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Today, I'm pulling back the curtain on the 10 frugal spending habits that can save you serious money in 2026 and beyond. If you think frugality is all about sacrifice or living like a miser, think again. This episode is about reclaiming control...making sure your hard-earned dollars aren't quietly leaving your life without your permission.These habits aren’t about being cheap, depriving yourself of fun, or sucking the joy out of your life. They’re about making intentional moves that help you master your money, eliminate financial stress, and live a life of choice.I share the traps I’ve fallen into myself—because, hey, I’m human, just like you. The goal here isn’t perfection, it’s about catching yourself faster and building in systems that keep you in the driver’s seat.IN TODAY’S EPISODE, I DISCUSS:How invisible money leaks (like unused subscriptions) quietly wreck your cash flow and my simple quarterly audit habit to seal those leaksWhy you must annualize every recurring expense before you say yes..

In this episode of the Building Your Money Machine Show, I dive into the psychology behind people who grew up poor and why simply earning more doesn’t fix financial stress. If you’ve ever felt poor, even when the income is coming in, you’re not alone. I get real about how your upbringing, conditioning, and even the emotional experiences around money shape your money mindset. You’ll find out why money sometimes feels like a threat, why the anxiety lingers no matter your bank balance, and most importantly what to do about it.We explore how poverty doesn’t just empty wallets...it wires your nervous system and creates survival logic that might have gotten you this far, but it won’t carry you into true wealth. Whether you’re facing the math problem of not enough income, or the mindset problem of “thinking broke,” I reveal the step-by-step process to fix both.IN TODAY’S EPISODE, I DISCUSS:Why earning more doesn’t necessarily eliminate financial stressThe difference between being broke and thinking broke—and how bot

In today’s episode, I break down the 9 signs you’re secretly getting rich—even if you don’t feel it yet. I know this topic will challenge so many of the common beliefs out there about what wealth really looks and feels like-because real wealth is rarely loud, flashy, or celebrated. Most of the time, it’s actually…quiet. And often, it doesn’t even feel like you’re making progress.Whether you’re just starting your wealth journey or you’re well on your path, this episode will help you recognize those “hidden” milestones that mean you’re doing it right-even if it doesn’t look impressive on the outside. Some of the signs will feel validating, others might feel a little uncomfortable, and one just might completely shift your understanding of money like it did for me.Get ready for an episode filled with honesty, actionable strategies, and mindset-changing truths about financial independence. IN TODAY’S EPISODE, I DISCUSS:Why real wealth is quiet and sometimes feels like you’re losing, while the “loudest” wealth is o

In this episode, I share the insight that changed my own life and financial journey. After decades as a CPA, entrepreneur, and money mentor, I know the sting of missing the moment when your financial engine takes over. I break down why investment income doesn’t grow linearly, why effort eventually loses to math, and how following a proven system—rather than hustling or hoping—will change the game entirely.We dive into the four gateways to financial freedom—financial stability, security, independence, and ultimately, freedom. I’ll help you recognize which stage you’re in, and walk you through the mindset and practical steps to make progress, no matter your starting point.It’s not about quitting your job, escaping your life, or magically retiring—it’s about building your money machine so you can remove desperation from your decisions, negotiate differently, and finally live a life that’s work optional, not work required.IN TODAY’S EPISODE, I DISCUSS:The two money lines that decide everything: your real lifestyl

Here’s what you’ll walk away with: a clear understanding of how owning a rental property—structured properly—becomes one of the most powerful wealth-building tools available. I cut through the confusion, myths, and “magic” sometimes associated with real estate and reveal where most people get things disastrously wrong. Real estate is math, not magic.We’ll walk through a simple, real-world example: a $500,000 rental property with 20% down. I show you how each wealth engine works together—cash flow, appreciation, loan paydown, and tax shields—and, more importantly, why leverage is your greatest ally and your biggest risk. The same math that helps you build wealth can sink you if you’re not careful.I also draw some hard lines: why cash flow alone doesn't build true wealth; why a fragile deal can destroy your finances; and why mitigating risk is critical. Don’t let one property destroy your financial future—let it accelerate the wealth you’re already building.IN TODAY’S EPISODE, I DISCUSS:The “four engines”

