#311 From $120,000 in debt to millionaire by 40 — how did he do it? In this episode, cross-posted from The Personal Finance Podcast, Justin Williams sits down with host Andrew Giancola to share his incredible journey from being $120,000 in debt to achieving financial independence by the age of 40. Justin opens up about the challenges he faced after dropping out of college with one semester left, how he built a successful business, and the pivotal moment when he turned his financial situation around through real estate investing and strategic risk-taking. He also reflects on the lessons he learned from early mistakes, his surprising success with Bitcoin, and why building systems and taking calculated risks were key to his success. This conversation is packed with valuable insights on business, investing, and the mindset shifts necessary to create lasting wealth!

+ Dropping out of college with $120K debt

+ Early business failures and lessons learned

+ Turning things around with real estate investing

+ Scaling a business using systems and leverage

+ Bitcoin success story — buying at $75

+ Balancing risk and reward in investing

+ Achieving financial independence by 40

+ Lessons from business partnerships gone wrong

+ Why mindset matters more than intelligence

+ The importance of financial freedom beyond money

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