The Smartest Order to Invest Your Money (Step-by-Step)

Hey there, real quick, before we jump into the episode, listen, if your earnings treadmill hasn't set you free yet, running faster won't either. Listen, hustle without principles just going to burn you out. So here's what I want for you. I want you to join me for my money machine experience. Live. It is three free trainings. Deep dive into how to escape the treadmill and build a money machine that actually works for you. All right, grab your spot here by going to moneymachinelive.com and I'll see you in the free training. If you ever felt like you're doing everything right with your money, saving, investing, being responsible, but you're still not getting ahead. You're not broken. You just have been taught the wrong order. See, in this episode, I'm going to show you the smartest sequence to invest your money step by step, so you can finally feel confident, calm, and in control. I'm Mel Abraham, and this is Building youg Money Machine, where we help you master your money, eliminate financial stress so you can live a life of choice. Let's dive.

Most people don't lose money because they pick bad investments. They lose it because they're investing in the wrong order. They're chasing returns before they build the foundation or the resilience. They. They skip the boring steps that actually create freedom. And then they wonder why their bank account just seems to look like a roller coaster at Six Flags. That's the challenge. Because wealth isn't built randomly. It's built systematically. Okay? And when you get the order wrong, you lose peace of mind. It's no different than getting the order wrong in a cake recipe. You can't just throw the ingredients in the bowl. You've got to do it within a specific order and specific kind of.

Doses to make it happen. And I'm going to walk you through this here, because you know that when you start to do this without an order, you're scattering it. You got a little bit in savings, you got a little bit in crypto, and you got the rest of it in doordash. I mean, and then you're shocked when your finances look like a confetti parade. You know, after winning the World Series and things like that. I mean, the problem isn't your effort, it's your sequence. And every dollar needs to have a job description. That's what creates financial flow. The challenge is this. I mean, think about this. If you were going to hire 10 employees, would you hire 10 employees, bring them into the conference room and say, hey, here's the Deal. I do things differently here. You'll notice that I didn't give you any job descriptions. I didn't give you any roles. I didn't give you any goals. I didn't give you any tasks. But I want to double the business in the next year or two. Go. Let's have had it. Okay? I mean, do you think that it would be successful? I mean, look, there's no way. But that's actually what we do with our money. Often. We're. We don't have a plan for our money. We don't have a job description for our money. But the key is this. Every dollar that comes into your life needs to have a job description before it ever comes into your life, okay? Every dollar. And that's what allowed me to create something that I call the wealth priority ladder. It's one of the frameworks in chapter 12 of my book, building your money machine. And literally, it's your hiring plan for your dollars. And I'm going to walk you through it, because when you follow it, your money stops wandering around like a bored teenager. It starts working with purpose. It starts doing the things it's meant to do. And when you do it right, you are maximizing your wealth and optimizing your cash. Okay? If you were building a house, do you think they would start with the rooftop Jacuzzi first? No. So this is what we do. So I'm going to break it down for you. I'm going to show you what it is. And it is broken down in phases. And the first phase is the foundation phase, okay? And it is about building your base of stability and peace. We need the good foundation, okay? This is the unsexy face, but it's what buys you peace of mind. And that peace of mind is actually the sexiest financial flex there is, okay? To be able to be at peace when everyone else seems to be panicking. All right? So let's just. Let's just look at what this looks like. And so phase one, this is the foundation, okay? And the first piece is something that I call comfort. I call it a comfort fund. Now, this is not your emergency fund. This is where you start to look at. What I want people to do is I want fifteen hundred dollars or one month's expenses, whichever is greater. This is. This is actually the place where. Where you get to a place where you don't have to panic, where you're sitting back and saying, okay, I got a flat tire. I cracked my phone. I have a deductible for my medical because I had A medical claim or. Or a car accident or something, or my dog swallowed