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Ryan and Tanner dig into the money rules that actually matter — why savings rate beats income, how 150 million dollars still ends in bankruptcy, and what nobody tells you about owning a business.

Topics covered:

- Why savings rate is the number one money metric

- The 150 million dollar bankruptcy lesson

- Building wealth for great-grandkids, not vacations

- The 3AM reality of owning a business

- Why 90 percent of businesses fail

- AI, job security, and what to do about it

- Military vs. Harvard for entrepreneurship

- 30K in America puts you in the global top 1 percent

- The hidden costs of homeownership and being your own boss

Follow Ryan on Instagram @ryanlmillerinvests

New episodes every Monday.