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The Wealth Advice Most People Don't Learn Until It's Too Late

Mark Moss31:52

Transcription

You're making good money, but you're not building wealth. So, in this video, I want to show you the exact formula I use to build more wealth, five times more wealth in 10 years than I did the previous two decades combined.

But here's where this is really becomes urgent for you. You see, every year that you run the wrong formula, the gap continues to get bigger and bigger. Not by a little bit, I'm talking about exponentially. So, I want to show you the math, uh, the math that's going to probably make you sick.

And here's what we're going to cover in this video, right? The single biggest wealth killer that nobody really talks about. I want to show you why the formula that your financial adviser taught you is mathematically broken. I want to show you the five-step system that I use to actually build wealth and you can copy as well. And then I want to give you a diagnostic that you can run on your own on your own numbers before the video is over so you can start to figure out where you could end up. You ready? Let's go.

Okay. Okay, so before I get into the two formats, the five steps you can do, and give you the diagnostics so you can see how much wealth you could build in a in a short period of time doing this, I want to just first start by talking about two different ways that you can play the game of building wealth. Two different mindsets. And I know you're going to probably want to skip this part because you don't want to hear mindset, but this is the most important part. There's a reason why the top 10% own most of the assets and the 90% don't. And it's because the way they approach the game, the mindset they have the game, the strategy of the game is just different. And so the 90% just don't know this obviously, which is why they don't do it. And you might fall into that camp. So let me let me explain what I'm talking about.

You see, most people um focus on building wealth through what I call a P&L mindset, a profit and loss mindset. So whether you are a W2 worker and you think about your household budget or you also own a business, you think about it the same way. So I have my income, right? Whatever income I have, so my W2 job, my business, whatever. So this is the amount of money I have coming in minus my expenses equals my profit, right? So it's a P&L, my my profit and loss. So whether your business is looking at this or like I said, you're a W2 worker, you do it the same way. And and when you think this way, what happens is the goal that we all have is to try to get more income, right? We want to increase the income. So, if it's personally like I need to get a new degree so I can get a raise in my job. I could climb the corporate ladder. Uh maybe you want to work overtime or you want to start a side hustle or your business. I need to start a new business line or start a new business or whatever. But all of that is focused on building more income.

Some people, certainly not me, and I'm going to tell you why this is wrong. Some people want to tell you that you should also think about reducing your expenses. And of course you should, but not to the point of where you have to give up your coffee every morning. Like don't do that. uh life is hard enough as it is. Don't give up your morning coffee. But you can't save your way to wealth. You can't increase your income to wealth. So what you're trying to do is take a percentage of this profit. Most people are lucky to get 5% maybe 10% of that and put it into investments. And then you hope that this 5 or 10% can grow enough to have enough money when you retire. Okay? So this is what most people are doing. You're doing this. Every business is doing this. You should be looking at your P&L every month at a minimum. Okay?

But there's a different game. The game that the 10% that own most of the assets play is completely different. Instead of thinking about income, what they do is they say, "What are my assets?" Specifically, what are my assets? More specifically, what is my equity within my assets? And then instead of trying to grow, you don't even see income's not even on here. They're not even looking at income. They're focused on growing their equity. It's a different game. It's what I call a treasury mindset. It's how you can become your own bank. It's how you can build your own personal treasury. And it's how you can explode your wealth faster than you've ever imagined, just like the top 10% that own everything do, as opposed to making more income. Because you can't. At some point, you can't work any more hours. At some point, your business plateaus. At some point, you're maxed out on the income side. And you have to focus on building equity.

Now, for the math as to why there's a difference of these two games, and this one doesn't work for you, and this one does. Let me break this down. So, let's say that I'm making $300,000 a year, right? So, you've done pretty good. Like, you've got a couple degrees, you've climbed the corporate ladder, uh you're making 300 grand a year. Let me just say this is not about making money. This is about making your money make money. So, if you're not making at least 100 $150,000, focus on that first. Don't don't focus on this. But, let's say that you're making 300 grand a year. According to the Bureau of Labor Statistics, the BLS, your pay is going up by about 3.3% per year. All right, that's how much you're making. So that means you're going to make probably an extra 10 grand per year going this way. This is how much your income is going to go up. Okay?