the sock. The bottom line is this keeps you from going and swiping that high interest card, interest debt credit card, and it allows you to stay away from buy now, pay later, regret later. Okay, here's the fun fact. Okay? 44% of Americans, 44% of Americans, they say can't, can't cover $1,000 emergency. Now, that's not a stat. That's a panic attack with a mailing address. This fund, this. This fund, put it in a high yield savings account, will buy you control, and control buys you confidence. That's the first rung. That's it. Okay. And if you're trying to figure out, well, how do I get this fifteen hundred dollars or this one month, the first, you can do it with side gigs, you can do it with overtime, you can do it with. With other things. But the first thing I might do is like, literally, if I needed cash really quickly, I would literally go into my tech closet. I got cameras, I got gear that I'm not using. I would look around for stuff that you're not using and say, God, I don't use this. Put it on Facebook Marketplace and sell it and see what you can come up with. Put it away. And now you're done with rung number one. Okay, so now we get to the next steps, the next rungs of the ladder. And these are still part of the foundation phase, but we do these steps together. And I'll explain the steps to you. But it's very different than some of the commentators. There are people out there that say, you must be completely out of debt before you start doing anything else, so get yourself out of debt. And I understand the mentality because logically it makes sense financially, economically, it makes sense. Mathematically, it makes sense. The more I can put to the debt, the faster I get out of debt, the faster I get this albatross away from my neck. But I think that there's a cost to doing that. And the cost is, is that you're not developing the skill set, the muscle set for wealth creation. I believe that that debt management is very different than wealth creation. And it's a different muscle group and it's a different mentality, and I think we should be doing them together. Okay, now, it doesn't mean equal just at the same time. So. So there's. There's two steps at step 2A and a step 2B and step 2A. And to be. This is all about. I call this consumer and this is about getting out of your destructive debt. Now I get it, debt's a four letter word. But I don't believe that all debt is evil. I just don't. Because some debt actually builds assets, some debt actually builds income. That's productive debt. That's something that I think strategically when you use it makes sense. A mortgage on a rental property, the financing of a piece of equipment for a business, okay, that's productive debt. Destructive debt, however, is consumables. It's lifestyle debt. It's the big screen TV that you can't afford. It's the car that you have to finance over seven or eight years because you can't afford it. That's destructive debt. That's like eating your cake for breakfast, great for five minutes, but then it crashes. You crash with the blood sugar and all that stuff and that's what's going to do to your wat. So, so if it's not raising your net worth or your cash flow, it's destructive. End of story. That's the way it is, okay? In this rung, if you have consumer debt, if you have destructive debt, you're carrying balances on credit cards, things like that. I'm not talking about your mortgage, I'm not even talking about student loans, unless they're high interest student loans. Then we need to put you on a debt payment plan. That's the next step. Okay? Now the debt payment plan can be avalanche. An avalanche plan or a snowball method. The avalanche method or snowball method. Here's, here's the difference. Snowball method is popularized by Dave Ramsey. And what you do with it is you put your smallest balances first. You put as much money to the smallest balance while you're paying minimums on the rest. And then when you get done with that smallest balance, you move everything to the next smallest balance and you keep doing it until you pay your debt off. And the reason, the reason Dave likes it is because you get quick wins. The smaller balance, quick wins. Okay? The avalanche method on the other hand, is you rate them in the, in the rating of, of highest interest rate first. So you, you put all the money towards the highest interest rate first and then you go to the next highest interest rate. So the avalanche method mathematically reduces your interest and pays the least amount of interest, but it may not get you the quick win because you might have a higher balance to pay on it. So Dave likes the snowball method because he wants psychologically for us to be a win. I kind of like the avalanche method because I think, hey, I'm just a math dude. I'm a nerd. That's the quick. That is the best way to minimize the interest that I'm paying. The Visa, MasterCard, Discover, whatever it is.

