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Let's be honest. Did you ever sit in class wondering, when am I going to use this in real life? Yeah, listen, me too. You know, I learned how to find X and everything, but nobody taught me about financial freedom or financial literacy. And dang, you know what? Turns out that that's the math that actually matters. Listen, if you ever wished that there was a shortcut to mastering your money without needing a PhD in finance or economics, or maybe to take a time machine back to that one crazy credit card mistake that you might have made, well, you're in the right place. Because today I'm going to break down the money lessons they should have taught us in school. The practical steps that you can use right away. No jargon, no shame. Just real talk, real solutions and maybe, yeah, you know me, a few dad jokes that keep us up. All right, let's have some real talk. Did you ever learn more about parallelograms or mitochondria or even the art of dodgeball than you did about credit scores or investing or wealth? Let's listen. If so, you're in good company. Because I know my high school, they didn't teach me squat about money. I mean, we didn't even have conversations about money. And as a cpa, I'm living proof that you can kind of move through these things, survive recessions. You can survive bad haircuts, think mullets, and the financial fumbles along the way and come out smiling and still have a little bit of hair left. So today, let's toss out the boring textbook. Let's. Let's get real about the money education that you deserved, that you should have had. Fewer quizzes, more laughs. Grab a coffee. Let's do this. I'm going to break it down for you, and we'll make it happen. All right, so the first thing I think we need to start with is this. Financial literacy is the real superpower. Now, I know you're feeling like. Wait a second. What do you mean? Well, here's the deal. I remember back when I got my first job, you know, I was getting paid. I think it was like $3.75 an hour. That was minimum wage way back when. All right? And so I did the math. I worked 40 hours. I was going to get 375 an hour. And I thought I was going to get a paycheck for that amount. And when I got the paycheck, I look at it and it is way less than I thought I was going to make. That's not what they told me to make. That I was going to make. And I was. I'm looking at it and I go, what is this? Who is this person? FICA that I'm paying? You know, and it turns out that FICA is a guy you don't want to invite to a party. What happened was I was not financially educated. I just said, oh, I'm making 375 an hour. 375 times the number of hours. That's the check I get. And I go spend it. I had no idea about FICA and Social Security and taxes and all that stuff. And so this is part of this financial literacy journey. And the reality is that here's a stat. Nearly two out of three Americans live paycheck to paycheck. And that's not just folks that are working for minimum wage. That's the lawyers, that's the doctors, that's even celebrities that are quietly googling things like, how do I cancel my Netflix? Netflix after midnight. You know, financial literacy isn't about being a math genius. It isn't about memorizing tax codes. It's about having choices. It's about having freedom. And without it, you're basically. You're basically trying to win a Monopoly game without reading the rules. And we all know how that goes. You end up mortgaging Baltic Avenue and you just buy a bag of chips. Okay, that's it. Okay. So the first piece of this is to realize that your dedication to financial literacy is the superpower that they should have placed in you years ago. And so I'm going to invite you right now to say I'm going to make financial literacy a priority. And then. I get it. Look, you wouldn't be watching or listening to me or reading my books if it wasn't something that you were interested in or trying to get control of. So we're going to make that happen. But I just want you to know that it's one of the most powerful things around, and we're going to build on. On that. So the first thing that comes to to mind with this is that having a conversation about the money mindset, this is your financial operating system. The mindset's like, like the window system or the iOS system. And if you're still running a Windows 95 kind of thinking, when with respect to money, like money's evil or I'm never good with numbers, then don't be surprised when you're finances don't go. That go well for you because you're running bad programming in your mind. Now, here's the thing to Understand, this isn't your fault. This is not something that you consciously did. Because the first thing that I want you to understand is that all of our money, our wealth, is built on behaviors. It's built on habits. You know, 80% of wealth creation is based on decisions, habits, and behaviors of the past. And I get that that can be confronting, but it should be empowering, because if all we do is change our habits, change our decisions, change our behaviors, we change our financial future. But where do those