🎮 New Game Plus – Designing Your Life After Financial Freedom

You beat the game… now what?

In this episode of Ranks of Wealth, we unlock New Game Plus—the phase of wealth most people never plan for. Just like in great video games, New Game Plus isn’t about starting over from scratch. It’s about replaying the game with clarity, experience, and intention.

Once you’ve built financial stability or reached financial independence, your goals change. What once felt exciting can become stagnant. This episode challenges you to redesign your life on purpose, not based on society’s expectations, but on what truly brings you fulfillment .

You’ll learn how to:

• Redefine what “fun” and success mean as your wealth grows

• Design your ideal lifestyle first—and then price it out realistically

• Decide whether ultra-luxury, simplicity, or something in between is actually worth the effort

• Understand why money is a tool, not the goal—and how time is the real currency of wealth

• Apply long-term thinking using the wisdom of the Chinese Farmer parable to avoid emotional financial decisions

The episode also covers a critical but often ignored end-game topic: estate planning. Financial freedom isn’t complete unless your wealth is protected, directed, and passed on intentionally. We break down wills, trusts, beneficiaries, powers of attorney, and how to think about generational wealth beyond money—including values, knowledge, and financial literacy .

New Game Plus is your invitation to pause, reassess, and choose your next quest—whether that’s a bigger vision, a simpler life, or setting up the next generation for victory.

You didn’t just play the game well.
Now it’s time to decide how you want the next playthrough to look.

Grand Master Rank

Step into the final rank of the financial game—the Grand Master Rank. In this episode, we explore what it truly means to reach the point where your money works harder than you do, where freedom of time becomes your greatest asset, and where wealth stops being a dream and becomes your new reality.

You’ll learn:

• How the Grand Quest works and why your Grand Reservoir is the ultimate key to lifelong financial independence

• The ancient story of the King’s Debt & the Chessboard—a powerful lesson in compounding and how small decisions shape massive outcomes

• Why the Rule of 25, Rule of 70/72, and smart portfolio design unlock the path to retiring early (or working only because you want to)

• How to accelerate wealth growth using volatile income, entrepreneurship, and building your own personal conglomerate

• The truth about business, taxes, government incentives, and how to structure your life like a financially elite player

• What it really takes to buy a business, build a business, or launch a franchise—and how each path helps you gain more customers and grow your defense level

• How passive income actually works through stocks, bonds, REITs, MBS, real estate, and even alternative assets like collectibles, commodities, and crypto

• Why understanding billionaires can 10x your trajectory even if you only replicate 1% of what they do

This chapter is your endgame content—the moment where your financial skills, habits, and strategy combine to create the life you were working toward from Iron Rank onward.

If you're ready to:
✓ reclaim your time
✓ build generational wealth
✓ and choose exactly how you spend every day…

…then welcome to Grand Master.

🎧 Press play and begin your final quest.

🎧 Diamond Rank — Breaking the Rules of Wealth 💎

You’ve made it to the Diamond Rank — the stage where true wealth acceleration begins. In this powerful chapter of Ranks of Wealth: A Practical Path to Financial Freedom for Everyday People, we shatter old money rules and rebuild your financial mindset around your most valuable resource: time.

Learn how to spend money to save time, discover why you don’t really have 24 hours in a day, and explore how to turn your daily schedule into a weapon for freedom. You’ll master advanced wealth tactics like the Fire You Reservoir (three years of financial independence), smart portfolio strategies, and the art of scaling your income by rethinking efficiency, delegation, and focus.

🔥 Key Lessons in Diamond Rank:

• Why “saving money” isn’t always the smartest move

• How to calculate your real 15-hour human day

• Time-spending addictions and how to break them

• Using the 80/20 Rule to reclaim your hours

• When to rent vs. own — and why freedom often means flexibility

• Building your “Fire You Reservoir” for total career independence

This episode marks your transformation from wealth builder to wealth accelerator. The rules change here — and so does your mindset.

🎙️ Listen now and learn how to spend your time like the wealthy do.

Welcome to the Platinum Rank of Ranks of Wealth: A Practical Path to Financial Freedom for Everyday People! 🌟

At this stage of your financial journey, the focus shifts from growth to fortification—protecting your wealth from setbacks and securing the lifestyle you’ve built. In this episode, we’ll explore:

• Why shortcuts fail (with lessons from the Three Little Pigs) and how to build lasting financial security.

• Practical cyber hygiene habits to safeguard your accounts and assets.

• The importance of a Guardian Reservoir—emergency supplies that protect you from life’s “big bad wolves.”

• Expanding your Fire Reservoir to cover six months of living expenses.

• How to separate finances across banks, create a CD ladder, and manage risk.

• A clear guide to tax brackets, retirement accounts, and asset allocation—so you can take command of your retirement portfolio.

• Rethinking your biggest expenses, from vehicles to home ownership, to align with long-term wealth.

By completing Platinum, you’ll strengthen your defenses, secure your assets, and be prepared to ascend toward the Diamond Rank.