And get me out of debt. I don't care which one you use. I care that you have one and that you're using it consistently. That's the most important piece of it, is that, that you're doing it consistently in making it happen. So. And if you want help with that and you're not sure about it, I've got a debt breakthrough calculator that you can grab. You go to melabraham.com no debt. It's free. And it's a template. You put your debt in your payments, your interest rates and all that. And you can check and say, what does it look like if I do avalanche? What does it look like if I do snowball? And just decide, okay, and. But the key is this. Get yourself on a debt payment plan. So you, you make it, you get yourself managing it. Because if you still are trying to get ahead while you have high interest debt and you keep going deeper into debt, that's like Visa still living rent free in your mailbox. Enough. We got to stop it now. That is 2A to be. Is, is. This is this idea of what I call a peace of mind fund, okay? This is, this is not an emergency fund. We will start with an emergency fund when we're building this emergency fund is three to six months of your, your survival expenses. You know, room, board, food, health, clothing, transportation, shelter, those kinds of things. It's not your mani pedis. It's not the other thing, other stuff it is, it's your survival, okay? Three to six months. You want, you want that in a high yield savings account, okay? Now I call it a peace of mind fund. When you move past that, I want people to go to push to nine to 18 months, you know, over time. I don't want you to do it overnight. I want you to do it over time in a high yield savings account and everything. Because you're sitting back gone. If there's truly a life event that takes you out of the game for a while, you're going to need more than three months. I mean, unless you have additional income streams and other things. That's the challenge, okay? The beauty of having the money machine and building it this way is like when I battled cancer, I could shut everything down. I could stop. I could focus on the things that actually, actually mattered, and that is fighting the cancer, okay? And Healing the cancer while the money machine was just running in the background. And that's what this does, is it gives you freedom from panic. These dollars, this segment, these dollars aren't meant to make you rich. They're meant to protect you. Their job is to give you calm confidence, keep you covered. Okay? And so, so you can look at it from that perspective and really start to build it. Now I told you I believe that these should be done together. And here's what I mean by this, okay? If we do this, I believe that we should be doing these together. And why I say that is that I want to exercise the mentality and the muscles that it requires to create wealth at the same time that I'm obliterating the debt. Okay? I'm not going to wait. I want to get it done together to make it work. Okay? Now that doesn't mean equal. So if I happen to have an extra $500 that I can put towards debt and use it to build this peace of mind fund or emergency fund, then what I may do is, is at the beginning is I might put $450 towards the debt and $50 towards the, towards the peace of mind fund. Okay? So I'm putting 90% towards debt, 10% for, towards wealth creation and that kind of thing. But I am exercising both muscles at the same time and, and you can adjust that as, as you wish. But I want to get you out of debt as quickly as possible. But I don't want to forsake building the mindset, the literacy and the muscle group of building debt. Now if you happen to be in a situation where you're not sure where you're on the financial freedom journey, one of the things you can use is my Financial Freedom Zone quiz that will you answer a handful of questions, will take you a couple minutes and it'll give you a report says here's where you are on the journey, here's what to focus on, here's your next steps. Okay, we'll hook it up for you. You can go to your Financial Freedom Zone quiz to grab it, but that, that will help you out on this journey. Now that leads us to this next phase. Phase two of the wealth priority ladder really is about the freedom phase. This is where we put your money to work for you and everything and, and we're going to break this down. We'll go in a little deeper on this because this is where the fun begins. This is where your money starts to clock in. No more coffee breaks, no more complaints, no pto. It is Working for you. Okay? And so this is what I call freedom. Now, the general rule here, the general rule here that I have is that I want you to invest 20 to 25% of your income. Now, if you're younger, you might be able to start at 15%. If you're older, we might be pushing 30%. But this is when we start to make investments, actual investments. Everything else was the foundation to protect us and to build on. Now we're making investments, and we're getting our money to work for us. And we're going to make investments in a very particular and specific order because we want to take advantage of all the things that are available to us. Now, some of these may not be available to you, but I'm going to walk you through them because. Because I think it's interesting, people will say, well, where do I invest? Well, I think that there's a hierarchy and a recipe for that, too. And so let's walk through it. The first thing I want you to look for in your world, in your life, is do you have access to what I call free or discounted money? Okay. And here's what I mean by this. If you happen to work for a company that has a 401k, okay, if you happen to work for a company that has 401k and they match, that's an instant 100% return. Why are we not getting it? Okay, so the very first thing that I want you to do when you have money available to invest is to make sure that you're capturing 100% of the employer match. Because if I put in $100 and the employer puts in $100, by any stretch, any kind of mathematics, that is a 100% return. Okay? So I want to look for opportunities to get free money or discounted money. Now, what's discounted money? Well, my wife works for a publicly traded company, and we have an opportunity every year to buy stock in that company at a 10 to 15% discount. Now, we can buy it at 10, 15% discount. We can sell it and we make 10 or 15%, or we can hold it and see if it grows even more. But the point is, again, there is. There is free money, discounted money on the table. We should. We should really look at it and say, how do I get a hold of that? Okay, we don't. Just leave it. Think about this. If I came into your house and I started dropping $100 bills on the floor, okay, I'm not going to do that. But. But if I did, would you Pick them up or we just leave them on the floor. My guess is you're going to pick them up. Well, that's what this is like. The employer is coming in and dropping hundreds of dollar bills on the floor and it's saying to you, you put one on top and you can pick up both. It's a good deal. Make sure you do it. All right.

