Build wealth without hating your life. In this guest appearance, Rick explains why the fastest path to real wealth for Gen Z and Millennials is starting something—a side business from 5 to 9—and using money to buy time and options, not just toys. We cover living within your means without living miserably, beating lifestyle creep, investing in human capital, and using a simple cash-flow system to enjoy life now without wrecking your future.

What you’ll learn

Why “start something” beats waiting for the perfect idea

The 5-to-9 strategy: keep your job, build your business after hours

Freedom vs fortune: use money to buy options and time

The simple budget that actually works: pay yourself first, spend the rest

Lifestyle creep: how it sneaks up and how to stop it

Human capital > index funds in your 20s and 30s

Experiences over optics: return on life, not just return on investment

Credit: This conversation originally aired on Growing Money with Sean Trace. Big thanks to Sean for the invite.