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2:19

All right, love you all. Let's

2:21

get to the show. Did you

2:24

know that most upgrades? are incremental

2:26

and often not worth the hefty

2:28

price. Sales could seem like a

2:30

great opportunity to save money, but

2:32

they often tempt us into buying

2:35

things we really do not need.

2:37

Don't allow your sale to prevent

2:39

you from building wealth. I've loaned

2:41

money to France. Hey man, I

2:43

paid back in 30 days and

2:46

it's three years later and I

2:48

haven't gotten a penny back. And

2:50

for me, it's not about I

2:52

don't have the money back, it's

2:55

the fact that I set a

2:57

strict budget. I prioritize my saving

2:59

and my investing. Where is your

3:01

money going? What is your money

3:03

doing? How much debt do you

3:06

have? And what's your income? Like,

3:08

what do you have coming in?

3:10

How much debt do you currently

3:12

have? But when you leave that

3:14

job, what are you doing for

3:17

you? What are you doing for

3:19

your last name? What's going on

3:21

family? With everything going on in

3:23

the economy today, now, let me

3:25

say this again, now is not

3:28

the time to be playing around

3:30

with your finances, with your money.

3:32

It is time to get intentional.

3:34

It is time to get discipline.

3:36

It is time to take... it

3:39

serious during these days and times.

3:41

You see, building wealth isn't just

3:43

about stacking up cash or getting

3:45

to the bag. It's about how

3:47

much of your bag can you

3:50

keep, how much of your bag

3:52

can you invest? How much of

3:54

your cash can you pass down

3:56

to your children, to your loved

3:59

ones? And to do that, you're

4:01

going to have to start saying,

4:03

I'm sorry to say this, no,

4:05

to some things. Yes, you're gonna

4:07

have to start saying no to

4:10

your friends. You're gonna start saying

4:12

no to other people and to

4:14

certain things. In today show, I'm

4:16

gonna break it all down. Why

4:18

is it? Why is it? Why

4:21

is it time to stop chasing

4:23

the newest and most expensive things?

4:25

How setting healthy boundaries is key

4:27

to financial success and why getting

4:29

serious about your financial future is

4:32

a must, not just a choice.

4:34

Today's message is going to be

4:36

a wake-up call. Stop following the

4:38

crowd and start thinking about the

4:40

legacy you want to leave behind.

4:43

Listen, I'm in a season of

4:45

my life. Throughout I'm focusing on

4:47

building a legacy, not just building

4:49

a following. I'm focused on building

4:52

a legacy, not just building a

4:54

big old bank account, because what

4:56

is a bank account if I

4:58

have no one to leave it

5:00

to? What is a bank account

5:03

if I've lost my soul? So

5:05

grab your pen. Grab a piece

5:07

of paper, take some notes, and

5:09

we're going to get into this

5:11

show. It's a mashup of the

5:14

things that you need. Let's get

5:16

to it. I'm done purchasing the

5:18

latest and the greatest versions of

5:20

things. You see in today's culture

5:22

and today's fast-paced culture, consumer culture,

5:25

there's always pressure to upgrade to

5:27

the latest model and to the

5:29

greatest version and to the latest

5:31

thing that everyone's talking about. Everyone's

5:33

talking about Apple's new gadget and

5:36

I checked it out to see

5:38

like it was there really value

5:40

to it. And I was like,

5:42

I don't really see that there's

5:45

a value for $3,500 for me,

5:47

Anthony O'Neill. to buy it just

5:49

because everyone's talking about it. It's

5:51

the latest gadget. I saw a

5:53

guy on the plane and he

5:56

had it and he was looking

5:58

like this watching the movie and

6:00

it looked pretty dope. I'm not

6:02

even going to lie. But I'm

6:04

like, I don't need it. It

6:07

doesn't bring value to my life

6:09

right now. But did you know

6:11

that most upgrades are incremental and

6:13

often not worth the hefty price?