behaviors come from? Where do they start? Well, they start in the mind, the money mindset. And the challenge is this, is that we are never taught that. We were never discussed. We were never taken a course. And so the majority of our financial lessons are caught, not taught. They're caught by us watching our parents and what they did with money, whether it was they handled it well, or they were fighting about money all the time, or one parent was hiding things from the other parent. Or you watch the media or the social media, or you even watch cartoons growing up and how they portrayed those that had wealth and those that didn't have wealth. All those things become part of our psyche when it comes to money. They become part of our money beliefs, and they create what I call a money set point. And so in this first piece, the first thing that I want you to do is to grab a piece of paper and start writing down some of the money beliefs that you have. I remember one of my first money memories, and I wrote about it in my book. Building youg Money Machine was of my dad. I was five years old, and here I. I see this tower of power. My father in tears because he felt like he was letting the family down. Him and my mom were having a discussion, a heated discussion about money, and him saying, we can't do that right now. We can't afford it. I don't even know what it was. All I saw was this man that was my idol in tears. And I then brought that into my world and said, oh, my gosh, if you don't make enough money, you'll let down the people you love. And that was my observation. But this is the kind of thing that we don't realize, unconsciously get into our system, and they impact and affect and infect how we see money and what we do with money. It could be things. Stuff like money doesn't grow on trees. Oh, did I hear that one a lot? Okay, but let's be honest. It does grow on trees. I mean, come on. But now you flip and you say, well, instead of Saying things like, I'll never be rich. Maybe it's looking at it through a different set of eyes and saying, I'm learning new ways to build wealth every day. Hey, y' all, I just want to let you know that my book, Building youg Money Machine is out. And it debuted at number four and number 24 on the USA Today bestseller list. Number four in business, number 24 of all books, all titles, all genres. It was big time. So if you have not got your copy of Building youg Money Machine, then the first question is, why not? The second question is, when? And the third thing is, go to YourMoneyMachinebook.com, grab your copy, then give me the information from your. Your book so I can make sure that I give you some special gifts, bonuses, and wealth resources to accelerate your path to financial freedom. Let's get to the show. You know, I'm filling my brain and I'm creating a financial brain that gets me to understand this. Okay? It's not some expensive software required. It is literally just an upgrade in your thinking. And when you take the time to write down your money stories, your money beliefs, and understand the underpinnings of them, you can then start to shift them to more empowering beliefs. And this may sound like a whole lot of woo, but here's the thing. I'm a cpa. I'm an accountant. When I started working with people to help them build their wealth, I literally thought I was going to come into their world and say, here's the math, here's the columns, here's the rows, here's the spreadsheet. Just go do this. And I quickly found out that until I was able to help them navigate what was in their head and what was in their heart, I couldn't affect what was in their pocketbook because this is the thing that drives a lot of it. So if you're sitting back, let's just start with this idea of mindset, because I really believed in a lot of these things and I had to unlearn them and relearn what really happens. Because for years, I believed that you had to grind 247 just to make ends meet. Turns out if you build the right money machine, your cash is happy to work the night shift for you as you sleep. And that's my kind of hustle. That's what I want to do. So that's. That's pillar number one. Pillar number two is earning. Okay, turn on your money machine. Turn it on. You can't. You cannot just cut coupons and Think you're going to make it? Deprivation isn't the path to a rich life. We can only cut so much. Now, what happens is that you need to start to look at it and say, well, wait a second. What can I do to earn more? The average millionaire has seven streams of income. That's at least what they say. But the average American has one. Now, I'm not telling you to go out and start to create a bunch of streams of income, because when I did it, I had a single stream of income, and I made sure that I optimized that stream of income to the fullest extent possible. So whatever your primary stream of income is, I want you to focus on it. I want you to build it, I want you to optimize it. I want you to create the skills that will make it happen. Then look for little, little elements at one degree, two degrees off that you can then supplement that income, but