Welcome to another episode of the Building Your Money Machine Show! Have you ever felt like your bank account is vanishing into thin air or like you’re working so hard just to stand still, financially? If so, trust me—you are not alone, and more importantly, you are not broken. Today, I’m here to flip the light switch on your financial journey and reveal exactly where you stand on the path to financial freedom.

In this episode, I break down what I call The 4 Financial Freedom Zones—from the point where it feels like you’re drowning in bills all the way to the affluence zone, where your money works harder for you than you ever worked for it. I want you to know these “zones” aren’t about judgment—they’re about awareness. Wherever you are on this map, I’m going to give you actionable steps so you know how to move forward, escape the traps, and start making real progress.

IN TODAY’S EPISODE, I COVER:

• The 4 Financial Freedom Zones: Drowning, Breakthrough, Independence, and Affluence
• Why most people feel stuck (hint: it’s about awareness, not ability)
• How to escape the “drowning point” with brutal financial honesty and your first comfort fund
• How to leave a legacy that’s about more than money—transferring values, beliefs, and wisdom to the next generation
• Practical steps you can take right now to discover your zone, make progress, and claim your financial freedom

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• If You Knew This About Banks, You Would Think Twice Before Giving Them Your Money
• Accountant Explains: The 4 Money Personalities - Which one are you?
• 6 Things I'd Tell My 20-Year-Old Self (as a 63-Year-Old Multimillionaire)

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• Master Financial Literacy in 32 mins: Everything They Didn't Teach You in School: https://youtu.be/RquD90vfEvs
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• If You Knew This About Banks, You Would Think Twice Before Giving Them Your Money: https://youtu.be/S3LY1rBDIe4
• Accountant Explains: The 4 Money Personalities - Which one are you?: https://youtu.be/H6-F2EEn-Ps

ORDER MY NEW USA TODAY BESTSELLING BOOK:

Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!

The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that’s no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.

Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.

When you do you’ll also get over $1100 in wealth resources & bonuses for FREE! 

TAKE THE FINANCIAL FREEDOM QUIZ:

Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Welcome to another powerful episode of the Building Your Money Machine Show! Today, we're cutting through the jargon and the shame to talk straight about financial literacy—everything they didn’t teach you in school but absolutely should have. If you've ever sat in a classroom wondering when you'd use all that stuff in real life, I’ve been there too. The truth is, nobody handed us a rulebook for money—they just tossed us in the deep end and figured we'd swim.

I'm bringing you practical, action-oriented steps to master your money—no PhD or complicated spreadsheets required. We're breaking down the real lessons, the habits, the mindset shifts, and yes, a few dad jokes along the way. Let’s demystify credit scores, debt, savings, investing, and protecting what you’ve built, so you can take control of your financial future.

Remember, financial freedom isn’t about being a math genius; it’s about choices and the freedom those choices bring.

IN TODAY’S EPISODE, I COVER:

• Why financial literacy is your ultimate superpower—and the one school should have started with
• The truth about money mindset: how your early money beliefs shape your habits and outcomes, and how to start rewriting those stories now
• The step-by-step pillars to building your money machine
• A 30-Day Money Makeover Plan
• The critical importance of habits, behaviors, and making tiny but consistent changes for big, lifelong results

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• The One Choice That Will Determine Your Financial Future
• If You Knew This About Banks, You Would Think Twice Before Giving Them Your Money
• Accountant Explains: The 4 Money Personalities - Which one are you?
• 6 Things I'd Tell My 20-Year-Old Self (as a 63-Year-Old Multimillionaire)
• Financial Literacy is The Lowest it's Ever Been This is Sad

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• The One Choice That Will Determine Your Financial Future: https://youtu.be/RquD90vfEvs
• If You Knew This About Banks, You Would Think Twice Before Giving Them Your Money: https://youtu.be/S3LY1rBDIe4
• Accountant Explains: The 4 Money Personalities - Which one are you?: https://youtu.be/H6-F2EEn-Ps
• 6 Things I'd Tell My 20-Year-Old Self (as a 63-Year-Old Multimillionaire): https://youtu.be/aqTn3Us9q5o

ORDER MY NEW USA TODAY BESTSELLING BOOK:

Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!

The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that’s no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.

Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.

When you do you’ll also get over $1100 in wealth resources & bonuses for FREE! 

