The Stephen Courson Show: Recent Episodes
Stephen Courson
A take on money like you've never heard before. Forget talking about 401Ks and index funds. This podcast is about burning away the fancy talk and bad advice your uncle gave you that one time at Thanksgiving about investing. We get down to the emotional, psychological and cultural aspects of money with expert-backed data and guests. So why listen to this podcast? To help you live the life you want because if you don't control your mind and your money, someone else will. The Stephen Courson Show is about living the life you desire and growing all four types of wealth: time, social, financial and health. So if you want to talk about Money, Life and everything else, you came to the right place.
Are you feeling sad or like everything in life is pushing against you? A lot of people are feeling that way and beyond the usual suspects like the poisonous mainstream media and unhealthy social media algorithms, I'm not sure what's different. Those things haven't changed but the "mood" of many I talk to are and a comment on LinkedIN that turned into a big discussion tapped into this. I read all here and give some ideas on how to beat it with the kind of positivity and growth mindset that isn't toxic or blind.
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Stephen wrote What Do You Want? Choose For Yourself Or Someone Else Will to inspire ambitious people to get clarity on their personal and professional lives and then make it happen.
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to g...
I'm giving away the goods on this episode! I'm going through the 7 steps of The Clarity Machine and 4 phases of strategy. I created this over 12 years ago which is crazy to think. And it has undoubtedly increased all 4 types of wealth and overall life satisfaction for me. I want it to do the same for you!
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Read This Book
Stephen wrote What Do You Want? Choose For Yourself Or Someone Else Will to inspire ambitious people to get clarity on their personal and professional lives and then make it happen.
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to g...
There are 4 types of wealth: time, financial, social and health. Spiritual wealth is important but it is part of the 4 types of wealth, not a separate category. So why do the wealthy focus on time more than the others and how do they do it sustainably and effectively. I'm going to share 4 steps that 85 of my millionaire clients over the years have done it so you can start copying it today.
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• Apple Podcasts: [https://shorturl.at/Jhlez]
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Read This Book
Stephen wrote What Do You Want? Choose For Yourself Or Someone Else Will to inspire ambitious people to get clarity on their personal and professional lives and then make it happen.
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to g...
Some of you noticed I took a break with the podcast. I'm going to tell you why. It was a gamble since this is a top 3% podcast globally. But I had huge goals and a health emergency on top of it that gave me no choice but to be ruthless with my time, energy, attention, money and soul. The lesson I learned can propel you to achieve your dreams and goals faster than you ever imagined.
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Help more pros find us and just take 10 seconds:
• Apple Podcasts: [https://shorturl.at/Jhlez]
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Read This Book
Stephen wrote What Do You Want? Choose For Yourself Or Someone Else Will to inspire ambitious people to get clarity on their personal and professional lives and then make it happen.
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to g...
Its been almost 2 months since I published my book What Do You Want? and that means, people have actually read it now! I'm excited to share some crazy stories from people I did not expect to read the book and the cool takeaways from it. Turns out, answering this question is rarer than I thought at all stages of life.
If you're interested in the book, check it out on Amazon and Kindle here https://tinyurl.com/75xundpy
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Read This Book
Stephen wrote What Do You Want? Choose For Yourself Or Someone Else Will to inspire ambitious people to get clarity on their personal and professional lives and then make it happen.
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to g...
Disney had one of the most loyal fanbases in history and systematically drove them away chasing new audiences and new revenue. The same thing is happening in your business and your relationships right now. Stephen breaks down the loyalty trap, why we take our best people for granted, and what it actually takes to keep the people who were there from the beginning.
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Read This Book
Stephen wrote What Do You Want? Choose For Yourself Or Someone Else Will to inspire ambitious people to get clarity on their personal and professional lives and then make it happen.
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to g...
There's a reason your income has a ceiling and it has nothing to do with how hard you work. You're doing the same things that got you here and expecting different results. Today I want to show you the filter that breaks that pattern... and what it's literally costing you to ignore it.
- New levels equal new devils: every stage of growth requires a structurally different version of you doing different work
- The capacity problem: you can't add next-level work to a full plate, something has to go first
- The wealth equation: it is structurally impossible to build real wealth while buried in tasks that belong to a previous chapter of your business
- 3 D's Filter
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Read This Book
Stephen wrote What Do You Want? Choose For Yourself Or Someone Else Will to inspire ambitious people to get clarity on their personal and professional lives and then make it happen.
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to g...
Are you a high performer hitting goals but feeling out of control or experiencing inconsistent finances? This common issue isn't about your goals or discipline, but your 'math.' We explore why focusing on high performance without proper planning can lead to stress, despite your best efforts. Improve your time management and budgeting strategies to regain control and achieve sustained success.
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Read This Book
Stephen wrote What Do You Want? Choose For Yourself Or Someone Else Will to inspire ambitious people to get clarity on their personal and professional lives and then make it happen.
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to g...
There's a strange trend happening with AI right now where people are investing in new skills and building cool things with ChatGPT, Claude, Manus and other ai tools, but they're feeling more stressed and working longer hours. Despite all this effort, they're not seeing a real impact on their business. The problem isn't the AI, its the lack of clarity.
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Read This Book
Stephen wrote What Do You Want? Choose For Yourself Or Someone Else Will to inspire ambitious people to get clarity on their personal and professional lives and then make it happen.
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to g...
This is the story of why I turned down a job that would put me in the 1%. I would've made more money than anyone in my family ever had, but instead I quit the 14-year career I had built and started at zero being a coach and entrepreneur. It was the best decision I ever made, but I had to answer some tough questions first or it never would have happened.
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Read This Book
Stephen wrote What Do You Want? Choose For Yourself Or Someone Else Will to inspire ambitious people to get clarity on their personal and professional lives and then make it happen.
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to g...
I didn’t set out to write a book about clarity… I set out to help people execute. But I quickly realized the real problem—most people don’t actually know what they want. What Do You Want? is a short, 95-page playbook you can read in under two hours, but it’s built to change how you live. It helps you take back control of your time, energy, attention, money, and soul by eliminating distractions and getting clear on what actually matters. This isn’t about doing more… it’s about doing less, better—so you can finally start building a life that’s yours.
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Stephen wrote What Do You Want? Choose For Yourself Or Someone Else Will to inspire ambitious people to get clarity on their personal and professional lives and then make it happen.
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to g...
Most high performers aren't failing because they lack discipline. They're failing because they're running hard in the wrong direction. I break down 5 hard truths that changed everything for me and the high performers I coach from the destination problem nobody talks about, to why subtraction beats addition every time.
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Stephen wrote What Do You Want? Choose For Yourself Or Someone Else Will to inspire ambitious people to get clarity on their personal and professional lives and then make it happen.
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to g...
I'm so excited to announce that I'm finally publishing my book. It's called What Do You Want? and is officially launching March 25.
This book is for entrepreneurs, founders, executives, and high performers who are tired of being busy but unclear.
Inside, I break down a practical clarity framework to help you:
• Eliminate distractions
• Define clear goals
• Make better decisions
• Build momentum with focus
If you care about leadership, personal development, business strategy, productivity, and intentional living, this book is for you.
Join the March 25 Live Launch Event here:
[Insert Landing Page Link]
There's huge bonuses available for business owners, entrepreneurs and teams.
Clarity is a performance enhancer and that's what this book will help you find.
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Stephen wrote What Do You Want? Choose For Yourself Or Someone Else Will to inspire ambitious people to get clarity on their personal and professional lives and then make it happen.
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to g...
If you're aiming to build a life that leaves a lasting mark, not just on your family but on the wider community, you have to do 3 things. Have reasons, not just beliefs. Live an unfiltered life. Do things that are interesting! AI is going to going to have blowback and this is how you build influence moving forward.
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Stephen wrote What Do You Want? Choose For Yourself Or Someone Else Will to inspire ambitious people to get clarity on their personal and professional lives and then make it happen.
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to g...
The gap between struggling and elite performance in life and work often comes down to just three questions people avoid. This principle applies to all areas, from business to health, relationships, faith, and finances, highlighting the importance of personal development. Many desire success, but have not defined what success looks like to them, leading to a lack of clarity in their personal growth.
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Stephen wrote What Do You Want? Choose For Yourself Or Someone Else Will to inspire ambitious people to get clarity on their personal and professional lives and then make it happen.
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to g...
Overspending is a problem for people whether you have a budget or not. There are a lot of causes for overspending and they're all emotional and logistical. Problems like convenient spending, decision fatigue and lifestyle creep as something we've "earned". By having an honest conversation with ourselves (and if need be, your spouse), a lot of these can be fixed overnight with a few simple changes.
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Read This Book
Stephen wrote What Do You Want? Choose For Yourself Or Someone Else Will to inspire ambitious people to get clarity on their personal and professional lives and then make it happen.
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to g...
Every January for the past 10 years, my wife and I have spent atleast one whole day together planning our year. It's become even more important as our family has grown and schedules filled up faster. This is a breakdown of our agenda and why we do it this way. Use it and tweak it to match your life but do it!
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Stephen wrote What Do You Want? Choose For Yourself Or Someone Else Will to inspire ambitious people to get clarity on their personal and professional lives and then make it happen.
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to g...
The enemy doesn't have to push you backwards to prevent you from reaching your goal. He just has to distract you little by little as you drift off course from your potential. That's what I discuss with Colt in this bold take on focus, living on mission and doing big, meaningful things with your life.
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Stephen wrote What Do You Want? Choose For Yourself Or Someone Else Will to inspire ambitious people to get clarity on their personal and professional lives and then make it happen.
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to g...
One of my favorite episodes of the year where I discuss trends like finances, real estate, social media, stocks, politics and even my Super Bowl winner! I'll recap my 2025 predictions and then we can get into my crystal ball for 2026!
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Stephen wrote What Do You Want? Choose For Yourself Or Someone Else Will to inspire ambitious people to get clarity on their personal and professional lives and then make it happen.
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to g...
Most people wait for life to slow down… it never does. Everything changed for me when I started taking one weekend a year for a personal strategy retreat. No phone, no noise, no inputs… just time to think and reset. That silence exposed what mattered, what didn’t, and where I was lying to myself. It became the single highest-ROI habit of my year. In this episode, I break down the simple structure I use, why it works, and how it’s reshaped my goals, my energy, and my direction. If you’re tired of drifting, this is the reset you’ve needed for a long time.
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Stephen wrote What Do You Want? Choose For Yourself Or Someone Else Will to inspire ambitious people to get clarity on their personal and professional lives and then make it happen.
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to g...
High achievers fear the word contentment like it’s the enemy. But what if contentment is the edge you’ve been missing? In a culture addicted to hustle and comparison, gratitude becomes the reset button that clears your mind and fuels your ambition the right way. This episode will challenge the way you think about success, help you detach from distractions, and show you why peace is a power move...not a pause.
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Stephen wrote What Do You Want? Choose For Yourself Or Someone Else Will to inspire ambitious people to get clarity on their personal and professional lives and then make it happen.
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to g...
Most people want wealth but few are willing to pay the price.
In this episode, I sit down with Dan Henry — entrepreneur, investor, and bestselling author — to unpack how he went from delivering pizzas and sleeping in a freezing apartment to building a $35 million business.
The turning point? A single question he asked a billionaire that changed everything.
We dive into the three most powerful forms of leverage — labor, code, and audience — and how your personal brand is the ultimate multiplier. Because when you learn how to turn attention into trust and trust into opportunity, your brand becomes an asset that works even when you don’t.
You’ll hear:
- How leverage works in the real world and how to build it piece by piece
- Why your personal brand is more valuable than any business card or degree
- The mindset shift between wanting wealth and being willing to earn it
- What separates people who say they want success from those who sacrifice for it
If you’ve ever wondered what separates dreamers from builders, this conversation will make it crystal clear: it’s leverage… and the price you’re willing to pay for it.
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Stephen wrote What Do You Want? Choose For Yourself Or Someone Else Will to inspire ambitious people to get clarity on their personal and professional lives and then make it happen.
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to g...
You’re not stuck...you’re stalling. Most of the obstacles in your way aren’t real. You just made them look productive.
Stephen breaks down one of the most dangerous traps ambitious people fall into—productive procrastination. It’s the illusion of progress that comes from staying busy instead of being bold.
Stephen reveals how most of the “obstacles” we face are self-created to avoid the discomfort of doing the real work that moves us forward.
He shares how to identify fake obstacles, cut the fluff, and take the most direct path to your goals. If you ever feel like you’re working hard but not getting closer to what you actually want, this episode will wake you up.
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Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to get unstuck and move forward.
There’s one question most people avoid, not because it’s hard to answer, but because it’s dangerous...
What do you want?
Why do we stop dreaming as we get older or after we hit a certain level of success? Somewhere along the way, survival and security take over. Bills pile up. Responsibilities grow. And the fire that once drove us starts to fade under the weight of practicality.
We’ll talk about the four levels of WHY — survival, security, pleasure, and purpose — and how to break free from the trap of the first two. Because staying stuck in survival mode kills creativity. Staying stuck in security kills dreams.
You’ll hear how overthinking the how is one of the biggest dream killers out there and why you have to learn to believe before you see.
The truth?
The most powerful dreams are never just about you or your family. They’re about creating something that outlives you.
If you’ve been playing small or living on autopilot, this episode is your wake-up call to dream again and to fight for the dreams that still scare you a little.
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Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to get unstuck and move forward.
Most adults stop playing long before they stop dreaming. Somewhere between deadlines and responsibilities, hobbies quietly disappear and with them, a big part of what makes life exciting.
In this episode, I sit down with James Buckley — speaker, creator, and unapologetic Lord of the Rings super-fan — to talk about how geeking out can actually make you better at your job, happier at home, and more energized in life.
We explore how Tolkien’s world of courage, creativity, and curiosity fuels James’s professional drive and why chasing passions outside of work might be the most productive thing you can do for your career.
You’ll hear us break down:
- Why hobbies aren’t a distraction but oxygen for your purpose.
- How fandoms and passions create connection, creativity, and energy that spill into your work.
- Why adults stop doing what they love — and how to reignite it.
- What Lord of the Rings can teach us about leadership, purpose, and perseverance.
If you’ve ever felt like you’ve lost that spark — the one that used to make you excited to wake up and chase something — this conversation will remind you what it means to live fully.
Because when you give yourself permission to chase dreams and geek out again… work gets better, life gets lighter, and purpose becomes a lot clearer.
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Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to get unstuck and move forward.
Crush your annual goals without holiday hustle burnout. Holidays are coming...don’t let them derail your Q4 wins. These time management tips help ambitious entrepreneurs and execs plan now, stay productive, and end the year strong—no anxiety, no rush, just results. Steal the system. Subscribe & leave a 5-star review on Apple and Spotify to help more pros finish strong.
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Help more pros find us and just take 10 seconds:
• Apple Podcasts: [https://shorturl.at/Jhlez]
• Spotify: [https://shorturl.at/8IeVM]
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to get unstuck and move forward.
Be the black sheep — Aleasha Bahr, founder of Black Sheep Sales Method™, reveals how authentic sales crushes AI noise, templates, and cold scripts. We dive into:
• Why standing out isn’t a flaw — it’s your edge
• Staying human when automation says “optimize”
• Real connection in a blurry digital world
Done fitting in? This is your playbook. Explore with me what it means to live authentically in a rapidly shifting landscape of artificial intelligence, automation and “everyone does it like this” narratives.
Love This? Leave a Review
Help more pros find us and just take 10 seconds:
• Apple Podcasts: [https://shorturl.at/Jhlez]
• Spotify: [https://shorturl.at/8IeVM]
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to get unstuck and move forward.
No AI digital twin — ever. In a world of deepfakes and clones, I’m drawing a hard line: every video, podcast, and post with my name is 100% me — live and in the flesh. AI streamlines my systems. But it will never replace my voice, face, or spontaneity.
This is my contrarian brand promise: trust over convenience, authenticity over automation. If you’re done with the blur, this is your signal. Subscribe & leave a 5-star review on Apple and Spotify to back the real ones.
Love This? Leave a Review
Help more pros find us and just take 10 seconds:
• Apple Podcasts: [https://shorturl.at/Jhlez]
• Spotify: [https://shorturl.at/8IeVM]
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to get unstuck and move forward.
NBA gambling bust exposes greed's golden curse: FBI's Oct 23 crackdown on stars like Chauncey Billups and Terry Rozier in mafia-rigged games. Like King Midas, it destroys lives, legacies, and trust.
But science flips the script—gratitude rewires your brain, cuts stress 23%, boosts joy 25%. We'll unpack:
• The scandal's timeless warning
• Journaling + 30-day challenge to ditch greed
• Why gratitude builds unbreakable wealth
From headlines to habits, this is your game-changer. Subscribe & leave a 5-star review on Apple to spread the real wins.
Love This? Leave a Review
Help more pros find us and just take 10 seconds:
• Apple Podcasts: [https://shorturl.at/Jhlez]
• Spotify: [https://shorturl.at/8IeVM]
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to get unstuck and move forward.
Why is your resume is a terrible backup plan? Ex-banker Bill Fanter dismantles the W2 myth and reveals 3 real safety nets:
• Contrarian investing (day-trading, options, your skills)
• High-value networks (events, social wealth)
• Side hustle income (float for layoffs or AI shifts)
After 35+ years pivoting from banking to trading and getting fired after years of corporate loyalty, Bill now coaches pros to invest in stocks, options and yourself. If you’re done betting on a job, this is your playbook. Subscribe & leave a 5-star review on Apple to help more builders secure their future.*
Love This? Leave a Review
Help more pros find us and just take 10 seconds:
• Apple Podcasts: [https://shorturl.at/Jhlez]
• Spotify: [https://shorturl.at/8IeVM]
Connect with StephenWebsite: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube:
About LifebuilderThe Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to get unstuck and move forward.
I sit down with Leroy Hite, the audacious founder of Cutting Edge Firewood, the first luxury firewood company that redefined how people think about logs and flames. (Yes, luxury firewood.)
Leroy shares how he turned a basic commodity into a premium brand, scaling Cutting Edge into a multimillion-dollar enterprise before eventually exiting the business. Along the way, we talk about:
- The sheer madness (and vision) behind creating a “luxury firewood” niche from scratch
- The years of grind, rejection, and sleepless hustling that built the foundation
- What it feels like to pursue a dream that no one believed in (except you)
- The payoff when persistence, faith, and strategy converge
Whether you’re launching something unconventional or just chasing a big ambition that others laugh at, this conversation will encourage you to lean in harder, push longer, and believe...even when no one else does.
Tune in and get stoked.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
Most people never take time to step back and dream anymore. In this episode, I break down the D.R.E.A.M. framework—a simple but powerful process to help you disconnect from distractions, create space to think clearly, and rediscover what you truly want for your life.
Whether you’re stuck in busyness or just coasting, this framework will challenge you to pause, imagine, and start building toward the life you’ve been missing.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
Are luxury watches just shiny status symbols… or can they actually be smart investments?
I sit down with Erich Wolters to break down the real value behind high-end timepieces. We talk about what makes certain brands and models appreciate, how the luxury watch market compares to other investment vehicles, and the pitfalls to avoid if you’re thinking about adding watches to your portfolio.
Whether you’re a seasoned investor curious about alternative assets or simply fascinated by the world of luxury, this conversation will challenge how you think about both time and money.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
The people that change the world are the ones that can block out the noise and focus on signal. But in order to do that, you have to have a dream that you can turn into a mission. You are the hero of your story! What good is a story of a hero without a mission or an enemy? The enemy can be a person, place, thing or force but it must be clear.
So many people aren't clear or consistent on that and it shows in the result of their life. We only have one go on this space rock and we don't know when it will end. Charlie Kirk was assassinated this week for talking. Whether you liked him or not isn't relevant to my point. What's undeniable is his impact. He was changing things because he was so locked in on his mission and signal.
At 31, he had met Presidents, created billions of views online for his content and is largely credited for a sharp, sudden demographic shift in young voters. That's not possible for anyone that isn't living with clarity.
Want a fulfilling life? Then define your dreams, lock into a mission, put your enemy on notice, block out the noise and focus on signal. You won't regret it.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
Most entrepreneurs and business owners don’t fail because of bad ideas or lack of funding...they fail from the inside out. In this conversation, Stephen and Kat go over how you can scientifically predict where you will fail BEFORE you do it and how to avoid it.
- The Entrepreneurial Failure Risk Index (EFRI) helps founders spot hidden risks before they derail the business (try it free with the link)
- Internal pitfalls like burnout, weak leadership, and resistance to change are just as dangerous as external threats.
- A quick 15-minute assessment can reveal blind spots and provide strategies to prevent failure.
Who Benefits:
- Entrepreneurs who want to understand their personal risk factors.
- Investors/Advisors looking for deeper insight before backing a founder.
- Accelerators & incubators seeking better ways to support startups.
Predicting failure is possible by measuring behavioral and emotional risk early, founders can take action to prevent it.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
If you’ve ever told yourself, “I’m just bad with money,” this episode is for you. In this powerful conversation, TEDx speaker and money mindset coach Dave Won joins host Stephen Courson on the LifeBuilder Podcast to dismantle the limiting beliefs that keep people stuck in financial frustration.
Together, they explore the emotional and psychological patterns that shape our relationship with money—often more than logic or math ever could. Dave shares insights from his TEDx Talk and years of coaching, revealing how financial behaviors are driven by unconscious stories we tell ourselves and inherited mindsets we never questioned.
Whether you're trying to pay off debt, build wealth, or simply feel more confident in your financial decisions, this episode will challenge the myth that you're "bad with money" and offer a new framework for financial empowerment and emotional awareness.