not have to recreate something else. Okay, so watch what happens. I was a cpa in order to. To get the projects, I was consulting, I was buying and selling businesses. I was valuing businesses, really what I was doing in order to get those projects, I would go out and speak. Now, at the time, I was speaking for free just because I wanted the project. But then all of a sudden, I said, well, wait a second. The project is where I make the lion's share of my income. But what happens if I. If I asked for a speaking fee when I was speaking to get the project? And so then I got paid to speak, and now I get paid 20 to $25,000. A keynote. But point being is that it wasn't a huge jump from what I was already doing. And I was trying to find a way to make additional money because the bigger the shovel you have of earnings, the faster we can build the money machine, which gets you the faster path to freedom. So when we talk about, oh, you know, millionaires have seven streams of income, they didn't have seven streams of income at the beginning. They started with one. They optimize it, and they built onto it. In fact, I did an episode of the show Talking about the 12 streams of income that I have, the leverage streams of income between the money machine and some of the other things that I do. And it's great, but I didn't start there. I started with one. Okay, so when you start to look at it, say, what are the little things that I can put in to make that happen? So your action here is this. What's one thing you can do this month to earn more. Okay, is it. Is it asking for a raise? Which is a whole different issue. We don't ask for a raise just because we think we're entitled to it. If you're going to ask for a raise, we need to come with a value proposition that says, here's the value I provide and here's what it should be. You know, what it's worth. Or, here's the way I can create more value and become higher paid. It might be that you start to do freelancing or side gigs. Maybe you want to start something small. You know, maybe you sit back and go, I'm going to sell that treadmill that's acting as a clothes. Clothes rack and a laundry racket in the back. But that is where we start to look for things and have an eye for opportunity and continue to do that. Because I remember my first side hustle was teaching martial arts lessons in my garage. Had two students, you know, and the neighbor's dog. That was it. But you know what? I got paid, and it helped pay for my car. It helped pay for the things I didn't start big. Okay, you don't have to start big, but you do have to start. Okay? Pillar number three. This is about savings. Pay yourself first. This, this is. We hear this all the time. As people say, pay yourself first. Pay yourself first. Savings isn't a punishment. It's sending a little care package, package to the future so it. So it takes care of your future self. It's literally saying, here's some money so you can take care of yourself and you're not stuck on ramen or Mac and cheese down the road. And so it's important for us to put ourselves first. This is why the wealth priority ladder is built the way it is, where we start with a comfort fund to make sure that we don't end up in a hole somewhere that it can cover, you know, the deductibles or some unknown expense. Then we'll build to the full peace of mind emergency fund of what I call nine to 18 months. But we need to start that because, let's be real, 39% of Americans couldn't cover a $400 emergency. That's. That's like one flat tire. Or if you're like me, it's one trip to the vet after Budo eats something mysterious in the backyard. All right, that's the thing. So here's your move. And I want you to automate your savings. That means that I want you to go set up a high yield savings account. At one of these banks, make sure it's insured, make sure it's liquid, and make sure it's not. There's no fees to it. And I want you to automate putting 10, 20, 30, 40, a hundred dollars a week to put it aside automatically so you start to build that liquidity, that safety net for you. So the next time the cable guy or the water heater goes out, like we just had to replace our. Our tankless water heater, the next time something like that happens, you're not looking at saying, oh, gosh, which credit card isn't maxed out, but you can look at it and say, I got this, okay? And the funny thing with doing these things is that the first time you set up an automatic savings plan, you'll forget about it. You think that it's going to burden you because you think you're going to be seeing this money going out in and out of your check, and you don't. And then you're going to check it months, years later and go, wow, where did this money come from? Okay? That's the thing that I want you to do. All right? That leads me to pillar number four, and this is tame, the cash flow chaos. This is about your spending. We can't have this conversation if we're not going to control or manage our spending. Now, I am not telling you to cut everything out. I am not one of those. Those folks that says you gotta live on. On ramen and Mac and cheese until you're