The businessman laughed and said, I have an MBA and I can help you. You should work harder, buy a fleet of boats, open your own factory, and make millions. The fisherman asked how long that would would it take? The businessman said, maybe 20 years. The fisherman asked, what would happen next? The businessman said, then you can retire, move to a small village, sleep late, play with your kids, and play guitar with your friends. The fisherman just looked at him and said, that's exactly what I'm doing right now. Now you might be thinking that you don't want to just sit on a beach all day. You have big goals, you want to make an impact, and you actually like building your business. I do too. You You don't have to give up your ambition to find peace. The point of the story is not to stop working. The point is to stop building a business that destroys your life today for a promised reward 20 years from now. You can have the success and the lifestyle right now, and I'm going to show you exactly how to do it. Define your actual enough. So you've been told your entire life that the ultimate goal of an entrepreneur is to build the biggest business possible. You start a company, you hit your first revenue goal, and what is the very first thing you do? You immediately set a larger goal, right? You hit $10,000 a month and suddenly you feel like a failure because you are not making $20,000. You cross a million dollars a year and instantly you feel behind because you do not have a $10 million empire. This is running on an endless treadmill. The businessman in the story wanted the fisherman to scale his operations, to buy a fleet of boats, to open up a factory, but he had absolutely no real reason for the fisherman to do it other than the fact that society says bigger is always better? Do you actually have a real reason for wanting a massive business? You need to figure out what your actual financial enough is. Science proves that chasing money for the sake of money will never make you happy. There was a famous study that was conducted by researchers at Purdue University that looked at data from over 1 million people across the globe. They found that emotional well-being and happiness actually peak at an income of about $75,000 a year. Making more money beyond that point does not significantly increase your daily joy, your peace, or your happiness. It often just brings more stress, more overhead, and more problems. Mo' money, mo' problems. You need to sit down today and calculate exactly what your ideal life costs. Write down the cost of your house, your food, your hobbies, the experiences that you want to have with your family. You will probably realize that you need far less money than you think to live the peaceful life and that the the fisherman was already living. So figure out what your number is. Stop chasing some fake standard of success that leaves you completely exhausted. Once you know your number, you can finally stop putting off your life until tomorrow. Stop waiting for permission to live. The absolute biggest trap that the businessman presented was the idea of someday. He told the fisherman to suffer for 20 years so that someday he could finally relax. And chances are you're probably doing the same thing to yourself right now. You're telling yourself that you will finally take a vacation when the business hits a certain milestone, right? You tell yourself that you'll finally spend time with your kids when the operations are perfectly systemized, right? You're delaying your actual life or future that is completely unguaranteed. You have to stop waiting for permission to live. You need to apply the regret minimization framework that's famously used by Jeff Bezos. The concept is incredibly simple. You just imagine yourself as 80-year-old sitting in a rocking chair looking back on your life, you ask yourself, what will I regret more? Will I regret taking a risk to live the life I want right now, or will I regret playing it safe and waiting for someday? When I was 19, I used this exact framework. I was studying finance in university. I had the opportunity to go work for one of the biggest investment banking companies in the world. I thought it was my dream job. It was a 6-figure job straight outta university. It was safe, it was secure. It was exactly what society told me I I should want. But I had another option. I could join two friends in a software startup. I would get 30% equity, but I'd only make $300 a month at the start. And it was the hardest decision of my life. I had to look at myself and ask what my older self would regret. I knew that if I did not try to build a business, I would regret it forever. I would rather fail knowing I had tried than spend the rest of my life wondering what could have happened. So I turned down the safe money and I chose a startup, and it terrifying, and there were times that I wanted to quit, but it was the defining choice of my life. You have to make the same choice. Stop waiting for the perfect time. Take the action today to build the life you actually want to live. Find your true purpose in your deepest pain. You might be sitting there thinking that you don't