6:15

Recently they came out with the

6:18

iPhone, the new iPhone. I forgot

6:20

what else. I think I got

6:22

the 13 or the 14. I

6:24

can't remember what it was, but

6:26

my video guy Jay has a

6:29

new one. I said, what's the

6:31

difference? Like, why did you get

6:33

it? Oh, the camera. I said,

6:35

they sell it on the camera

6:38

every single year. Like, every single

6:40

year. Oh, man, the charging port.

6:42

Like, it's the same now. It's

6:44

a MacBook. I can still use.

6:46

I got so many of these

6:49

charging ports, why don't I need

6:51

to go spend $1,000, $1,500, so

6:53

I can be able to use

6:55

the same charging cable that is

6:57

on my computer. No. The last

7:00

iPhone upgrade to me, I'm not

7:02

knocking you if you got it.

7:04

I'm not at all, right? But

7:06

it's like, was it really worth

7:08

the thousand, $1,000, $1,000? You

7:11

see, because if we can resist

7:13

the urge to consistently upgrade our

7:15

gadgets and appliances and our phones,

7:18

we can save a substantial amount

7:20

of money over a period of

7:22

time. Because according to consumer reports,

7:24

sticking with a slightly older model

7:26

can save you up to 50%

7:29

off the original price without sacrificing

7:31

much functionality. So when I look

7:33

at this, right, I'm not missing

7:35

out on much. Yeah, I may

7:37

not have the extra crispy camera

7:39

and photos, but I got dope

7:42

photos. Yeah, I may not be

7:44

able to use the same plug

7:46

that plugs into this computer over

7:48

here, but I can still charge

7:50

it. Well, Anthony, it's on sale.

7:53

Anthony got sales going on. That's

7:55

number three. I stopped investing into

7:57

items that are on sale. Because

7:59

we, it, sales could seem like

8:01

a great opportunity to save money,

8:04

but they often tempt us into

8:06

buying things we really do not

8:08

need. Because studies are showing, because

8:10

I think the study showed us

8:12

it was right around that consumers

8:14

spend about 38% more when using

8:17

a credit card compared to cash.

8:19

And the allure of the sale,

8:21

the drawing of the sale. Can

8:23

help people spend even more money?

8:25

Because what do we see? Oh,

8:28

oh, oh, this used to be

8:30

$100. You get it today for

8:32

$75. But if you get to

8:34

say for $75, you buy this,

8:36

you could buy this as well

8:39

from 50% off. What? I was

8:41

watching something. I do not remember

8:43

where I was watching it, so

8:45

I do not want to say

8:47

it wrong. But I saw that

8:50

these people are not really giving

8:52

sales. So it's like, for an

8:54

example, if it was a, let's

8:56

say for an example, it was

8:58

100. They'll mark it up to

9:00

110 and then mark off 20%

9:03

when they're really going back down

9:05

to really where it was, a

9:07

little bit below. A little bit

9:09

below. My mom, my mom in

9:11

Carolina, she is a coupon shopper.

9:14

And she said, I get it

9:16

for sale. I said, mom, but

9:18

you spend more money now on

9:20

sales than you did when it

9:22

wasn't on sale because you know

9:25

if you can get one for

9:27

99 cents, why not get 10

9:29

for 99 cents when before you

9:31

was only buying one for $3.99

9:33

and $9.09. By sticking to a

9:35

strict budget and only purchasing items

9:38

that we truly need, we can

9:40

avoid falling into the trap of

9:42

overspending on discounted goods. We have

9:44

to get on a budget and

9:46

stick to the budget and we

9:49

have to look at ourselves and

9:51

say, you know what, I'm not

9:53

gonna spend money on that. item

9:55

just because it's on sale when

9:57

I don't even need it because

10:00

at the end of the day

10:02

I still spent money. I still

10:04

spent money that I could have

10:06

used to purchase an asset that

10:08

I could have used to put

10:10

inside of an investment account that

10:13

I could have used to put

10:15

inside of an investment account that

10:17

I could have used to put

10:19

inside of my kids Roth custodial

10:21

Roth. All right wait I put

10:24

all this money oh it was

10:26

on sale the bracelet was on

10:28

sale. Oh, the massages was on

10:30

sale. The cars was on sale.