Topics Covered:
- Why most people aren’t actually “bad with money”
- The role of childhood, trauma, and emotions in financial decision-making
- How to shift your money mindset and create lasting change
- Common self-sabotaging behaviors and how to overcome them
- Why understanding behavioral finance is the missing piece to building true wealth
Perfect for anyone interested in personal finance, money psychology, and self-improvement, this episode is both practical and empowering.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
Think you're investing just because you put money into stocks, real estate, or crypto? That’s only part of the picture. In this eye-opening episode of the LifeBuilder Podcast, host Stephen Courson reveals why most people are investing wrong—and what true wealth-building actually looks like.
We dive deep into an often-overlooked side of personal finance: how you invest your daily resources, not just your dollars. Stephen introduces a powerful framework called TEAMS—Time, Energy, Attention, Money, and Soul—and explains how these five resources shape everything from your finances to your freedom to your fulfillment.
This episode challenges the conventional approach to wealth and focuses on investing with intention, not just chasing returns. If you want to build a life rich in purpose, not just profit, this conversation is your roadmap.
Topics Covered:
- Why money is only 20% of your investment strategy
- The 5 core resources you’re already investing daily (TEAMS)
- How to gain financial and time freedom by realigning your priorities
- The hidden cost of investing in distractions instead of your goals
- How to design a meaningful life by being intentional with your resources
If you're serious about achieving true financial freedom and a fulfilling lifestyle, don’t miss this episode. It’s not just about money—it’s about mastering your most valuable assets to build a life that actually excites you.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
In an era dominated by AI, social media filters, and digital deepfakes, authenticity is becoming the rarest—and most powerful—currency we have. In this episode of the LifeBuilder Podcast, host Stephen Courson sits down with neuroscientist and personal development expert Danita Young to explore the science of authenticity and how understanding the brain can help us unlock real personal growth.
Danita dives into the neuroscience behind fear, identity, and emotional regulation, explaining why so many of us struggle to show up as our true selves—and how we can rewire our brain to overcome these blocks. You'll learn how perfectionism and the fear of failure are rooted in survival-based brain patterns—and how to break free from them with practical tools and mindset shifts.
Whether you're a leader, entrepreneur, or anyone seeking meaningful self-development, this conversation will give you powerful insights into the biology of courage, vulnerability, and transformation.
Topics Covered:
- How fear hijacks the brain and blocks authenticity
- The neuroscience of self-sabotage and perfectionism
- Why embracing failure leads to real growth
- Practical tools to rewire your mindset and unlock your potential
- How to stand out in a world of artificiality by being real
Tune in and discover how to build an authentic life from the inside out—starting with your brain.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
We’ve been sold a lie.
That waiting is noble. That patience is passive. That if you just sit still long enough, life will eventually hand you what you want.
Wrong.
Waiting does not give you permission to do nothing.
In this episode, I break down why it’s better to be a warrior in a garden than a gardener in a war. Because even when you're not “in the fight”… preparation is still the mission.
Think about it:
- You’re stuck on a goal? You can still sharpen your skills.
- Conditions aren’t ideal? You can still build systems.
- You’re not sure what to do next? You can still evaluate your resources and your time.
Too many people sit in a fog of “someday” and convince themselves they’re being patient… when really, they’re just stuck.
Here’s the truth. Progress doesn’t always mean action. But it never means inaction.
Use the quiet moments to train.
To plan.
To build a better version of yourself so that when the opportunity does show up, you’re not scrambling… you’re ready.
Listen in and stop letting “waiting” become your excuse to waste time.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
In this episode of LifeBuilder, Stephen sits down with Amy Looper to explore what it really takes to bounce back stronger in life and business. Amy shares the five cornerstones of resilience that helped her shift from burnout and survival mode into a life of purpose, impact, and energy.
From navigating big transitions to redefining success through intentional living, this conversation is packed with real talk and actionable insight for ambitious people who want more than just productivity...they want fulfillment.
Amy breaks down how finding purpose through entrepreneurship changed her life for the better. She talks about the power of changing your environment, slowing down, and building meaningful connection all while showing how resilience is the hidden unlock to living fully.
Whether you're leading a business, raising a family, or rebuilding after burnout, this episode will challenge you to look inward and build the life you actually want.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
The Red Alert Diagnosis is a framework I created that we use in my coaching. I walk through the video of it on YouTube if you want to watch it. It is a systematic way for us to discover what is frustrating us in our personal or in our professional lives quickly and to determine what we can do about it that's within our direct power. Fear and frustration are useful because they let us know when there is risk or problems. The problem is when we avoid them and let them grow to a point that they make us counterproductive. Blow past that fear and take it head on!
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
This isn't about fear-mongering or doomsday predictions. It's reality. It's my reality. I have put off having to make 2 different hires because of how I have been able to utilize AI in my business and in my life. This is a massive opportunity and its literally changing the landscape of how our world operates at incredible speed. I don't care if you're a lawyer, plumber, doctor or salesperson or own your own business, you can't ignore this and hope to make more money in the future or have job stability. Do these things now so you are ahead of the tidal wave that's at our shore.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
Its Men's Mental Health Awareness Month and no one cares. Seriously. There aren't any social media banners or flags being waved and we know this. Society has spent decades minimizing and in some cases, demonizing men and the things that make us strong. Our value has been boiled down to what we provide and that's wrong. My conversation with Dejuan and his realization of this and more through relationships and therapy is a breath of fresh air I hope will encourage men to realize that our purpose and fulfillment in life goes beyond being useful. If you don't feel you have anyone to talk to, you are wrong. You are loved. You are important. Reach out to me and Dejuan on LinkedIN or check out these resources linked below.
https://mantherapy.org/
https://headsupguys.org/
https://blackmenheal.org/
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
Stop believing society's lie that you have time...you don't. It seems harmless but its a poison pill designed to keep you productive and spend money on things that don't mean much to you. It blinds us to what we really want. That's why its so important we get clarity on what we want and why we want it. When you know what that is with certainty, you won't waste time. You won't chase money at the expense of letting your dreams die. It will enable you to live the life you want and guard you from a life of regret.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
Shelby made her business more profitable and less stressful once she burned out hard in the rat race. We talk about how health is the ultimate business booster and how you can make a business more profitable if you are brave enough to give up parts of it. We talk about the importance of putting yourself in the room where things happen and how to turn a digital product into a real life experience that your customers will love.
Check out Shelby's Podcast here
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
Life and work can get overwhelming with never-ending to-do lists. That's why making sure we choose to do the right things that move us to our intended outcome is so important. The people who lose are the ones who can't prioritize and delegate. They will forever be completing other people's lists instead of focusing on their own. This 3D hack will make you rich in time and money.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
This is an unusual episode, but I want to start with THANK YOU. Many people reached out after noticing my absence from socials and the podcast. I had some serious gastric issues and am undergoing some tests to see if there's anything chronic. I'm back on my feet for the most part but I wanted to share some things I've learned from all of this.
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If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
In this interview with Charles from PodPire, we go over my TEDx Talk, how you can use an alter ego intentionally to win at life and business, and then tactics to get rolling as an entrepreneur.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
Burnout is becoming a more common issue amongst executives and entrepreneurs. And their solution is usually a nice vacation. But many people are quitting on travel due to cost of living increases or lower revenue. But what if you didn't have to choose and could vacation for free? That's what Elliot Rosenberg helps people do so they can travel using a financial system leverages credit card points to the max instead of getting a penny per mile.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
You’re constantly being pulled in different directions—family, friends, and even your team won’t stop interrupting you. If you struggle with constant distractions, interruptions, or work-life balance while working from home, this is the solution you need. The problem isn’t time management—it’s a lack of clear boundaries. In this video, I’ll show you how to set internal and external boundaries so people stop wasting your time and you can finally focus on what matters.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
Struggling to find time to eat healthy? In this episode, I break down Part 1 of my Skeleton System—a game-changing way to systemize your dinners with AI and automation to plan meals, generate shopping lists, and get groceries delivered in minutes. No more wasting hours figuring out what to eat or running to the store.
If you want to streamline meal prep, optimize your health, and reclaim lost hours every week, this episode is for you.
Main Topics
- Using AI to save time and energy in your personal life
- How to use ChatGPT to plan grocery shopping lists and meal prep
- Automating grocery shopping with an app to save time
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
Your phone is killing your productivity. It’s not a secret...notifications, texts, emails, Slack and random calls are stealing your focus away and waste hours of your day. The worst part? You don’t even realize how often you pick up your phone out of habit. I was stuck in this cycle too, losing 30-70% of my productive time every day. But after making these 5 simple changes to my phone settings like customizing my Do Not Disturb, I took back control. Not only did I get more done and make more money, but I also felt happier and less stressed every day. If you want better focus, fewer distractions, and more control over your time, make these changes today.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
Generational wealth? Selling a business? Retirement? Before you think about these things, Mark B. Murphy wants to challenge you on your mindset first. That is where we design the life we want and build true wealth. Mark is the CEO of Northeast Private Client Group in New Jersey and has a book that was a Best Seller on Amazon. He's a speaker and philanthropist that loves working with business owners and entrepreneurs to build their business and design the life they want.
For a FREE copy of Mark's book, email his team at books@northeastprivate.com
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
Sometimes, to go forward, we must first go inward. That's a lesson I learned the hard way in 2024 and it probably cost me about $120,000. This is why having dangerous conversations with ourselves is so important. We have to be honest with ourselves or we will find reasons to prevent us from growing and building the life we want. All it takes is some honesty and a simple truth about money to change your life.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
One of the most downloaded episodes the past few years because you all love to make fun of my predictions. So was I right about 2024? Or dead wrong? And what am I going to say about 2025? Here are the categories I go over...listen and find out!
- Super Bowl Winner
- Macroeconomic trend to watch
- Real estate trend of the year
- Social media prediction
- Stock market trend
- Personal finance trend
- Societal trend of the year
- Random thing I predicted
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
Mando Sallavanti is only 26, but he's recently married, started dating his now-wife when they were 15, has a few real estate holdings and is a licensed CFP with a huge following on LinkedIN. Society would say, he's messing up his life. Is he? Or is everyone else doing it wrong. We discuss problems in society causing confusion for men and women and how to break through them.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
Cody Lutz is an accidental entrepreneur in some ways but his mindset proves that anyone can start a successful side hustle or business if you approach it the right way. We talk about his values and mindset that drove him from the safety of a 9-5 job to full-time entrepreneurship building at-home sheds for people who want to workout at home. Whether you want to start a business or not, this discussion around having a strong WHY Statement and sense of purpose will push you to get clarity on what you want for your life and how to get it.
Website: https://www.backyardshreds.com/
YouTube: https://www.youtube.com/@BackyardSHREDS
Linkedin: https://www.linkedin.com/in/thecodylutz/
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
Christine Luken is a specialist with money during turbulent times. She coaches people who are getting divorced or going through major life changes on how to manage their money. With the presidential election of Trump and Biden leaving the world nervous about the direction the USA will go, her advice is perfect to get you through the chaos of life regardless of what it is and start growing your personal economy.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
Thanksgiving is the most overlooked holiday in America every year. Not only are we still eating Halloween candy and decorating for Christmas, but we totally ignore what Thanksgiving is all about. Giving thanks. It's literally in the name. Instead, the capitalistic machine has conditioned us to focus on the things we don't have with "shopping holidays" like Black Friday and Cyber Monday. Without knowing it, we've traded time, energy and attention that we'd normally spend with family and friends to deals online so we can save a few bucks. It's our society in a microcosm and if you want to break free from its chains, then you have to find contentment with what you have and define what "enough" means for you.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
President Trump will be the President again after defeating Democrat candidate Kamala Harris. Now that the madness is over, I think these are the important things we need to realize moving forward whether you are a Democrat, Republican or Independent. We must be the ones to take action or our lives won't change that much. No President can have as big of an impact on your life as you can. Be the Hero of your story and move forward with a growth mindset in your life.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
Lark Davis has 1.8M followers across social media but he was completely unknown just a few years ago. We talk about how to win with crypto (and how to lose with crypto), the importance of having clarity and defined goals for your life and how to go from a 9-5 job and transition to the life you truly want. With bitcoin hitting all time highs, Lark has unique perspectives on trading it if you're getting in now.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
Riley Tejcek is a force of nature. She's on active duty serving in the Marines, training to be on the US Olympic bobsled team and ocassionally sleeps. Bobsledding is one of the most expensive and physically demanding winter sports and was the most watched competition in the last Winter Olympics. I talk to her about her mindset, secrets to success and more in this incredible interview.
Our government is one of the few that does NOT pay Olympians and bobsledding is the most expensive of the Winter Olympic Sports. Because of this, most of them live at the POVERTY line. So why do they do it? I talk about why in this and ask that you throw some financial support to an incredible patriot and athlete!
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
Do you need a credit card? Yes. Definitely. That's Julian Kheel's position and as a travel points expert, he has a compelling case why it needs to be a travel credit card and it goes beyond travel, but protection and security to. If you are trying to figure out your credit card strategy, this is a must listen.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
Andrew runs the details financially and logistically for the 1% of the rich. He doesn't just see what they do with their money but with their time and other resources as well. Some of these super rich people are happy and fulfilled. Others are totally miserable. His unique perspective on what fulfills humans beyond money makes this a fascination discussion.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
Despite being in one of the most extreme countries with lockdowns, Jason found a way to reject society and design the life he wanted for the freedom he desired. His systematic approach during such crazy times is a roadmap for anyone to build the life they want now.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
Men are facing unique challenges in a society that wants to change who they are. Modern day men struggle to gain the 4 types of wealth (time, financial, social and health) at times in their lives.
Elise Michaels is a men's performance coach with 800,000+ followers on social media. She helps them deal with their internal struggles so they can thrive in a world full of challenges. We tackle and debate the forces that men face today and discuss practical solutions on what to do and why self-proclaimed "alpha males" like Andrew Tate became popular and the antidote for the extremes.
Please Give A Review
If you like the show, it'd be awesome if you could take 10 seconds and leave a review on Apple Podcasts (click here to leave a review)
Connect With Stephen
Visit our website at www.lifebuilder.co
Connect with me on LinkedIN
Get the show and additional episodes on YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
Stephen is an executive coach that works with ambitious people to build the life that they want, personally and professionally.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
Money is not created equal. Currencies are worth different amounts depending on the economy and Colin Stroud is an expert in the "points economy" when it comes to credit card rewards. He's been on more vacations with his wife and child in a year than I have in 2 years and most of the trips were free or heavily discounted. If you love to travel, do not miss this valuable insight on how to get more with less.
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👨💻 Want to use the tool from the video to measure your cash flow and build wealth? Download my sheet for FREE here! https://www.coursonsolutions.com/budget-sheet
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Get more resources on my website www.coursonsolutions.com
Welcome to my channel on how to build True Wealth. I create videos for ambitious people who have financial stress in their lives. By shifting behaviors, using tools and creating systems, you can reduce financial stress and build the life you want. 😍 SUBSCRIBE if you want to GROW: https://www.youtube.com/@StephenCourson?sub_confirmation=1
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
Everyone is talking about the FED and their 50bps rate cut announcement. But what does that MEAN for the average American? Does it impact you? Yes, it definitely does. But don't worry, this isn't a boring civics lesson. I explain it so a 10-year old could understand it.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
What limits our growth is fear. We hide from that fear with distractions like sports and politics. I had a meeting with a mentor and they asked me this question. It uncovered some self-work I needed to do and was powerful for my mindset.
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👨💻 Want to use the tool from the video to measure your cash flow and build wealth? Download my sheet for FREE here! https://www.coursonsolutions.com/budg...
======================================
Get more resources on my website www.coursonsolutions.com
Welcome to my channel on how to build True Wealth. I create videos for ambitious people who have financial stress in their lives. By shifting behaviors, using tools and creating systems, you can reduce financial stress and build the life you want. 😍 SUBSCRIBE if you want to GROW: / @stephencourson
🔸🔸🔸🔸🔸🔸🔸🔸🔸🔸🔸🔸🔸🔸
MORE TIME, MORE MONEY, MORE LIFE!
Watch these videos...
🤘 How to invest $1000
• How To Invest $1000
😎 30 and Broke? Secrets to building wealth fast
• 30 And Broke? Three Steps To Build We...
🔮 Get a reading list to make you richer fast
• I Read Over 200 Books About Money: Th...
➡️ Facebook: /stephencourson
➡️ Instagram: @stephen.courson
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
We all have dreams but many times they die before we ever really start after them. Why is that? Because of fear. But fear of what? That's one of the most important things we can ever ask ourselves otherwise we may never start living the life we truly want.
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Want to use the tool from the video to measure your cash flow and build wealth? Download my sheet for FREE here! https://www.coursonsolutions.com/budget-sheet
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Interested in resources to help you build the life you want and maximize your time, energy and money?
Check out our masterminds and resources at www.coursonsolutions.com
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
The past few weeks have been one of the craziest I can remember. Enough happened for an entire year, let alone a week. I got sucked into old bad habits like arguing with people pointlessly online and watching the mainstream news even though I know they're spinning the truth or lying outright. At the end of the week, I felt icky. I forgot how poisonous it is. So this is how I recommend dealing with insanity in life. Between Microsoft, Kamala's appointment without anyone voting for her, Trump's VP pick and so much more, we can't let the world overwhelm us with things we can't control. You control your time, energy, money and attention. Don't let it get wasted too much on things that don't directly impact your life right now.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
I just had my birthday and turned 37. And I can honestly say that I'm very happy and fulfilled, but that I don't really care too much about happiness. Lifestyle design is about building your life around significance and meaning. Happiness is a byproduct of that but its not as important as our culture makes it out to be. So here are 3 things I do that I think have contributed to satisfaction in my life.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
I had a rich mentor teach me one of the most important lessons about time that I ever learned. Once I took his advice and started viewing how I spend my time like how I spend my money, my life changed. Here's how you can make that shift and build the 4 types of wealth with this lifestyle design principle.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too!
Reaching that first $100k milestone is crucial and then the game changes.
Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.
You can watch the YouTube video of this on the link below, but these are the 7 steps that we walkthrough in my Mastermind that costs thousands of dollars...and I'm giving them to you today for free!
This proven system will help you find extreme clarity for what you want in your life and how to get it.
All you have to do after that is take tiny steps each day towards the life you designed and it'll happen faster than you ever thought possible.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
You’ve been lied to.
“You’re young, you’ve got time.”
“It’s okay, 35 is the new 25.”
“You’re 26, no one knows what they want.”
“You’ll figure it out eventually.”
Lies. Lies. Lies.
I can predict with scary accuracy where you’ll be in 5 years based on certain data points.
And for many people, the answer is “almost exactly where you are right now, just older.”
How can I do that?
Because you aren’t special.
Your life’s direction is a system, you get out what you put in…
And we can very accurately project where you will be based on your…
- timelines
- goals
- eating habits
- friendships
- music you listen to
- romantic relationships
- sleep habits
- screen time
- how you spend money
- values
- fears (or things you don’t fear but should)
Society doesn’t want you to worry about these things or have a plan.
It wants to assign them for you for its purposes.
Why?
To use your resources (time, energy and money) for its needs, not yours.
You don’t have time.
Because every moment you aren’t living your WHY and chasing your goals…
Society is sucking away the most precious things you have and will continue to do so until the day you die.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
People who win consistently don't look at the mountaintop. They focus on the next 3 steps. Let's talk about the power of stacking small wins and stacking them fast.
Use this spreadsheet that thousands of people use to manage their cash flow and budget for their life. It's simple, easy to use, and I walk you through how I use it to manage over $18,000+ a month in expenses.
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➡️ Need a proven financial system to reduce your debt before you pay another penny and implement automated financial systems?
🤘 Then get my course Foundation and in 2 hours, you'll have everything you need to knock out debt fast and manage your finances in 30 minutes or less every month. https://www.coursonsolutions.com/foundation
Get more resources on my website www.coursonsolutions.com
Welcome to my channel on how to build True Wealth. I create videos for ambitious people who have financial stress in their lives. By shifting behaviors, using tools and creating systems, you can reduce financial stress and build the life you want. 😍 SUBSCRIBE if you want to GROW: https://www.youtube.com/@StephenCourson?sub_confirmation=1
🔸🔸🔸🔸🔸🔸🔸🔸🔸🔸🔸🔸🔸🔸🔸🔸🔸
MORE TIME, MORE MONEY, MORE LIFE!
Watch these videos...
🤘 How to invest $1000
https://youtu.be/-eLHWoTZPq4
😎 30 and Broke? Secrets to building wealth fast
https://youtu.be/iOO7wAIG2q0
🔮 Get a reading list to make you richer fast
https://youtu.be/ZR_Z9cOeOcM
➡️ Facebook: /stephencourson
➡️ Instagram: @stephen.courson
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
The MET Gala is something I'd never thought I would discuss on this show, but here we are! Blocking Celebrities is trending thanks to a really poorly timed "Let them eat cake" theme and this is an important moment in culture where people are saying they've had enough.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
Do you know what the 4 Types of Wealth are?
They seem obvious once you hear them, but most people don't know what they are.
Time Wealth, Health Wealth, Financial Wealth and Social Wealth are the four types of wealth that every person has some level of. The question is how focused are you on them?
Most people are usually only focused on 2 of them at any point in time and leave the others unattended. Since they all tie together, its important that we are taking an honest accounting for how we are trending with all four.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
Why would you pay $20,000 if you could negotiate it down to $15,000?
Why pay 22% interest when you could get 0% for 12 months?
Why do all of the gurus leave debt negotiation out of their programs?