But assets go up much faster. Assets can outpace my income by 10 to one. If I have, let's say, 1 million in assets and they go up times 10%. How much have I made? I've made a h 100red grand. So over here, my income goes up by 3.3% or 10 grand. But over here, my assets can go up by 100 grand. But it gets even better than that because what happens with assets is they compound, meaning they grow on top of the growth. So what happens is it's 100 grand in year 1, but it's 121 in year two, and it's 146 in year three. Look how much faster this is growing than your income just going up linear versus your assets going up exponentially. Okay.

Now, before I get into the next step of how we can build generational wealth, massive wealth, wealth faster than you've ever imagined and bigger and longer than you've ever imagined, uh before I give you the the actual five steps, let me show you a formula that you need to think about because I know what a lot of you are thinking already right now is like, hey, I don't make 300 grand. Uh I can't save, you know, 10%. Um I only make 100 grand. I make 150 grand. Or maybe you make 5 million, whatever. But either way, life is hard. It gets expensive. Raising kids, living in New York or California, driving new cars, etc. So, let me show you just a secret formula first to address this. Okay, this is the first thing that you should be thinking about right here.

Back to this uh hypothetical example. I'm making 300K a year. Adjust it for your own numbers. Now, what happens is that's not your money to spend. That's just how much you made. What happens is you're going to have to take out money for taxes. So, what what happens for most people is I have 300k of income. I'm going to pay, let's call it, uhund $111,000 in taxes. So now I have about $189,000 left. This is what I get to live on. Okay. But according to the BLS, for a family of four, um, two parents working, uh, two kids, cars, etc., you're going to spend about $156,000 per year just to live, which means you have about $33,000 left over. All right? So you have this is what you have to invest to save. It's also what you have to take vacations and things like that. Okay? So this is your disposable income in this hypothetical example. Again, maybe you're at 250, maybe you're at 150 and you don't have this. Maybe after taxes and lifestyle expenses, you're breaking even.

But let me show you what's happened. So we have 10% left over here. And think about what that means. If I take this times the lifetime of my career, let's say 30 years, I've paid in 3.33 million, that's how much I've given to the government. 3.3 million has leaked out of my wealth bucket during this entire time. This is my this is my lifetime tax number that I've paid. I haven't saved that much. This is not what I get to spend in retirement. This is what I've given to the government. Okay? So, what this shows us is that the biggest expense that we have is not your mortgage. It's not your healthcare. It's pretty big for most people. It's the tax bill. So, what if we could take away we could find a way to take this tax bill and we could take that tax bill and we could invest that every year. Okay?

So, the two formulas, the two different games, like I said, there's two different games being played. The top 10% that own almost everything play a different game. So, the traditional game back to the P&L uh versus the Treasury. So, the the the P&L game works like this. I earn earn some money. I then pay tax on it. Whatever I have left over pays for my life. And then hopefully I have 5 to 10% that I can save or invest. Cross my fingers. I hope that it grows big enough so by the time I'm ready to retire, I have enough money that I could spend down for the rest of my life.

But a treasurer thinks about it a little bit differently. And this is why they're able to grow wealth so fast. So what they do is they earn, but instead of paying tax, they buy assets. And they do that using the tax code. They use it doing incentives where the government literally pays you to invest. I'll break that down in a little bit. Actually, if you want to see a whole another video, I'll put a link to it down below. You can check it out where I break that down in more detail. So, we can earn, we can take all most or all of our money and put it into assets tax efficiently, taxfree. Then, we use the assets to pay for our life. And then we're saving 100% of our wealth. Imagine how much faster your wealth could get if you could save 100% of it. Not just what's left over at the end. Right? We already showed you how assets compound faster than your income. So if your assets are paying for your life instead of your income paying for your life, you can grow way faster.

But you see, your financial adviser would never tell you this. Your CPA would never tell you this. You see, your CPA, your financial adviser, they manage money after this. Your financial adviser is helping you manage this part of the bucket right here. It's sort of like going to a doctor and them trying to diagnose you, but they never ran the blood work, right? So, what we want to do is go, wait a minute, why am I just trying to manage this what's left over? Why don't I look at this whole stack right here? Why don't I build a new stack so I can have a 100% of my assets going or my income going into assets and I can manage that instead? Right? That's the difference of what we want to do as a treasure. As a treasury mindset, we're going to do that. Okay?

So, this is just a big part of what I call the treasury mindset, becoming a treasury. But what I want to really show you right now is exactly how the treasury system works and how you build it out. Okay.