Today, I’m breaking down how to invest in alternative asset classes like gold and silver—and more importantly, how to think about them the right way, so they actually support your wealth instead of quietly sabotaging it.I get it: there’s a lot of hype (and confusion) around alternative assets, and it’s easy to feel like you’re missing out or behind. Whether you’ve wondered if now’s the time to buy gold, if silver is a “cheaper” alternative, or if jumping into private deals is the next smart move, this episode is for you.Together, we’ll walk through the two engines of investing, the true role of “store of value” assets, and explore the pros and cons of private equity, hedge funds, syndications, and crypto. I don’t believe in trashing alternative investments, but I do believe in getting clear on the purpose each asset serves—and stopping the confusion that leads to avoidable losses. IN TODAY’S EPISODE, I DISCUSS:The difference between assets that preserve value (like gold) and those that create value (like busi

Today, I’m sharing the Japanese philosophy that fundamentally changed my approach to wealth—and ultimately, made me rich. If you’ve ever felt that your financial life is fragile, like a single surprise could wipe it all out, you’re not alone. In this episode, I take you back to my days living and training in Japan under a 17th-generation samurai lineage. What I learned there—through martial arts and a razor-sharp test of survival—revealed a powerful framework for building real-world financial resilience. It’s called Shu Ha Ri, and this philosophy isn’t just about responding to danger, but about being so prepared that chaos can’t break you.I break down how this concept goes far beyond theory. It’s a step-by-step roadmap to building your “money machine” that removes fragility from your finances for good...no matter what life throws at you.IN TODAY’S EPISODE, I DISCUSS:What Shu Ha Ri really means, and why it’s crucial for protecting and building wealthThe difference between working hard and creating value—and wh

Welcome to another thought-provoking episode of the Building Your Money Machine Show! Today, I’m shining a spotlight on a reality most people don’t want to talk about: the fact that earning more money doesn’t automatically make you feel rich or free. In fact, more than half of households making over $100,000 a year are still living paycheck to paycheck. If you’ve ever wondered why hitting a higher income doesn’t bring lasting peace or satisfaction—and sometimes even leads to more anxiety—this episode is for you.I share why the feeling of being rich is rarely about the numbers in your bank account, but much more about psychology, behavior, and clarity. Drawing from my decades as a CPA, entrepreneur, and money mentor, I walk you through the science of happiness and the “hedonic treadmill,” how our brains adapt to new income levels, and why most financial struggles are rooted in emotions—not math.We’ll get real about lifestyle creep, emotional spending, and the sneaky ways comparison culture fuels our financial

Welcome to another thought-provoking episode of the Building Your Money Machine Show. In this episode, I’m tackling one of the biggest misconceptions in personal finance: that net worth is the best predictor of wealth and financial freedom. Spoiler alert—it isn’t. I’m breaking down why net worth alone is an incomplete metric, why so many people with high net worth still feel financially stressed, and, most importantly, the real number you need to focus on to create the life and freedom you truly desire.Through my decades as a CPA, entrepreneur, and money mentor, I’ve watched people chase ever-higher net worths, only to stay stuck on the financial hamster wheel. I’ve seen individuals who look wealthy on paper but feel just one bad month away from panic, while others with far less accumulated “net worth” live calm, and confident lives. The difference? It’s all in what your money can actually do for you.I’ll introduce you to key ratios and calculations that show exactly how close your assets are to buying your f

Welcome to another episode of the Building Your Money Machine Show! Today, I’m pulling back the curtain on a topic that goes far beyond just dollars in the bank. We’re talking about 9 subtle behaviors that quietly signal you’re upper class — and I promise, this isn’t about how much money you have or what you drive. It’s about how you show up in life, how you move with calm, confidence, and control, even when the world feels rushed, chaotic, or loud.After 30+ years as a CPA and money mentor, I’ve seen firsthand that wealth isn’t always what you see on the surface. True “upper class” is about having systems that take the pressure off, behaviors that exude quiet authority, and habits that build not just wealth, but a sense of richness in your everyday life.I’ll share the actionable steps you can take to claim these subtle habits for yourself—no matter your net worth or income—so you can start living more freely, intentionally, and on your own terms.IN TODAY’S EPISODE, I DISCUSS:Why being “upper class” is more ab