even know what kind of business to build that would allow you to feel free. You want to escape the corporate grind, but you don't know what your real mission even is. The answer is usually hiding in your own past. Your true purpose comes directly from your deepest pain. Whatever you struggled with the most in your life is the exact thing that you are meant to help other people overcome. So, uh, if you struggled with your weight and finally figured out how to get healthy, your mission is to help others do the same thing. If you struggled with massive debt and finally crawled your way out to financial freedom, your mission is to teach others your frameworks. When I was starting my journey, I struggled heavily with being an introverted, shy entrepreneur. I had zero confidence and zero belief in myself because I felt that intense pain. My entire life mission is now to help other entrepreneurs believe in themselves more. It's why I make these videos. When your business is tied to solving a pain that you deeply understand, it completely changes how you show up. It stops feeling like a stressful grind and starts starts feeling like it's your, it's your calling, that it's calling to you to act. You stop building a business just to make a quick dollar, and you start building something that actually matters to you and to others. And having this deep purpose is not just, it's not just good for your business, it's literally physically good for you. A major study published in the JAMA Network Open found that having a strong purpose is directly associated with a decreased risk of early mortality. So people who have a reason to wake up in the morning literally live longer, healthier, healthier lives. So do not build a massive soulless fishing fleet just because a businessman told you it was a good idea. Build a business that solves a real problem for the younger version of yourself. And when you find that calling, you have to make sure that you do not lose sight of what actually matters. Focus on who you are serving today. The businessman in the story was obsessed with the global market. He wanted the fishermen to sell to middlemen, open a cannery, move to the big city, and dominate the the world, right? The businessman was completely focused on all the millions of strangers the fisherman was not currently reaching. But the fisherman, he was completely content focusing on his family, his friends, and his local village. He focused only on the people right in front of him. And this can be a massive lesson for your business. When you are trying to grow, it's incredibly easy to get obsessed with the audience that you do not have. You stare at your analytics, you complain about your lack of followers, you get frustrated that you're not famous yet. You forget about the actual humans who are already showing up for you and watching your content right now or buying your products right now. When I first started my YouTube channel, it was a very slow and painful grind. In my first year on the platform, I only gained 25 subscribers. My very first video sat on the internet for a year and got only 3 comments. One comment was from my mom, one was from my sister, and the third comment was from one random guy, most people would look at those numbers and quit, right? They'd say the market is too small, nobody cares. But you have to focus on who you are serving, not who you are not serving. So I decided to make my videos for that one random guy. If my content helped him believe in himself a little bit more, then the video was a success. You can adopt that same exact mindset. If you have 10 clients, treat them like absolute royalty. Stop ignoring the people who support about you today just because you are distracted by the thousands of people who do not know you yet. If you serve the few people in front of you deeply, the growth will happen naturally. But as that growth happens, you have to protect your schedule. Break the hustle prison to buy back your time. Now, you might already have a business that is completely running you into the ground. You want the fisherman's lifestyle, but you feel trapped inside the businessman's reality. You're working 80 hours a week. You answer emails at midnight. Uh, you can't even remember the last time you took a nap or played the guitar. To get your freedom back, you must ruthlessly apply a 3-step framework. You must eliminate, automate, delegate. First, you must eliminate. So here you look at your calendar and you audit every single task. You are probably doing things that bring absolute zero value to your life or to your clients. You are attending useless meetings. You are doomscrolling on social media, and you're creating reports that nobody reads, right? Stop doing them immediately. Second, you automate. So you have to use software and systems to take over repetitive tasks. Stop manually sending onboarding emails. Stop manually booking appointments and let technology do a lot of the heavy lifting. And then third, and maybe most importantly, is you delegate. You have to stop trying to be a control freak. You are holding your business back because you insist focused on doing everything