TAKE THE FINANCIAL FREEDOM QUIZ:

Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Welcome to another transformational episode of the Building Your Money Machine Show! Today, I’m unpacking one of the biggest secrets standing between you and real financial freedom—and no, it’s not a “hack” or some secret stock tip. It’s about the most foundational, game-changing choice you will ever make on your journey to building wealth: your money identity.

Ever wonder why some people seem to build wealth effortlessly while others struggle, no matter how hard they hustle? I’ve been there too—wondering if I missed the financial success memo, questioning what I was missing. Trust me, you’re not broken and you’re not alone.

I draw from personal experience, including what I’ve learned rebuilding after setbacks, and I share my five-step “5 R’s” framework to transform your money identity for good. This is not about how much you earn, how smart you are with spreadsheets, or even whether you bought that magic stock at the right time. It’s about who you decide to become on your financial journey.

IN TODAY’S EPISODE, I COVER:

• Why your financial behavior—not your income—determines your ability to build wealth
• What “money identity” is and why it shapes every decision you make with your resources
• How most of our financial beliefs are “caught, not taught”
• The 5 R’s Framework
• Personal stories of rebuilding from loss and the power of intentionally choosing a new identity

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• Accountant Explains: The 4 Money Personalities - Which one are you?
• 6 Things I'd Tell My 20-Year-Old Self (as a 63-Year-Old Multimillionaire)
• Financial Literacy is The Lowest it's Ever Been This is Sad
• 10 Habits Of The "Fake Rich" You Need To Avoid

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• If You Knew This About Banks, You Would Think Twice Before Giving Them Your Money: https://youtu.be/S3LY1rBDIe4
• Accountant Explains: The 4 Money Personalities - Which one are you?: https://youtu.be/H6-F2EEn-Ps
• 6 Things I'd Tell My 20-Year-Old Self (as a 63-Year-Old Multimillionaire): https://youtu.be/aqTn3Us9q5o
• Financial Literacy is The Lowest it's Ever Been This is Sad: https://youtu.be/BIHtHihEOlY

ORDER MY NEW USA TODAY BESTSELLING BOOK:

Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!

The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that’s no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.

Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.

When you do you’ll also get over $1100 in wealth resources & bonuses for FREE! 

TAKE THE FINANCIAL FREEDOM QUIZ:

Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Welcome to a revealing episode of the Building Your Money Machine Show! Today, I’m pulling back the curtain on what banks are really doing with your money—and why you might want to think twice before trusting them with your hard-earned cash. Ever wondered why your savings account seems to earn pocket change while your bank flaunts shiny new office towers and charges you fees left and right? It’s not by accident, and in this episode, I break down exactly how the system is stacked in the bank’s favor, not yours.

We’ll explore the hidden realities of fractional reserve banking—where your deposited dollars are leveraged by the banks to make massive profits—and dissect how things like credit card debt, endless fees, and questionable banking practices eat away at your wealth. I debunk the illusion of safety when it comes to things like FDIC insurance and fraud protection.

But I won’t just leave you with concerns—I’ll equip you with tactical moves to ensure your money is safe, controlled, and actually working for you. You’ll leave this episode empowered to flip the script and start building a money machine that serves YOUR financial future.

IN TODAY’S EPISODE, I DISCUSS:

• How banks really make money using the fractional reserve system
• How credit card debt and minimum payments are building bank empires
• The hidden cost of monthly, ATM, and overdraft fees
• Why the bank may not always have your back
• Why I use credit unions and how you can benefit too

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• Financial Literacy is The Lowest it's Ever Been This is Sad
• 10 Habits Of The "Fake Rich" You Need To Avoid
• Life Lessons I Wish I Knew Earlier - Here's what matters most

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• Accountant Explains: The 4 Money Personalities - Which one are you?: https://youtu.be/H6-F2EEn-Ps
• 6 Things I'd Tell My 20-Year-Old Self (as a 63-Year-Old Multimillionaire): https://youtu.be/aqTn3Us9q5o
• Financial Literacy is The Lowest it's Ever Been This is Sad: https://youtu.be/BIHtHihEOlY
• 10 Habits Of The "Fake Rich" You Need To Avoid: https://youtu.be/Ijofyr-YtXY

ORDER MY NEW USA TODAY BESTSELLING BOOK:

Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!

The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that’s no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.

Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.