They'll mention it casually but they don't actually show you how to do it. And its an incredibly important step.
Debt negotiation is crucial and its not just for broke people. Millionaires do it all the time and with good reasons.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
I've read over 200 books on making money and almost 25% of the books were either useless, or flat-out wrong.
But these changed my life and here's the kicker...they aren't all about money!
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
Our Assembly panel of experts on Bitcoin discuss the current state of the market, SEC changes and how to evaluate if you should buy it.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
What gets measured, gets improved.
Businesses track numbers and data that are important for the company to survive and grow, so why don't we do the same thing?
The results are the same.
Ignore something and it will stay the same and slowly decay.
Track it, learn from it and grow.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
There's a simple hack that anyone can use to turn those negative thoughts into a growth mindset.
And no! It's not about eliminating those thoughts. They originate from a place of fear which is a natural emotion we will never be rid of.
Fear can be a good thing, but it can also prevent us from taking action.
This can help you get over it.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
People actually aren't bad at making goals.
They're terrible at starting them.
You don't start climbing a mountain by staring up at the peak all day.
You get your gear together, then you plan you first few steps. Then you look ahead a few feet and figure out the next point you're trying to get to.
Whatever your goal is, if you can't make progress on it in 30 minutes or less every day, then you need to simplify and make them easier.
Do a small, focused actions everyday for 30 minutes and build momentum towards tackling your goal. You'll be shocked at the progress you make.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
There is one investment that is NOT optional for anyone at any level of wealth at any point in time...
And that is investing in YOU.
So many people give up on developing their knowledge and skills after they graduate from school.
The only training or skill development they get is whatever their job provides. That's the fast road to average or worse.
With a little extra investment into your skills and knowledge, you can separate yourself not just in your job, but at life!
I'll go over how I make simple investments every year into myself and how you can copy this to earn more money and have more fun in life.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
We need to combine two cliche's for a powerful realization.
- Nothing changes if nothing changes
- You can't change anything but yourself
When you combine those two realizations, you come to a dangerous place where you can't pretend to be powerless in a situation.
Because you can always control what you are going to do.
But many times, we can let this sneaky victim mentality overtake us that manifests itself in just saying "well there's nothing I can do about it".
That's a lie. We can always do something about it. Don't take the easy and lazy way out.
Find one thing you can do to stop the momentum going against you and begin to reverse your situation to a positive one.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
Bitcoin just hit $50,000 for the first time in over 2 years.
But its different this time. Why? Because of the journey.
There's less roadblocks. Bigger players. And lots of hurdles have been conquered.
And most importantly, Big Finance got their greedy hands on an ETF.
This episode will explain why all this matters to anyone, even if you don't invest in crypto.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
If you're in your 30s and your broke or not where you want to be in life, stop feeling defeated and do these three things instead.
This decade of life hits hard with things like kids, getting laid off, marriage, divorce, still being single, inflation and trying to get settled in a career and be an adult.
A lot of times, we can lose our way a bit.
But you can shift momentum back to your side of things quickly with three actions.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
These are the best REAL side hustles to make some money with in 2024. I say real because there's actually demand for these things.
- Online Teaching and Tutoring
- Use my Kajabi code to get your first month free - https://app.kajabi.com/r/rtVwVxw2
- Growing popularity with substantial income potential.
- Platforms include Varsity Tutors, tutor.com (US), Tutorful, MyTutor (UK), Udemy.
-
Rates typically range from $20 to $100 per hour.
-
Short Form Content Creation
- Use apps like Caption (iPhone only) or Capcut (no editing skills needed)
- Focus on creating digestible content from long-form material.
- High demand from companies and creatives.
- Platforms like Fiverr and freelancer.com can be used for finding clients.
-
Possible use of AI to create content; earnings can range from $500 to $1000 a month.
-
Discord and Forum Moderation:
- Managing online communities on platforms like Discord.
- Typical rates are around $10 to $20 per hour.
-
Responsibilities include rule enforcement and community engagement.
-
Social Media Management:
- Managing and creating content for social media accounts.
- Scalable, with potential earnings of $500 to $1000 a month.
-
Services range from daily posting to full content creation and strategy implementation.
-
Virtual Assistants:
- Providing remote administrative support.
- Tasks can include managing emails, scheduling, and social media management.
- Platforms like Zirtual and Fancy Hands (US), Virtalent, Moneypenny (UK) offer opportunities.
-
Pay ranges from $15 to $50 per hour.
-
Equipment Rental:
- Renting out personal equipment like cameras or lawnmowers.
- Platforms such as Fat Llama and ShareGrid facilitate rental services.
- Includes insurance coverage for items rented out.
-
Earnings depend on item value and demand.
-
Car Rental (Turo):
- Renting out personal cars when not in use.
- A practical way for the car to generate income for itself.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
Last year, one of my most popular posts was my predictions episode.
So we are going to review the 2023 predictions I made and see if I got any of them right and then make new ones for 2024!
Personal finance, real estate, social media, stocks, the economy, trends in society...I do it all!
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Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
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About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
It's the end of 2023 and as I'm reviewing this very unique year in my life, I'm struggling with being discontent on how it went.
Fighting the expectations I have for myself is clashing with the accomplishments I've had in the year.
I want to encourage people to give themselves some grace. It's been a tough few years and I think we are feeling that.
Practice gratitude, count your blessings and go into 2024 with hope.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
Elon Musk broke the internet AGAIN.
He was being interviewed on stage with a bunch of CEOs in the crowd and said if you try to blackmail him with money by saying you won't advertise with his company if he doesn't do what you say...then F&*# you.
That got everyone talking about how it must be nice to be a billionaire and have FU Money.
But it got me thinking...how much is FU Money? I have it and I'm not a billionaire.
So I came up with what I think is a reasonable dollar amount based on my experiences and then talk about what FU Money really is.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
Have you ever heard of Occams Razor?
In the quest to increase your net worth and build financial stability, Occam's Razor is a powerful tool that can transform your decision-making and cost management.
Occam's Razor is a philosophical principle that advises simplicity as the best approach to solving problems. In this video, we'll explore how applying Occam's Razor to your financial life can lead to faster decision-making and cost-cutting strategies.
Discover how simplifying your investments and reducing unnecessary financial complexities can streamline your wealth-building journey.
By embracing Occam's Razor, you'll learn to identify and eliminate costly distractions and make more efficient financial choices.
I share practical tips on how to simplify your budget, reduce expenses, and invest wisely to help your net worth grow faster.
Cut through the clutter and embrace a simpler, more efficient path to financial success.
Subscribe now and start simplifying your way to a wealthier future!
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
For the past 15 months, I've been focused on building out the core components to the True Wealth Experience™ and the final piece is launching on November 15th!
You can register for the giveaways and special 24 hour offer here --> www.coursonsolutions.com/community-kickoff
When I finish my 8-week masterminds or people take my courses, the most common request, and it happens like 70% of the time, is for additional sessions or ongoing accountability.
The problem is I can't scale that. Not enough hours in the day but I understand why its so important!
I literally have accountability as a step in my process because its such a booster for success.
So I built an exclusive community for hi-performers that want to really focus on building wealth.
Every month, there will be...
- Masterclass (guest experts)
- Fireside chats (open sessions)
- Book club
- Resources like calculators and custom spreadsheets
- Ongoing updates on financial things you need to know
- Special offers and discounts
- And more
My community consultant told me that I need to charge 3x-5x more a month for this but I'm keeping it cheap because I want anyone to be able to get in.
The best pricing ever offered will be at the launch party. Even if you can't come and want to see the offer, register and it'll be sent to you for 24 hours!
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
Should you invest in a 401k no matter what? How much should you put in?
What if you want to start a business and need the cash or buy rental properties?
What should you do?
I have an unpopular opinion on this but I'm confident in the advice because I've walked the walk and seen how it worked out.
So I share with you the 3 ways I see 401k investing...
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
The fastest way to build wealth is through reskilling and upskilling.
Reskilling is learning something new that complements your primary way of earning.
If you do video editing but learn sound editing, that's reskilling.
Upskilling is simply training and continued education to get better at the skills you have.
If you make this a regular part of your year, even if you pay for additional training on your own, this will enhance your primary income through raises or promotions and make you less likely to get laid off when someone needs to be fired.
It helps that the best indicator of a future millionaire is their income.
So I use something called the Feynman Technique not just to learn faster, but to learn in a way that prepares me to teach a new skill or knowledge.
Well this is how I made $250 in an hour of work with a skill I developed and had never used to make money before.
I think you'll find with some focus, that you could do the same.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
Everyone has personal systems.
The question is whether or not you intentionally set them up and if they are producing the outcomes you want.
After coaching hundreds of people, I've come up with The Skeleton System. This is a system around money, time and cleaning that I think everyone can use.
From there, they can build on top of it and create a personal system that's set up to help them hit their long term Objectives and short-term goals.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
We have to make about 35,000 decisions everyday.
This can cause decision fatigue with daily tasks as well as larger goals.
If you are having trouble prioritizing what needs to be done, then use the 5/25 Method made popular by billionaire, Warren Buffet.
He's pretty busy so if it works for him, it will work for you too.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
Let's talk about the three vital money skills: making money through career growth and smart hustles, managing money by budgeting, and automating finances, and creating good spending habits for greater savings and investments. We talk actionable insights to achieve your money goals effectively.
[Keywords: financial success, making money, managing money, spending money, budgeting, investing, savings, money skills]
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
Then, create a plan and develop habits to become a millionaire before you want to retire and enjoy the life you want instead of the one society wants you to have as a complacent consumer.
I grew up poor and now I live around millionaires.
This summer, I realized that there are very different conversations happening at "rich BBQ" parties vs "poor BBQ" parties.
It speaks a lot to the mindset and direction of how people view and make money.
Talking about things like entertainment, gossip and celebrities takes up the majority of conversation at a Poor BBQ.
But the Rich BBQ is more often talking about opportunities, goals, networking and investing.
It's not that no one ever talks about other things at Rich BBQs but its not the majority of the conversation.
Your thoughts become your speech and your speech becomes your actions.
Talk about Rich BBQ topics.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
What is retirement?
What is the essence that makes up "not working" anymore.
Do you have to be old to retire? Does it mean you'll never work again? Is it a state of life where you've financiall reached a "work optional" situation for an extended period of time?
Matt Viera takes mini-retirements now and has designed his life around taking mini-retirements.
Listen to his breakdown on how he plans them and why he does them.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
LinkedIn is one of the most underrated wealth building tools.
People aren't sure how to build a personal brand on there when they are working for a company.
There is fear of backlash from the company, clients and personal embarrassment.
Hampton has a thriving personal brand while working in sales for a company. His insights for individuals and their company on the multiplier that having a presence on LinkedIn can be is huge.
Get some ideas from this and USE them!
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
People don't know where to start on their wealth-building journey.
They are hesitant to pay for a course or coaching at the start, so where do they go?
Well, fortunately, there are 3 great resources that are totally free and provide incredible amounts of value if you know how to use them.
They are YouTube, podcasts and LinkedIN.
These 3 resources hold a treasure trove of riches that most people skip right over. I'm going to show you how to use these to your advantage and kickstart your wealth building journey.
Growing your net worth and getting out of debt doesn't have to cost anything to get started.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
I am experimenting on myself.
For years, I've studied why people don't change and why they do.
Change is hard. Doesn't matter if its about getting your finances together and investing and budgeting or trying to eat healthier and exercise or just get better at a skill for your job.
It's worth it! But its not easy....or is that a lie?
What if it was easy to change? What if all you needed was a mask like a superhero such as a Batman or Spiderman?
Well, that's what I want to find out.
Over the next 90 days, I will be adopting the alter ego of my ideal person and his name is HotShot.
This is the lifestyle and fitness challenge that is part of the experiment.
HotShot loves to wake up at 5am. Stephen likes to get up around 6:30.
HotShot jogs a 5k 5 days a week. Stephen thinks jogging is stupid.
HotShot hits the punching bag 5 minutes everyday. Stephen...doesn't.
I have no goals for this (except to not get institutionalized at the end).
All I have are these rules. Its scary, I'm not going to lie. This is a daunting change for me.
So follow along on YouTube Shorts or TikTok for the next 90 days if you want to see how it goes!
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Is college worth it? Student loans are bankrupting people's futures and the cost of college continues to rise as student loans, interest rates and tuition prices all skyrocket.
That's what I debate with Brad Baldridge who is a financial professional who knows all of the secret ways to get funding for college and tax-advantaged solutions to make sure you pay as little as possible if you decide to go.
We discuss the current state of affairs, 529 updates and other important government-sponsored programs that people should know about when it comes to college.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
A game of Monopoly using real money goes viral and the lessons learned about financial dissonance along with it.
Adam Carroll has been making waves on the internet for a few years since his viral video but he's not a one-trick pony.
His insights on building wealth and saving money on your mortgage are worth thousands of dollars a year to those who use it!
Another contrarian masterpiece to help you build wealth in a day and age where following society's rules gets you nowhere fast.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
The worst buzz term in the money world is "financial freedom".
Financial independence is a close one too.
What does it even mean to be financially free?
Does it mean you are a millionaire? Can buy anything you ever want? Never have to work again? Don't have to work for 2 years?
It turns out, there are 7 levels to financial freedom and its really important to know which one you're at.
Only by knowing where we are, can we plan where we are going.
The goal isn't to go from Financial Freedom Level 2 to Level 7, its to go from Level 2 to Level 3. One step at a time.
This will show you exactly what those levels are.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Drew Breneman has millions of dollars in real estate in his portfolio and walks us through how he got into real estate with just a few doors as a beginner and eventually found investors to accelerate his real estate fund.
On top of that, we discuss how you can invest in real estate without ever having to buy real estate!
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
The average car payment continues to skyrocket.
But the cost of buying a new car is much higher than the monthly payment.
If you are considering buying a new car, then hear how its costing you tens of thousands of dollars more just in a few years than you think it is.
It's the number one thing that is keeping people from financial freedom and it has to stop.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Interview with Michael Pyle around a question so many are asking about...
"When do I know its time to break off and start my own thing?"
We get deep into the benefits of marriage and money while discussing opinions on Dave Ramsey and how he influenced our financial journey.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Fail to plan, plan to fail.
Mike Tyson said "Everyone has a plan until they get punched in the face."
I made significant increases in my income in my career when I started planning them out.
The number one indicator that someone will be a millionaire is the velocity of their income. How quickly does it trend up?
We plan for the money we make. We plan for investments. So why don't we plan to make more income?
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Why would you pay $20,000 if you could negotiate it down to $15,000?
Why pay 22% interest when you could get 0% for 12 months?
Why do all of the gurus leave debt negotiation out of their programs?
They'll mention it casually but they don't actually show you how to do it. And its an incredibly important step.
Debt negotiation is crucial and its not just for broke people. Millionaires do it all the time and with good reasons.
Connect With Me
Heroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
The hot new show on Netflix is the King of Collectibles that follows a family business that seeks out people with incredible collections of anything from trading cards to art to Gucci.
I discuss why buying collectibles can be more than just fun, but a lucrative investment strategy as well.
But just like buying stock in a company, you need to know what you're getting into before you buy it.
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Connect With Me
Heroes! Please leave a review one Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
If you are the average of the 5 people you hang out with the most, then you need to take your friend group as seriously as you take your goals.
This can be difficult when we get older and we start to diverge from the people we grew up with.
You can't get six pack abs hanging with friends in donut shops all day.
It's important to find people who are heading in the same direction you are with similar values and goals or you probably won't accomplish the goals you want.
Don't live with regret. Chase your dreams and your goals and dump your friends that don't align to that.
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Connect With Me
Heroes! Please leave a review one Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
The launch of my first two financial courses is here!
But before I talk about them, I wanted to share a quick history on my financial journey and how a totally normal, completely financially illiterate guy ended up here.
Then, I am excited to tell you all about the two different courses launching on April 19th, 2023.
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Connect With Me
Heroes! Please leave a review one Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
Goal setting is an art and a science, but there are frameworks you can use.
The one I find most effective is called the PACT framework. It works well for a few reasons.
- Accountability: The Pact Framework emphasizes the importance of creating a public commitment to your goal by sharing it with others. This creates a sense of accountability that can motivate you to stay on track and make progress towards your goal.
- Incremental progress: The Pact Framework also emphasizes the importance of setting small, achievable goals that lead to incremental progress over time. This helps to build momentum and confidence, making it easier to stick to your goal over the long term.
- Flexibility: The Pact Framework is flexible and adaptable, allowing you to adjust your goals as needed based on feedback and changing circumstances. This helps to ensure that your goals remain relevant and achievable, even in the face of unexpected challenges.
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Connect With Me
Heroes! Please leave a review one Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
ChatGPT wrote this description below about AI (it took 5 seconds to create):
Artificial Intelligence (AI) has the potential to transform industries and disrupt traditional business models. By using machine learning algorithms and predictive analytics, AI can automate routine tasks, improve decision-making processes, and create new products and services.
One of the most significant impacts of AI will be on the labor market, as jobs that involve repetitive tasks are increasingly automated. This trend is already visible in industries such as manufacturing, transportation, and customer service.
In addition to changing the nature of work, AI will also create new business opportunities. Companies that can effectively leverage AI will have a competitive advantage over those that do not. For example, AI can help businesses analyze customer data to provide more personalized and targeted marketing, or optimize supply chains to reduce costs and improve efficiency.
However, there are also potential downsides to AI disruption. As jobs are lost to automation, there may be a growing inequality gap between those who have the skills to work with AI and those who do not. Additionally, there are concerns around data privacy and the ethical implications of AI decision-making.
Overall, the disruption caused by AI will be significant, but its potential benefits make it a transformative technology that will shape the future of many industries.
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Connect With Me
Heroes! Please leave a review one Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
Loss aversion bias. Sounds boring but its an incredibly pervasive problem we naturally have.
It's basically just saying that humans feel twice the amount of psychological pain over losing vs they pleasure they feel from gaining.
In lamen's terms, you'll be more sad about losing $20 than you will about winning $20.
This is an instinct to protect ourselves that often gets in the way of big opportunities.
When I finally started to recognize this and realized that calculating upside and comparing it to the downside helped me get over it, my life changed in ways beyond investing.
It's crucial if you want to get rich quickly and ever want to become a millionaire.
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Connect With Me
Heroes! Please leave a review one Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
If you want to be rich, then you have to know the language of money.
These 25 regularly used terms will skyrocket your confidence and knowledge around investing, personal finance and talking money.
People are so afraid to talk about money because they don't want to sound dumb.
But every industry from construction to medical to finance to law as its own language and you need to be able to speak it if you want to grow your knowledge.
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Connect With Me
Heroes! Please leave a review one Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
It's rare I make a blanket statement but this is the hill I choose to die on.
If you don't have a budget, you don't really care about your future that much.
I just got off a call that I ended early because someone "had their budget in their head" to which I corrected them, no, they didn't have a budget.
So if you don't have one, download the Greatest Budget Template Ever Created for free and go fill it out. You'll instantly be better off than 2/3 of the people in this country.
Budgets are NOT about being so cheap you can't have fun. Budgets are about spending intentionally.
Millionaires have budgets. I have plenty of money and I have a budget. It helps me get what I want faster!
And that's what this will do for you. Whether your goal is financial freedom, to travel the world, buy a house or start a business, you need a budget.
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Connect With Me
Heroes! Please leave a review one Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
Every journey starts with a reason or it will soon be abandoned. These 10 questions came from Simon Sinek's book Start With Why and helped me define my WHY statement.
This became a guiding principle for my life and caused me to do some soul searching that ultimately led to me quitting my job and starting my own company.
It's been really fascinating to see how this has caused me to focus like never before and make massive strides personally.
The other real world benefit to this is money. I have made more by focusing on the things that really mattered to me and felt more passion for the work I do because of it.
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Connect With Me
Heroes! Please leave a review one Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
Most people want to start investing but don't have a lot of money to begin. I'll show you 3 ways that you can take $100 and get a massive return from it.
I've done this multiple different times throughout my life and I continue to do so and it keeps proving true.
The 3 things breakdown to investing in different elements of yourself:
1. Skills
2. Knowledge
3. Network
Most people don't view investing in themselves as an investment, but it is the number one thing you can do that will lead to increasing your net worth over time.
When you start leveraging these and building them up, you will see the payoff through higher pay, more job offers and confidence in yourself.
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Connect With Me
Heroes! Please leave a review one Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
The fundamentals are what make great athletes great. The same goes for investing.
How to invest $1000 is one of my most requested topics because a lot of people are looking to get started.
But the answer isn't as straight forward as people want because everyone is in a different place in their financial journey.
Focus on these 4 investing fundamentals to build a framework that will lead you to the answer of where to put your money whether its stocks, crypto, real estate, Pokemon cards or...even debt.
Sometimes paying down debt is the best investment you can make!
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Connect With Me
Heroes! Please leave a review one Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
Download the Work From Home Bible - https://www.stephencourson.me/
Working from home has a lot of benefits, but people have been reporting problems about feeling burnt out and stressed.
This is one of the main benefits of working from home, so if you are feeling this way, then you are doing something wrong.
One of those things is that you are probably not using compartmentalization to boost your productivity while simultaneously decreasing stress.
There are a few tricks in this video that will help you feel at ease, get more done at home and work less so you don't feel stressed. This will help you realize the benefits to work from home.
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Connect With Me
Heroes! Please leave a review one Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
Do you work from home or remotely? I talk about the 4 S's of a home office and important principles you'll need to follow or no amount of gear will matter.
I've been working from home for over a decade now and I've worked everywhere from my newborn baby's room to the big dedicated room I have now.