yourself. You should not be editing your own videos. You should not be doing your own bookkeeping or designing your own graphics if you are not the best in the world at those skills or want to learn them. I'm terrible at video editing, so I don't edit my own videos. I hire people who love doing the work that I hate. If you don't learn to let go, you will destroy your physical and mental health. There was a comprehensive study by Gallup on employee and founder burnout that found unimaginable workloads and unreasonable time pressure are the leading causes of severe burnout. You are doing this to yourself. You have to fire yourself from the jobs you hate within your own company. That is the only way you buy back your time. That is how you build a real business that actually gives you the freedom to sleep late if you want to, spend time with your family, and enjoy your life today. Build a life you love today. You have the complete power to design a business that serves your life right now. Stop delaying your joy for tomorrow that is not guaranteed. You can have massive ambition and daily peace at the exact same time. You might be sabotaging your success every morning without even knowing it. Billionaires have specific morning habits that set them up to win each day, and chances are you're not doing them yet. If you want to achieve billionaire-level status as an entrepreneur, It starts with how you begin your day. So let's dive in to the 7 morning habits that billionaires swear by so you can start adopting them too. Are you ready to upgrade your morning routine? Let's go. Habit number 1 is wake up early consistently. Do you hit the snooze button? Billionaires don't. Nearly half of self-made millionaires in one study woke up at least 3 hours before the workday began. By contrast, only 3% of low-income earners billionaires did the same. Waking up early gives you a massive head start. It's quiet, it's distraction-free, and it's time you can use to invest in you before the world wakes up. Take Sir Richard Branson, for example. He rises at 5 a.m. no matter where he is in the world. Why? It allows him to exercise, spend time with his family, and get in the right mindset before business begins. As Branson says, exercise and family time put me in a great mind frame before getting down to business. I like to wake up early so that I can work through my emails before most of the world logs on. That early start gives him an edge. So here's your action step. Start waking up even just 30 minutes earlier than you do now. Use your time for your growth, as we'll cover in the upcoming habits. Gradually push it to an hour or more. Consistency is key. Waking up at the same time each day trains your body and builds momentum. In my book, Your One Word, I talk about the power of defining a single core value. Use your extra morning time to focus on your core value or mission. This will give you a why that makes getting out of bed easier. Remember, the early bird catches the worm. Billionaires catch the worm and conquer the whole farm by breakfast. Habit number 2: Exercise and move your body. Your body is your engine. Billionaires treat it that way by making morning exercise non-negotiable. Dr. Richard Branson, worth over $4 billion, says the secret to his productivity boils down to two in two words: work out. He claims regular exercise is a tool that doubles his daily productivity. It boosts his energy and focus for the rest of the day. If a billionaire running 400+ companies can make time to break a sweat each morning, so can you. Science also backs this up. Morning exercise floods your brain with oxygen and releases chemicals that improve your memory and concentration. Even a quick 20 to 30 minute workout will get your blood blood pumping and your brain firing on all cylinders. Bill Gates starts many days with cardio exercise, often on the treadmill while learning via video lectures. Oprah Winfrey does regular morning workouts ranging from hiking to strength training to stay in peak state. These leaders know that a healthy body equals a more effective mind. Now don't worry, you don't need to train like an Olympic athlete. Just get moving. Do some stretches, do a quick run, yoga, hit the gym, or even take brisk walk. Consistency matters more than intensity. As I often emphasize, building momentum is critical. By exercising each morning, you create momentum of positive energy that carries into your work. You will feel more confident, alert, and ready to tackle challenges. Plus, exercise is a natural stress reliever. So here is your action step: pick a form of morning exercise that you enjoy, or at least can tolerate, and schedule it in. Even 15 minutes daily is a great start. Over time, you can ramp that up. Treat that appointment with your body as sacred. Remember, you're not just working out, you're sharpening your biggest business tool—yourself. As the saying goes, take care of your body, it's the only place you have to live, and it will reward you with sharper focus and higher output all day long. Habit number 3: practice mindfulness or meditation. Stressed out about the day before it even begins? Billionaires calm their