Gold Rank – Mastering Financial Efficiency and Unlocking Golden Opportunities

Welcome to the Gold Rank! 🎖️ In this stage of your wealth journey, we shift from building defenses to optimizing financial efficiency. Gold Rank is all about trimming waste, making smarter money choices, and unlocking powerful tools that grow your wealth safely and steadily.

In this episode, we cover:

• How to tackle zero-interest and medium-interest debt before it derails your progress

• Using bulk buying, quality over quantity, and home efficiency upgrades to save big

• Tax-smart strategies with HSAs, FSAs, and education accounts

• Leveraging Employer Stock Purchase Plans (ESPPs) and credit cards as financial enablers

• Building your Fire Reservoir to a full six months of expenses for true security

With main quests focused on eliminating costly debt and side quests designed to boost long-term savings, Gold Rank is where financial efficiency becomes your weapon.

If you’ve made it this far, you’re no longer just surviving—you’re optimizing. Complete the quests, claim your Gold Emblem, and prepare to advance toward Platinum Rank.

🎧 Listen now to learn how to make your money work smarter, not harder.

Silver Rank – Wealth Building, Debt Payoff, and Smart Money Moves

Welcome to Silver Rank, where financial strategy meets real-world action. In this episode of Ranks of Wealth, we move from planning to execution—helping you put your money to work and build momentum toward financial freedom.

You’ll learn how to:

• Calculate your Attack Level (how aggressively you're building wealth)

• Measure your Defense Level (how protected you are from life’s expenses)

• Use your job like a business—and your boss like a customer—to increase income

• Eliminate high-interest debt and avoid common payoff mistakes

• Maximize your 401(k) or 403(b) with employer matching

• Boost your income with side hustles, second jobs, or upskilling

• Use real-life tactics to grow net worth, including balance transfers and liquidity shifts

Featuring the story of Lazy Larry and Hardworking Howard, this episode dives into what it really means to work smarter—not harder—in the age of AI, automation, and rising costs.

If you’re ready to grow your wealth, pay off debt, and take your first real steps toward financial independence, Silver Rank is your next level.

🎖 Bronze Rank: Grow Your Wealth with the Money Tree

Welcome to the Bronze Rank! You’ve laid the psychological foundation in Iron—now it’s time to build. In this episode, we introduce the “Money Tree,” a dynamic budgeting system designed to help you stay aligned with your financial priorities while still enjoying life. You’ll learn how to optimize your paycheck withholdings, avoid giving the government a free loan, and finally break free from living paycheck to paycheck. We’ll also explore setting up your Income Reservoir and Fire Reservoir to protect your tree from life’s financial wildfires.

Whether you love spreadsheets or budgeting apps, this episode is your first real step toward financial growth.

🎧 Main Quest: Build your Money Tree and Fire Reservoir🧠 Side Quests: Adjust your withholdings, rein in spending, and earn passive income with a HYSA

Listen now—and start leveling up your finances, one branch at a time.

🎖 Bronze Rank: Grow Your Wealth with the Money Tree

Welcome to the Bronze Rank! You’ve laid the psychological foundation in Iron—now it’s time to build. In this episode, we introduce the “Money Tree,” a dynamic budgeting system designed to help you stay aligned with your financial priorities while still enjoying life. You’ll learn how to optimize your paycheck withholdings, avoid giving the government a free loan, and finally break free from living paycheck to paycheck. We’ll also explore setting up your Income Reservoir and Fire Reservoir to protect your tree from life’s financial wildfires.

Whether you love spreadsheets or budgeting apps, this episode is your first real step toward financial growth.

🎧 Main Quest: Build your Money Tree and Fire Reservoir
🧠 Side Quests: Adjust your withholdings, rein in spending, and earn passive income with a HYSA

Listen now—and start leveling up your finances, one branch at a time.

🎙️ Episode 2 – Iron Rank: Laying the Foundation for Financial Freedom
Welcome to the Iron Rank — where your wealth journey officially begins. This episode is all about building the mindset, vocabulary, and mental resilience you need before stacking your first financial brick. Learn why starting when you're busy is the best time to prove it's a priority, how to shift from "I can't" to "How can I?", and why money isn't the goal—it's the tool.

We’ll explore timeless wisdom like the Businessman & the Fisherman story, unpack the real definition of wealth (hint: it’s not just money), and introduce practical quests like tracking your net worth, redefining your spending, and spotting limiting beliefs. If you've ever felt stuck, confused, or overwhelmed by money talk — this is your training level.

🏅 Complete the Iron Rank quests and get ready to level up.

🎮 Section 0 – Loading | Ranks of Wealth Audiobook

Welcome to Ranks of Wealth, a Practical Path to Financial Freedom for Everyday People. In this introductory episode, we lay the foundation for the journey ahead—who this book is for (and not for), how the rank system works, and why the pursuit of financial growth should feel more like leveling up in your favorite game than suffering through a spreadsheet.

You'll also hear the author’s personal financial origin story—complete with mall jeans, secondhand shirts, and the early lessons that shaped a path to financial independence. Whether you're just starting your wealth journey or looking for a new framework to build on, this episode is your first checkpoint.

🎧 Hit play, and let’s start your financial quest.
🏠 Learn more at RanksOfWealth.com