Welcome to another power-packed episode of the Building Your Money Machine Show! Today, I’m pulling back the curtain on what truly separates those who actually cross the million-dollar net worth line from those who just spin their wheels — and believe me, it’s not about being smarter, more motivated, or waking up at 4:17am to meditate. It’s all about mastering the psychology around money.As someone who’s spent over 30 years as a CPA and money mentor, I’ve seen the same patterns play out again and again. Most people will earn enough throughout their lives to reach that magical million-dollar net worth, but very few do. Why? It’s not the income — it’s the behaviors and the psychological traps that hold us back. In this episode, I break down the six key psychological patterns of first-generation millionaires and reveal the actionable steps you can start taking right now to plug those money leaks and build real financial freedom.I walk you through strategies like delaying gratification, creating an internal locus

Welcome to another eye-opening episode of the Building Your Money Machine Show! Today, I’m pulling back the curtain on the silent rules of the financial system—the unwritten games that keep so many smart, hardworking people stuck on the treadmill of never-ending financial stress. If you’ve ever felt like you’re doing all the “right” things but still aren’t getting ahead, this episode is for you.I get candid about how the financial system isn’t designed to make you wealthy—it’s built to keep you busy and keep you spending. I share from my 30+ years as a CPA, entrepreneur, and money mentor what the silent rules are, how they operate, and most importantly, how you can break free from their grip.From the normalization of financial silence, to the invisible fees the system hides, to the trap of transaction speed versus wealth creation, I’m laying it all out. You’ll hear about the difference between productive and destructive debt, and why inflation quietly eats away your wealth.Plus, I’ll give you micro actions yo

Welcome to another actionable episode of the Building Your Money Machine Show! Today, I’m pulling back the curtain on a topic that quietly separates the wealthy from everyone else: the assets you choose not to buy. We’ve all been taught that wealth is about earning more and investing harder, but after three decades as a CPA and money mentor—and having walked this road personally—I can tell you, true wealth has just as much to do with avoiding costly mistakes as it does with seizing the right opportunities.In this episode, I break down seven assets that the rich almost never touch—but unfortunately, the poor and middle class often do. You’ll hear why these things look so attractive, how they’re cleverly marketed, and why saying “no” to these sneaky traps can be the difference between financial struggle and financial freedom. I’ll show you how every asset you buy either gives you more options or quietly takes them away—and how you can avoid self-inflicted money wounds that sabotage your future.I'll introdu

Welcome to another transformative episode of the Building Your Money Machine Show. In today’s solo conversation, I’m challenging what it really means to be “rich” in America — and why chasing after the top 1% might not bring you the fulfillment you’re hoping for. If you’ve ever wondered how much money you actually need to feel wealthy, safe, and free in 2026 (and beyond!), this episode is for you.After 30+ years as a CPA, entrepreneur, and money mentor — and learning plenty of my own tough lessons along the way — I’ve seen firsthand how chasing financial trophies doesn’t pay for peace of mind. This episode is not about flexing or comparing income brackets, but about creating a money machine that funds your chosen life.I’ll walk you through the real wealth tiers in America, what they require, and what it actually feels like at each level. We'll dig into the hard truths about income versus net worth, why high earnings don’t guarantee wealth, and the psychology behind our money decisions.IN TODAY’S EPISODE,

Welcome to another thought-provoking episode of the Building Your Money Machine Show! Today, I’m getting real about a topic that may surprise you: the psychology of people who act poor—even when they’re actually rich. After more than 30 years working as a CPA, entrepreneur, and money mentor, I’ve noticed the quiet millionaires don’t look rich on purpose. Not because they can’t spend, but because money has stopped being emotional for them—and showing it just doesn’t matter anymore.We dig into why quiet millionaires decouple money from identity, optimize for optionality rather than image, and prefer liquidity over “stuff.” I share how they exit the toxic comparison game, see spending as a permanent choice, and become comfortable being misunderstood—no longer needing external validation. I reveal the action steps you can take to adopt these psychologies in your own financial journey, and making intentional, non-comparison-based choices.Ready to stop trying to look wealthy, and start building a life and wealth th