mind first thing. Many credit meditation or mindfulness practices as their secret weapon happen for their success. Hedge fund billionaire Ray Dalio, who's the founder of Bridgewater Associates, says, whatever success I've had in life has been more due to my meditating than anything else. This man manages billions of dollars and he gives a huge amount of credit to daily meditation, which was 20 minutes in the morning and again later in the day. It helps him stay calm, think clearly, and make better decisions under pressure. What's so powerful about mindfulness? By taking even 10 minutes for quiet reflection, you train your brain to handle stress and chaos without panicking. Studies show that practices like Transcendental Meditation can significantly reduce anxiety and stress and even improve your mental health and resilience. When you're an entrepreneur, your ability to stay focused and composed is a competitive advantage. Meditation is basically a daily workout for your brain's calm and focus muscles. Successful people use different mindfulness tools. Meditation is one, prayer is another, breathing exercise can work, or journaling. Oprah Winfrey, for example, starts her day with 20 minutes of meditation to center herself. Jack Dorsey, who's the co-founder of Twitter and Square, reportedly does meditation each morning at 5 AM to clear his mind. This isn't just hippie stuff. It's about getting your brain into peak operating condition. When you're calm and centered, you make smart decisions, not emotional reactive ones. So here's your action step. Tomorrow morning, before diving into work, sit in silence for a few minutes. Focus on your breath or try a simple meditation app. If meditation isn't your thing, just try sitting with a notebook and writing down your thoughts or intentions. More on intentions soon. The goal is to quiet the mental chatter and sharpen your focus. In Built to Serve, I talk about finding your purpose. Sometimes you can't hear your purpose because you're mind is too noisy. So morning mindfulness will help you listen to that inner voice and approach the day with clarity and confidence. Habit number 4: Read and learn every morning. Billionaires are learning machines. They make feeding their mind a morning priority. So instead of scrolling social media or news fluff, they read books, articles, reports— anything that builds knowledge. Warren Buffett spends about 80% of his day reading and famously suggests aspiring entrepreneurs should read 500 pages a day. He says that's how knowledge builds up, like compound interest. Now, 500 pages daily might be extreme for you, but the point is never stop learning. Many of the top entrepreneurs use mornings for self-education. Bill Gates reads roughly 50 books per year, often devoting morning time to reading before work. Mark Cuban reads 3+ hours a day to gain any advantage that he can. Elon Musk has said that when people asked how he learned to build rockets, he simply answered, I read books. Billionaires treat knowledge as the greatest asset they can accumulate. The average person might be content with browsing headlines. The billionaire devours information that can spark new ideas or improve their decision-making. Now, you don't need hours each morning to read, but do try to read something useful each day. It could be a chapter of a non-fiction book that you're learning, an industry article, a biography of something you admire. Even 30 minutes every morning can set you apart. One study of rich versus poor habits found that 88% of wealthy people read at least 30 minutes a day for self-improvement. It's a habit that clearly correlates with success. Reading does two big things: it expands your knowledge and it inspires you by showing what's possible. You can effectively mentor under great people by reading their ideas and experiences every morning. So here is your action step: pick a book or learning resource like YouTube that aligns with your goals. Wake up, grab your coffee or tea or whatever you want to drink, and read before you jump into work mode. Make notes of any ideas that jump out and think about how to apply them to your business, your life. And over time, you'll notice that this habit not only increases your knowledge but also puts you in a more inspired, motivated state to start the day. Feed your mind before you feed the world's demands. In a year, you'll have read dozens of books, and your improved thinking will directly benefit your business. This is how you go to bed a little smarter each day, as Buffett says, by starting each morning as a student of success. Habit number 5: Plan your day and prioritize. Billionaires don't wing it when it comes to their day. They take a few minutes each morning or the night before to plan and prioritize what needs to get done. Instead of reacting to whatever comes up, they proactively decide what their day will look like. This often means identifying the number one most important task for the day and tackling it first. As the old saying goes, if you have to eat a frog, eat it first thing in the morning. In other words, do your hardest, highest value tasks first while your energy and willpower