The gear and desk are obviously important, but there are other elements that go into making your home office setup effective and help boost you to reach max productivity.
Your home office is as much about your mindset as it is the physical location. That has to be in the right place before you can become the most efficient worker.
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Connect With Me
Heroes! Please leave a review one Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
VisionBoard Walkthrough Demo - https://youtu.be/8A6gXbjptuI
Work From Home Bible eBook - https://www.stephencourson.me/
Everyone talks about goals but many people are doing them wrong.
They could be missing elements of a true goal or they are making too easy or too hard.
This video will walkthrough how to make sure that you are setting goals that will move you towards success.
Do you set goals often? Do you track them? How do you know if setting goals is even working for you? Do you have BHAGs (big hairy audacious goals)?
The framework to success that's enabled me to become financially independent and do what I want when I want is due to the secrets I've learned from millionaires, athletes and hi-achievers over years.
Whether you want to buy a home, get into a college, travel to Bali and stay in the cabana huts or start building a family and having kids, creating the right goals is integral to making this happen quickly.
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Connect With Me
Heroes! Please leave a review one Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
We are wasting our time and we know it too! So what do we do about it to get more done in less time?
First, we need to understand what Parkinson's Law is and why it impacts us every day, especially at work.
Parkinson's Law basically says that if we set aside 30 minutes to do something, it will take 30 minutes to do, even if we could have done it in 15 minutes.
A lot of times, we notice this in meetings that could've been an email or a quick chat but just keeps going on and on.
Next, I discovered that by moving my standard meeting to 20 minutes instead of 30 minutes, I freed up hours every week and got the same amount of work done in less time!
If you are someone who works from home or remotely, these principles can make a huge difference in the amount of time it takes to finish a project. Give yourself less time and you'll be shocked how you still manage to get it done!
There are some great book recommendations too like Essentialism and Procrastinate On Purpose. Links are up top.
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Connect With Me
Heroes! Please leave a review one Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
Ikigai is a Japanese concept that means your ‘reason for being.’ ‘Iki’ in Japanese means ‘life,’ and ‘gai’ describes value or worth. It’s what brings you joy and inspires you to get out of bed every day.
Knowing your ikigai can help you:
- Design your ideal work lifestyle
- Live longer/healthier
- Create a healthy work-life balance
- Pursue your career dreams
- Enjoy your work
Answer these questions to find your ikigai
1. What do you love?If you’re currently working:
- Are you absorbed in your work?
- Are you more excited about going to work than you are about leaving work?
- Do you have an emotional connection to your work results?
If you have a hobby or craft:
- Do you have a hobby or craft you can’t seem to get enough of?
- Are you more excited about your hobby or craft than anything else?
- Are you emotionally connected to your hobby or craft?
2. What are you good at?If you’re currently working:
- Do people ask you for advice on topics related to your work?
- Are there parts of your job that come easily to you?
- Are you one of the best at what you do?
- Are you/Do you want to be an expert at what you do?
If you have a hobby or craft:
- Do people compliment you on your hobby or craft?
- Does your hobby or craft feel intuitive?
- Are you one of the best at your hobby or craft?
- Do you want to be an expert at your hobby or craft?
3. What does the world need?If you’re currently working:
- Is your work considered a high demand in the marketplace?
- Picture the next year, now 10 years — will your work still be valuable?
- Are you solving a social, economic, or environmental problem?
If you have a hobby or craft:
- Is your hobby or craft in high demand or desirable in the marketplace?
- Will your hobby or craft still be valuable in the future?
- Is your hobby or craft solving a social, economic, or environmental problem?
4. What can you be paid for?If you’re currently working:
- Are there other people getting paid for the same work you’re doing?
- Do you make a good living/Will you eventually make a good living doing your work?
- Is there a healthy level of competition for your work?
If you have a hobby or craft:
- Have other people made a career out of the same hobby or craft?
- Have people around you requested to buy what you do or make?
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Connect With Me
Heroes! Please leave a review one Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
Interviewing can be nerve-wrecking and difficult. It can also be problematic for people who haven't done it very much.
Jen Penn is a Vice President that has done thousands of interviews in her career and made hundreds of hiring decisions.
I picked her brain about the top things that recruiters and hiring managers are looking at when you are going into an interview and how to be prepared.
She drops some incredible insights about the people across the table from you and how to impress them and how not to screw it up.
The information she gives is crucial if you are someone who is looking for a new job amidst layoffs and openings in the job market.
Just this week, Microsoft, Google, Amazon, Wayfair, Salesforce and other large companies have announced large layoffs to tens of thousands of workers.
Get ahead of the game now by upping your interview skills!
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Connect With Me
Heroes! Please leave a review one Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
The focus of this podcast is to help people go from zero to 100K net worth and beyond. One of the best ways to increase your income is through reskilling and upskilling. The modern skill stack is a combination of four things that all tend to overlap:
-
Evergreen Skills
-
Personal Interests
-
Digital Leverage
-
Direct Experience
Here is what we cover in this episode:
-
The importance of reskilling and upskilling in order to be successful in today's economy.
-
The modern skill stack and how it can help you become irreplaceable in the workplace.
-
How to use your time to develop a skill set that is more valuable.
-
The importance of learning the language of business.
-
How to make money by constantly reskilling and upskilling.
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Connect With Me
Heroes! Please leave a review one Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
Are you working a 9-5 and dreaming about starting your own company? That was Shelby Clement's reality two years ago and she made one important, very low risk decision that changed her entire life.
Two years later, she's running a growing and profitable business. Even better, she's already bringing in a higher income than what she had before.
The lessons we discuss around her experiences, the skills she had to develop and how she found her first clients will give a blueprint in how you can start replacing your job without ever having to quit.
Despite having a husband and just one child at the time, the way she created her goals, got buy in and support from her spouse and then executed is a masterclass in branching out on your own.
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Connect With Me
Heroes! Please leave a review one Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
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Every year can teach us something and 2022 was a particularly hard year as our family was impacted by the recession and cancer.
But diamonds can't be made without pressure so I'm not complaining.
This year, I learned things about being a better husband, father and friend.
There were also lessons about investing and managing money during a downturn that are incredibly important. It's crazy to think that if a person started investing anytime in the last 12 years, that they've never experienced a negative year in the stock market.
This has shaken a lot of people. Well this time is an incredible way to accelerate your wealth through investing, saving and more.
Being prepared with your money, having an emergency fund, living will and other things are what will make the difference.
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Connect With Me
Heroes! Please leave a review one Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
I made eight predictions about money, investing and random things I thought would happen last year...so was I right about them?
I made predictions around:
1) The prices of bitcoin and ethereum
2) Inflation
3) College trends and applications
4) The NFL and Super Bowl Champions
5) Stock market returns
And a few others. So this year, I made predictions again on some big trends that I see coming like...
1) What will the best performing social media platform be? It's not TikTok...
2) How the stock market will perform
3) Why the car market is about to blow up
4) How less people will continue to apply to college and universities
5) Economic predictions
and a few more social and economic trends. I had to make a dating prediction too!
2022 was a rough ride but I'm really hopeful for 2023. I think that it won't be smooth sailing but if you are prepared mentally and financially for what's coming, it could be a year that skyrockets your wealth!
What predictions do you have for 2023? Drop them in the comments and we can check back in a year and see how we all did!
Subscribe to my channel and podcast, The Stephen Courson Show, for more financial and habit building advice to grow your net worth to $100k and beyond!
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Connect With Me
Heroes! Please leave a review one Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
People try and fix problems that aren't actually the root cause of their pain.
This mainly happens because there isn't a strong understanding of what the root cause of the problem is so we end up just fixing secondary problems that will just sprout up again.
If you want to really fix what's going on instead of putting a bandaid on it, you need to use the 5 Why Method to get a strong understanding of what the root cause of the problem is so you can address it.
Why should you care? How does this have anything to do with money?
Because most of our spending habits and investing problems are actually driven by our behavior. When you understand the emotional reasons behind going shopping, buying crypto or getting a new car, you will then be able to control those impulses more often.
It's worth noting this method applies to every problem from "my marriage failing" to "the sales department isn't hitting quota".
It's a powerful diagnostic tool when used correctly.
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Connect With Me
Heroes! Please leave a review one Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
Heroes! If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website https://stephencourson.me
On This Episode
Will Glass is on a mission to fix financial education with high schoolers and college students. After working in tech consulting and sales, he started a business called Ostrich that works with colleges to enroll students.
It's a unique take where the app actually gamifies hitting milestones like opening up a credit line or savings account and then gives you stats to let you know how you compare to peers.
We discuss dream journals (like actual sleep dreams), financial education and the lack there of, and why behavior is so important is finance.
You can download Ostrich in any app store!
About the Podcast
If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you.
This podcast is about unique investment strategies and interviews with hi-earning individuals on how they make money so you can copy us and grow wealth too!
There's a big focus on reaching that first $100,000 net worth is one of the biggest financial milestones because you have to get their through labor, not necessarily investing.
That's why the focus of this podcast is to help people go from zero to $100K net worth and beyond in 5 years or less, even if you starting at zero (or negative).
Connect With Me
Heroes! Please leave a review one Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!
If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website.
- YouTube
Big announcements in this podcast! Go to www.stephencourson.me and sign up for the newsletter if you want more details along with weekly wealth building tips (only takes 5 minutes to read).
I just did episode #100 of The Stephen Courson Show, the podcast about money and chasing modern freedom.
Thank you to everyone for your support.
What podcasting for 2 years has done for me…
- Increased my network
- I’ve developed 5 different skills (audio engineering, video editing, social media management, graphic design and communication skills)
- Skill stacking makes you dangerous and valuable
- Learned new ways to make money they don’t teach you in school
If you can do something purposeful for 2 years, it will change your life, many times in ways we don’t think.
And if you are going, I can’t do anything for 2 years…think about things you would consider bad habits.
- Drinking 2x soda a day
- Eating candy daily
- Only brushing your teeth 3x a week
Those were habits I had for over 2 years and I was DEDICATED. I was consistent. What did it get me?
- 5 cavities
- 2 root canals in 2 years (only had like 3 cavities my entire life before that)
- $7000+ in dental fees
- Was 19lbs over my ideal weight
We are creatures of habit and therefore consistent in our nature. We don’t like change. You are consistent at something. The question to ask yourself is this…
“Are my habits driving me towards the life I want?”
If not, then ask this…
‘If I could cut one bad behavior down by 50% today and stay consistent with it, what would that do for me?”
Start small. Think long-term. Change your life.
Announcements…
- I will be launching a series of products in 2023 designed to help you get from $0-$100k net worth quickly
- 4-7 minute videos on my YouTube channel
- Exclusive offers on LinkedIN (so Connect with me)
- Digital products meant to help you change habits, make more money and free up time
- So go to my website and put in your email address to stay notified and get a weekly newsletter
For this Thanksgiving episode, I take some time to open up and give thanks during what has been a very challenging year.
Cancer. Moving. New jobs. Young kids. All of it.
It's really made our lives difficult and put us in a constant state of change. It definitely hasn't made us "happy" all of the time. And that's totally fine because we don't focus on being happy.
Our focus is on significance. Things that have deep meaning. Our culture preaches that doing what makes you happy is the ultimate desired state. Society couldn't be more wrong.
It's impossible to be in a constant state of happiness. It's also very shallow. If you had a loved one dying in a hospital, would you not go see them because that would make you sad and not happy? Of course not. You would drive there as fast as possible. Why?
Because those last moments would be significant.
We get it mixed up. We think that if we are happy, we will be grateful.
But the dirty little secret is that its the opposite.
When we are grateful, we will be happy.
Heroes! If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website https://stephencourson.me
Sarah Carruthers is works in tech sales for her day job and is a 24/7 mother, wife and real estate portfolio builder.
She discusses the strategy she uses to invest with a little-known mortgage option called a first-lien heloc. She learned about this a few years ago and it enabled her and her husband to accelerate investing since they could utilize the equity in their home.
In this episode, she goes into detail on what it is and how it works. It's not for everyone, but for the people who have a solid plan to invest, its a powerful tool.
We also discuss having a contrarian world view, why thinking different than the mainstream is important, parenting and more.
It's Election Day and the mid-terms are here. Both parties always make big claims about what they will do for the economy. So who is correct?
Which political party is better for stocks?
I also give an update on the crazy hit that growth stocks have taken since the pandemic pump.
There are some real buying opportunities!
Heroes! If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website https://stephencourson.me
On This Episode
Will Watkins has made his way through the tech consulting and tech sales world since being drafted by the Yankees in the MLB.
When injuries ended his career early, he used a lot of the discipline and community-building traits he had developed to find new ways to network and lead in the corporate world.
This allowed him to rise quickly through the ranks while being a top performer. His wisdom and advice on how to get in front of important people in a way that benefits everyone is something anyone can do and there's no downside to it!
His purpose shines through everything he does as he lives a mission-focused life.
The government is denying we are already in a recession.
The media is mostly complicit in this false narrative which is driving poor behaviors in people who don't see how serious our predicament is.
The ones ignorant will be the ones hurt the most by it.
We ARE in a recession and its going to get worse. So here are 3 things to prepare for that.
Lucas Leblanc has had a busy decade. He went from working with rockstars like me in corporate to selling everything he has and backpacking the world.
His focus to chase a dream even when he wasn't sure what he was looking for is an incredible story that resulted in finding his true love and starting a real estate portfolio.
He shares lessons and wisdom that he learned along the way that's applicable to so many no matter what your journey looks like.
Heroes! If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website https://stephencourson.me
How do people like Elon Musk or Jeff Bezos or the millionaire next door that's only 35 years old become rich faster than everyone else?
They change one crucial thing about their income. They get paid off of the results they produce instead of the time they put in.
In this video, I'll compare how an administrative assistant can do the same job in the same amount of time but double her income!
Working an 8-5 job brings stability and income predictability. There's nothing wrong with that, but unless you're in the 1% of jobs like doctor, lawyer or some other highly-skilled job that gets paid $300/hr+, you won't become rich quickly.
Heroes! Add my newsletter to your financial resources to get you to your first $100k net worth and then launch you to your next $1M. You can read previous issues on my website.
For exclusive videos that aren’t on the podcast, check out my YouTube channel.
On This Episode
JQ talks about taking advantage of resources your city may provide and the importance of taking action!
From a random seminar to starting a small real estate empire, when you take chances, you may be surprised what you find!
We discuss how journaling has boosted his overall productivity and given him a legacy to leave his children.
Society and our poorly run education system teaches you to think in amounts. But people building wealth and millionaires think about money in percentages.
Society: A $4 item that goes to $5 is a $1 difference. No big deal.
Millionaires: A $4 item that goes to $5 is a 25% difference. That's a big deal. If nothing is different about the item, is it still worth it or can I find something similar? Do I even need it?
That is why its so powerful to think this way.
Now this is a small example but then multiply it to hundreds and thousands of dollars with credit card bills and mortgages and its life-changing.
Heroes! Add my newsletter to your financial resources to get you to your first $100k net worth and then launch you to your next $1M. You can read previous issues on my website.
For exclusive videos that aren’t on the podcast, check out my YouTube channel.
On This EpisodeMax Pashman is a Certified Financial Planner and has a large following on LinkedIN. He owns his own company Pashman Financial.
We discuss why his business model is changing the investing world for the better, early influences around money and starting a business during a pandemic.
He brings some hard earned wisdom along with industry-certified advice that everyone needs to pay attention to.
0:00 Intro
2:45 Growing up and parental influence on money
8:30 The importance of business and economics
10:15 Starting a business as a DJ in college
12:55 Important money lesson from his dad
13:50 California, life and money
16:50 The importance of social wealth, close friendships in business
24:40 Starting a business during COVID
30:27 Building trust digitally and in person matters
32:02 Give, Give, Give Then Ask! Leads and LinkedIN
35:45 Resources he found in order to start his business
39:40 Huge difference in money managers - fee based vs fee only
43:40 The problem with how financial companies are set up
47:15 Blockchain, crypto and guiding people through new assets
52:10 The importance of your WHY over money
Heroes! Add my newsletter to your financial resources to get you to your first $100k net worth and then launch you to your next $1M. You can read previous issues on my website.
For exclusive videos that aren’t on the podcast, check out my YouTube channel.
On This Episode
I discuss the 4 R's that my millionaire mentor taught me to help with big decisions. Too many times, we make mistakes when it comes to big moments we have to decide on like whether to take a relationship to the next level, changing careers, quitting and becoming an entrepreneur or having a child.
By using this simple framework to remove some of the emotion from your decision-making and clear your headspace, you will be able to quickly discover what you truly think is the best move without fear holding you back.
Connect With MeYouTube LinkedINWebsite
For exclusive videos that aren’t on the podcast, check out my YouTube channel.
If you want to join my newsletter about getting to your first $100k and then your first $1m, read them on my website.
On This Episode
Brett Diamond is the CAO of Deangelis Diamond, a $400M construction company but has had quite the unique path to get there.
He started three business between high school and college that all failed miserably but taught him lessons that were just as important as his degree. Then he started a co-working space and started a franchise before successfully exiting from that company.
A lover of technology, he found himself investing in crypto in 2018 and then flipping NFTs in its heyday. The lessons he learned from starting a business and trading stocks ended up being relevant to this skill.
After marrying his longtime girlfriend, Becca, they started a family and decided to raise a family the way they wanted to.
An episode with everything from entrepreneurship to climbing the corporate ladder to love, it’s got it all.
Key Topics
1:09 – Topic 1
4:32 – Topic 2
9:45 – Topic 3
Subscribe and Listen to the Stephen Courson Show podcast
YouTube Channel
Apple Podcasts
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For exclusive videos that aren’t on the podcast, check out my YouTube channel.
If you want to join my newsletter about getting to your first $100k and then your first $1m, read them on my website.
On This EpsiodeThere isn't an unlimited amount of modes to make money. There's just 5.
When I learned this last year, it changed my understanding of how to make money.
Being able to categorize every business quickly and understand challenges they have will help you in your job, creating a business or running a side hustle.
If you want to accelerate your path to your first $100k or first $1M, then knowing this is an important step. It will impact decisions you make along that path.
0:00 - How to make money
1:28 - Products: Creating a good and digital or physical differences
6:14 - Advertisement: Selling space and time
8:08 - Information: Consulting, spies, and changing the world
10:35 - Deals: Complicated and everywhere
12:20 - Services: Fastest way to make money
14:42 - What doctors, Lebron James, Tom Cruise and Zendaya all have in common
15:50 - How to start a side hustle with experience you already have
Heroes! Big news around student loans just dropped. Biden forgave $10,000 and up to $20,000 of public student loan debt.
If you are wondering if you qualify, be sure to listen to this podcast and understand the criteria and how to apply for the loans.
We will also discuss what to do if the loans are forgiven and the broader impact with taxes and inflation this will likely have.
Share this episode with someone else that has student loans. If they prefer video, my YouTube channel has this with news titles and graphics here. https://www.youtube.com/watch?v=MVT9Q62hrDs
Heroes always have a financial plan and try to stay in control of their money! The goal is modern freedom. Work on that first $100k net worth and the rest will come easy.
For exclusive videos that aren’t on the podcast, check out my YouTube channel.
If you want to join my newsletter about getting to your first $100k and then your first $1m, read them on my website.
On This EpisodeDJ, aka DJ Sneakerhead from the DNA Show on TikTok and YouTube grew up with a family who knew how to hustle. His upbringing impacted the way he saw the world compared to so many, but he never gave up on his love of sneakers.
With Nike headquarters down the road and a college football career coming to an abrupt ending after a terrible accident, he had to rediscover himself (literally) and break free of the physical and mental challenges that were holding him back.
Fighting through battle after battle, he began to turn a passion into a business. Then he turned the profits of that business into owning properties.
With a combination of street-savvy and timeless business wisdom, the lessons he shares about money and community is something we all need in today’s world.
Show Notes
1) Check out DJ's YouTube Channel
2) A powerful video on his accident (bring tissues)
Key Topics0:00 – Intro
4:05 – Growing up in the sneaker capital
12:55 - OG Pokemon Cards
16:15 - Money and business lessons from parents
20:03 - Benefits of social wealth
22:45 - Leaving home to play college football
32:40 - Getting a job very young and work ethic
38:25 - Not raising dependent kids and telling the truth
44:03 - Career-ending accident and rebuilding his life
53:20 - Special message to sick and injured people
56:02 - Evaluating friendships and social wealth
1:00:03 - The dirty secret of hustle culture and contentment
1:03:01 - Building his sneaker business and making money
1:06:45 - Chasing NFL dreams and dealing with failure
1:10:20 - Secret to making bigger dollars without burnout
1:13:30 - Biggest sneaker deal is shocking
1:16:34 - Social media as a business and data analysis
1:18:10 - Secret sauce to his business success
1:21:01 - Why you should invest money in stuff you love
1:25:00 - Never be in the same place as last year
This podcast episode of the Stephen Courson Show goes into detail of 3 silent wealth killers running rampant through the world.
You are losing money and you don't even know it. Did you know its possible for the amount of money in your bank account to stay the same but be worth less?
Also, if I told you had to light $75 on fire every month, would you do it? Well, you're probably doing that digitally on things applications and other things you aren't using.
Then, we discuss how companies are hacking our brains through your phone and causing you to spend more money than you ever meant to. These are trade secrets that ever major company in the world knows about.
You can't fight the silent wealth killers unless you know what they are!
Marlon Martinez grew up in Cuba and dealt with the communist government and inability to rise above your station. After his parents emigrated to the USA, he saw the work ethic of his parents and how they adapted to their new life in order to provide for their family.