on your feet. Now, we have to be responsible. Let's just be real, okay? So you can't live beyond your means and think that that's gonna. Gonna work. I mean, I guess our government gets a chance to do it, but we can't. So. So this isn't about telling you what. What to do with every single dollar. But here's what I do know. If you don't tell your dollars where to go, they're going to sneak off in the night just like Samson will when I leave the gate open, okay? And suddenly he's running down the street, and I'm running down the street after him in my pajamas and yelling for him to come back, okay? And we seem to not think about, well, where did that money go? That's because we're not directing it. It's directing us. Or the emotions are directing us. And so this is a time for you to get your arms around where your money's going and to ask yourself, is this really where I want it to go? So it is intentional it's conscious, it's aware. It's not as much about budgeting. Okay? Yes, indirectly you can look at it as budgeting. It's more about planning and directing, okay? It's about saying yes to what actually matters and no to the things that will bury you financially. It is sitting back and say no today, not today to some of that impulse buys, okay? Because if it's an impulse buy, it's an emotional buy. And when our emotions are involved in financial decisions, typically they're not good. So I want things planned out, I want things dialed in and I want you to track what's going on, okay? Because then we have the ability to direct it. Think about it this way. Study of 10,000 millionaires, 79% of those millionaires were first generation millionaires. That meant that they created it in their lifetime. It wasn't one, it wasn't, it wasn't inherited, it wasn't gifted. They created it. So if almost 80% of people created it in their lifetime, that means that you can. But here's the even better statistic. 30% of those never made much more than $100,000. Now that's the cool thing because you start looking at it and go, wait A second, if 30% of those, those, you know, first generation millionaires created it and didn't make more than a hundred thousand, then it's not about making large sums of money. Yes, the more money we make, the more money we have to put towards building that wealth and that financial freedom. But we don't need magnificent sums if we just do the right thing with what we have. So here's the other piece of this. I want you to track every single dollar for the next 30 to 60 days minimum. Yes. Every single one. Every time you drop through a drive thru, every time you go to Starbucks, every purchase from Amazon, I want you to strike. I want you to to track it all. I want you to journal what it was, what it was for the amount and what you were feeling at the time. Because that will help us understand the emotional spending triggers that might be in his place. And so here's the thing. You're gonna then be able to shine a light on some of these things. Not to say you're gonna stop them, but to say that you're gonna have a choice in them. That budget isn't meant to be a straight jacket. It is meant to be like bumpers in a bowling alley. It keeps you out of the gutter, but you can still knock down the pins. But you have all that lane to Kind of work with. So the purpose of this pillar is simply to raise your awareness and consciousness and allow you to be intentional with every dollar that comes in and be specific with what the dollar is meant to do. Okay, that leads me to number six. Number six, the good, the bad, the ugly debt. All right, now I am one that does not believe that all debt is the devil. I just, I don't. I think that debt is a very dangerous thing when we don't do, do it properly, when we don't understand it. Now I do think that all debt has two personality traits. All debt costs, that's called interest. Okay? You're going to pay interest on it. And in a time where interest rates are higher, that interest cost can be dramatic and it can bury us. Okay? If we're paying 20 to 30% in interest, it's hard to get ahead financially and to build wealth. And so I look at debt in two categories. I look at productive debt and destructive debt. Destructive debt is when we use debt to finance our lifestyle consumables. It's the big screen TVs, it's the lavish vacations, it's the designer jeans. It's all those things that are lifestyle, lifestyle related. Those are consumables. We do not use debt to finance them. It is, because what's going to happen is you got to ask yourself, is the pleasure of having it the time frame of that shorter than the payment stream to pay for it? Then it's a consumable and it shouldn't be financed. Now there's productive debt. Now productive debt, that is the debt that we use to build wealth or build cash flow. So it could be a mortgage on a rental property. You know, that's strategic productive debt that we can do. It can still get you in trouble because of the interest cost, but we, we can use it better if we're smart about it. So, so I don't believe that all debt is the devil, but I do think that we need to be careful about it. And if