Fleet MaullThe Entrepreneur’s Zen Master

What if money doesn’t change who you are, but magnifies who you already are?

18 May 2026 · 1 min

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In this short monologue, the speaker introduces a personal‑finance framework that distinguishes “today money” (the cash you spend now) from “tomorrow money” (the income you’ll generate in the future). He argues that every dollar not spent today becomes future income, and that adopting a disciplined habit of saving 20‑30% of earnings can turn today’s restraint into tomorrow’s financial security, potentially lasting 30‑50 years. The speaker works primarily with clients in their 20s and 30s, praising them when they make decisions that align with this long‑term mindset, reinforcing the behavior. The overall message is that money itself doesn’t change a person; it amplifies existing habits and attitudes, so cultivating disciplined saving early magnifies future wealth.

Chapters

You know, I like to think of it as today money and tomorrow money. We don't want to only think about today because tomorrow is going to be here before we know it. We don't want to only think about tomorrow because that makes today not that much fun. So there's some spectrum between the two that each client has to figure out for themselves. But every dollar that you don't spend today is income for you in the future. If you can get that concept, if you can get and understand and truly make into your DNA the discipline that it's like, wow, if I save 20 or 30% of today, that will then provide me with the income for tomorrow. And tomorrow could be 30, 40, 50 years from now, but that is it. And so I work with young people in their 20s and 30s, and whenever they do something that I really think is like, wow, that's great, that's right on, I of course give them lots of praise.