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In this episode, I’m bringing you a MASHUP of voices you need to hear if you want to stop living paycheck to paycheck and finally take control of your financial future. This is straight talk — no fluff, no gimmicks, just real conversations about the habits and decisions that actually lead to wealth. I’m joined by Vivian Tu, Billy Gene, Candy Valentino, and Marc Lore, and every one of them brings something real to the table.

Vivian Tu breaks down her “STRIP” framework — not what you think — which stands for Savings, Total Debt, Retirement, Investing, and Plan. It's practical, it's relatable, and it's something every young person should be taught in school. I jump in to challenge her on the idea of tax deferral and 401(k)s, because too many of you are deferring money into accounts without fully understanding what that means down the road. And I want you to think about whether taxes are really going to be lower when you retire.

Marc Lore takes us behind the scenes on raising capital — not just the logistics, but the mindset. He explains why equity often beats debt and how control doesn't have to mean owning 100%. And Candy? She drops some of the best financial parenting advice I've heard — teaching kids through action, not just words. “Caught, not taught,” as she says. Billy Gene brings the heat, reminding us all that trying to figure it out alone is a massive mistake. And his breakdown of how solving bigger problems leads to bigger income? That’s a formula you can take straight to the bank.

This isn’t about having a million-dollar idea. It’s about building million-dollar habits — starting with what you drive, how you spend, and what you save. I’ve been broke. I’ve had cars repossessed and my power shut off. And I’ve also built real wealth — not just to have nice things, but to have peace, freedom, and control. That’s what I want for you.

Key Takeaways:

- Vivian Tu’s STRIP method for financial health — and why investing isn’t just opening an account.

- Why trying to look rich is the fastest way to stay broke.

- How Marc Lore thinks about equity vs. debt — and what it really means to keep control.

- Billy Gene’s one piece of advice that could save you years of wasted effort.

- How to teach kids financial discipline by modeling it, not preaching it.

- Why the lie that “you’ve got time” is crushing the next generation’s potential.

If you’ve been wondering where to start, or how to restart, this is it. Build the habits now. Save the money. Ask the right questions. Get the help you need. I’ve made the mistakes, so you don’t have to. This episode is your wake-up call — and your invitation to stop living like you're broke and start living like someone building wealth. Let’s go.

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