So, now in order to really get this wealth ecosystem built out, the wealth operating system as I like to call it, and really get the wealth building a flywheel to grow really fast. The first thing we want to do is we want to reclaim, we want to plug the holes in our bucket. Um, we want to add the turbocharger onto the motor, however you want to talk about this. Um, and so we want to plug the holes in the bucket. Now, I'm talking about taxes. As I already kind of just showed you, the single biggest expense is your taxes. Now, um, a lot of people don't know this. Uh, in the US, the tax code is about 7,000 pages, I believe. Um, only about 2% of that tells you what you're supposed to pay. The other 98% of that tells you the incentives that the government wants you to do. And so, what that means is that the government needs me to invest. They need me to build. They need me to create jobs, create housing, uh invest in technology, things like that. And so they tell you if you do that we'll give you money for that. And so if I invest if I buy assets along the way the government wants me to do that I get money. We call that either tax depreciation or we call that tax credits. They can be one one or either. All right.

So let me just give you some basic formula. Okay. So let's go back to this 300k example. Right? In this example I was going to pay about 111k in tax. But let's just say that um what I could do is I could acquire $300,000 in tax depreciation and I could then zero out my tax bill. But let's not use that math. Let's say that's too aggressive. Let's just say you're just starting out. So let's say that uh I'm able to generate um I don't know, let's say I'm able to generate uh 100k in in tax depreciation. How do you do that? Well, uh, real estate, short-term rental real estate, uh, oil and gas, solar credits. I did a whole video breaking all that down. If you want to watch it, we'll put a link to down in the show notes down below, uh, where we really break this down in great detail. So, I'm not going to go through that here. But, let's say I get $100,000 of depreciation. Now, that drops my taxable income from 200, I'm sorry, from 300 down to 200. Now, that drops my tax bill, let's say, 30 to 40K. That's what I've reclaimed. So because I bought an asset, an incomeroucing property, an incomeroucing asset, they allow me to deduct it off my taxes and I've reclaimed about 40k. All right.

Now let's imagine that in scenario number one, I had the 300k, 111 in taxes. I had 156k to live on and I had about 35k to invest. Remember that. But in this way, I've reduced my taxable income to 200, which allows me to discount 30 to 40k that I would have sent to the government. I get a keep now. And so now I get to invest the 35k plus the 40k. So now I'm investing let's say 70k a year. So formula 1 I'm investing 35k. Formula 2 I got a little tax depreciation and now I'm investing 70k a year. Now this is the same income but I have nearly double the investment capital. Now we haven't even talked about the investment that was made here which is also going to grow as well. But now you can just see one simple move. We have instead of 35K investing, we have 70K investing. And that's not savings. That's not working harder. It's taking money I already earned. I'm reclaiming it. All right? You're not cutting your life. You're not skipping your morning coffee. You're not doing any of that. You're just redirecting money that you already owned and instead of giving it to the government because you're not doing what they say, you do what they say and you invest into assets and you get to invest even more money. That's how things really start growing fast.

Now, the power goes out when this thing starts compounding. the power really shows, you know, year 10, year 20, year 30, but let's just look at a couple years just so you can see how powerful this is and how quickly. So, let's just say that I um reclaim only 37,000. I could go get the whole 111,000. Again, there's a link in the video down below if you want to get deep into that. But, let's say that I only get 37K plus the 35,000 I was already going to invest means I now have 60 thou 67,000 to invest. That's in year one. In year two, I would reclaim a little bit more because it's compounding. So, now I have 44,000 plus the 35. So, I have 74,000 to invest. In year three, look at this. It goes 53 that I could reclaim. I now have 83 that I can invest. Year four, I'm reclaiming 64,000. I now have 94 to invest. And just in year five, again, the power comes in year 10, year 20, but I have now 77 reclaimed. And I have 107 to invest just in year five. So, the first game, I'm hopefully scrimping, saving, skipping my coffee, whatever, not taking vacations with my family, and I'm investing 35,000. Game number two, just within 5 years, instead of 30,000, I'm investing 107,000. And to get the tax appreciation, I was buying assets along the way. The government was giving me money for it. And I haven't even got to that part yet. Imagine how much faster your wealth is going to grow. This is how you get the flywheel starting to spin really, really, really quickly.

So, how do you do that? Let's break that down. Okay, so we talked about getting this flywheel built and getting it getting it spinning. And so what we talked about already is instead of focus on trying to make more money, let's just focus on building a treasury system that allows our money to grow faster. And so the first step we did, right, was we didn't make more money. We just kept more of the money we had. And we did that by using assets to offset our income income taxes. Okay? So now we have more money coming into the system. But now that's not enough. It's not enough that we're growing, you know, three times faster than the average person because we're reclaiming some more of our money. Now, how do we get the money that we have, our treasury, our assets, how do we get that to grow two, three, four, five times faster everybody else? Well, let me break that down.

