“Time is the only asset you can never get more of. If your money depends on your time, you’re not building wealth, you’re renting your life.”

In this episode, the host sits down with Clay Weger, CEO and co-founder of PaymXnts, for a conversation that questions one of the biggest lies many of us were taught: that time equals money. Clay introduces a different concept he calls passive money, which is income produced by systems and labor that continue working even when you are not.

He shares his journey from investing over a million dollars and years of effort into traditional businesses to discovering how to build mechanisms that gave him control of his time. Clay explains the difference between passive income and passive money, why so many people remain stuck trading hours for dollars, and the defining formula for freedom: your passive money must exceed your monthly expenses.

The conversation explores the payment processing industry and how his referral model allows everyday people to earn recurring revenue by connecting business owners to better systems. He also speaks openly about spiritual setbacks, mentorship, and how shifting his perspective changed the way he sees trials, success, and impact.

This episode offers a fresh lens on wealth, freedom, and what it truly means to stop living on payroll and start building systems that work for you.

Topics Covered:

00:00 – Introducing our guest, Clay Weger

00:29 – The mission to set 10,000 people financially free

01:55 – The three types of millionaires

03:53 – The two essentials for passive money: mechanism and labor

05:05 – How the PaymXnts referral agent model works

08:56 – Passive money vs passive income

09:56 – The Freedom Equation

14:14 – Building systems takes time

16:53 – The power of leverage and doing less

18:34 – Escaping the cash flow quadrant

20:04 – The $350 entry and building the engine 

21:27 – Why helping others achieve freedom matters

23:54 – Funding freedom without large capital 

26:18 – Mentorship, faith, and mindset reset 

29:01 – Trials and tribulations as a guidepost

33:23 – Retirement equals control of time 

35:28 – Look upward first 

36:11 – Inaction costs more than mistakes 

39:08 – Never sell passive income without replacement 

40:41 – How to get started with PaymXnts

Connect with Clay Weger:

• Web: https://www.paymxnts.com/
• YT: https://www.youtube.com/@PaymXnts
• IG: https://www.instagram.com/PaymXnts1?

Connect with Erica:

• Instagram: https://www.instagram.com/ericalemarr 
• Email: [email protected]