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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

Welcome to another episode of the Building Your Money Machine Show! Today, we’re getting brutally honest about the biggest reasons most people never hit that coveted million-dollar net worth—even though mathematically, millions of us should get there.In this episode, I unpack the 10 silent wealth traps that slowly steal hundreds of thousands (or even millions) of dollars from ordinary people over a lifetime. These aren’t obvious mistakes—these are sneaky, everyday mindsets and decisions that feel normal, but quietly sabotage your financial future. I’m giving you the tough love and transparency you need to see (and avoid) these pitfalls before they derail your journey.Whether you’re just starting out in your 20s, juggling life in your 30s and 40s, or feel like you’re late to the party in your 50s or 60s, this episode has age-specific strategies to help you escape mediocrity and explode your wealth well into the seven figures and beyond.IN TODAY’S EPISODE, I DISCUSS:The shocking reality that only 10% of America

Welcome to a revealing episode of the Building Your Money Machine Show! Today, I’m uncovering the “13 Shocking Money Stats of the Average American”—facts that will jolt you awake about why so many people struggle financially, and, most importantly, what you can do to avoid becoming one of these statistics.I walk you through 13 jaw-dropping stats, like how 28% of U.S. wealth is held by just 1% of people, why nearly a quarter of Americans live paycheck to paycheck, and the staggering reality of household savings, debt, medical bills, and student loans. But the story doesn’t end there; for each stat, I share my personal experiences and give you actionable strategies for taking control, building assets, protecting yourself against emergencies, and getting your money working for you.From automating savings and fighting off financial “termites” to understanding why financial literacy is non-negotiable, these are the practical steps that will help you dodge the traps, master your money, and create a life of real fin

Welcome to a game-changing episode of the Building Your Money Machine Show! Today, I'm tackling a topic that most people don’t think about until it’s too late—the essential financial moves you must make before 2026. Did you know that 70% of people enter a new year in the exact same financial place as the year before? It’s not because we don’t work hard or care enough—it's because we don’t make the right moves at the right time.I’ll walk you step by step through redesigning your spending plan, renegotiating expenses, realigning your spending with your values, and confirming your emergency fund to keep your nervous system calm. We'll check your net worth snapshot, capture all the free money you might be leaving on the table (think 401(k) matches, employee stock discounts, and HSAs), lock in your year-end tax strategies, and make sure you’re maxing out those tax-advantaged accounts before the deadlines hit.This episode is your game plan to stop reacting to life and start directing it. Let’s make y

Welcome back to the Building Your Money Machine Show! In this episode, I’m shining a light on one of the most overlooked keys to financial freedom: the smartest order to invest your money. If you’ve ever felt like you’re doing everything “right”—saving, investing, being responsible—but you’re still not getting ahead, you’re not broken. You’ve just been taught the wrong sequence. Today, I break down my Wealth Priority Ladder—a proven, step-by-step approach to hiring your dollars for the right jobs, finally giving you clarity, confidence, and control over your financial future.I dive into the common mistake that keeps people stuck. It’s like trying to build a house by starting with the rooftop Jacuzzi! Instead, wealth is built systematically, and every dollar needs a job description—just like every employee in your business. When you master the right order, your money flows with purpose and resilience, rather than wandering aimlessly or causing financial stress.Finally, I talk about the Affluence Phase, where y

Welcome to another episode of the Building Your Money Machine Show, and today, I’m tackling something a lot of us feel on the wealth-building journey: it sucks at first, but it’s the secret to skyrocketing your net worth. If you’re saving and investing and it still seems like your numbers aren’t moving, you’re not failing—you’re experiencing what I call the “wealth flatline.” That frustration has tripped up thousands, but if you stick it out, compounding will flip the switch and your money will start working harder for you than you ever worked for it.In this episode, I pull back the curtain on why building wealth feels painfully slow in the beginning, especially when you see friends celebrating big purchases and living it up while you’re keeping it simple and disciplined. We dig into delayed gratification, the real-life grind of managing money, sticking to boring (but proven!) investing strategies, avoiding destructive debt, and fighting the urge for instant gratification.I even cover the phases you’ll experi