So, now let's say that I'm putting the, you know, we went to like, let's say, a $100,000 number. What most people would do is I have $100,000 to invest and I have to put it into a well- diversified portfolio. What is your asset percentage breakdown? Right? That's what we've been taught. And so what we want to do is we say well what we're going to do is we're going to put 25% you know in this bucket let's call it uh stocks you know and then we're going to put you know 25% into you know real estate and then we're going to put you know 50% into you know uh cash flow let's call it you know treasuries something like that right and then you know we're going to take uh we'll take 15% or something like that and this will be like high risk something like that okay so we're thinking about this but what happens here is each dollar is doing one job. I have $1 in this bucket. I have $1 in this bucket. $1 in this bucket. This is investing horizontally. As you can see, my money is spread out.

What the wealthy do is they they do it something different. They invest in layers. All right? So, we want to invest in layers where $1 does multiple jobs simultaneously. So, we invest in layers. Instead of going wide, we go deep. So, now I put $1 in an asset. The dollar feeds the next asset and the next one and the next one. So now I'm investing in layers. Let me explain how this works. It really comes down again to a mental mind shift where most people think in terms of return on my investment ROI, right? So let's say that I have a home and it's a it's let's call it let's say it's a $1 million home. I like to use round numbers because it's easy for me. Okay, let's say I have a million dollar home and let's say that I have about let's call it 500K in equity. All right? Now, the home US uh median real estate is going up at let's say 5% per year. So on a million times five uh 5% equals about $50,000 that I'll get return on my investment. I have a million dollar home times the 5% growth. I get $50,000 of asset growth. I get $50,000 of equity. All right, we think about it that way.

However, that's not how the 1% that's not how the the the 10% own all the assets. That's not how they think. It's not about return on my investment. It's return on my equity. See, it's not just the asset. It's the equity that we have in there. That's how we think about our money doing multiple jobs. So, let me explain. This home, this million-doll home is going up at 5%. Whether this 500,000 is there or not. If I have 200,000 of equity, I have a h 100,000 of equity, it doesn't matter. The million- dollar home is going to go up at 5% and make 50 grand either way. So the question then becomes what is my not return on my asset or my investment. What is the return on the equity that I have? That's the different way we want to look at it.

So let's let's run through some math. In this example, I have a million dollar home, 50,000 equity. In this example, the home goes up by 5%. Again, whether the equity there or not, it's going to do that. If I have this, instead of looking at the return on my investment, I want to look at the return on the equity. So, if I leave the 500,000 in and I get the 50,000 gain, now I have a 10% return on equity. That's better. So, 5% return on the asset on the investment, 10% return on the equity. But here's where we get things going really nice. Let's say that I decide I want to take 200 or 300,000 of the equity out. Remember, this is all going to happen whether the equity is there or not. So, in this example, I'm going to take out, let's call it, 300K of equity over here. And I'm going to take this 300,000 and I'm going to deploy it into something. I'm not going to give you an exact asset. You know, I like Bitcoin. We can call it that. Bitcoin's been averaging about 50% over the last couple years. Let's just say you get 20%. Let's call it I put into something making 20%. I mean, so you can put in stretch and make it almost 12% right now after tax is probably close almost to 20%. So, let's just say you put it 300,000, you're making 20%. All right.

Now it looks a little bit differently, right? Now I have the 50K that I'm making already here on the return on my investment. So I have 50K from here. All right. Now I also have the 300K at 20% which is 60K. So now I have 110,000 gain which means now my return on my equity R O E equals 22%. Just by thinking about the game differently. Stop thinking about return on my total assets. Think about what return on my equity is. Right? This is the treasury mindset. The regular mindset is how do I make more income so I can get $1 doing one job, invest horizontally, and grow really slow. Versus the treasure mindset is, okay, what if I didn't focus on making more money? What if I focused on keeping more money, getting my flywheel going, and growing my equity instead? Just one simple move more than doubles our return. And we're just getting started. All right.