you have consumable, consumables on, on debt, if you have consumer debt, credit card debt, that kind of stuff, we need to wipe it out. Here's an ugly stat. The average household today has over $7,000 in credit card debt. Average. Carrying a balance, that's a lot of money flying out the window. And it's probably for stuff that has lost its benefits long, long, long ago, okay? And the carrying of that debt with high interest costs makes that $7,000 cost you almost double by the time you get it. Paid off. And so here's what I want you to do. This is the action step. If you find yourself in this space where you have, you have credit card debt, you have consumer debt, you have maybe even student loan debt at a high interest rate, okay, it's time for you to get on a debt payment plan. Okay? List every single debt out. The interest rate you have, the balance you have, the, the payment that you make. And you're going to choose one method or the other. The snowball method, which is paying the smallest balance first, or the avalanche method, which is paying the highest interest rate first. I'm not worried about perfection. I am worried. I'm focused on progress. I want you to get in the game and I want you to decide which one I want. Snowball or avalanche. Let me get on a debt payment plan and let us knock this thing out and, and celebrate. Every time we have one of the credit cards paid off, you will feel lighter in the process. Okay? And if you're unsure how to do it, I have a debt breakthrough calculator. It's free. You can go to melabraham.com no debt. Put it all in there. Do it for yourself, do it for your future. Get out of debt. Now that leads me to the next number six. You gotta invest. Okay? Investing is the key. You got to let your money go out there and make some friends. That, that's bottom line. Investing is like cloning your money, only it's legal is the reality. You cannot win the wealth game sitting in the stands or sitting on the sidelines. You have to be on the field playing the game. Okay? And the only way you, you get on the field playing the game is to start investing. Now. I get it. You may not have a clear understanding of, of what to do for investing. And there's some simple things to do. Don't get caught up in all the memes and the sexy stuff. Your investing should be boring, but it's more consistent. Follow me for this. We will talk through it. I talk about it in my book. I've got trainings on it, how to invest, and how to do this in a simple way. So it's not complicated and it's easy to do. Okay? And here's the thing. I don't care if you're just investing $10. You don't need to wait till you have thousands of dollars to invest. In fact, you shouldn't, because time is your greatest wealth lever. So start with the $10, put it in a high yield savings account. Then we'll put it in an ETF $20, $30, $100 a month for 30 years at 8% is going to give you almost $150,000. That's a hundred a month. What happens if we double it or quadruple it to 400? Now we have some meaningful numbers. It's not about. About large dollars. It's about consistently getting in the game. This is about timing the market. This is about getting you in the market. No one has a crystal ball. I don't have a crystal ball. Do I? Do I know if the market's going to go up? Yes, the market goes up. Eight out of 10 years, it's going to go up. Do I know if the market's gonna go down? Yes, the market's gonna go down. It's part of the cycle. I just don't know when it's going up. I don't know how long. I don't know when it's gonna go down. And if someone tells you they know? Absolutely. If the market goes up tomorrow or the market goes down tomorrow, run. Cause no one does. Even the best hedge fund traders do not have the ability to predict that nowhere long term. Get in the game. Allow the game to work for you. Okay? So I remember my first investment. It was terrifying. And literally. And Murphy's law. I literally made the investment, and the market dropped. So I lost money immediately. And I freaked out. I was like this. I was watching it every day like I was this nervous parent on a playground, okay? But I stuck with it. I stuck with it. And you know what? The money grew. The money grew, and it grew, and it grew. So if there's some confusion about accounts, if there's some confusion about where to go and what to do first, I have a guide that you can grab. It's totally free. It's called your investing accounts demystified. So go to melabraham.com demystified and grab it. Go through it. It'll walk you through setting up the accounts and getting it dialed in, but we get you in the game. All right, that leads me to pillar number seven, y' all. We got to protect ourselves. We got to protect ourselves. This is a bit of the. The broccoli of personal finance. It's not flashy, it's not glamorous, but you'll be glad that you did it. 60% of Americans couldn't handle $1,000 emergency. I don't know about you, but that's not even a full root canal. And it wouldn't have paid for my new water heater. Okay? So the challenge is this. If we're going to protect ourselves, there's two ways to protect ourselves. One, we