Welcome to a crucial episode of the Building Your Money Machine Show. Today, I’m pulling back the curtain on what’s really happening in our economy, and more importantly, the hidden financial risks that almost everyone is missing. While the headlines scream about AI and the stock market's record highs, there’s a dangerous gap between perception and reality.As someone who’s analyzed these cycles for over 30 years as a CPA, advisor, and investor, I’m here to help you see through the noise. In this episode, I decode the “debt spiral,” uncover consumer stress no one’s talking about, expose the concentration risk lurking in your index funds, and dive into why today's signals eerily echo the moments before past market breakdowns.This isn’t fear-mongering — it’s about preparation, discipline, and clarity when everyone else is distracted by hype. I’ll walk you through the five “hidden forces” shaping the next decade: the growing debt crisis, the productivity mirage of AI, the fragile state of consumer finan

Welcome to another transformative episode of the Building Your Money Machine Show! Today, I’m breaking down exactly what you need to do if $10,000 suddenly shows up in your bank account—and how that first five-digit sum can be the key to unlocking your financial freedom.Here’s the truth: most people freeze, flex, or fumble when they get their hands on their first real chunk of cash. But as I explain in this episode, investing your first $10,000 isn’t just about picking the hottest stock or crypto your cousin can’t stop talking about. It’s about building a rock-solid financial foundation and developing the habits and systems that allow your money to work harder for you than you ever worked for it.I dive deep into my Wealth Priority Ladder—a proven, step-by-step approach to eliminating destructive debt, building your liquidity base, and earning the right to invest with confidence. I’ll walk you through the right order of operations so you can avoid expensive mistakes, reduce financial stress, and actually build

Welcome to another episode of the Building Your Money Machine Show! Today, I’m sharing a game-changing roadmap that truly transformed my own financial journey — the 3 Net Worth Milestones that can change everything for you, especially when life throws unexpected curveballs.We dive into the three essential net worth milestones—$100K, $500K, and $1M—that mark your progress from discipline, to momentum, to true financial freedom. I break down what each milestone means, why it matters so much, what to expect along the way, and, crucially, what steps to take whether you’re just beginning or already making traction.I share my own experiences: the golden-hamster-wheel days when I believed more income was the answer, the reality check that upended that belief, and the behavioral shifts that really move the needle. We debunk the income trap, talk about the exponential power of compounding and time, and reveal why so many quit right before compounding really kicks in.IN TODAY’S EPISODE, I COVER:Why true financial freed

Welcome to another powerful episode of the Building Your Money Machine Show! In this session, I tackle a topic that could redefine your financial future: the K-Shaped Economy. We’re not all playing on the same economic field—and if you don’t understand the rules, you could end up on the wrong side of the gap.In this episode, I break down what the K-shaped economy really means, why the gap between the haves and have-nots is growing faster than ever, and, most importantly, how you can take control so you end up on the right side of that divide. I use real-life examples and actionable strategies to show you why waiting for things to “go back to normal” isn’t a plan—it’s a slow leak to your finances.I share the five critical decisions that separate financial climbers from those who quietly slip behind. From how you spend and invest, to the information you consume, your sources of income, the assets you prioritize, and the community that surrounds you—these choices are setting your trajectory today, whether you re

Welcome to another game-changing episode of the Building Your Money Machine Show! Today, I’m pulling back the curtain on the secret sauce to actually achieving your financial goals — and let me tell you, it’s not just about dreaming bigger or scribbling bold predictions into your journal. If you’ve ever set a money goal that fizzled faster than those New Year’s resolutions, you’re not alone. I’ve been there, too.In this episode, I walk you through my three powerful money systems that will take you from overwhelmed and paycheck-dependent to peaceful, confident, and wealthy.You’ll hear the personal story that changed everything for me (spoiler: it involves a blue felt-tip pen, a stick figure, and my son Jeremy), and the curveball that forced me to test my financial systems when life threw cancer my way. Whether you’re just starting your financial journey or looking to dial things up, I share actionable systems that move you from just hustle to lasting financial security and choice.I dive into the Money Flow Sys