This gave him advantages that have been statistically proven by a recent study done showing that when comparing native US citizens in poverty against immigrants in the US, the amount of immigrants that become wealthy is almost double. So why is that?
Marlon followed the old American Dream playbook, went to college, racked up lots of student loans getting a Masters degree and then bought a home just before the recession in 2008.
Almost $500k in debt and battling thoughts of depression and suicide, he turned things around fought his way back. His systemic approach to making money and then managing it to become debt free in a few years is a masterclass in mindset and execution.
Now a millionaire, he discusses how lessons from his past led him to success and true wealth.
Watch the interview on YouTube: https://www.youtube.com/channel/UCw93O2F4WXpAjpMuAfPeHzw?sub_confirmation=1
Subscribe and Listen to the Stephen Courson Show podcast
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All Other Platforms: https://thestephencoursonshow.buzzsprout.com
For my first interview ever, I brought on my wife, Lindsay Courson.
We discuss growing up in Wisconsin and the work ethic her parents instilled in her and her two sisters from an early age. Many of those lessons about the importance of hard work and education would follow her for the rest of her life.
After learning lessons about out-of-state tuition and racking up over $260,000 in student loans from going to med school and becoming a Physician Assistant (now called Physician Associate), she moved to Florida and began her career at a hospital.
Shortly thereafter, we began dating and our money mindsets clashed some. Despite falling in love quickly, we had to come up with a financial plan we could agree on before getting engaged. Many nervous conversations later, our future was cemented.
Lindsay found new perspectives on money and crushed her $260,000 in student loans in FOUR YEARS! That has enabled her and her family to build a dream home, travel and build true wealth.
Subscribe and Listen to the Stephen Courson Show podcast
YT: Watch the interview on YouTube: https://www.youtube.com/channel/UCw93O2F4WXpAjpMuAfPeHzw?sub_confirmation=1
Apple: https://podcasts.apple.com/us/podcast/the-stephen-courson-show/id1529053909
Spotify: https://open.spotify.com/show/1sZU4h11D9R9LuHFK267XN
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Why are so many people making over $100,000 a year living paycheck to paycheck?
This is a demographic called HENRY, High Earner, Not Rich Yet.
Part of the problem has to do with the new amount of options they have available to them. It lifts them into a new category of spending and the lifestyle options increase.
Once we add FOMO and CYTO to this equation along with poor discipline, we get a recipe for what we see now. People making lots of money with living paycheck to paycheck.
So how can HENRY's avoid falling into this? Turns out the lessons are quite universal. Let's talk about the 5 most common mistakes they make and what to do about it.
Know that we are more aware of our behaviors and have put a few of the foundational secrets in effect, we can dive into some more actions that DO NOT take much time at all that are scientifically proven to increase your net worth.
It is important we focus on our Time, Energy and Money on the things that matter so making sure we understand clearly what we are aiming for in the long term will enable us to build a plan in the short term.
Eliminating and reducing expenses that don't align to our goals is a big part of building your financial foundation. You don't want to be losing resources to things that ultimately don't matter.
All the discussed actions you can do in less than 45 minutes! There's no excuse! Get to it and live the life you want faster!
In part two of the mini-series, we discuss ways that you can "win" the money game.
We discuss the 7 types of money personalities at a high level. There is more detail on them in Episode 65 of the Stephen Courson Show if you want to know more.
It's important to know thyself if you are going to win the money game? Why? Because you to win the game you have to master yourself. It sounds like something out of a kung fu movie, but its true.
Then we discuss the importance of how to bypass the weaknesses of your money personality.
After we have done that, the third and final secret gets dropped so you can implement it to build your financial foundation.
In the first part of the mini-series, we define True Wealth and the Four Types of Wealth (4TOW).
The pandemic has caused people to realize more than ever that while money is important, it isn't the key to happiness. We see this in the ongoing battle of companies wanting people to return to the office and employees are battling back saying no en masse.
It's because they've found other forms of wealth beyond financial during this extended time at home and they don't want to give it up.
Whether you work from home or not doesn't matter, we all need to be constantly aware of True Wealth and strive for it.
This is the end of the Millennial Lifestyle Subsidies. What does that mean? All the cheap services we have become hooked on for their superior quality and ease of use will no longer be cheaper than more traditional options.
AirBNB will continue to be just as or more expensive than hotels.
GrubHub will kill your wallet with delivery fees, taxes, and other fees that make it not worth using. In my opinion.
This is true across the board for many other services and it's not because of a phase of everything being expensive.
It's because they have to start making money! Most of the companies are still losing money every quarter. There's a secret to doing that which is what we will go into on this podcast.
The bitcoin market moves in cycles and the rest of crypto follows.
Every 4 years, we have a dip. Why is that?
In this podcast, I'll talk about why every 4 years we seem to go through a Bitcoin and crypto is dead phase and why it continues to rise from the ashes.
Is it different this time around? A little bit. But its also a lot of the same.
Reskilling is the act of training in a skill that you do not currently have. It is different from upskilling, which is where you get better at something you already do.
Reskilling has been a big focus of money during the pandemic as people decide they aren't happy with their jobs and want to do something else.
There has never been a better time to start a side hustle or change your career! The opportunities to market yourself and find free or cheap resources to learn new skills are endless thanks to the internet.
We will discuss the process you must go through in order to reskill properly and how to start earning your first dollar with your new set of skills!
We know social media causes us to spend a lot of time on there, but research shows that we are now spending more money than ever on social media! If that's not enough, that number is only expected to skyrocket in the next 3 years.
Our brains have already been hacked to spend money on social media, but now our wallets are beginning to get hacked as well.
Saved credit cards, quick buy buttons, and pay later scams abound to get you to buy all the things you want but don't necessarily need.
So let's talk about 4 barriers that you can do to change your relationship with social media to help you make money instead of spend it.
A news article just came out talking about this statistic.
Is it true that people making $250,000 a year are living paycheck to paycheck?
Yes!
Is it kind of misleading? Also yes!
Let's dive in and talk about what the story really is about because its about more than the top 5% of earners in the USA. It's a story that's relatable to almost everyone in every earning category.
SOUND THE ALARM! Amazon's stock price just declined over 90% in one day!
Is it the end for Amazon? Is Uncle Joe Biden shutting them down for Jeff Bezos talking back to him about inflation? Will I ever be able to get 2-day Prime shipping again or will I be forced to actually go to a...physical store?!
Don't worry, its none of those things. It's called a stock split and its important to understand what that is because it will happen again!
So what should you do when it happens? Does this mean Amazon is a great buying opportunity? Or does this spell bad news for the Givers of Prime?
Let's go through it!
Having kids. Buying a home. Getting married.
These are some life changing events.
And I'd argue quitting a job to chase a dream is right up there with it.
I'm excited to announce that I'm going full-time into...this.
People have been asking this question a lot recently and its an important question to consider when you have a great investing opportunity available.
But considering your risk vs reward in these scenarios is incredibly important.
Investing your emergency fund is controversial, but don't worry, I've got the answer you can trust to be the right one.
The markets are red. All over. It's getting historically bad.
So let's talk about the fear and greed index and how to handle our emotions during times when you are losing money.
The good times have been good, but they're going to be gone for a while.
Listen in on the first ever Therapy Session and lets talk through this together.
As Bob Marley said, Don't worry...about a thing.
You've gone through life asking the wrong question. We are taught to focus on how much things cost but that does you a massive disservice.
It causes you to erase the possibility of potentially engaging or purchasing something that will give you a tremendous amount of value.
Millionaires train themselves to think differently about everything because they realize why its important to think beyond the cost of an item or business trip or investment opportunity.
When you make this one mindset shift, it will change the way you see the entire world.
There is a fascinating intersection between the richest man in the world, Elon Musk, trying to buy Twitter and the major news networks and elitists doing everything they can to block him.
He wants to take the company private and make everything transparent which would upend the power of censorship that all social media companies currently get to wield without any consequences.
It is not in the best interest of the powers at be for the common person to have access to a platform that allows free flowing ideas.
It IS in their best interest to force feed you things that confirm your viewpoints so you stay on the platform, click ads and shop, and make them money. It's also in their best interest to stay out of regulators ways by working with people in government to stay out of their way.
This has big ramification in business, government and our personal lives so its worth paying attention to.
Job openings. Interest rates skyrocketing. War continues to rage overseas. Lots of bad news came out the past two weeks.
So is a recession guaranteed? Should you run for shelter? Probably not, shelter is very expensive right now. But we'll go through the things you need to be aware of and how I know whether or not we are going into a recession.
Becoming a millionaire is pretty simple. You can figure out how to do it by surfing the internet for about 20 minutes. Multiple different ways to become rich and financialy independent.
So why isn't everyone a millionaire then if all it takes is 20 minutes to find out how to do it?
Because knowledge is not the biggest part of becoming a millionaire! It actually comes down to daily habits and behaviors. Most of the ways we handle money are driven by emotions and feelings rather than data.
This is why commercials trying to get you to spend money don't just give facts and detailed descriptions of their product or service. They try to make you laugh, cry, jealous or any number of emotions that will trigger you into buying their product.
So by understanding what your money personality type is, you can start to understand why you relate to money the way you do and take advantage of that by creating helpful habits!
So which money personality are you?
To say I "broke the internet" with my post this week about not paying down my home may be an exaggeration.
But I got more "hate-mail" and people showing general interest on this topic than any other before. And I get it. It's a hot button topic primarily because paying down your home is some of the most basic finance advice that parents have passed on.
Well, that used to be good advice. Now the landscape has changed and it isn't necessarily the case depending on your financial footprint. It's definitely not the greatest option for me so I go through and explain how, with the same $500,000, I can earn $1.8M with it than paying down my house immediately.
Have you ever created a budget but it didn't really stick? Do you think budgets are restrictive and mean you have to have less fun? Have you never created a budget but think things are fine the way they are?
If that's the case, you probably never created a budget that actually worked. There's probably a few reasons why it didn't and on this episode, we are going to dive into exactly what you need in order to make sure you create a budget that works.
It's not all about writing down numbers and expenses, but psychological and mindset shifts that are important. Finance is more about behavior than it is math.
Start working towards things that matter and stop wasting your time in ignorance to where your money is going. Time to take control!
Inflation. Ukraine at war with Russia. Supply chains are broken. The government keeps screwing up their policies and causing market havoc.
It all seems pretty bad, and it is, but it is likely going to get worse. That's not being alarmist, just reality.
But that doesn't mean there's nothing you can do about it. In this episode, we will discuss what is happening at a 10,000 foot level to give some understanding on why a war on the other side of the world is making life everywhere else more expensive.
Then we will go over things that you can control to make sure you don't end up missing opportunities to build wealth.
Stocks are going down. Crypto is going down. NFTs are going down. Even art is going down it seems!
The reality is that dips in an asset class are very healthy and part of the natural cycle of investing. They can be great opportunities if handled properly.
But too many people can throw money into something just because someone told them too without properly setting themselves up for success in that investment.
We will go over 5 questions in this episode to help you decipher whether or not buying the dip is the right move for you.
They're calling it The Great Resignation. More people than ever are leaving their jobs for new ones or to start their own business.
Jobs have to cater to these new demands of the workforce brought on by the pandemic or lose valuable talent! But does that mean you should quit? Maybe.
Be sure to consider these 5 things as you interview for other positions or companies. Salary is not the only thing you should be considering. Higher pay doesn't always mean more money!
I'll explain how that works and what to think about as you evaluate making a career move.
Do you know what the 4 Types of Wealth are?
They seem obvious once you hear them, but most people don't know what they are.
Time Wealth, Health Wealth, Financial Wealth and Social Wealth are the four types of wealth that every person has some level of. The question is how focused are you on them?
Most people are usually only focused on 2 of them at any point in time and leave the others unattended. Since they all tie together, its important that we are taking an honest accounting for how we are trending with all four.
Inflation at the highest its been in 40 years. Real estate skyrocketing. Supply chain disruption making every day items more expensive. Stocks are down big time in 2022.
Are we heading into a recession? It's hard to say but we can be prepared for when we do go into a recession. Did I say "when"? Yes I did, because recessions are a natural part of the economic cycle and there is no way to avoid them.
So if you know one is around the corner usually once every ten years or so, then why wouldn't you bother preparing for when it does happen! Well this episode will give 3 things to do to make sure you are prepared for a recession and weather the storm!
Be honest with yourself. How many times have you made a resolution and quit on it before you really started making any progress?
Change is hard. Doing hard things is hard! But its so worth it. So lets talk about how to set goals that are worth doing and six steps that you can do to drastically improve your chance of success!
2022 is here. Let's kick ass and take names!!!
In the last podcast of 2021, I talk about a few important items that should be on everyone's list of things to do. The end of the year is a time to get things done but also reflect on how things have been going.
The mix of functional and life advice is something that will contribute to all four types of wealth.
Check it out and hope you have had a wonderful 2021!
After my 193rd conversation on these topics this week, I've decided I needed to do an intro episode into these new technology terms so you can be educated on these in the future as they continue to break into the mainstream.
Cryptocurrencies and NFTs exist on the blockchain and understanding the difference and how they relate together is not super complicated but might take a little imagination.
I do my best to explain these with real-world examples and demistify these terms!
In the US, the holiday of Thanksgiving is upon us. And usually, shortly following that, the shopping weekend of Black Friday and then Cyber Monday would rush in full steam.
But this year is different. There won't be crowds in stores due to the pandemic. Many stores won't even have a Black Friday due to inventory shortages.
So I think its the perfect time to do something we need to do more of, and that's practice gratitude and contentment. The effects of doing so can be powerful!
The word "metaverse" is officially in the runnings for buzzwords of 2021 since Facebook changed their company name to it.
With all the talk of blockchains, NFTs and crypto happening, it was only a matter of time before this went mainstream. Geeks and nerds have been aware of the metaverse for sometime and it may suprise some of you to know that this isn't a futuristic thing...it's already here!
Actually, its been here for a quite a while, but it just hasn't been widely adopted yet. This is a trend that a $50B company is betting their entire existence on. Nike is already filing patents for digital clothing.
Don't miss out on the opportunities the metaverse brings and this episode is your intro into what it is and how to start dreaming/planning to make money on it.
In this episode, we go over a score of scientifically backed common sense that proves over and over that married people grow their financial wealth significantly more than single and divorced people do.
In an episode dedicated to my wife on her birthday, I talk about some of the successes we've shared as a couple.
Then, we discuss three questions that you need to discuss with your partner when you're dating to give your relationship a stronger chance of success and to get to know each other better.
The new buzzword for 2021...Shrinkflation.
It's happening on a mass scale and there's no doubt that it is impacting the things you buy on a daily basis. No this isn't what happens to guys in cold water, it's worse and its effecting your budget.
We'll talk about what it is and what you can do about it so you don't end up going into debt or losing money on day to day things.
Wow! Episode 50! Thank you so much for listening this past year. The feedback has been amazing and I can't wait to do the next 50!
This episode, I thought about what I want people to know about for the coming year in regards to money that are important. This is my personal list of things I think you have to pay attention to.
We discuss budgets, NFTs, investing and more on this list of priorities. If you take heed of these things, you'll be in a much better place in a few months!
There's a scary stat that is only just now coming to light. Colleges and Universities have seen this trend happening for years but many refuse to do anything about it because of how it looks. The optics are bad.
We are going to talk about the primary school system and why girls tend to perform better than boys as a possible explanation of this trend.
I dive into social, economic and cultural reasons as to why this is happening and why its effecting more than just how much money guys earn. It's impacting woman and potential relationship partners and causing incredible stress on businesses that have focused on recruiting people with college degrees even if they aren't relevant to the job itself.
Something has to give and I've got a few ideas on what that should be. So let's talk about it!
In part 3 of our Your Network = Your Net Worth series, we dive into the different ways you can use social media to increase your wealth.
Sites like LinkedIN are fantastic for connecting with professionals in your industry as well as recruiters who could potentially place you in a new job. But you have to represent yourself well in your profile and your communications to get people to really take notice.
I also go over the rule of 1000 True Fans and how you can use that to monetize literally ANYTHING if you have a following and make enough money for either a great side hustle or even a full-time career!
It doesn't matter if you're big on Facebook, Snapchat, Instagram, TikTok or YouTube! Each platform can be used to increase your net worth if you know what people are looking for on each platform and understand how to monetize on them.
So stop wasting one of the greatest gamechangers ever and lets get to it!
On part two of the Your Network = Your Net Worth, we dive into the networks of our alma maters. How do you utilize the connections that your college or university provide? What methods can you use in order to increase your net worth through these channels?
This episode focuses specifically on utilizing that network to get a new job or move to a city with larger opportunities in your existing company. It doesn't matter if you are about to graduate or have been working for 15 years, you can always tap into the ever-growing network of alumni from your university.
There's another tip at the end which can be a huge boon to finding a well-paying career universities provide. Check out the best practices and increase your net worth!
Many of you have heard the cliche, your network equals your net worth. But how much have you really thought about what that means for you life? Beyond that, what are you actively doing to increase your network to increase your net worth?
In this episode, we are covering specifically how our immediate network of the people we are closest too is impacting your net worth and how you can leverage your closest personal connections in order to make a little more money or a life-altering change!
The Great Resignation is upon us and almost half of anyone with a job is considering a new one. There are lot of reasons for this but overall, its COVIDs fault. We have all done a little soul-searching and many of us want to continue working from home or some hybrid and if our work won't cater to that, then peace out!
If you are putting yourself back out there, then this episode is a guide on how to prepare for 3 types of interviews:
1) Live or in-person
2) Over the phone
3) Via web conference (Zoom, Gchat, etc)
This is the first step in an exciting new chapter of your life. Be prepared, crush your interview and land the job!
Bitcoin has been very busy making headlines along with other cryptocurrencies like Ethereum and Cardano to name a few. In 2021, we saw Coinbase go public and become one of the largest financial institutions overnight in the world.
The returns cryptocurrency has offered over the past few years is hard to ignore, but does that mean you should buy it? The volality can be dangerous to emotional or rookie investors who aren't in it for the long haul. The markets are still young and immature and open to manipulation by large holders of crypto (called "whales" in the crypto community).
There's a few things you should do first before ever buying bitcoin or any other cryptocurrency. If you can say yes to the 4 questions in this episode, then you are good to go. But if not, try one of these other things first before you take on the risk.
A survey came out and found that people said they needed $500,000 in savings in order to feel financially secure. I have a huge issue with that number and I get into the details as to why.
I go over the results of the article and give a blind reaction to it in this first ever Super Awesome Article Review Podcast Episode! Not sure we'll end up calling it that or doing it again, but hopefully you'll enjoy it!
You've trained for 10-20 years at what you do. Now you're in Tokyo getting ready to compete at the Olympics against the best in the world. You battle and compete and end up standing on the podium recieving your medal as they play your country's anthem!
How amazing! But...
How much are you going to get paid? I mean, this is your full-time job. You are the best in the world at this skill you have. What does that mean for paying your rent? Turns out, it all depends on where you are from!
You'd be suprised about some of these strange ways to make money during the pandemic. Some of these ideas are going to be limited to while things are still restricted due to COVID-19 guidelines but others are good ideas in general that the pandemic has made more demand for!
If you are interested in hearing more about Everything Money, check out our website at www.everything.money and download the free Lifestyle Strategy Playbook to create a financial plan tied to your goals!
We are all shaped by forces around us which is why every generation has different tendencies than the other. Today, we will compare Millennials and Gen Z to understand how they think about money and jobs.
Millennials have paved the way for the digital world we live in now but Gen Z has grown up in it and know nothing else. This gives us different perspectives on it that both have wisdom and cautionary tales to learn from.
Gen Z is just full of people that are finishing high school and college (if they chose to go) and are now entering the workforce. They will continue to challenge some of the longstanding norms Millennials are battling such as the 9-5 workday, having to always go into an office, and needing a college degree to apply for a job that has nothing to do with a college degree.
While the generations differ in many areas, we are closely linked as we brave into this new digital world. Take some humble pie and learn from each other in order to best adapt to the new world we are building.
Gas has skyrocketed. Plane flights are limited and just as expensive. Hotels don't have enough staff. Airbnbs are overbooked and we are all sick and tired of being inside!
So if you're planning on traveling this summer or for the rest of the year, you need to do properly evaluate your plans and the costs as everything gets more expensive quickly.
In this episode we will go over how to figure out the best vacation and how to do it without blowing your budget.
Investing is a battle against many things, but one of the most common enemies comes in the forms of lies before we ever invest at all.
Whether the lies are something our inner voice tells us or its a co-worker at work or that uncle at Thanksgiving, these common lies are something we must be aware of in order to make solid investing choices.
Master these fives lies and you'll instantly become a better investor than you are today!
Remember, no one wants to get rich slowly. Everyone is trying to get rich quick and many of these lies stem from that line of thought.
You may have heard of inflation before but do you know how it affects you on a day to day?
In this episode we will go through what Inflation functionally does and why a little bit is fine but the large spike we are seeing is really going to hurt us if we don't prepare.
Ever walk into a Target and walk out with $150 more of stuff than you mean to buy? That's not by accident, but by design!
Amazon is having their big Prime Days right now and guess what, they aren't even great deals! But that won't stop them from pulling out all the tricks to get you to buy a bunch of things you don't need at all.
There is a lot of small psychological tricks that go into both physical and online stores in order to get you to buy more and in order to be a smart consumer, you need to be aware of those. We are going to go through 10 of the most common tricks out there.
Another foundational episode and one of the most downloaded from the Stephen Courson Show playlist.