When you do you’ll also get over $1100 in wealth resources & bonuses for FREE! 

TAKE THE FINANCIAL FREEDOM QUIZ:

Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Welcome back to another episode of the Building Your Money Machine Show! Today, we’re getting real about something that impacts absolutely every one of us: our unique money personalities. Ever wonder why two people can make the same amount of money, but one ends up with a healthy investment portfolio and the other seems to have nothing but credit card statements and a killer shoe collection? Or maybe you and your partner treat spending like you’re playing on rival teams?

Trust me, you’re not alone—and there’s a reason for all of it.

In this episode, I break down the four money personalities that I’ve seen again and again throughout my 30+ years as a CPA, advisor, and author of Building Your Money Machine. I go deeper than ever before into the habits, mindsets, and muscle memory that drive our choices with money. This isn’t just about math—it’s about why we do what we do.

You’ll find out which money personality is your go-to, how these personalities interact (sometimes explosively!) in relationships, and strategies to play to your strengths—while building a system that actually works for you, not against you.

IN TODAY’S EPISODE, I DISCUSS:

• The four core money personalities: Saver, Spender, Investor, and Philanthropist
• The impact of early patterns and upbringing on your money mindset
• Why habits and default behaviors around money are so hard to change
• How your money type can shift over different life phases
• What happens when different personalities collide in relationships

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• 10 Habits Of The "Fake Rich" You Need To Avoid
• Life Lessons I Wish I Knew Earlier - Here's what matters most
• 14 Hidden Expenses That Silently Destroy Your Wealth

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• 6 Things I'd Tell My 20-Year-Old Self (as a 63-Year-Old Multimillionaire): https://youtu.be/aqTn3Us9q5o
• Financial Literacy is The Lowest it's Ever Been This is Sad: https://youtu.be/BIHtHihEOlY
• 10 Habits Of The "Fake Rich" You Need To Avoid: https://youtu.be/Ijofyr-YtXY
• Life Lessons I Wish I Knew Earlier - Here's what matters most: https://youtu.be/CChh8Zd36UI

ORDER MY NEW USA TODAY BESTSELLING BOOK:

Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!

The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that’s no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.

Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.

When you do you’ll also get over $1100 in wealth resources & bonuses for FREE! 

TAKE THE FINANCIAL FREEDOM QUIZ:

Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Welcome to another episode of the Building Your Money Machine Show! Today, I’m taking you on a personal journey back in time — back to when I was 20 years old. If you’ve ever wished you could go back and give your younger self a roadmap, this episode is for you. As a 63-year-old multimillionaire who’s faced his share of ups, downs, setbacks, and hard-won victories, I’m sharing the six biggest lessons I wish I’d known at 20 — wisdom to help you build both your wealth and the life you truly want.

We talk about why mastering your money mindset trumps just “working hard,” how building your money machine early pays off for decades, and why failure is not your enemy but your best teacher. I open up about the painful moments that redefined what mattered most to me — from business mistakes to cancer scares and the moment my son’s drawing broke open a new chapter in my life.

If you’re tired of chasing someone else’s version of success, or you’re grinding away but feel like something’s missing, this episode will help you reset your compass. I want you to have the insights it took me decades to learn — so you can leapfrog some of the struggles and start thriving now.

IN TODAY’S EPISODE, I DISCUSS:

• Mastering your money mindset and why money is far more about behavior 
• How to build your “money machine” early — and why investing beats just earning and saving
• The critical lesson that people always matter more than profits — and how wealth comes from relationships
• Why your health is your real wealth and how to prioritize wellness

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• Financial Literacy is The Lowest it's Ever Been This is Sad
• 10 Habits Of The "Fake Rich" You Need To Avoid
• Life Lessons I Wish I Knew Earlier - Here's what matters most
• 14 Hidden Expenses That Silently Destroy Your Wealth
• 40 Years as an Accountant - This is What Rich People Regret Most

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• Financial Literacy is The Lowest it's Ever Been This is Sad: https://youtu.be/BIHtHihEOlY
• 10 Habits Of The "Fake Rich" You Need To Avoid: https://youtu.be/Ijofyr-YtXY
• Life Lessons I Wish I Knew Earlier - Here's what matters most: https://youtu.be/CChh8Zd36UI
• 14 Hidden Expenses That Silently Destroy Your Wealth: https://youtu.be/z13QSTIdaW8

ORDER MY NEW USA TODAY BESTSELLING BOOK:

Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!