The next group of accounts where we would put money is what I call tax advantaged. Okay. This, these accounts could be, are going to be like things like your Roth ira. This is where you now start to take advantage of tax elements that are at play. Now if you happen to be in Canada, the uk, you have similar accounts there that will still play into this. Look for tax advantaged accounts. You want to get tax smart here. So for instance, if I can get into a Roth, if I qualify because there are income limitations to doing it. And if you have too high income, you can't go directly into Roth. But right now, as of the recording, you can put $7,000 a year into a Roth account if you have earned income of above that. And if you're 50 or older, you can add another thousand. So $8,000 a year to make that happen. But the beauty in this is that you don't get a tax deduction up front, but all the growth, you get it invested. And we'll talk a little bit about that. You get it invested, all that growth is 100% tax free. You'll never pay a dime in tax on it. So if it, if it grows to hundreds of thousands of dollars, you take it out tax free. It's a wonderful account. Okay, this is also where I would look back to the 401k and say, okay, I got all the match in the last step in step 3A.

What about the 401K? Now let's max the 401K out. Okay, that, that could be, you know, 23,005 as of, as of the filming of this, if you're over, over 50, you can push to a $31,000. So this is where I would, I would start to max out the 401k. I would also, if I'm part of a qualified plan, look at an hsa, a Health Savings Account. Now a health Savings account is really powerful. It's a triple tax advantaged account that allows you to put money in and take a deduction for it so you don't pay tax on it. You can invest the money and allow it to grow just like a Roth account, tax free. And if you Take the money out for qualified medical expenses. You never pay a diamond tax on it. Okay? This is basically a stealth retirement account wearing scrubs. Okay? Now there's limits. You gotta put. You can only put $4,300 in currently, if you're single, you put $8,350 in if you're a family. If you're over 55, you can put an additional thousand dollars in, okay? But in order to have this, you have to have a qualified high deductible health plan. Okay? I don't have it because of my past cancer and all that stuff. But if you qualify and you have a high deductible health plan, you can get, it can get an hsa and you can use this as a wonderful account for growth and everything. It's one of the tax advantaged accounts that then moves us to the next category. And the next category, I call it traditional and super investing. This is where we start to push beyond the typical investing. Okay, you, this is where you would do things like a backdoor Roth strategy, okay? If you're, if you're over the high, the high, the income limits for the regular Roth, then what you can do is do what's called a backdoor Roth strategy, which is perfectly legal. Although the idea that we call it backdoor makes it sound like we're getting something over on. But it's totally legal. And the way it's done is that you contribute to a traditional IRA first. Okay? Non deductible, non deductible, okay? You let it sit for a couple days in cash, you don't invest it, then you convert it to a Roth ira. And since it was a non deductible traditional, you don't have a tax on it because you didn't pay, you didn't take a tax deduction for it. And there are no income limits for Roth conversions. So it's perfectly legal. Now there are rules here. So I don't want you going off and doing this based on the video. I want you to make sure you get a good advisor that guides you through it because there are some limitations and rules here, like a five year hold rule. And if you have other pre tax IRAs, it can trigger a tax. So don't go off and doing this without making sure that you checked all the boxes and looking at it. But this is a place where we would look at backdoor Roth strategies. Okay? The other thing that I might look at here is something called a mega backdoor Roth. If you're part of a 401k that allows after tax contributions. This is a complex strategy and you got to work with your HR and you got to work with an advisor to make sure you do this right. But you can actually put money away up to $70,000 or so.