are at their peak. Research backs up the power of planning. In Thomas Corley's study of rich habits, he found that 81% of wealthy people maintain a daily to-do list versus just 19% of low-income people. Not only that, 67% of those wealthy people complete 70% or more of their tasks each day. They write down what matters and they execute on it. Writing your plan forces you to clarify what's important. Remember, being busy is not the same as being productive. Billionaires focus on the few critical activities that drive their goals, not the trivial many. Jeff Bezos, for example, schedules his high-IQ meetings at 10 AM while he's still fresh. He refuses to take meetings early in the morning so he can time to think, plan, and get important work done, and even enjoys a relaxing breakfast with family before diving into Amazon business. Bezos said, I do my high IQ meetings before lunch. Anything that's going to be really mentally challenging, that's a 10:00 meeting. He knows he's at his best in the morning, so he protects that time for critical work and decision-making. By 5:00 PM, as he says, his brain is tapped out. So he structures his day to make the big moves early. So here's your action step. Take 5 to 10 minutes each morning to map map out your day. Write down your top 3 priorities. Do this before you get caught up in emails or fires. If you have a major task that could really move your business forward, schedule time in the morning to attack it. Planning doesn't mean every minute is fixed. It means you have a game plan and clear priorities. This will keep you from drifting and reacting all day. As you complete your important tasks, check them off. It builds momentum and confidence, and over time, this habit will make you incredibly effective. Remember, either you run the day or the day runs you. Billionaires run their day starting with a solid morning plan. Habit number 6: avoid morning distractions. That means no phone first. So here's a habit to not do. Don't grab your phone the moment you wake up. Seriously, the average person, about 80% of people, checks their phone within 10 minutes of waking up. That means most people start their day in reaction active mode, scrolling through notifications and emails and social media and the news and other people's agendas. Billionaires break this common habit. They protect their morning focus like gold. So why is avoiding your phone so important? Attention. The first hour of your day sets the tone for the rest. If you immediately plunge into a flood of messages and emails, you're telling your brain to play defense all day. You're chasing, you're reacting, you're stressing. Instead, successful entrepreneurs use mornings for offense— their goals, their mindsets, their plan, as we've already covered. They know Twitter and email can wait until they've taken care of key morning habits— exercise, planning, etc. By doing so, they stay in control. You own your morning instead of letting push notifications and inboxes own you. So think about it. When you wake up, your mind is relatively clear. If you fill it with a social feed or frantic work emails, you've essentially let 100 people in your bedroom shouting demands at you. Top performers often keep the phone on airplane mode or in another room until their morning routine is done. Arianna Huffington, as an example, not a billionaire, but a very successful founder, has spoken about banning devices from her morning routine to reduce stress. Even Oprah is known to avoid checking emails first thing. She'll spend her morning on meditation, exercise, and a good breakfast to ground herself. So here is your action step: don't check your phone for at least the first 30 to 60 minutes after you wake up. If you currently use your phone as an alarm, consider getting a separate alarm clock or placing your phone across the room so you can't mindlessly reach for it in bed. Use that first hour for the habits we're talking about— exercise, reading, planning, etc. If you absolutely must see if an urgent message came in, scan briefly after you've done one positive activity for yourself. Trust me, the world will not implode if you wait to check Instagram or Slack. By avoiding digital distractions, you give yourself the gift of presence and focus each morning. This will make you far more productive when you do dive into work. It might feel tough at first since phone checking is an addiction for many, but stick with it because reclaiming those lost minutes of focus is game-changing. Your brain will thank you and your business will benefit from a more focused, strategic you each day. And habit number 7: Cultivate gratitude and purpose. Billionaires often start their day by feeding their spirit and mindset, not just diving straight into work. This means practicing gratitude, visualization, or setting a clear intention for the day. It might sound a little touchy-feely, but this habit is about training your mind to be positive, resilient, and purpose-driven. When you're grateful and purpose-focused each morning, you carry that strength into every everything that you do. Let's go back to Oprah Winfrey, for example. She has openly credited