The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that’s no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.

Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.

When you do you’ll also get over $1100 in wealth resources & bonuses for FREE! 

TAKE THE FINANCIAL FREEDOM QUIZ:

Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Welcome back to another revealing episode of the Building Your Money Machine Show! Today, I’m diving into a topic that’s honestly got me more fired up than ever before: the sad truth that financial literacy is the lowest it’s ever been—even with all the tech, all the YouTube gurus, and TikTok “experts” you can scroll through in a day.

Let’s face it—something’s gone off the rails. People still think credit cards are free money. Buying luxury cars with no assets to back them. Racking up overdraft fees, draining 401(k)s, signing onto student loans they don't understand, and hoping for forgiveness that may never come. This episode is about breaking down some of the most cringeworthy and all-too-common financial missteps I’ve seen floating around online (and that my team has graciously pulled together for us to react to).

I’m here to break down what should have been done, what needs to change, and how you (or someone you care about) can avoid these money traps. You’ll get real talk, straightforward strategies, and plenty of tough love, so you can sidestep these mistakes—and build your own money machine.

IN TODAY’S EPISODE, I DISCUSS:

• The confusion around how banking and fractional reserve systems really work
• How overdraft fees are like stepping on Legos in the dark
• The real cost of using debt to fund your lifestyle
• The hard truth about student loans
• Why “living in the moment” without a plan leads to future stress
• Protecting relationships by setting healthy money boundaries with friends and family

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• Life Lessons I Wish I Knew Earlier - Here's what matters most
• 14 Hidden Expenses That Silently Destroy Your Wealth
• 40 Years as an Accountant - This is What Rich People Regret Most
• Why You Need To Start Automating Wealth Creation

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• 10 Habits Of The "Fake Rich" You Need To Avoid: https://youtu.be/Ijofyr-YtXY
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• 14 Hidden Expenses That Silently Destroy Your Wealth: https://youtu.be/z13QSTIdaW8
• 40 Years as an Accountant - This is What Rich People Regret Most: https://youtu.be/x8_f0g_EjVE

ORDER MY NEW USA TODAY BESTSELLING BOOK:

Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!

The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that’s no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.

Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.

When you do you’ll also get over $1100 in wealth resources & bonuses for FREE! 

TAKE THE FINANCIAL FREEDOM QUIZ:

Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Welcome back to another episode of the Building Your Money Machine Show! Today, I’m pulling back the curtain on a topic that’s everywhere—those “rich” folks we see parading luxury cars, designer clothes, and lavish vacations on social media. But here’s the ugly truth: for a lot of them, it’s not real financial freedom they’re selling—it’s financial pressure.

I’ll be breaking down the 10 key habits of the “fake rich”—habits that might look impressive from the outside, but are quietly wrecking people’s financial futures. More importantly, I’ll show you how to steer clear of these traps so you can build wealth that actually lasts and brings you peace of mind.

We’re all familiar with the Instagram highlight reels—the Lambos, the boats, the shopping sprees. But what’s really happening behind those flashy posts? Today, I’ll walk you through the red flags that expose fake wealth, how comparison can destroy your confidence, and the disciplined plan you need to stay focused on your own progress.

IN TODAY’S EPISODE, I DISCUSS:

• How making more money can actually make you more stressed if you don’t have the discipline.
• The hidden costs of keeping up with the latest gadgets, sneakers, or crypto coins.
• Avoiding budgets/plans – Why tracking your spending isn’t financial jail—it’s your permission slip to spend on what really matters.
• The danger of keeping finances a secret (even from your spouse), and why open dialogue is key to wealth.
• Why real wealth means you can handle the unexpected, not just have the appearance of success.

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• Life Lessons I Wish I Knew Earlier - Here's what matters most
• 14 Hidden Expenses That Silently Destroy Your Wealth
• 40 Years as an Accountant - This is What Rich People Regret Most
• Why You Need To Start Automating Wealth Creation
• 10 Things Worth Buying EVEN If You're Short On Cash

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• Life Lessons I Wish I Knew Earlier - Here's what matters most: https://youtu.be/CChh8Zd36UI
• 14 Hidden Expenses That Silently Destroy Your Wealth: https://youtu.be/z13QSTIdaW8
• 40 Years as an Accountant - This is What Rich People Regret Most: https://youtu.be/x8_f0g_EjVE
• Why You Need To Start Automating Wealth Creation: https://youtu.be/RV_kW-ARYok

ORDER MY NEW USA TODAY BESTSELLING BOOK:

Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!