Welcome back to another episode of the Building Your Money Machine Show! Today, I’m cutting through one of the biggest myths about money — that earning more is the answer to financial freedom. If you’ve ever found yourself running on that earnings treadmill, making more but still feeling stuck or stressed, this conversation is for you.I break down the one rule every truly wealthy person follows, and it’s probably not what you were taught. It’s time to stop chasing paychecks and start building PEACE OF MIND. In this episode, I walk you through the “Affluence Cash Flow Matrix” — the exact framework I’ve used with clients to help you shift your focus from income and expenses to building a money machine that works for you.You’ll learn why high earners are often just a bad month away from financial chaos, and how to escape the fragile treadmill of the earnings trap. Plus, I share real-life stories — like my client Mark earning $400K a year, living large, but still broke — and reveal how to move your money onto the

Welcome to another insightful episode of the Building Your Money Machine Show! Today, we’re tackling a topic at the very heart of your financial future: fiat currency. If you’ve ever wondered why your paycheck doesn’t seem to stretch the way it used to, or why groceries keep creeping up in price, stick with me—because the real issue isn’t just inflation. It’s understanding the actual money you’re using.In this episode, I break down what fiat currency really is, how it became the global standard, and why it can silently drain your wealth if you don’t know how to play the smart game. As a CPA, entrepreneur, and investor who’s walked the financial freedom path more than once, I discovered firsthand that mastering money starts with understanding how the system works—when it’s built on belief, not backing.We dig into the historical pivot from the gold standard to fiat currency, its pros (like flexibility and scalability), and its pitfalls. I’ll show you how fiat impacts your income, spending, and investment strate

Welcome to another game-changing episode of the Building Your Money Machine Show! Today, I’m pulling back the curtain on seven popular finance tips that might sound smart—but are actually keeping you stuck, broke, and playing small. If you’ve ever been told to skip the lattes, save 10%, hustle harder, buy a home ASAP, kill all debt before investing, play it safe, or believe that money can’t buy happiness... you’re not alone. But in my decades of working with families, entrepreneurs, and my own money journey, I’ve seen firsthand how these well-meaning tips can quietly sabotage your path to financial freedom.In this episode, I break down each myth, explain why they’re momentum killers, and show you how to flip them into powerful, actionable strategies. It’s time to escape the income trap and build a money machine—because earning more doesn’t make you free, your money machine does! Freedom begins the moment you get your dollars working harder for you than you did for them.Let’s jump in, unpack these outdated mon

Welcome to another eye-opening episode of the Building Your Money Machine Show! Today, I’m sharing the 12 things I DON’T waste my money on as a 64-year-old millionaire. If you’ve ever felt the pressure to cut out coffee or deprive yourself to achieve financial freedom, let me tell you — that’s not the secret. True wealth is about living consciously, and making sure every dollar multiplies your joy, not your regret.I’ll break down the biggest financial pitfalls I’ve seen over decades as a CPA, entrepreneur, and mentor. These aren’t just theoretical — I’ve made these mistakes myself, and learned how to dodge them to build lasting financial freedom. From subscription creep to “joy purchases” disguised as progress, chasing rewards and fads, buying for the future you, and more, I want you to be intentional about every decision.Building your money machine isn’t about deprivation. It’s about being smart — celebrating your successes, understanding where your dollars go, and making choices that feed your future wealth