As of the current rules between the contributions, the employer match and your after tax stash. But there has to be some parameters in the plan to allow for this to make it happen. You're going to want to check on it. But if you're looking for a place to try and put away and this is something that gets disregarded, look for that and say, can I do a mega, mega backdoor on this? Do I have the ability? Does the 401k allow for that? Talk to your employer about it. Okay, this is then also I said traditional is where I would put our traditional brokerage accounts. Okay? This is going to be your schwab, your vanguard, your. Your fidelity accounts. Boring. Because boring builds. Okay? And then you're gonna invest in most of these. You're gonna invest in low cost ETF or index funds. You're not gonna get complicated. You're gonna keep it very, very simple. Low cost index funds, ETFs. You can build a three fund, a four fund, a five fund portfolio. I've talked about those in other episodes. Like you can try a three fund portfolio is like, I want simplicity. I don't need you having 30 funds. I mean. Cause that's drama, that's not investing. Okay, so you could. If I want the total stock market, I can use something like a vti and I get the total US stock market. I get total international stock market with like a VX us. I'm not telling you invest in these. I'm giving you examples. And then I have a portion that's in bonds with BND or something. Okay, you can do some other things in there like adding small cap or REITs or materials and that kind of thing. But all I'm getting at is that here's where you start to really build out your portfolios in a simple, easy way. Because if it's complex, it creates friction. Friction creates risk, risk creates loss. And if it's complex, we don't stay in the game. Keep it simple, keep it, keep it boring. Stay in the game. All right, that leads me to this next category, this next, next element, the last, last little category. And I call this alternatives. And this is where I'll put real estate. Now you might go, wait a second, you're putting real estate way out in the boondocks. Well, I am And I'll explain why, but this is where, where you will make your more speculative, illiquid investments in and that kind of thing. So, so why I put real estate here though is this. I love real estate, but I don't love it when you first start out. Remember, our job is to be to have an unshakable foundation, something that, that you know you can build from. And here's the challenge. To get into a real estate deal takes a lot more capital, a lot more cash than it does to get into an ETF or an index fund. I can get an ETF index fund for 100 bu bucks. But in order to get into a real estate deal, I might need 50,000, okay? If I take. If I had 50,000 and I had a real estate dealer or.

The ability to put it into a portfolio, 50,000 might get me one real estate deal, one building, one property, okay? And I get the debt and I get the leverage, I get it. But that 50,000 could buy me thousands of stocks. Meaning I have diversification, I have reduced risk, I have liquidity. Getting in and out of a real estate deal has friction because you have selling costs, exposure to the market. You have all those things. But more importantly, here's why I push it up a ways. Push it up a ways, because if you buy the deal wrong and it's your first deal, it can destroy you financially. Had a friend that bought an office building, and it was a small office building, but it was an office building. And he decided he wanted to do some work on the roof. And when the contractor came in, he noticed, hey, there's asbestos up here. So now what did he have to do? He had to remove all the tenants, he had to remediate the asbestos, which cost him $150,000. Took a little over three months to do. Then he had to do the contracted work he wanted to do, and then he had to find new tenants to put in the building, okay? But in the meantime, he still had to make the mortgage, he still had to make the insurance, he still had to make the property taxes, still had to pay the utilities, and he had no cash coming in. See, the lack of diversification with the real estate and the need to have capital to sustain it if it's bad or just to get into it is what gets me to sit back and go, let's push it up a little bit until we have critical mass in our portfolio to sustain ourselves if things go awry. Okay? Now I can hear some of you right now going, well, but wait a second, Mel what happens if I have. I want to save for a down payment on a house or I have a wedding coming up, or I'm going to take a sabbatical? What do I do about big purchases? Where does it fit in? What's his deal? If you have big purchases come in, we pause some of the investing. We split it. We need to save for those big moments. You don't put them aside. We still want to live, okay? So wealth isn't about living later, it's about living better. So we just adjust it. And if we have to pause some of it, we pause some of it to. Because if the baby's coming, the baby's coming. If the wedding's coming, the wedding's coming. Okay, so we do that. Now it's at this point where I start to then look at property. This is your residence, okay? This is where I might accelerate my mortgage payments, okay? I'm not talking about rentals. I'm talking about your, your, your residence more than anything else. But this is where I might do this, where I start to pay down the property. You have the option, not the requirement to, um, it's. It's a choice. We're not paying down because I've got a low interest rate loan on this. We're not paying it down at an accelerated pace. We're just going to let it roll, okay? Because we're making much more in the market right now. And now I could write a check and pay it off today if we wanted to, but we're not going to do it. But this is where I would look at. And then we go to, to step five. Now, step five, this is