The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that’s no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.

Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.

When you do you’ll also get over $1100 in wealth resources & bonuses for FREE! 

TAKE THE FINANCIAL FREEDOM QUIZ:

Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Welcome to a very special episode of the Building Your Money Machine Show. Today, I’m taking you behind the spreadsheets and into the life lessons I wish I’d known earlier—a candid conversation about what truly matters most on this journey to financial freedom and living fully.

I get personal in this episode. From surviving cancer—twice—to rebuilding my business after devastating loss, and raising my son as a single, full-time dad, life has thrown me both blessings and curveballs. Each of these moments taught me things about money, meaning, and legacy that I simply couldn’t have learned from a textbook or a balance sheet.

If you’re ready for a refreshingly honest look at wealth—not just what’s in your bank account, but what fills your life with purpose and richness—you’re in the right place. Money is never just the goal; it’s the paintbrush we use to create the masterpiece of our life. So let’s dig in together.

IN TODAY’S EPISODE, I DISCUSS:

• Why money isn’t everything, but it touches everything—and the real magic happens when it fuels your values, joy, and meaning
• How you can rebuild from nothing, even after major setbacks
• Why health is the real wealth, and how my cancer diagnosis completely reframed my priorities
• The truth about relationships being the richest currency we have—how presence matters far more than profits
• The power of living life fully expressed, ditching the masks, and stepping into who you truly are
• Why legacy isn’t about the stuff you leave behind, but about the love, values, and moments you create every day

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• 14 Hidden Expenses That Silently Destroy Your Wealth
• 40 Years as an Accountant - This is What Rich People Regret Most
• Why You Need To Start Automating Wealth Creation
• 10 Things Worth Buying EVEN If You're Short On Cash
• 8 Signs You're Not Ready For Retirement

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• 14 Hidden Expenses That Silently Destroy Your Wealth: https://youtu.be/z13QSTIdaW8
• 40 Years as an Accountant - This is What Rich People Regret Most: https://youtu.be/x8_f0g_EjVE
• Why You Need To Start Automating Wealth Creation: https://youtu.be/RV_kW-ARYok
• 10 Things Worth Buying EVEN If You're Short On Cash: https://youtu.be/wPy-xppyPkU

ORDER MY NEW USA TODAY BESTSELLING BOOK:

Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!

The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that’s no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.

Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.

When you do you’ll also get over $1100 in wealth resources & bonuses for FREE! 

TAKE THE FINANCIAL FREEDOM QUIZ:

Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Welcome to another powerful episode of the Building Your Money Machine Show! Today, I’m shining a light on a topic that’s often overlooked but crucial for anyone serious about building real wealth: hidden expenses that sneakily drain your financial future.

I’m breaking down the 14 silent money leaks that could be quietly destroying your wealth right under your nose. These aren’t just theoretical concepts. Many of these come straight from my own experience and from the real-life journeys of my clients.

We’ll dig into three main categories: investing leaks, protection leaks, and lifestyle leaks. I’ll walk you through how these leaks happen, and—most importantly—how you can plug them to accelerate your path to financial freedom.

On the lifestyle side, I’ll reveal the dangers of lifestyle creep, high-interest debt, car depreciation, emotional spending, last-minute purchases, and more. For your safety net, I’ll share why you must be proactive about negotiating big expenses, maximizing your employee benefits, making smart insurance decisions, and taking your health seriously.

IN TODAY’S EPISODE, I DISCUSS:

• The 14 biggest wealth leaks—broken down
• The silent danger of inflation and why your savings alone may not be enough
• How investment fees and opportunity costs of delayed investing add up to huge losses over time
• The power of tax-advantaged accounts to keep more in your pocket and less with the government
• Lifestyle creep: why increased earnings shouldn’t lead to unchecked spending
• The wealth-eroding trap of credit card interest and car depreciation

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• 10 Things Worth Buying EVEN If You're Short On Cash: https://youtu.be/wPy-xppyPkU
• 8 Signs You're Not Ready For Retirement: https://youtu.be/aUhBrFx-NxY

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