In this episode of What the Wealthy Do, we break down one of the most important money shifts you’ll ever make — the difference between being a consumer and being an investor.

With Black Friday and holiday sales flooding our feeds, this is the exact moment when most people overspend, underinvest, and derail their long-term wealth goals.

Stephanie Dorsey, CEO & Co-Founder of Margins Capital, shares a practical, step-by-step framework the wealthy use to make spending decisions — not based on emotions, trends, or marketing pressure — but based on return on money, return on time, and return on joy.

Inside this episode:

🔥 How to know if you’re acting as a consumer or an investor

🔥 “Time, Money, Joy” — a new way to evaluate every purchase

🔥 Practical examples: DoorDash, holiday travel, shopping for kids, homecoming, Instacart & more

Whether you're building wealth, paying down debt, or redefining your lifestyle, this episode is your reminder that every dollar you spend either builds your future — or someone else’s.

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Let’s Move like the Wealthy This Holiday Season.