Now, before we talk about how this thing really starts accelerating, let's just stop and think. So, we've got uh more money coming in because we've got tax reclamation, right? And now it's going into a layered strategy. Uh and now things are growing really fast. What happens is that wealth compounds and most people don't really understand what this means. The human brain mostly thinks about things like linear like this. So, I'm over over my life. I'm putting more money in. My assets are growing at 6 to 8% and it grows like this. What happens is is wealth actually compounds. So it grows on top of grows. So it becomes parabolic. And so let me just sort of explain what this means visually so you can understand this. What happens is what we do is we use something called the rule of 72. So what the rule of 72 says is that I take my return divided by 72. And that tells me how long it takes for my asset to double. And the double is where things start getting really powerful.

Now in the example I said is we get to 20%. We can get to 20% pretty easy using the layered wealth strategy, using very safe assets, not having to go out on the risk curve. But let's let's use a 20% number. So at 20% that means my wealth is doubling. So 20 divided by 72 is about 3 and 1/2 years. So what that means is that 1 million becomes 2 becomes 4 becomes 8. And it starts going like this. 16 32 64 128. You get the idea. But the key piece is that this right here took 3.5 years. To make 64 million here took 3.5 years. So what happens is once we start putting money into this system and we we reclaim the taxes, we invested through layers. We want to allow it to grow. So what this means is that we don't oversell. What most people think is I buy low, I sell high, right? At what point do I sell these to get the dream house that I want, the beach house, the house for my kids? At what point do I sell to get the money? The answer is you don't because you never want to stop this compounding. What happens is if I want to sell some to get the money, I got to pay taxes. That's a permanent loss. Could be 20%, could be 50% of my wealth gone immediately. That's one thing. But the bigger tax is the loss of this compounding. We've stopped that. So this is uh very very expensive. So what we want to do is we want to borrow against these assets instead. So if I need money, I can pull out a little bit. I can pull out 100k here. I could pull out, you know, 3 million here using debt. As long as these assets continue to grow faster, 20%. Faster than the debt. The debt's going to be 5 to 10%. We can keep this going forever.

But let me show you what this looks like over a long period of time using the wealth acceleration curve so you can start to see where this can go for you. Okay. So, um, before I get to the diagnosis part where I want you to use real numbers so you can sort of map out how your flywheel can get built out, um, I just want to show you some math so I so I can show you this because, you know, I told you in the video this is the formula that I use to build wealth. It's how you see me here at my beach house, right? It's what I've used and it's and you can use the same thing. So, we'll put this in real numbers, but let me just show you this real fast.

So, remember we have two people. We started with that, right? The person A, 90% of people who don't really build wealth, they focus on building the P&L. They're focused on making more income. Person B is a treasury. They're focusing on keeping more wealth and they're focused on return on equity. They're focused on building assets, not income. But let's show you where those two paths. So we have both people are making 300K. Person A, 300K, person B, same income. All right, let's think about this. So using the examples I've already already given you in year five let's just say uh person one has about 190k of wealth person 2 has 529 that's a 2.8 times difference that's just in year five but remember what I showed you compounding goes exponentially so we have to look at this 5 10 15 20 30 50 years out. Let's check this out.

By year 10 we really start to see this pulling out. Person A has $469,000 of uh savings left over for retirement. Not too bad. But person two has 1.8 million. Now it's a 3.9 times difference. Wow. Starting to really pull ahead. Now we have year 15. We have this person A what do we have? 880,000 roughly of savings to retire off of. Person B has now 4.95 million. Now a 5.6 times difference. See how this is starting to fall out 15 years. Let's just uh zoom out. We'll one more here. At year 20, we have uh person A ends up with 1.48 million um to retire off of after 20 years. That's not too bad, right? If you're investing 30,000 per year, but person B over here now has 12.7 million, which is an 8.6 times difference. So, what you see is that on year five, the gap looks kind of modest, right? But we can see by year 10 the gap is not just a it's not just a different gap. It's a completely different life that person is living. We can see by year 20 it's a completely different universe. Imagine the difference of invest in retirement 1 million or 12 million. All right.

Now if you really just want some salt in the wound real quickly here let's just think that during this period over the 20 years both people earned about $6 million. All right. Formula 1 kept about 25% of that wealth. Not bad. Formula 2 generated 212%. So both people earn the same. This person kept this. This person generated this. That's the difference that we're talking about.

Now before I take you to the diagnostic, I just want to say I'm using examples of 300K. This works at 150K. It works at 1.5 million. It works at 10 million. All right? So, these are percentages that we're talking about. Uh, caveat though, if you're not making at least 100 150K, I wouldn't really be paying attention to this. Just focus on getting to 150K first. Once you have 150K, you can start building out this flywheel. Of course, the more income you make at 300K, 500K, 1 million, 3 million, it goes way faster.