need to be smart. But beyond that, we need to have liquidity. That is the emergency fund or the peace of mind fund. And two, we need to have insurance. Now, I am not here to sell you insurance. I don't sell insurance. But there are certain insurances that you want to make sure you have in place to protect you if something, God forbid happens. And so the first piece is this. Let's get you an emergency fund. Let's get your liquidity in place. Now, I know that most pundits will say three to six months. I have for years said three to six months is too, too short. I want you to look at nine to 18 months. And I explained that in one of my other episodes that I'll make sure that we hook up here to, to show you why that I think that's important. Now you're not going to jump to nine or 18 months. You're going to start with one month. You're going to start with 1500 dollars. You're going to start with 500 dollars. You start somewhere and let it take months to build. But get it built because I guarantee you when something happens, and it's life, life will happen. And when life happens and you have that cash available to take care of that unplanned situation, you're going to feel a whole lot better. Okay? So I want you to start putting money away. Use a high yield savings account. You don't put this in the stock market. Use a high yield savings account. So it's insured, it's making some money, it's at least keeping pace with inflation or just a little bit above it and it's fully liquid. Okay? And then build it from there, okay? The other thing is this is to, to sit back and look at your insurance. Okay? Now the primary insurances I want you to look at are health, car and if you have property. Property and possibly life and possibly disability insurance. There's a bunch of other things, but I get it. Look, insurance. Who wants to talk about insurance? Insurance people, look, they're not fun people to invite to even parties, I hope you know, but they are lifesavers when your chips are down. Okay? For instance, when I had my bike accident, I flipped my bike. I ended up with a grade four concussion. I was stuttering, I had no feeling on the right side. I was laid up for a while, going through therapy and my disability insurance wrote me a check for over six Figures to allow me to pay my bills, do my thing so I could focus on healing. Disability insurance can be powerful. Health insurance, the same thing. You know, when I was diagnosed with a cancer man, I am blessed to know that we have really good health insurance through my wife's company. So I was able to pick my doctors, do my thing and get taken care of. More bankruptcies are caused by medical bills than any other cause. So having the right health insurance in place. Look, I get it. Our health, our health system here and health insurance system here is messed up and needs to be revamped. But it is the system we have and we have to operate within it. So let's make sure that we don't allow a health situation to create a financial situation. And so making sure they have the right health insurance with the right deductibles, you might be able to do HSA plans, It's a whole different discussion. And then car insurance, auto insurance, okay, you're driving the car, it's required to have certain insurance. But you might want to, if you're earning money and you're building assets, you might want to go above the minimum liabilities because God forbid something happens, you're protected. Okay? And then a real quick thing on life insurance, if someone's depending, the reason you get life insurance is not to make someone else rich, is to take care of the people that are depending on your income if you're not there to earn the income. So you look at things like life insurance, I want term insurance. I don't want whole life. I don't want some, some fancy insurance product that costs a lot, a whole lot of fees and commissions. And the only one that makes out on it is the insurance company and the person that sold it to you. I pay for the insurance through term insurance. That's it. And at some point, like I don't have life insurance now because we don't need it because we're self insured, but you have life insurance to replace the income for those people that are dependent on your income. So that's, those are the insurances I would look at to protect yourself. So where do you go from here? I'm gonna give you a 30 day plan. 30 day plan. This is your 30 day money makeover. Follow it for 30 days and we'll get you rocking and rolling. All right, this is a boot camp, but it's a boot camp without burpees. So 30 day challenge. Here we go. Week one. Here's what I want you to do. I want you to upgrade your Mindset and I want you to brainstorm ways to earn more. That's it. Focus on breaking down the money stories and the money beliefs, where they came from and what's the reality. Okay. Focus on listing out possible ways to earn more money so you can get a bigger shovel of income. That leads you to week number two. On week number two, I want you to automate your savings and track every dollar. That means you're going to open up a high yield