Welcome to another episode of the Building Your Money Machine Show! Today, I’m shedding light on one of the most misunderstood secrets in wealth-building—why the truly rich keep their wealth quiet and what that means for living a life of freedom, choice, and peace of mind.If you’ve ever thought that being rich means showing off the fancy car, watch, or taking extravagant trips, let’s flip that script. In this episode, I dive deep into the reality behind loud wealth—the hidden stress, the debt, and the attention from scammers and opportunists. I’ll walk you through why acting broke (not literally poor, but quietly and respectfully wealthy) actually protects your relationships, your sanity, and, yes, even your safety.We’ll explore practical action steps to audit your expenses, rethink your relationship with social media, and use the power of financial camouflage as a secret weapon. I’ll show you why stacking assets—not brands—is how the rich stay rich, and how you can redirect just one status purchase into buil

Welcome to another episode of the Building Your Money Machine Show, where we break down exactly what it takes to master your money, eliminate financial stress, and build a life of choice. In today's episode, I’m diving into the 12 wealth signals that can predict whether you’re on the millionaire track long before your bank account proves it. That’s right—millionaire status isn’t about IQ, luck, or outworking everyone around you. It comes down to a handful of specific mindsets, behaviors, mechanics, and relationships most people ignore.From the power of saying "no" to the art of delayed gratification, curiosity over intelligence, and the ability to measure wealth in time—not just dollars—I'll show you why compounding, discipline, and self-control beat hustle and brute force every time. We’ll talk about why emotional detachment from money, risk radar, and embracing unpopular paths make all the difference when everyone else is chasing the herd.Whether you’re just starting out or already build

Welcome back to the Building Your Money Machine Show! Today, I’m busting one of the biggest financial myths out there—and it’s something I see trip people up over and over again: the idea that the more cash you keep in the bank, the safer and wealthier you’ll be. In reality, sitting on too much cash might just be one of the riskiest moves for your financial future.Drawing from my decades as a CPA, an entrepreneur, and an advisor, I’ll break down why cash is a protector, not a builder of wealth. We’ll dig into the exact formula you can use to figure out how much cash you really need to keep, how to set up your emergency and peace of mind funds, and what to do when you’re crossing the “too much” cash line. If you want your money to work harder for you than you did for it, this episode is a must-listen.You’ll not only gain peace of mind but also learn to avoid the hidden dangers—like inflation, lifestyle creep, and missed opportunities—that come with stockpiling too much in your checking account. I’ll walk you t

Welcome to another episode of the Building Your Money Machine Show! Today, I’m pulling back the curtain on my 35+ years of investing experience—real-world, in-the-trenches lessons learned as a CPA, entrepreneur, and investor who’s seen it all. Forget the hype about AI stocks, crypto, and so-called secret get-rich-quick strategies. In this episode, I break down the timeless principles and habits that actually create wealth—and help you avoid the painful mistakes that most investors make along the way.Whether you’re just starting out or have been in the game for decades, this episode is for anyone who wants to build a reliable, stress-free path to financial freedom. I’m sharing the 11 most powerful investing lessons I’ve learned from four recessions, three bubbles, and a lot of late nights with spreadsheets. From avoiding emotional decisions to understanding the real role of advisors, we get into the specifics you need to know to make your money work for you—not the other way around.I’m here to help you master

Welcome to another thought-provoking episode of the Building Your Money Machine Show! Today, I’m pulling back the curtain on what REAL wealth looks like. If you’ve ever found yourself scrolling through Instagram, dazzled by flashy cars, luxury homes, and rooftop cocktails—this is your wake-up call. Because let’s be honest: most of what people call “success” online is just chaos with a fresh coat of paint.In this episode, I break down the nine subtle signs that reveal whether you’re quietly building genuine, lasting wealth—or just getting sucked into the game of chasing shiny objects. After more than three decades as a CPA, entrepreneur, and money mentor, I’ve seen both sides: those who went broke chasing the flex, and others who built millions living lives you’d drive right past without ever noticing.We’ll dig into the mindsets, and strategies that won’t impress your neighbors, but WILL set you free. You’ll learn why earning more money doesn’t make you free—it’s about creating a money machine that works harde