This episode discusses a few key ways that millionaires think about money. Our mindset towards money and how we think about using it is ultimately what will decide if we become millionaires, not our income.
Even a low income earner with the right mindset and goals will be a millionaire someday. It will just take longer than it would with a larger income.
So what does that look from the eyes of a millionaire? Listen and find out!
I remember my first time taking an Uber. Cool car. Smelled nice. I knew what the price would be the second I booked it and way cheaper than a taxi. Hooked.
Rented an million-dollar mansion on Airbnb in Breckenridge to ski. 3 stories. Hot tubs. Close to the slopes. Split it cheap with some friends.
MoviePass! $10 a month to see all the movies you want! I mean, c’mon. We all knew deep down that couldn’t last, but we hoped the rest would.
And now its over. Why?
We were living that Gucci lifestyle at Nike prices. Those companies were subsidizing their services to get you hooked, but now that they’re public, they HAVE to turn a profit and the only way to do that is raise fees and prices.
Do you know how large the graveyard is of food delivery services? Maple. Sprig. Spoonrocket. Munchery. Those are just a few who have started and died after being unable to sustain growth by getting more funding from venture capitalist firms.
Classpass was a $99 a month unlimited spin class plan.
We went into subscription and everything as a service hyperactive mode and it was all so cheap, why bother to start asking questions if it will last? Because deep down, just like that Illenium song, Good Things Fall Apart.
The business model went like this. Build some code and an app. Make a service to-your-door or monthly accessible at a ridiculously low price. Get lots of users. Show that to venture capitalists who will give you tons of money. Make app better. Get more users. Get more money from VCs. All while, burning cash left and right and not making a profit. If lucky, get to IPO, cash out and become billionaires.
That’s where most of the ones that have survived are now. The top members and early VCs made their money and now they have to make a profit. Turns out, raising prices is the only way to do it and they’re praying to the Wall Street gods that you’ll stick around for it the service you love so much.
Financial Foundation: What Is It And Why You Won’t Become A Millionaire Without ItQuestion: Do you know what a financial foundation is?
Three Pillars
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6 months expenses saved minimum
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Insurance
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Cash flow
The point of the financial foundation is to be able to BUILD something on top of it. If it has cracks or gives in altogether, then its not going to hold anything that’s meant to last.
If you don’t have this together, then any investments or savings you have will be in danger of disasters and timing. Investments don’t always go up. Many times they’re in the red and when they are, there’s a chance other things are going wrong too and you don’t want to cash out of them and take a loss.
Without the FF, you’ll have no choice and will end up hurting yourself twice.
6 months expenses saved minimum
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COVID-19. Financial crisis of 2008. Fires in California. Floods in Louisiana. Stock market crash. Disasters WILL happen to you on a micro and macro scale.
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6 months expenses can be stretched longer if you cut back when having a harder time to find a job
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Gives you a chance to evaluate the best move for you and your family instead of taking something out of desperation
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Don’t have to go into debt and have interest worsen your situation
Insurance
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Generally, I mean health insurance and other forms that are legally required such as car and home-owners insurance.
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Insurance provides a safety net from disastrous events. Car accidents, injuries and illnesses can drain your resources incredibly fast.
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Protect you and your family.
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Its unfortunate health insurance costs so much in the States but do what you can about it
Cash Flow
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For most people, this is going to be their job or jobs. Its incredibly common to have a side hustle nowadays. Not always a good thing.
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Make sure any side hustles are worth your time or you could spend that time developing a skill that enables you to make more money in less time.
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This needs to cover you basic needs such as food, housing, transportation and daily expenses.
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If you can’t meet basic needs, then you need to reconsider your job and what you need to do in order to upskill to earn more. Getting a second job if your first job cannot support your basic needs normally means you need a different job in the first place.
Question: Why do people wait for things to get so bad before they change?
This is one of the most interesting financial statistics of the pandemic. Credit card debt has gone down despite people being out of work for weeks and months at a time.
As of March 2021, consumers had paid down a record $83 Billion in credit card debt in 2020! According to Wallethub, that is a record.
It is only the SECOND time in THIRTY FIVE YEARS that we’ve ended the year owing LESS than we started with. Can you guess the first? 2009 when the Great Recession hit.
Quote - “Sometimes, it takes a natural disaster to reveal a social disaster.”
All the data is very readily available. I can promise you there will be a major economic or natural disaster every 10 years. Then factor in personal disasters that will inevitably happen. Medical problems. Divorce. Bankruptcy. Laid off.
So if we know this will happen, why aren’t better prepared? The answer isn’t “access to information.” We have that!
There’s a lot of reasons and the ones I’m going to list are a mix of culture and being human. Two very hard forces to against.
1) We are indoctrinated at a young age about how to live and key skills are purposefully left out.
2) Your environment is holding you back.
3) You’ve tried before, failed and don’t want to try again for fear of failure.
4) You don’t react well to criticism.
5) There is not enough PAIN to cause meaningful change.
6) Poor role models
7) Little to no support for changing
8) Don’t know how to change
9) Fear that weaknesses will be exposed
10) Requires a change of values
11) Undermines self-confidence (we are good at what we are doing now)
12) Not intrinsically motivated for change.
So what is happening? Well since the pandemic began, the number of people looking to sell their home has gone down and the number of people looking to buy has gone up dramatically.
In classic economics, this is the whole supply/demand thing.
More people want to buy houses and there’s not a lot on the market so people selling their homes are getting CRAZY offers the day their house hits.
What happened is that as big cities shut down, people realized they didn’t want to be stuck in the city anymore and are moving to more open areas. The other part of this is many people have jobs that will involve them working from home whereas before they had to go to an office. This is making people want bigger houses with dedicated workspaces.
So as gravity likes to say, what goes up must come down. The same is true in valuations. We know that the housing market will correct, the questions are when will that happen and how bad will the correction be?
The answer is no, I don’t think we will see a housing crash. Will prices stop increasing at breakneck speed? Yes. They’ll likely slow from the 3-4% quarterly appreciation we’ve been seeing to closer to 1%, which is still very good for real estate.
So here’s three things that are going to likely make this all play out.
1) Interest rates – The Federal Reserve will most likely increase interest rates by the end of the year by up to half a point. This means that people will pay more for their loans from banks. That still puts us under an average 4% loan which is historically ridiculously low, but it will still cause things to cool.
2) Housing Supply – more houses will be hitting the market around September 21 for two reasons. The first is that the moratorium on being able to evict people behind on rent/mortgage payments will be up. Lots of rental owners are sucking wind after having tenants who won’t pay because they don’t have to and they will be forced to sell. This will also increase as housing construction continues to increase as more people get back to work and supply chains are fixed.
3) The Great Resignation – an overwhelming amount of people (over 40%) said they will begin searching for a new job at the end of 2021. Many organizations have mismanaged their workers or are requiring them to come back into the office and they don’t want to having got used to WFH life. That means there will be a lot of people willing to relocate in order to improve quality of life which could mean both, more demand and more supply.
So if you are looking to sell your house like I am in the next few months, I have little doubt you’ll be able to get top dollar for it.
If you are in the market to buy, just know that it is going to remain competitive for quite some time, but that things will slow down around September and you could likely find some better deals then.
***Download the free Lifestyle Strategy Playbook at www.everything.money and get access to the 7 Steps to create a plan for the life you want!
0.65 cents for Doge coin is the average price that millions of people bought the cryptocurrency at in anticipation for the price to skyrocket when Elon Musk went on national television to plug it. What happened was so obviously predictable that I predicted it weeks before.
I’m not psychic. I don’t have access to the ten multi-billion dollar individuals who hold 90% of all Doge coin to hear whether they were going to buy or sell more. If I had 3 wishes with a genie, I wouldn’t need to use a wish to figure out what the price would be a day after the big SNL event.
So how did I (and lots of other people) know this would happen?
Because I’ve been investing for a decade in everything from crypto to small businesses to real estate to stocks. And you learn that all those things have something in common.
Hype.
This stock is going crazy! Huge earnings coming. Check out this new crypto, its going to the moon! HODL forever! This house is going to move FAST (especially in this market). Get it NOW before the offers flood in.
Hype is great for the thing being hyped. It’s incredibly dangerous to an investor for one simple reason…all investors are human and humans are emotional and irrational.
Hype makes us turn away from red flags. Hype makes us lazy in our research of an investment opportunity. Hype creates urgency to buy something we may not be ready for.
Some of the best investments were the ones I didn’t make. Let that sink in. There were so many investments that were HYPED like crazy and by reputable people that I didn’t get into and would’ve lost my shirt on.
Only on extremely rare occasions can buying the hype pay off. There has to be something truly game-changing being announced for the price to continue to exceed the price of an asset when its at high prices in anticipation of an announcement or event.
An example would be Disney announcing Disney+. Absolutely huge. New revenue streams for one of the largest brands out there. Big knock to competition. All in one fail swoop. It sent the stock soaring. Ethereum announcing ETH 2.0 and the drastic improvements to its network. Real benefits. Competition silencers. That was massive.
So when its not one of those rare scenarios, this is usually what happens
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“News” is released about something exciting regarding an asset
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Circulation of that news causes early adopters and investors to promote it
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Hype train gets new interest and investment
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Once event/announcement is delivered the value of the asset is already super high
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This leaves little room for additional growth of the valuation
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If announcement doesn’t live up to expectations, early investors sell off their stake to take profits driving down price or holding it even
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The lack of additional growth to the asset causes alarm and disappointment to people who jumped in late who end up selling to avoid further losses
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This drives the price down further causing a downward spiral
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Majority of investors who joined late lose money
It really doesn’t matter what this is. Pokemon cards. Stock. Crypto. MLM scheme. Small business. Collectible sneakers.
So why does this keep happening over and over again?
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No one wants to get rich slowly
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People don’t know what their end goal is on an investment
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Getting greedy and not selling when you’ve had limited success
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FOMO
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Dogecoin, Crypto Investing and Elon Musk on Saturday Night Live Question: What does the CEO of an electric car company/space shuttle company going on a long-standing TV show have to do with the price of a cryptocurrency named after a dog in a meme?
This is the type of wacko things we are dealing with if you haven’t been paying attention to the hangover 2020 gave 2021.
Dogecoin – is a cryptocurrency that was literally built as a joke. Its so much a joke, that the founder of dogecoin (pronounced doggy coin, doje-coin, and dog e coin) sold it early on before it took off so he could buy a new Toyota. If he had held on, he could almost buy the company Toyota.
Cryptocurrency – Dogecoin is like Bitcoin, but NOT like Ethereum. It is a true cryptocurrency whereas Ethereum is a blockchain that is built like a network with its own token that people trade. Many “cryptos” have different use cases but only a few are meant to be actual digital money.
Elon Musk – CEO of Tesla/SpaceX and a few others. He is truly King of the Nerds. He made is original fortune by making a well known app called Paypal and selling it. Then creating and defying the odds with an electric car company and space shuttle company that recently took astronauts to the ISS without anyone flying it.
SNL – a TV show that has been running for years known for its hilarious live performances by many stars, celebrities and occasionally CEOs.
Okay, hopefully that catches you up and time to bring it all together. So before we go any further, we have to ask ourselves, what is money?
Well, an easy answer is that it is a store of value that people agree upon to utilize in order to purchase goods or services. So really, money can be anything as long as a lot of people agree. If we want to go back to using seashells as money, we could as long as enough of us agreed to do so and what it is worth.
That’s what dogecoin is. Its seashells. Okay, its computer code. But its code that got enough people to agree to trade ACTUAL FIAT MONEY in order to buy. And that has made some people RICH. It’s made a lot of other people poor but you don’t hear about those as much. No one wants to admit they lost this months’ rent on a fake currency online.
So should you buy Dogecoin before Elon goes on Live national television and plugs the meme coin and potentially driving the price up?
Well, I’ll answer that question with in this epsiode.
Is money that big of a deal in a relationship as everyone makes it out to be?
Yes, 1000%. I’d venture a guess that at the core of 99% of marriages ending, money was the key factor. And when it comes to dating, a lot of people would have saved themselves time and heartbreak if they handled money differently in the relationship.
People don’t ask difficult questions about money.
Usually, we go about this in a roundabout way. “What kind of job do you have?” is usually how we make our first assumptions but that really doesn’t mean much. I know electricians that are millionaires and lawyers that are living paycheck to paycheck.
A better question would be:
“If you got $10,000 dropped in your lap right now, what would you do with it?”
Does their mind go to spending it? Saving it? Investing it? A mix of those?
Then ask a powerful follow up question. “Why?”
Know what they will do is important. Knowing why they would do it is even better.
Do you understand their attitude towards money?
Are they risk takers or hoarders?
Both have upsides and downsides. Risk takers tend to do better at investing but gone to far can develop gambling habits and lose money. Hoarders are great savers but will never get ahead because risk of investing keeps them from making their money work for them.
Knowing where they stand and how extreme the attitude is will help understand what to expect from them.
Lack of synchronization of goals
He wants a house but she wants a lavish vacation. He wants a drone but she wants a new coffee machine. If you aren’t aligned with your monetary goals, then someone isn’t getting what they want and this will cause stress in the relationship. Even worse, both people are getting what they want and driving themselves into a pit of debt to do so.
Got credit card debt?
If you do, its not the end of the world. The bigger questions are:
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How did you get credit card debt?
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What’s your plan to pay it off and by when?
Debt is not created equal. What if they have $20k in credit card debt but it was to pay off an emergency medical procedure and they didn’t have insurance? What if they really wanted a new pair of Gucci shoes and Prada bag once a month and figured they’d make enough money to pay it off later?
Inability to Compromise
Usually in a relationship, especially in a marriage, there is one person who is handling the finances. Even when dating, if you two want different things but it’s a stretch financially to do both, then it you should be able to compromise or defer to the other person from time to time.
Too often, the person in charge of the finances ends up calling the shots which makes the other person in the relationship feel less in control and can hurt trust because they feel demeaned.
I've had many new listeners subscribe to the channel and this episode is foundational to so much of what we talk on here that I wanted to re-introduce it. Also, its the 2nd most downloaded episode so I thought it was worth re-introducing!
There are only 3 things you can really do with money. Are you aware of what they are?
***To get better control of your money and your life, create a Lifestyle Strategy using the FREE template on my website at www.everything.money
Don’t overthink this, they’re pretty easy. But if you can’t name all three immediately, it shows that you don’t keep this top of mind and that’s a problem. I’ll give you the first and most obvious one.
1) Spend Money.
I chose this first since this is usually the first thing we think of when we get a payday. We spend money on bills. That new pair of jeans we needed. Toys for the kids. That vacation we need so badly after being locked inside the past year.
Spending money is how we are conditioned by corporations who spend billions of dollars a year on advertising in order to get our money. In entertainment, we glorify people who talk about spending a lot of money on fancy cars and caviar. It’s part of our culture and plenty of other cultures around the world.
So unless you had a very strong familial influence to point you to the contrary or some other experience or strange personality trait, this is probably your first thought when you get $1000.
Money comes in. Money goes out. The cycle is simple and forever repeating until the day you die. Yippee.
Okay, let’s get to the second way to control money.
2) Save Money.
So this was probably your second guess. Probably because it’s usually your second thought. I’m revealing these in terms of order we think of them, if we think about them purposefully at all.
Maybe you took an online course or had a financial advisor tell you saving money is a good thing. Then, even more rare, you actually listened and took action!
Did you know that pre-COVID, 2/3 Americans could not pay cash for a $500 emergency! We are one of the richest countries in the world. Trust me, it’s not because we can’t afford it. It’s because we don’t prioritize it.
It’s like I tell a lot of people…if you don’t control your money then someone else will do it for you.
Saving up 6-12 months of expenses is the foundation to your financial stability. Think about COVID. If you were able to keep your job that’s amazing but many lost their jobs or couldn’t go to work because they were shut down.
How would your life be different if you had 6 months of your monthly expenses saved up?
Saving money isn’t about saving money. It’s about security. It’s about peace of mind. It’s about knowing that your family is cared for. It’s about less stress. It’s about living to the fullest
Now, to the third and final one.
3) Invest Money.
If the majority of people took the first two a little more seriously, hundreds of thousands of lives would be changed for the better. But if all those people started taking the first two AND this one more seriously, then the WORLD would be changed.
You will never retire if you don’t invest money. Simple as that. Investing money is so important its biblical. Even Jesus told parables about money and investing.
But we aren’t taught it in schools at ANY level. Why is that? Have you ever stopped and wondered why we don’t teach the most basic of life skills that every person in the developed world will have to deal with some day in schools? Basic money management
If we agree words have power, then why should you never use the term “broke” to describe your financial status?
Words are incredibly powerful. On the battlefield, did generals and military leaders stand silently before a charge or did they turn to their troops and give a compelling, passion-fueled speech to build up their bravery before they raced into blood-thirsty battle?
In martial arts, they teach you to give a shout before landed a major punch or kick. Why? Because its scientifically proven to create more power.
The discussion around words is all through religious texts. Most democratic countries are based on the concept of “free speech”. In China, you can be stripped of your job and have your entire family jailed and sent to re-education camps for speaking negatively about the government. In North Korea, they will shoot you in the street for saying something negative about the current ruler.
All this because of the power of words.
Proverbs 15:4: “Gentle words bring life and health; a deceitful tongue crushes the spirit.”
So now that I’ve made the case for the power of words, lets dive into four primary reasons you should never use the phrase “I’m broke” or any variation of it when referring to your financial situation.
Reason 1 – Because of the severity of its definition.
Broke falls under break which means:
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to separate into parts with suddenness or violence
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to cause an open wound
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to render inoperable
People are struggling with personal finance across the developed world. While broke is an accurate term for the state of our financial educational system, it is not a proper definition for your ability to change your financial state.
Reason 2 – It provides no hope for improvement.
The only thing that makes words more impactful is repetition of those words. People who call themselves “broke” reinforce more than their financial state to their psyche. They are building a case not to change.
Think about it in the context of these conversations.
“How’s your diet coming along? I know you said you were trying to lose weight.”
“Unfortunately, my diet is broke.”
“What’s the status of your school project?”
“I was working on it but its broke.”
“Have you tried to reconcile with your sister about the argument you had?”
“I would but our relationship is broke.”
Doesn’t these responses make the situation sound dire? Hard to fix? So why do we use this?
“Hey, do you want to go out to eat with us tonight?”
“I would but I’m broke.”
It’s such a deflating statement and over time, you will start to believe you truly are.
Reason 3 – There are better things to say!
So instead of using the B word, start reinforcing your dreams and plans instead.
When someone asks if you can go to eat and you are short on money, state why you can’t go!
“Thanks but I’m saving money for my vacation in four months. It’s going to be awesome!”
“Appreciate the offer, but I’m building towards my financial foundation right now.”
“I’m short on money because I am putting extra away each month for a down payment on a house.”
“I can’t this weekend because I’m putting an extra payment down on my student loans this month! Can’t wait to get debt free!”
The word fungible means “able to replace or be replaced by another identical item; mutually interchangeable.
Fungibility would be like me giving you five 1-dollar bills for one five-dollar bill. They are interchangeable.
***Go to my website www.everything.money and download the free Lifestyle Strategy Playbook and to get your money and your life moving towards the things that matter to you!"
Question: So what is a blockchain?
A blockchain is simply an digital record of transactions. The individual records are called blocks and get linked together in a single list like a chain (see where this is going).
So NFT’s are kept safe and secure on the blockchain which maintains their authenticity better than any real world signature or casing.
So let’s talk about art…
Art is a fantastic long term investment that not many people know about. It’s a little morbid, but a lot of art skyrockets in value once the artist dies since they cannot create any more art!
Usually it takes a window of about 10 years for art to appreciate substantially, but if its just hanging on your wall anyway, who cares.
Art is not tied to the stock market or what’s happening in the economic world in any way. This can make it very valuable though there can be plenty of fluctuations in value in the art world.
One downside to investing in art such as paintings, signed vinyl records and sculptures is that they can be hard to resell. There are plenty of auction houses but they take a hefty fee for their services. Outside of that, many times people want a way to verify that the art is not a copy and the ACTUAL piece.
ENTER NFTs…
There are two concepts I want to introduce. NFT’s to authenticate real world art and NFT’s as DIGITAL ART themselves.
To show that a piece is authentic, a one time NFT could be made and given to the owner of an original piece. Or if there are only five copies of something, then there could be five made. Whenever the asset is sold, the NFT is transferred to the new owner as a sign of verification.
Now here’s the mindblowing part…
What is the difference between real world art and digital art?
What’s the difference between a painting that hangs on your wall and a fancy, custom made background for your laptop? Aren’t they both pictures? Don’t they just sit there for décor and look pretty? Aren’t they worth whatever someone will pay for it?
But Stephen, art is real and tangible! No its not! What about music? That’s art but it goes away the moment its played unless recorded. And digital things better be considered “real” or that money sitting in your bank account ain’t worth a damn thing.
People are buying digital cats for hundreds of thousands of dollars and reselling them. Digital trading cards are flying off the shelves. The NBA is experimenting by selling digital copies to moments in games for a price.
A man that goes by Beeple just sold 5000 digital art pieces after creating one a day until he got to 5000. It took him over 13 YEARS to create this. Up until October 2020, he had never sold a digital art piece for more than $100.
He just sold the 5000 for $69 Million dollars. He is now one of the top 3 most valuable living artists. All of those digital prints live on a blockchain and can’t be hacked.
The best investment you can make is in yourself. – Warren Buffet
You can go to my website www.everything.money and download the free Lifestyle Strategy Playbook and follow the seven steps to start building a plan for the life you want!