much of her joy and success to keeping a gratitude journal. In fact, Oprah kept a daily gratitude journal for a full decade, writing down 5 things she was grateful for each day. She says this practice changed her life profoundly. Why? Because it shifts your perspective to focus on abundance and opportunity. When you appreciate what you have, what you have appreciates in value. Gratitude literally rewires your brain to look for the good situations, which is crucial for an entrepreneur facing daily challenges. Harvard researchers found that gratitude is strongly associated with greater happiness and health. It helps people feel more positive emotions, improves their health, and builds stronger relationships. Imagine starting every day feeling thankful and optimistic. Do you think you'd be more motivated and creative? Absolutely. Another powerful mindset habit is connecting with your purpose. Billionaires are often fueled by a big mission, not It's not just money. Steve Jobs had a famous morning question he'd ask himself in the mirror. If today were the last day of my life, would I want to do what I'm about to do today? If many days went by with the answer no, he took it as a sign to change something. Now, that's a pretty heavy question, but it instantly cuts through trivial worries and forces you to focus on what matters. It gave Jobs a daily dose of perspective and drive. You don't have to use his that question by finding a morning thought or mantra that connects you to your why, the reason why you do what you do. In Built to Serve, I explain that when you find a purpose centered on serving others, it ignites you every day. So use your mornings to remind yourself of that purpose. Here's your action step: before you launch into your busy schedule, take a few minutes for gratitude or intentional ritual. This could be as simple as thinking of 3 things that you're grateful for as soon as you wake up, or writing them down in your journal. Feel that appreciation appreciation. Then take a moment to visualize your goals or say an affirmation that aligns with your mission. For instance, you might say, I'm building a business that makes a difference, or whatever drives you. If you're spiritual, you might pray or meditate on your purpose. The key is to start your day heart first, not just head first. When you do this, you'll notice you approach your tasks with more enthusiasm and resilience. Challenges that come up during the day won't knock you down as easily because you've rooted yourself in gratitude and purpose at dawn. So the 7 morning habits of billionaires: 1, wake up early. 2, exercise. 3, meditate. 4, read. 5, plan your day. 6, avoid distractions. And 7, practice gratitude and purpose. Now you might be thinking, that's a lot to do every morning. Start with one habit at a time. Build it up. Consistency is more important than perfection. Even adopting a couple of these habits will give you a noticeable boost in your mood, your energy, and your productivity. The more you can stack together, the more powerful your morning routine becomes. Remember, morning routines set the foundation for your the entire day. If you win the morning, you're far more likely to win the day. These habits are common among the ultra-successful for a reason. They work. They prime your body and mind to be at your best. And as an entrepreneur, your business rises or falls based on your mindset, energy, and choices. By noon, a billionaire has often taken care of their health, fed their mind, knocked out a top priority, and centered themselves on what matters. Imagine how further ahead you'd be if you did same thing starting tomorrow. No more excuses. You do have time for this. Remember, it can all start by waking up a little bit earlier and not letting your phone hijack your attention. Protect your morning for you and the growth of your dreams. And over time, these small habits compound into massive results. Like I say in my book Momentum, success is built through steady momentum, and that momentum begins anew each morning. So now it's your turn. Which habit will you adopt first? Commit to it. Make it part of your identity. I'm the type of person who blanks every morning. Keep going even if you stumble some days. The goal is progress, not perfection. Soon you'll notice you're more in control, more energized, and closer to your goals than ever before. This is how you join the ranks of the ultra-successful, one morning at a time. So you've got this. Make your morning count and you'll change the trajectory of your whole life. All that's left is to start. Get up, get going, and make your success routine a reality. Believe. And congratulations, you're one video closer to who you're meant to be. Believe. To learn the billionaire habits and high-income skills, check the video right there next to me. I think you'll love it. Continue to believe, and I'll see you there. Just working harder will not make you rich. Who works harder, uh, the people at eBay or the people at Alibaba? Sometimes you have not only have to work hard, you have to work smart. I know you've heard this before: harder or smarter, it's the combo. You got to work smart