savings account. If you're not sure where, go to bankrate.com look for the best high yield savings accounts there. And you open up a high yield savings account. And I want you to automatically have money transferred every time you get paid. Every time you get paid, it gets moved to that account and you start to build your liquidity, your safety net, your emergency fund and peace of mind fund. At the same time, I want you to journal and track every single dollar that goes out, primarily for your awareness. Now you're going to be able to categorize them and say, hey, this is something I need, this is something I want. And then these are things that I don't really need them anymore. So you're going to cut the things you don't need or you don't want anymore and you take that money and route it to your investing. Okay, week three, it's time to attack your debts. Okay, but when I attack our debts and we're going to start investing at the same time, no matter how small. So we're going to get you on a debt payment plan. Go to go get my debt breakthrough calculator. If you don't have a path to do that, let's make sure that you're on an avalanche or snowball method to get your debt paid down and get on that payment plan. And let's get that albatross off your back. At the same time, I want you to start investing or putting money away to investing. Even if it's $10 a week, $10 a week is fine. It's exercising the muscle. Remember, it's habits and behaviors. We're creating habits and we're creating good wealth habits to do that. That leads me to number four. Week four. Week four. It's time to protect your progress. I want you to make sure that you, you've got your emergency fund in place and building so you've got it dialed in. It is a priority and it's getting built. And I want you to review all of your insurances to look at and say, do I have a gap here? Should I Increase it? Should I adjust it? Do I need additional review them? Review the deductibles, Review what's covered. Review what's not covered. That's it. This is your financial boot camp. You do it and it's. It's. It's not one of those boot camps where. Where the sergeant is standing over you yelling at you. I'm not yelling at you. These are just real moves. This is real progress. This is putting more in your pocket, and it's putting you more in control. This is the path. Let's keep it simple. Let's drive it forward, and let's do it together. Okay, listen, nobody handed you a rule book for money. I didn't get it either. They just threw you in the deep end and they said, yeah, you'll figure it out. You'll figure it out just like you figure out how to swim. But now you've got a playbook. You've got a playbook to work from. So the question is, what are you going to do with it? See, your story, it's not written in stone. And you're still breathing. So you're still in the game. And you get to call the next play and you get to continue to write your story the way you want to. So here's my thing for you. Go through the 30 day challenge, go through the four weeks. Let's get it done together. And do me a favor, if this makes sense to you, let me know which one hits you, hits home for you. Let me know which questions you have. What is the weirdest thing that. That you ever bought? Maybe. I don't know. You know, no judgment. No judgment, okay? Unless Maybe you spent $200 or more on a singing fish. I don't know. But. But just make sure that you are in this game. Let's engage. And let's have some fun with this because I promise you, some minor changes, some small changes over time will make dramatic impacts on your wealth, on your life, and on your financial freedom. And I want to be there to celebrate you each and every way. So if you haven't done so already, smash the like button, hit the subscribe button, and stay with me for more money wisdom, more money things, a few dad jokes, and a dangit moment every once in a while. All right? Remember, I want you to live by choice, not by chance. Now it's time for you to go out there and do it. All right? Until we get a chance to see each other in another episode, as I always say, always, always strive to live a life that I'll see you in the next one. Cheers. Thank you for listening to the Affluent Entrepreneur show with me, your host, Mel Abraham. If you want to achieve financial liberation to create an affluent lifestyle, join me in the Affluent Entrepreneur Facebook group now by going to melabraham.com group and I'll see you there. Foreign and that's it for this episode of BUILDING YOUR MONEY Machine where we help you learn how to master your money, eliminate financial stress, and live a life of choice. If you found this valuable or helpful to you, here's what I'd love for you to do. If you do me a favor, go to Apple, Apple Podcast or wherever you're listening to this podcast and rate and review the show. It helps us tremendous, tremendously to keep us at the top of the list so we can continue to get this information and this message out to people. Because I truly believe that financial freedom is your birthright and I want to help each and every one of you claim it. Thanks so much.