Quotes:
An investment in yourself pays the best interest. – Benjamin Franklin
Investing time in improving yourself is the best investment ever. – Vijaya Rekha
I just believe in ownership. I believe in investing in yourself. Your foundation should be strong. – The late Nipsey Hussle
7 Ways to Invest in Yourself for Free1) YouTube2) Free online course3) Read a new book from the library or rent from Amazon if you have Prime4) Free workout videos everywhere5) Organize and declutter your home6) Start a budget7) Contact a new person each week and spend 1 hour a week dedicated to fostering new relationships (network is net worth)
Do you care whether your taxes go up? Do you care if the cost of everything in your life increases? Have you read the stimulus bill? We didn’t learn from the first round and this time is worse.
****Check out my website www.everything.money if you want to get a copy of our free Lifestyle Strategy Template and take control of the direction of your life!
Summary: So out of this entire mess, we are sacrificing the future of our lives and our childrens’ lives to inflation and out of all of all of this, pretend the number was just $190,000 to spend on COVID, then only approximately $66,100 is going directly to bailing out individuals, helping health care systems, funding the vaccine effort and funding agriculture to keep food on the tables.
Here’s a summary of what is in it since I doubt I’ll get you to read the full 5,000 page report.
Line item #1 – The individual mandate is $1400 checks for individuals making less than $75,000 annually and phases out for people with higher incomes. Married couples can get up to $2800 if they have a combined income of less than $150,000.
Problem: $1,400 is not the $2,000 that Biden and Harris promised. Also, it’s not enough period for people who have been laid off for months and still can’t return to work due to shutdowns. This is not about laziness. This is about the government banning people from working. We should be giving $10,000-$40,000 checks to individuals who are unemployed based on how many weeks they’ve been unemployed.
Problem #2 – Why are we bailing out the millions of people who have been able to keep doing their jobs remotely? They aren’t hurting. This money should be re-routed to those who need it or not used at all. This is going to contribute to inflation as the economy rebounds.
Estimated Cost – This part ONLY takes up $422B of the entire $1.9T bill. That’s less than 23% of the entire bill!!! So what is the rest of the money for
Line item #2 - Expand Child Tax Credit, Child Care Tax Credit, and Earned Income Tax Credit mostly for one year. The plan would raise the $2,000 Child Tax Credit to $3,000, set the credit at $3,600 for parents of children under age 6 and make parents of 17-year-olds eligible. It would also make the credit fully refundable, so low-income households would get the full benefit, no matter how little they earn, according to the Wall Street Journal.
Problem – None. This is actually a good idea and a TARGETED way to get relief to people who need it.
Estimated cost: $143 billion
Line item #3 - Provide grants to multi-employer pension plans and change single-employer pension funding rules.
Estimated cost: $58 billion
Line item #4 - Repeal rule allowing multinational corporations to calculate their interest expenses including foreign subsidiaries.
Problem: As far as I can tell, this has no bearing on the outcome of COVID-19 and providing relief to those who need it and getting people vaccinated. Therefore, its pork and shouldn’t be included.
And the list goes on!
This week's episode is hosted on the WHOA GNV podcast. We had a mastermind with everyone from professional wealth managers, complete noobs to trading, people who barely knew what crypto was and a recent full-time day trader!
It was a fascinating conversation that covered everything from the Wall Street Bets and GME/AMC debacle with Robin Hood, how to invest in crypto (if at all), what good investing looks like and ultimately, how to make money!
Be sure to check it out and smash the like button Youtube!
YouTube: https://www.youtube.com/watch?v=-sdtdB59Fqs
iTunes: https://itunes.apple.com/us/podcast/whoa-gnv-podcast/id1381002391?mt=2&i=1000410719480
Soundcloud: https://soundcloud.com/whoagnv/
Stitcher: https://www.stitcher.com/podcast/whoa-gnv-podcast
Spotify: https://open.spotify.com/show/3vZ0Bg4FJmdx3VPKg4ehMf?si=2ET-VhjXRtqIDUTp_Dau7w
COVID-19 has impacted almost every single industry and job in the world. Most for the worst. Few for the better. But everyone has had to adapt or die.
Quote – “It’s not what happens to you, but how you react to it that matters.”
THE BAD
How many people were impacted negatively?
42% of Americans said their level of financial security was the same or worse since the pandemic began.
That is with stimulus checks, payments on mortgages and loans being suspended for certain periods of time, bailouts for businesses to keep people hired and more. Despite ALL that, almost half of people in America are the same or worse.
The top areas where Americans have cut back have been on dining out (64%), entertainment (61%), clothes and apparel (55%), and travel (52%). While this has helped many Americans save, the significant cutbacks have destroyed these industries and the jobs associated.
Unemployment spiked to 14% in April 2020, and since then 63% have been living paycheck to paycheck.
1/3 of Americans have opened up a new credit card since the pandemic
Since COVID-19 hit, more than ¼ of Americans have accumulated $10,000 or more in debt.
47% say they ran out of their emergency savings funds.
82% of people said if they were hit with a surprise $500 expense, they could not afford it! That’s up from about 55% pre-COVID.
THE GOOD
63% of people have started to save more and cut back on discretionary spending.
Considering we set records in 2019 for an average car payment of $554/mo for a new vehicle and $391/mo for a used car, this is very good to see. 32% of Americans have said controlling their spending is their top goal for 2021. Let’s hope it sticks.
For those who have 401ks or investment accounts, the stock market main funds returned anywhere from 9.7% on the Dow Jones to 45% on the NASDAQ. It was a great year for tech and other industries.
Also, homeowners should notice that their property values have gone up since there is a record shortage of homes for sale and a huge demand since interest rates are so low.
THE UGLY
Things will continue to get worse and more disparate until the coronavirus cases slow.
Government shutdowns will continue to be sporadic and do significant damage to small businesses if shutdowns continue.
Certain industries such as movie theaters and cruise lines may take years to recover if they do not pivot and adapt quickly to new health standards.
Small businesses in all industries will be forced to adapt to more digital and contactless ways to do business in order to survive the next few years. This is hard to do on a small staff.
Are you already slacking on those new year's resolutions? When was the last time you picked up a book that wasn't required reading from school or your job? What are you doing to separate yourself from the others at your job or in your field to make even more money?
Reading and self-education is one of the few ways to truly get ahead and if you aren't sure where to start, I'm going to give you four books that will help you make/keep more money.
There are a lot of good books like Rich Dad, Poor Dad and How To Win Friends and Influence People and all that. But I've picked some more obscure reads that you might not have heard of before like Essentialism, The Richest Man in Babylon, Who Moved My Cheese, and The Automatic Millionaire.
These books offer different perspectives that I think are crucial if you want to lock down your financial foundation, free up your time and really work towards the things that are important to you.
Take my advice and the advice of these books and use it to prioritize, take back your time, quit things that don't matter and start making serious progress on the things that are most important to you!
This has to be one of my most requested topics! Where do I start investing?
That question is going to be different based on so many factors like how old you are, the amount of risk you are willing to take, how much are you hoping to earn, and how quickly?
We will go through four questions that should help you decide what the best investment strategy is for your money whether its $1000 or $10,000.
You have to remember to think beyond real estate and the stock market. There are other investments such as credit card debt, high interest loans, and increasing your skills by investing in you that should always be considered as well!
So if you've got some money burning in your pocket and you want to take the next step on your financial journey, then let's get started!
Get my free Lifestyle Strategy Playbook at www.everything.money so you can build a plan to get the life you want.
Have you heard about what has happened on Wall Street and Big Tech this week around GameStop and AMC stocks? Robin Hood is in big trouble for their role in contributing to blatant market manipulation. It was a WILD week that all came down to one thing.
Revolution.
As the news took over, people started bashing Robin Hood and calling out hedge funds and the billionaires behind them for the simple reason that they got beat at their own game. It was a true David and Goliath scenario.
The amazing thing about it all was that people would not sell! Celebrities and business owners like Dave Portnoy and Elon Musk joined in the action. It was downright criminal and a blatant attempt at the rich trying to wrongfully take back what they lost.
All this from a bunch of people collaborating on an internet forum. It was incredible. Give it a listen and share the episode if you know someone who would enjoy it!
You can now download my Lifestyle Strategy template for free at www.everything.money
Start with Challenge Question: It’s an age old saying. Money can’t buy happiness. But can it? Like, actual true happiness?
I guess the question is not so much “can money buy happiness” as it is “what do you consider happiness”?
Quote – “Money can’t buy happiness, but it can make you awfully comfortable while you’re being miserable.” – Clare Boothe Luce
Quote – “Anyone who tells you money can’t buy happiness never had any.” – Samuel L Jackson
For the purposes of this conversation, we are going to define happiness as being able to meet your basic needs, enjoying life experiences and having social ties.
Going off of my boy Maslow, our basic needs mostly can be pretty much be purchased. So money checks the box there.
What about enjoying life experiences? A jet ski is a helluva experience. That cost money. Hiking in the park and enjoying nature is free…minus the mosquito repellant. So overall, that’s free. Disney. Money. Stargazing or beach going (if you’re close to one). Free. Watching movies. A little money. Laughing about your favorite movie with friends. Free.
So it goes both ways there.
So, it is possible to have money buy elements of happiness, but its not necessary. However, it is difficult to say that without basic needs like shelter met, that happiness can be found. It doesn’t have to be fancy, but it has to be safe and reliable. That usually takes a form of money. So I’d give the point to money on this one.
Study
In a study done with over 450,000 Americans in 2010, they seemed to correlate a magical number of income where emotional well-being (defined as spending time with people they like, avoiding pain and disease and enjoying leisure) was $75,000.
Adjust for inflation and that’s about $89,000/household.
This is about the average income where the trend of well-being seems to taper off. The study isn’t sure why but they give a few reasons. But I think I have an idea that they kind of danced around but didn’t hit. LIFESTYLE CREEP.
$89k for a household is just enough to keep everyone comfortable, have a nice house, maybe a vacation or two a year if you watch your spending. But its not enough to significantly upgrade your lifestyle and take on debt that can weigh you down and cause stress.
41% of Divorced Gen Xers say they did it because of financial issues and dating experts say that money is the number conflict driver in relationships.
1/3 of couples say they have lied to their partner about debt.
Why is this? Because talking about money isn’t talking about money. It’s a discussion around values, goals, and priorities because that is what we use money towards!
The more shallow a relationship, the less these things get discussed and can become problematic in moving a relationship forward if those things digress too much.
Now having money means that there is more to be blown and not having enough means that stress can increase. So it’s really more about wealth than it is having money.
I think it’s safe to say money CAN buy happiness if you follow these three steps:
1) Use the money to meet basic needs
2) Openly communicate early and often with your partner/spouse on decisions regarding money
3) Use money for wealth, not to get rich.
Listen to episode #001 for more on what that means.
Start with Challenge Question: Do setting goals make a difference in your everyday life? Is there such a thing as a bad goal?
If you planned a roadtrip, but never set a destination, doesn’t that sound kind of ridiculous
Goals give you a purpose and direction.
Quote – The problem with not having a goal is that you can spend your whole life running up and down the field and never score.
Fact #1 – People who WRITE DOWN goals are 42% more likely to achieve them. That’s it. You just have to write it down.
It’s good to have goals in multiple aspects of your life such as: career, education, financial, family, hobbies, fitness and fun!
How to make a SMART goal:
S - Specific
M - Measurable
A - Attainable
R - Relevant
T – Time-bound
Okay Goal: "Read 3 books"
Better Goal: "Read 3 books by September 30th"
Great Goal: "Read 3 books on operating a startup and personal finance by September 30th"
Perfect Goal: "Read (Book 1 Title), (Book 2 Title) and (Book 3 Title) by September 30th"
Fact #2 – Having someone hold you accountable increases your chances of success to meet a goal by 95%!
If you are married, don’t have your spouse be your only accountability partner. Have close friends or other family members be sure to hold you accountable as well.
Set goals over time and work backwards. Start with 3-5 year goals. Then 1 year. Then 6 months. Then 1 month. Then 1 week.
Fact #3 – Setting regular goals gets you comfortable with failure and builds up your grit. You won’t be scared to try things that are new or difficult because the fear of failure will be significantly lessened.
Five Jobs That Make Over $60k And Don’t Need a Four-Year Degree Question – Do you need a four year degree to make a decent living?
Point #1 – Is the quote by Musk.
Quote – “You get paid in direct proportion to the difficulty of problems you solve.” – Elon Musk
Point #2 – A college degree has a direct correlation to value in fields like engineering, accounting and nursing. But increasingly, a degree holds no correlation to the field of work graduates go into. So here are 5 jobs that pay very well and don’t require a degree!
Job 1 – Web Developer
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There are three kinds of web developer. Front end (the part of the site people see), back end (the infrastructure and behind the scenes stuff) and full-stack developer (can do both front and back end).
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They can easily earn $60,000 and a full stack developer can get a six figure salary.
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Design exciting websites, work with graphics, and test new features
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Monitor web traffic and learn to understand customer buying trends
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Work from anywhere there’s a good internet connection
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Glassdoor reports the average salary for a front-end or backend developer is around $74,000 but this varies heavily due to experience and can be much higher.
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A full stack developer can make an average of $95,000 and be much higher based on experience.
Job 2 – Executive Chef
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Love food? Try being an executive chef! You have to know more than just cooking. You need to be able to manage people and a kitchen as well.
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Creating exciting new dishes and entrees
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Hire and train staff
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Follow all food and safety regulations
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According to Payscale, the average pay is $61,400
Job 3 – Claim adjusters and examiners
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Investigate the circumstances of insurance claims
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Review police reports of incidents
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Compile evidence from multiple sources
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Claims adjusters on average earn around $50,000 but get perks like company cars and bonuses that total over $60,000 in total compensation
Job 4 – Electrical power line installers and repairers (lineman)
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Installation, repair and maintenance of overhead and underground electrical power lines and auxillary equipment
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Working on everything from power plants to customer’s homes
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Jobs in every city with utility, energy or telecom companies
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Get to work outside, high up and little desk time
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The average lineman can make $65,000-$74,000 depending on the type of company they work for
Job 5 – Diagnostic medical sonographers
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Not just about babies, but important for heart and cardiovascular system to detect blockages of arteries, veins and heart (life saving information for many)
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Only two years for an associate degree and an expected increase of demand for this position by 19% over the next 10 years
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Jobs in hospitals, doctor offices, medical labs and outpatient centers. There’s also new markets for traveling sonographers if you like moving to different places often!
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Average salary in 2019 was $74,320 according to the Bureau of Labor Statistics
If you want to build a Lifestyle Strategy so you can earn more money and have more time to spend on the things that are important to you, then download my free Lifestyle Strategy Playbook at www.everything.money.
Join me for a personal discussion on what the lack of gratitude did to me in 2020 despite having some of the most amazing moments of my life happen in 2020.
In this episode, I discuss why practicing gratitude is so important and why it was so difficult in 2020 for so many. Having reasons to complain is not a reason to not practice gratitude. And practicing gratitude doesn't mean you can't complain.
It has been a difficult time for me over the past year yet some of the best things ever happened to me in 2020. So how do we balance that? And what does that have to do with money?
A LOT.
Whether or not we have enough money all depends on how much money we need and how much money we need all depends on what we need money for.
Gratitude is scientifically (and just obviously) proven to reduce the things we think are important but really aren't.
Investing: Where to Start?
Sometimes the best investment doesn’t look like an investment.
Point #1 – Before you invest in property, stocks, or anything else, you have to look at your debt.
People don’t realize it, but sometimes paying down additional debt has the BEST RETURN on your money? 20% on a credit card is a better “investment” than buying a stock with a 10% return. That’s a 100% better return on your money.
Let’s say you get a check for $10,000 and are looking to invest it. If you had $10,000 in credit card debt at 20%, that’s going to cost you $2000 in interest. If you took that $10,000 and invested it in the stock market and made 10%, then you would make $1000 and of that $1000, you would have to pay taxes on top of that! If you pay 20% on it, then you only made $800.
That means your actual investment earnings was $800. You could have kept an extra $1200 if you had just paid off the credit card!
Quote – It’s not about the money you make. It’s about the money you keep! That’s not just a reference to spending, but taxes too.
Point #2 – Do you have 6 months of your monthly expenses saved? If not, invest in stability and your financial foundation.
Can you imagine trying to build a house without laying down a foundation? That’s what investing without 3-6 months expenses is. Because most good investments require time to accrue additional value and can often fluctuate in value or be unavailable altogether. Well if disaster strikes and you need to pull your money out prematurely or can’t access the money because its locked up, then what good is it if you get kicked out of your house!
Investing in your financial foundation is the best place to start.
Statistic – 2 out of 3 people don’t have $500 saved
Point #3 – Invest in what you know or pay someone to invest in what they know for you
Trading stocks is a bad idea for most people. Emotions will ruin you financially. So paying someone to manage your money is often a fantastic way to go.
Do you know the real estate market really well? Then researching and buying property is probably the way you should go!
Investing in a new business has a massive upside! Are you looking to start a side hustle or full time company based on a hobby or passion? Then this can be a great investment as well! It’s risky but has a huge upside.
Not an expert on any given thing? Then find something you enjoy that you could monetize and invest in yourself! Buy online courses, go to seminars and conferences, get a mentor in that space. An investment in yourself is the best investment.
But the most important thing about investing to remember is this…
Quote – “If you aren’t sure what to do, then the best thing is to do nothing.” – Mark Cuban
Why are we so afraid to talk about money? Why is it considered a social taboo?
From an American perspective, we can blame the British for this one. Jodi R. R. Smith of Mannersmith Etiquette Consulting said that the wealthy didn’t need to discuss it because most wealth was based on land so it was relatively easy to figure out what someone earned. And those further down the feudal ladder had very little so there wasn’t much to discuss.
Stat 1 – 76% of people are not comfortable ASKING A FRIEND how much they make.
If you can’t ask a friend, then who can you ask? Shocking results from this survey. The one silver lining is that younger Americans are more open to talking about money over dinner, but it’s still less than a quarter of them.
There are three types of groups where it is most natural (or not natural) to discuss money
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inter-generational, in which parents and children don’t discuss money with each other,
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publicity, in which wealth is not publicly disclosed (to the dismay of charities), and
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peers, in which one does not discuss wealth with friends or colleagues so as not to either embarrass them or feel ashamed yourself.
Fact – Men are more comfortable than women talking to friends and family about money.
This hurts women when applying for positions because they have less leverage and understanding about what their skills are worth on the job market.
Point 2 – Student loan debt is the most uncomfortable financial topic to discuss (36%) followed by childcare expenses (30%) and living paycheck to paycheck (26%).
Point 3 – Only 11% of parents are likely to start a conversation about money with their ADULT children!
51% of Americans and 71% of Millennials think that society would be healthier if people felt they could discuss personal finances more freely.
75% of Americans admit to having made a financial mistake and most people listed “financial knowledge/education” as the primary cause for most of them.
So why? In our culture money is a measure of success. When people don’t feel as though they measure up, to even their own standards, it can create an anxiety that we will expose ourselves as failures to others and ourselves.
If we expanded our definition of success from being solely about money then we probably wouldn’t have as hard of a time talking about. I don’t consider “rich people” successful. A lot of rich people are divorced multiple times with drug addictions and aren’t contributing members to society.
I consider a person successful if they have a life of purpose that doesn’t cause financial burdens on others. That’s a rough benchmark for me. You need to be working towards something.
A thriving family. Being the best nurse on your floor of the hospital. Becoming the starting point guard for your high school basketball team. We should all be striving for something that matters to us. But, if you are an adult, there is a component of monetary responsibility in there too.
So to recap the episode:
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It’s primarily the British’s fault we don’t talk about money
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But now, its actually all of our faults
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Men are more likely to talk about it than women
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And we don’t talk about it to hide potential feelings of failure and inadequacy
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Success is not defined by money.
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How would you define it?
Bitcoin is the most popular buzzword in money right now and almost no one really knows what it is. But the only thing people ask me is whether or not they should invest. So…should you?
To answer this question, we are going to treat this like a video game. You have to pass certain “bosses” or “quests” in order to be able to advance to the next one. If you don’t pass one of these, then you can’t keep going forward in order to achieve the ultimate, imaginary, and highly sought after Stephen Courson stamp of approval on this topic
But before we dig in, I want to tease you with a few bitcoin facts. There are other cryptocurrencies centered around the technology of blockchain and I’ll cover that in a different episode, but for now, here’s some things to know.
Fact #1 – Satoshi Nakamoto is the creator of bitcoin and no one knows who he/she/they are. It could be a person. Could be a group. They think they found who it is…but its unconfirmed to this day.
Fact #2 – There will only ever be 21M bitcoin in existence. They are released on a schedule and it limits the supply which, in theory, will drive up the price over time if demand increases. As of now, there are over 18M of those in circulation.
Fact #3 – May 22nd is known as Bitcoin Pizza Day because on May 22, 2010, a programmer in Florida named Laszlo Hanyecz traded 10,000 bitcoin for two Papa John’s Pizzas. Today, those bitcoin are worth $185,000,000 dollars. I hope the pizzas were delicious.
Boss Question #1 – Do you have 6 months expenses in savings?
If the answer here is no, then you have no business in bitcoin. The end.
You should not invest in ANYTHING except your financial foundation and paying off credit card/high interest rate debt until you have 6 months expenses in savings. The one caveat would be a 401k with employer match.
Boss Question #2 – Do you have any other investments such as a 401k or IRA?
If you wanted to start doing karate, I wouldn’t put you in the circle with a black belt on your first day. Or even your 100th day.