something that is somewhat of a hot take. So, so bear with me on this. And that is this college college for you kids, okay? This is where you can fund your education. But here's my belief is that you have no obligation to fund your child's education. And I know that some people go, what are you talking about, Mel? Well, here's my thinking on this. You need to take care of your future. You first. Then we can talk about it. And this is why I say that this is optional, where you can start to put custodial Roths in place and five to nine plans and things like that. But, but hear me out on this. Your financial future is coming. You're going to retire one day. Whether it's by choice or by health or what have you, you're going to retire. And when you retire, how are you going to live? Because if you don't build your money Machine. If you don't build it, what choices do you have? You can't go get a loan for your retirement, so you're stuck with government handouts, Social Security, or your kid's couch. None of that sounds good. So what I'm saying at this step is that if you don't have your future secured, doesn't mean it has to be fully funded, but it is being funded fully. Okay? You're putting your 20 to 25% away. You have a plan in place. You know you're going to get there. Then we can look at the college. But if we don't, we don't look at the college. And the, and the. On the other side of it is to look at the kids and say, hey, you got to get involved with your college. In other words, you got to do some things like get good grades, look at grants, scholarships, work programs, all the things. Because there's a lot of different ways to pay for college, but there aren't a lot of ways to pay for your financial future. You don't do any good to your children to pay for a great college degree. And you struggle and they now have to support you. Okay? That is why I say this. This step is optional, okay? Until you know that your future is secure. Then we look at it and say, okay, now we can. We can do it. And now that moves us to phase number three. And phase number three, this is affluence. This is about legacy and generosity, and you should be generous the whole way up. But this is where you are living your affluence vision as we talk about it in the money machine blueprint. This is where your money machine is running without you. It's funding the vision for your life. It's behind the missions, it's behind the movements, and it's giving you the choice and everything. Leaving a legacy isn't the issue. Living the legacy is. It's not just dollars. It's how you live. Okay? So here's the trick. As I look at closing this out, and hopefully this started to give you an idea of the order in which to do some of this stuff. And if you want to go deeper on the wealth priority ladder, get my book, get my course, okay? But when you look at it is the first thing to look at is how do I take this and remove the friction. So this operates in the background. You got to automate it. Automation turns discipline into default. Okay? Auto transfers, auto investments, auto savings, okay? Bottom line is you don't have to think about it. You don't have to effort it. You don't have to pull the pull the levers or turn the dials. Your future self is going to thank you. Okay? The present self. The present self will have will get a chance to stop relying on willpower. You're not going to get tempted. It's not going to sit there. Because if you have the money in the account and you get tempted by a target aisle or an Amazon cart, look out. Friction is your friend when it comes to spending. It's your enemy when it comes to wealth building. So we want to take as much friction out of it as possible. Use the right sequence to make it happen. Okay, here's the deal. There is no first place or last place in wealth. There's only your place. But there is a right order. And when you follow the order, you build resilience. You build an unshakable foundation first, the return second, and you get freedom forever. Okay? And so if you're not sure where you are on this ladder and everything, one of the places to go is to go to the Financial Freedom Zone quiz. Take this two minute quiz. It'll give you a report of where you are, what to focus on, what your next steps are. Go to your Financial Freedom Zone quiz, your financial freedomquiz.com and everything. Check it out. All right? But in the meantime, make sure that you use this as a checklist and say, am I doing things in the right order? Am I doing things that are going to optimize my investing, maximize my wealth, and accelerate my path to financial freedom? Okay? And if you're not, let's get you in. Let's get you dialed in to make sure it happens. Okay? This is the process that I've used with all my students and my clients and my own family over years and years. And it works. And I want you to to work it, okay? So work the process. It'll work for you. We'll get your dollars, the right job descriptions to do the right things in your life. All right? I hope you found this valuable. I hope that this helps and that you get a chance to take control. All right? If you haven't done so already, do me a favor, subscribe. And do me another favor. Share this with a friend. Journey to financial freedom is always more fun when you got a friend along. All right? Can't wait to see you in the next episode, the next video, or on my Road as I'm speaking. Well, until then, as I always say, always, always strive to live a life that outlives you. See you next one. Thank you. For listening to the Affluent Entrepreneur show with me, your host, Mel Abrahamic. If you want to achieve financial liberation to create an affluent lifestyle, join me in the Affluent Entrepreneurship Entrepreneur Facebook group now by going to melabraham.com forward/group and I'll see you there.

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 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.