Okay, now let's get to some of the math. In order to diagnose this for yourself and to see how fast you can get your wealth fly spinning, um, just pull out your last year's tax return. Or better yet, just think about this year for 2026, what is your taxable income going to be? Just think about that. So, if you're a W2 employee, it's pretty easy. You make 50 grand, 100 grand, 300 grand, 500 grand, whatever. Okay? Or if you're a business, you know, you're going to make uh 5 million. Uh you're going to spend three million. So, your taxable income will be 2 million. Whatever that number is. So, if I'm an employee, it's 300 grand in in our first example. uh maybe I'm a business, I'm gonna make two million. Okay, so step number one is diagnose what is my exposure. Now you can think through like what your tax rate is, what percentage, things like that. Um, but let's just keep this simple for right now. If if I'm if my taxable rate is this, I could look at what my um my taxable rate is, right? So at this tier, how much am I going to pay? 25%. What state am I in? State taxes, FICA tax, social security tax, etc. Um, but what we want to do is we want to figure out how much tax depreciation do I have to have to reclaim this money. So, let's just, you know, call it simple numbers. Let's call it 30%. At 300,000, I'm basically leaving a hundred $110,000 on the table. This is how much I could grow my wealth with every year if I deployed a strategy like this. At 2 million, we're talking roughly $600,000. And then just ask yourself a question. If I took $100,000, 110 times, let's call it 20% per year times, I don't know, 10 years times, I don't know, 20 years. How much is that worth? If I took the 600,000 times a 20% return times, you know, 10 to 20 years, how much is that worth? Just so you can start to see where things could be, how much different your life could be.

Because the next question that you would ask yourself after that is like if I could achieve that the question you should be asking is how that's all how do I do that because other people are doing it the top 10% do it how do you do it well I do want to tell you real quickly this is obviously not tax advice this is not investment advice uh this not investing advice I am not your adviser u and obviously there's a lot more to this so make sure that you have uh someone watching you helping you with that with these formulas here but before I end this I wanted to talk about one objection that I have because I can already hear the comments coming in. Hey Mark, this sounds super risky though. Like you what you're saying is not to think about return on investment. Uh you're talking about return on equity, which means I'd have to put my equity to work. But if I put my equity to work, um doesn't that cause risk? And you might say, you know, I heard your story, Mark, from 2008. You were, you know, you sold your businesses, you were all in on real estate and the real estate market crashed. Aren't you just making the same mistake? What if things crash? Sure, that's a great question to ask.

So what you're saying is there is potential risk. And so what I would say is there's risk in everything. There's certainly risk if you don't do this because if you go person A route, you end up with about $1.5 million, but after inflation, you have about 7 $800,000 of purchasing power. It's not going to be enough to live on for the rest of your life. So there's risk in that. Um, and if I do this, there's also risk. Now, uh, if I don't do it, I can't mitigate that risk. We mitigate the risk by employing a strategy like this. But but there's risk. What if what if the market drops, Mark? So, we want to build out a system. Um, we want to build out a system. We engineer around that. We think of every potential problem that can happen and we engineer a system around that. So, I do want to just say that really quickly. Um, anytime you put money out there, there's risk. You may not get it back. But, if you don't put it out there, there's risk also. There won't be enough. So, just understand that there's risk in both ways. Uh, but this is the way that the 10% own most of the assets. It's the way that I've used to build my wealth. It's the way that you can use to build your wealth as well. It starts by shifting your mindset. Stop trying to think of only making more money and think about how do I grow my assets instead. Stop thinking about income. Start thinking about assets. Stop thinking about return on investments and start thinking about return on my equity. And if you start and and then of course reclaim your single biggest expense and put that in to really speed things up.

Now, of course, I've built out a whole program for this. It's called the wealth operating system. Um, I'll break this down in in a lot more detail if you want to come check it I'll put a link to it down below if you want to come hang out with me for an hour. I'll dive super deep into the specifics and then I open up for Q&A so you can ask any questions that you want live about this. So, if you want to check that out, I'll put a link down below. Either way, now that you've seen this, you can't unsee it. There's uh there's the I don't know what I don't know, but now you know it. So, again, the question that you should be asking yourself is how do I start implementing this to start growing my wealth even faster and you can have the life of your dreams. All right, that's what I got. Hopefully, this works. Uh, as I say, to your success. I'm out.