When you start investing, they may be boring, but proven 401ks and IRAs are the way to get moving. The tax incentives make them worth it and almost a can’t lose situation. This is key for your financial foundation. Start here first before you move on young grasshopper.
Boss Question #3 – Have you ever traded individual stocks before?
Bitcoin is very volatile and while it does go up, it really goes down too. The problem with most people trading is the fact that they are emotional about it and don’t hold through the downward spirals. Because of that, they lose.
I recommend trying to trade stocks first. They go up and down but depending on the stock, not nearly as much as cryptocurrencies like bitcoin.
Final Boss Question #4 – Can you lose all of this money and sleep okay at night?
This is it. Bowser in the castle guarding the princess. 4-armed Baraka ready to take you on. Big Boss from Metal Gear. Dr. Neo Cortex from Crash Bandicoot. Okay you get it.
The final question to ask yourself before you start trading bitcoin is actually the same question you ask yourself before you walk into a casino and put all your money down on a hand of blackjack.
Can I afford to lose all of this money and still sleep okay at night if I do? If the answer is yes…a TRUE YES, then get to it and go trade some bitcoin!
The reality is, bitcoin will likely never go to zero. It has an important use case. But there is no guaranty it will continue to go up over time. There are new cryptocurrencies popping up all the time and while bitcoin is still king, they said the same thing about Nokia Phones, Netscape internet browsers and Myspace.
The point is, the first of a technology rarely wins in the long run.
Check out www.everything.money for more insights and get our Lifestyle Strategy Playbook to help you save more and live the life that you want!
On to Black Friday 2020!
1. Start early
So a few years ago, to minimize people literally trampling and fighting each other at the door, the stores starting spacing out Black Friday over a few days over a few weeks. This has reduced the loss of human dignity during the maddening retail buzz this time of year
Despite that, people seem to wait for the actual “Black Friday” which is the day after Thanksgiving. However, based on an analysis from Consumer Reports, its best to start early as some of the best deals can be found then and the items are more likely to be in stock.
Walmart, for example, just announced it will have three "Deals for Days" events staggered throughout November that kick off online and then move to stores. Target's "Deal Days" will Black also span the entire month of November
2. Skip the in-store sales and shop online. There will probably be fewer big in-store promotions this year—no reason to attract crowds—and more emphasis on online shopping, with either free delivery or ship-to-store programs with curbside pickup.
Most big time stores such as Target, Best Buy and Walmart have already announced they will be closed on Thanksgiving. (which is the way it should be)
I honestly hate that people duck out right after Thanksgiving lunch/dinner to go shopping when we should be falling asleep on the couch together, watching football and yelling about politics and family disagreements and dysfunction.
3. Use Websites and Apps.
The Consumer Reports website lists the current prices at various outlets for the products in our ratings. You can also try Google Shopping, PriceGrabber, and Shopzilla. When you’re in a store, smartphone apps such as BuyVia, Shopkick, ShopSavvy, and Shopular let you scan bar codes or QR codes to compare prices, get discounts, and score coupons.
Browser extensions like camelcamelcamel and Honey for Chrome and Firefox can help with this and those are free!
4. Store loyalty programs offer early access and special coupons so use it them. They can have exclusive offers and make it worth your while.
5. Retailers are rewarding those who follow social channels with special offers
Why?because it gives them access to you the rest of the year. Follow them for now and unfollow the rest of the year to avoid overspending.
6. Create a budget and STICK TO IT.
Otherwise you will end up like 39% of Americans who report regret over how much they spent on Black Friday. That’s 1 in 3 people have regrets over Black Friday! What a terrible thing. On top of that, over half of all Black Friday shoppers report stress after making their purchases.
7. TVs are one of the hottest items that people buy this time of year. The average price of a TV drops 18% during Black Friday sales and for larger TVs, it can be up to 35%. The new models and new tech for TVs are rolling out soon and they are clearing up shelf space for the new line ups.
8. Not ALL Black Friday deals are good deals. If you have a list or atleast an idea of what you are looking to buy, then start paying attention to the prices now. That’s because stores know people will buy these items regardless of discount so they take advantage of that. Some stores will even mark the item as on sale for $19.99 when its regular price is $19.99 just to create hype and urgency.
Have you ever made a big financial mistake? What was it? Listen up and I’ll give you mine…
And by the way, I’m not talking about “should have bought bitcoin in 2012” or “wish I put my life savings in Apple stock in 2005”. Give me something legitimate because even if you had bought those back then, I’m willing to bet my amazing dog and partner in crime, Leia, that you would have sold out before it ever reached its all-time highs.
Give me something legitimate. Should’ve bought a property but didn’t? Skipped putting money in your 401k? Got stuck in a MLM scheme? Wasted money on partying too much for years? What was it?
Here’s my top 3 doozies:
· Lost $5000 to a MLM scheme that literally got shut down the week I signed up for it.
· I had an opportunity to buy an apartment I was living in for $30,000 back in 2009 when the housing market crashed but I didn’t for no reason other than ignorance! That same apartment is selling for $140,000 now. My monthly payment would’ve been $142…
· And my favorite, stopped putting money in my employers’ stock purchase plan after a year in. That stock is now up, as of today, 646% since I started at the company and I would have over $1 million if I had just contributed what I was contributing for 3 years and then left it alone.
That enough screw ups for you? I’ve got more but those are my big ones. But here’s the thing. Those all happened to me early. Before I was 24. I learned my lesson and started learning lessons about how money and investing works and since then I’ve made more good decisions than I have bad ones.
This study from TD Ameritrade was very telling.
Third largest regret – Having a low credit score.
Really? This doesn’t seem so bad at face value. But it is a thorn that will keep coming up no matter how much cash you have in your bank account. Here’s a few ways how it’ll hurt you.
· Poor credit can make it harder to get a car and home loans
· It can make it difficult to get a credit card account
· Even if you do get a loan, your interest rate can be 30-100% higher than a good score
· Lower credit scores also usually pay more for auto, renter’s and homeowner insurance
· Certain employers may run a credit check especially if your position requires handling money
Second largest regret – Not having an emergency fund
Now the study didn’t confirm how much the “emergency fund” qualified for but it implied the larger 6 month fund. There’s the $1500 threshold we hold as a general rule here while you’re aggressively paying off debt. But overall, your emergency fund needs to be 6 months as part of your financial foundation.
The largest regret – Not investing in a 401k.
Man this one is tough. Especially when you consider most employers have a matching program anywhere from 3-6% on average. That’s money left on the table every year that only gets bigger and bigger faster and faster with interest over time.
Quote – “In America, anyone can become the President. That’s the problem.” – George Carlin
Truth #1 – Uncertainty sucks. Especially in 2020.
Regardless of who wins, both candidates have been pretty vague about how their plans will work. There’s lots of promises and the outcomes are based on government efficiency which, outside of the military, has been proven over and over again to run as smoothly as a car with square tires on a gravel road.
Truth #2 – Local elections can have a bigger impact on your money than national elections (Marketplace.org)
Local elections have to do with the things you use regularly in your daily life: schools, transit, water supply, waste and sewage, fire, police, etc.
Truth #3 – It doesn’t matter which party is in the White House, the stock market returns are basically the same when measuring 4-year terms after a presidential election. 8.6% for Republicans and 8.8% for Democrats. (Fidelity)
Truth #4 – If you are concerned about your tax bill this year, you can take steps to minimize it. (Fidelity)
- Converting a traditional 401(k) or IRA to a Roth
- Bunch several years of charitable contributions into this year
- Consider accelerating some capital gains
- Exercising stock options
- Revisit your estate plan
Truth #5 – Emotions ALWAYS get in the way of good, sound financial advice. Don’t let that happen to you.
Ever hear “buy low, sell high”? So why do so many people screw this up? Emotions. That’s all. And guess what? People are emotional right now for many reasons. Some good. Some not so good.
Truth #6 – No one is coming to save you. No one. Be your own Superhero.
I don’t care who gets elected, politicians at the federal level don’t care about you, the individual. They care about numbers. They care about re-election. They care about their agenda. Think I’m wrong? Then why didn’t they pass the second stimulus package before the election for the most vulnerable of our nations people.
We’ve been passing out food for months in record numbers in our community. And while the jobless have gone down since the early months of 2020, we are still at double digit unemployment. People NEED this. And don’t blame one party or the other. There’s more special interest stuffing in these bills than there is stuffing in your grandmother’s Thanksgiving turkey.
Here’s a few items I compiled from the LA Times and Politico that were included in the first stimulus for 2020 from both political parties:
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Provision for the FDA to approve innovative sunscreens (to benefit L’Oreal)
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Casinos can tap government loans for assistance (a payback for tax breaks that weren’t extended from Hurricane Katrina in 2005)
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Free video visitation in prison (and money to provide such services)
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$25M for the Kennedy Center for the Performing Arts in Washington
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$50M to Institute of Museum and Library Services (whose sole purpose is to give money to libraries)
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$75M for National Endowment of the Arts and another $75M for the National Endowment of the Humanities
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$10B loan for the broken US Postal Service (and it was argued this won’t be enough to keep it afloat and will need more)
What do these things have to do with the average person in need during the pandemic? NOTHING.
And after all that, what did THE PEOPLE get? $1200. Once.
Quote - A politician thinks of the next election; a statesman thinks of the next generation. —James Freeman Clarke
This was a quiz in Forbes magazine a few years ago. Most people only get 2 correct…
1. As a general rule, how many months' expenses do financial planners recommend that you set aside in an emergency fund?
- a) 1 to 3 months
- b) 3 to 6 months
- c) 6 to 12 months
- d) 12 to 15 months
Correct Answer: The correct answer is C, which is "6 to 12 months."
2. If you have too many credit cards, what should you do?
- a) close as many as possible
- b) request a higher credit limit
- c) be cautious about closing credit cards
- d) close the cards with the lowest balances
Correct Answer: The correct answer is C, which is "be cautious about closing credit cards."
3. If a late payment is sent to a collections agency, how long will it remain on your credit history even if you have paid it off?
- a) less than a year
- b) 1 to 3 years
- c) 4 to 5 years
- d) 6 to 7 years
Correct Answer: The correct answer is D, which is "6 to 7 years."
4. What is the formula for calculating your net worth?
- a) assets minus liabilities
- b) liabilities minus assets
- c) assets plus liabilities
- d) assets divided by liabilities
Correct Answer: The correct answer is A, which is "assets minus liabilities."
5. Imagine that the interest rate on your savings account was 1% per year and inflation was 2% per year. After one year, would your ability to buy something with the money in this account be:
- a) more than today
- b) less than today
- c) exactly the same
- d) don't know
Correct Answer: The correct answer is B, which is "less than today."
6. Which of the following about Federal student loans is NOT true?
- a) For certain federal loan programs, the interest on your loan is paid by the government while you are in school or during grace periods.
- b) Your parents must sign a promissory note before loan funds are distributed.
- c) Entrance loan counseling for all first-time borrowers is required.
Correct Answer: The correct answer is B, which is "your parents must sign a promissory note before loan funds are distributed."
So to compare yourself, here’s the percentage of people that got each question right.
- 14% 2. 29% 3. 62% 4. 47% 5. 16% 6. 34%
How far would you go to NOT have a serious conversation about money?
Quote – “Money isn’t the most important thing in life, but its reasonably close to oxygen on the “gotta have it” scale. – Zig Ziglar
Quote – “I’m scared to death of being poor. It’s like a fat girl who loses 500lbs but is always fat inside. I grew up poor and will always feel poor inside. It’s my pet paranoia.” – Cher
This New York Post poll gave some shocking stats that showed us how damned scared we are to have a serious conversation about money!
Thing 1 – 68% of people said they would rather talk about their weight than money.
Thing 2 – 34% of people said they’d rather sit in traffic for an hour than talk about money mistakes to a financial advisor.
Thing 3 – 27% would rather get stung by a bee than talk about money.
Thing 4 – 32% think it would be better to go to the DMV than work on a detailed financial plan.
Thing 5 – 20% would take an hour in jail than build a five-year financial plan.
Thing 6 – 26% would rather talk politics with someone they disagree with than write a financial plan with a family member.
Thing 7 – 16% would rather sit through an intense sex scene in a movie with their parents than tell them their biggest financial blunder.
When interviewing for other positions inside your existing company, it’s good to also interview externally as well. This way, if you have other job offers, you can use their “potential salary” as leverage in your existing one.
Point #1 – Interviewing over the phone
It’s important to speak clearly over the phone. Without the ability to see you, making sure our speech is understood is very important.
A few studies referenced in this Scientific American article show that dressing up increases abstract thinking and certain types of dress can increase testosterone and build confidence.
Practice “autonomically optimized respiration” two minutes before your call. That’s a fancy way of saying take long breaths slowly. On average that’s around 6-10 breaths a minute (long inhale and exhale = 1 breath).
When finishing the interview, thank them for their time and ask for next steps. Show interest in moving forward.
Always follow up with an email that day thanking them for their time and asking for next steps.
Point #2 – Interviewing over webcam
Everything that applies for interviewing on the phone also applies here
Be in a well-lit room. Your video quality will depend highly on light and this is now your first impression many times. Nothing helps video look better than good lighting! Natural light is always the best!
Make sure you are in a clean space. Clutter will affect your state of mind and can be subconsciously distracting during the interview. Lots of objects in the background can be distracting for the people interviewing you as well.
Be at your computer 10 minutes prior to the call with everything set to go. Join the virtual room 2 minutes early to show punctuality. This way you pop up as soon as they do.
Dress the same as if you were having the interview in person.
Be genuine but remember to be animated. Don’t sit too stiffly. It will make you seem more engaging.
Try shoot your camera angle straight on. Do not settle for a camera angle that is shooting upwards to you. This angle can be unflattering and give a view of nasal passages and make your face appear strangely.
Try not to wear patterns on dresses or ties as they tend not to look as flattering on most webcams. Stick to solid colors.
Test your equipment. Download the application being used for the interview and do a test run with it to ensure it will start as soon as your interview begins. Some applications require downloads so if it’s your first time accessing it, this will cause a few minute delay for you to get in the virtual meeting room and make you late.
Point #3 – Interviewing in-person
Show up to the location 30-45 minutes early if possible. This should prevent traffic, security checks and any other minor potential delays from causing you to be late.
Dress for the position. Many company cultures have relaxed their standards of office dress. Always overdress. Just because people in the office are wearing jeans and t-shirt doesn’t mean you should.
Introduce yourself and shake hands (or in a COVID-world) acknowledge each individual person in the room. For panel interviews, sometimes there can be 4-8 people in the room but only 2-3 will usually ever speak.
If you are interviewing in person, and there is a person that has joined the interview virtually, be sure to address them once or twice during the interview. Ask them directly if they have any questions. This will show you haven’t forgotten them and displays your ability to “work the room”.
Do you know any millionaires? I do. If you hang around millionaires whether they have $1 million or $100 million, most of them think about money the same. It’s a simple thing but its life changing. They don’t think in terms of amounts, but percentages.
Numbers don’t lie, but they can misrepresent what is actually going on. We see this in data that politicians and large media outlets put out. They’ll give a number that sounds like a lot, but it doesn’t sound like much.
A great example is government budget cuts. The government recently said they cut out $20 BILLION DOLLARS in wasteful spending! That’s an incredible amount of money! But the government is already running a deficit (spending more than they make). So did that $20B make a difference?
That’s $20,000,000,000. Ten zeroes. Well the budget this year for the government this year was $4,450,000,000,000. So while $20B sounds like the government is really cutting out big dollars, in the grand scheme of things, if we break it down into what percentage of the budget they cut, it’s only 0.45% of the budget.
That’s the equivalent of you making $50,000, saying you’re going to cut down your spending and cutting out $225. And if you were in politics, you’d pat yourself on the back for this “accomplishment” and make commercials so everyone else knew you did this.
Let’s say every day on your way back home, you swing by your local convenience store for a bag of Skittles and a 20oz Pepsi. Well, at current prices, that will cost you about $4. So let’s say you do that 5x a week. That’s $20 a week. Doesn’t seem like a big deal, right? Now let’s look at it monthly. That’s $80. Seems a like a bit much for Skittles and Pepsi. But now let’s say your take-home-pay on a salary of $60,000/year is $3700/mo
Quote – Vices are often habits rather than passions.
We talk a lot about habits on the show. That’s because habits show what you will be successful at in the near future and left unchanged, the distant future as well! If you have a habit of eating McDonalds everyday and not exercising, you’re going to gain weight. And if you leave that habit unchecked, you’re going to have severe health issues.
Quote – “Winning is a habit. Unfortunately, so is losing. – Vince Lombardi
Every time you make an investment, don’t think about it in terms of amounts. At the beginning of your financial journey, it will feel discouraging.
Never say things like “I only made $50”. Again, that doesn’t tell the full story. Did you make that $50 on a $25 investment? That’s a 200% return!!! That’s amazing! The market average is around 9% year over year. So you are killing it!
The economics of a 4-year degree have changed. So is it worth the high price tag for that diploma?
Point #1 For – One of the biggest selling points is that graduating from a university and becoming an alum makes you part of a network and network = net worth
Harvard just announced it was doing the entire Fall 2020 and Spring 2021 semesters online due to COVID-19. No onsite classes. But what didn’t change was the tuition! Students will stay have to pay the full $50,000/year.
Harvard is telling you what a college degree is worth! The tuition isn’t about classes. It isn’t about quality of professors. It isn’t even about facilities. It’s about brand and network. That’s it.
Point #1 Against – It’s never been easier to grow your network before!
If I don’t spend $50,000/year at Harvard or any other schools, I could probably develop a fantastic network if I took even $5,000 a year out to wine and dine potential employers and still have $45,000 leftover.
So if its all about network, having a degree isn’t necessarily the best way to go about that.
Point #2 For – College prepares you for the real world
You go from living with your parents and having a set schedule in high school to having to manage your time and day. You show up to class and a professor hands you a syllabus and then the rest is up to you to figure out! These are valuable life skills.
Point #2 Against – The real world prepares you for the real world, college is a bubble
Imagine taking $50,000 out to start a business instead. You’ll learn more about that industry and field in a year than you would in four years buried in books and running hypothetical models in your given field.
Point #3 For – People who have 4-year degrees earn more money over time
This is a fact. Have a college degree. Earn more. End of debate.
And while it does depend on what type of degree you get, the average high school degree earns $40,500, associates degree gets you $50,100 and a bachelors gets you $65,400 according to the College Board research.
Point #3 Against – People who have 4-year degrees have more debt and risk
Sure. People with bachelor’s degrees earn more. But they also owe more! Americans owe over $1.64 Trillion in student loan debt. That’s $587 billion more than all US Credit Card debt!
Depending on how you break it down, the AVERAGE student loan debt sits at around $35,000 upon graduation. The average interest rate as of today, with these low interest rates, is 6%.
Point #4 For – Having any four year degree opens doors
Many companies such as Verizon have required college degrees to even process an application for salespeople or store clerks.
Point #4 Against - Companies are doing away with the four year degree requirement
Companies like Google, Hilton and others are leading the charge in not requiring four year degrees anymore. Tech usually leads the way in these trends and other companies are forced to follow to maintain being competitive in acquiring talent. Many companies prefer to train you anyway.
What number means you are rich? What threshold has to be crossed in your opinion for you to call yourself “rich”?
Financial Brokerage firm Charles Schwab has people between ages of 21 and 75 surveyed to find out what it means to be considered wealthy. The magic number across everyone who surveyed said $2.6M. BUT, since COVID-19 hit, people have seemed to readjust their thinking of what’s essential and in a new poll taken after COVID-19, that number has dropped to $2M!
Point #1 – What’s the difference between “rich” and “wealth”?
These are the definitions of “rich” and “wealth” from Merriam-Webster’s dictionary.
Quote – “Not all treasure is silver and gold, mate.” – Captain Jack Sparrow
Rich - Having a great deal of money or assets.
Wealth - Plentiful supplies of a particular resource.
The differences are subtle but massively important. Wealth isn’t defined in terms of currency though it can be used that way. It can be measured in other important resources such as time.
Point #2 – Rich isn’t what you think it is!
Before we ever get into the fundamentals of money, we have to understand what we are chasing after!
I know a lot of unhappy, rich people. Most of them work so much they can’t enjoy life or they’ve built business and positions that can’t operate without them (or at least that’s how they feel).
Quote - “Wealth is not his that has it, but his that enjoys it.” – Benjamin Franklin
Who has more?
The person who makes $100,000/year working 80 hours a week or the person who makes $60,000/year working 36 hours a week?
The person who makes $200,000/year but lives in LA or NYC where higher costs of living and taxes bring their take-home-pay down significantly or the person who lives in Nashville, Gainesville or Huntsville and makes $80,000/year and lower costs of living and taxes give them a higher level take-home-pay equivalent to that NYC $200k.
The person who puts $24,000 in savings every year or the person who earns $2000/mo. from investments?
Money is not created equal.
Data Point – Only 13% of people with a net worth of $1M think they are rich. https://www.statista.com/statistics/1126001/millionaires-self-perception-wealth-us/
Point #3 – The higher your standard, the longer your journey to wealthy.
I’m not a minimalist, but I’ve learned the importance of living with less. It starts with prioritizing what material things actually matter to you. Nice house? Sweet car? Fat bank account? Closet full of the coolest shoes? It’s okay to things. But no one needs all the things.
The lower your bar of what you consider “essential”, the easier it will be for you to reach true wealth. Not only will you have lower monthly expenses to cover, but you will find the most important state of being during your financial journey. Contentment.
“No one wants to be rich. They just want to be richer than the next person.”