Welcome to a game-changing episode of the Building Your Money Machine Show! I’m Mel Abraham, and today I’m pulling back the curtain on the habits and behaviors I learned first-hand from sitting in rooms with over 400+ millionaires. Trust me when I say this: wealth isn’t reserved for a chosen few—it’s accessible to anyone willing to work differently, not just harder.After three decades of helping thousands build sustainable wealth, I’ve watched what actually moves people from stressed out to financially free. This episode is all about sharing those lessons, so you can stop chasing money and start building your own money machine. If you feel behind or stuck after following the traditional path, it’s not your fault—but it is your responsibility to redirect your journey from here.Get ready! I’m sharing the brutal truth about what millionaires do, and I’m breaking down the twelve powerful lessons that can transform your financial trajectory. Whether you’re just starting out or looking to level up, these strategies

Welcome to another transformative episode of the Building Your Money Machine Show! Today, I’m tearing back the curtain on what really needs to change once you start building serious wealth—and the handful of things you must never change, no matter how high your net worth climbs.Getting rich doesn’t automatically solve your problems—in fact, if you’re not intentional, it can make them more expensive and complex. After more than 30 years as a CPA and money mentor, I’ve watched countless people hit their financial stride and then lose sight of what truly matters. That’s why, in this episode, I walk you through the six critical areas to immediately upgrade as your income grows—while reminding you of five bedrock values and strategies to protect at all costs.Plus, I share the things that even the wealthiest among us should never abandon, like core values, gratitude, and the simple, powerful wealth strategies that got you here in the first place.It’s not enough to just make money—you’ve got to build a life that’s r

Welcome back to another episode of the Building Your Money Machine Show! Today, I’m pulling back the curtain on the habits that don’t get much hype — the “unsexy” routines that quietly made me and my clients serious money and, more importantly, bought us our financial freedom. Forget flashy overnight success stories; this episode is all about the tiny, repeatable behaviors that add up to real wealth over time.In this episode, I’m sharing the 12 unsexy habits that have multiplied my wealth and transformed my life. I’ve seen countless people believe they have an income problem, when it’s really an awareness problem—money leaks that drain their potential, little by little.We're breaking these habits into three main categories. I’ll get concrete—giving you action steps you can implement right now to master your money, eliminate financial stress, and live a life of choice.IN TODAY’S EPISODE, I DISCUSS:Why tracking EVERY dollar is the first step towards financial awareness and powerHow to automate your investi

Welcome back to the Building Your Money Machine Show! In today’s episode, I get real about one of the most important roles we play—not just as wealth builders, entrepreneurs, or money mentors, but as parents and role models for the next generation. If you don’t teach your kids about money, social media (hello, TikTok) will do it for you—and trust me, you won’t like those lessons. Instead of “spend now, regret later,” let’s raise kids who are independent, generous, financially confident, and prepared for life.I share the rituals and conversations I used with my own son—from the age of five and a half—so you can begin planting those seeds of abundance in your home. I’ll show you how this approach builds not just financial literacy, but resilience, character, patience, generosity, and ownership.Whether you’re a parent, grandparent, or soon-to-be one, this episode will give you both the mindset and the practical steps to start these conversations tonight.IN TODAY’S EPISODE, I DISCUSS:Why the 1% give their childre

Welcome back to the Building Your Money Machine Show! In this episode, I’m pulling back the curtain on the brutal truths about money management that absolutely no one wants to hear—but everyone needs to know. It’s time to challenge the common beliefs that keep so many of us stuck, and replace them with real strategies for building true financial freedom.I see it all the time—people thinking that making more money, working harder, or just waiting for the “right time” will solve their problems. The truth? Most people don’t have an income problem. They have a behavior, decision, and strategy problem. After years navigating my own financial ups and downs, I’ve learned the painful lessons so you don’t have to.Today, I walk you through the nine brutal truths about money management—truths that challenge everything you’ve ever been taught. Plus, I’ll give you a simple, actionable five-step money reset plan that you can start today to take charge of your financial life. Whether you’re making $40K or $400K a year, the