A podcast listener emailed me asking for some advice.  In short, he got a later start on his financial journey.  35 years old and $0 net worth.  The good news is, he is ready to make changes and work.  He is hungry...and that is all you need to differentiate yourself from everyone else.  On this episode, I go through his numbers  and give him some actionable steps to take to start developing his own money wave.