10:32

Everything was on sale. And don't

10:35

get it twisted. I am a

10:37

person who sell things and I

10:39

get it. It is wise for

10:41

me to offer a deal, right?

10:43

But it's also not wise for

10:45

you to take a deal for

10:48

me that you cannot afford simply

10:50

because I just put it on

10:52

sale. No, you have to track

10:54

your wealth. Don't allow your sale

10:56

to prevent you from building wealth.

10:59

This is why I created the Wealth

11:02

Builder tool. So that way you can

11:04

be tracking your wealth. So you can

11:06

know, like, hey, listen, I can't afford

11:08

to go spend $500 on this sale

11:10

item because this $500 right here is

11:13

going to go towards my investment. Now,

11:15

let's say I'm putting $500 towards this

11:17

and I do want this item on

11:19

sale. I do need this item on

11:21

sale. Okay, great. I didn't stop something

11:23

else to go to the sale. I

11:26

didn't stop investing, I didn't stop paying

11:28

my mandatory bills, I didn't go borrow

11:31

money, I went and I took care

11:33

of my priorities and I went over

11:35

here and I purchased the item that's

11:37

on sale. But you cannot manage what

11:40

you do not track. You cannot build

11:42

wealth if you're not looking at the

11:44

end goal and then working yourself backwards.

11:46

And this is why we have the

11:49

wealth builder tool. This is why you

11:51

need to go to Anthony O'Neill.com for

11:53

a sas wealth builder. and

11:56

get this tool. It's $10. This is

11:58

not a sale. This is the cost

12:01

of it. This is not the cost

12:03

of it. And you've got to be

12:05

tracking what you're managing, what you have.

12:08

You've got to track what you're stewarding.

12:10

You've got to track the resources that

12:12

God is giving you. And I'm not

12:15

saying I've stopped going to sales. What

12:17

I have saying is, I can't tell

12:19

you the last time I went out

12:22

on Black Friday. Because

12:24

every time I went on Black

12:26

Friday, I ended up coming home

12:28

with things that I didn't even

12:31

need, and I really didn't even

12:33

want, but I was like, yo,

12:35

that is a crazy price, let

12:37

me get it. No, I stick

12:40

to my budget, I stick to

12:42

my wealth builder tool, and I'm

12:44

always thinking, what are the things

12:47

that I can do that's gonna

12:49

build me wealth and allow my

12:51

assets to buy things that are

12:53

own sales? I stopped giving money

12:56

to family and friends. Listen, we

12:58

all want to support and love

13:00

our family members. But it's essential

13:03

to set boundaries to protect our

13:05

financial well-being. I think it's according

13:07

to bank rate. 60% of Americans

13:09

have lent money to family or

13:12

friends. With over a third of

13:14

them never getting their money back.

13:16

paid in full. And I've been

13:19

there. I've loaned money to France.

13:21

Hey man, I'll pay you back

13:23

in 30 days. And it's three

13:25

years later. And I haven't gotten

13:28

a penny back. And for me,

13:30

it's not about I don't have

13:32

the money back. It's the fact

13:35

that you lied to me. And

13:37

I was upset with me more

13:39

than I was upset with them

13:41

because technically, we all know, can

13:44

we keep it a buck? How

13:46

much more time like that? How

13:48

much time I got in here?

13:51

How much? Y'all say y'all want

13:53

me to keep at 35 minutes.

13:55

Good, good, good, good. Can we

13:57

keep at a buck? When we

14:00

gave them the money, we knew

14:02

that we were giving them. the

14:04

money. Meaning, we're not getting that

14:06

money back. Meaning, they just said

14:09

what they had to say to

14:11

get the money, but if they're

14:13

hurting today, what really makes us

14:16

think they're going to be in

14:18

a better position but in the

14:20

next 30 days? By their next

14:22

paycheck, they're going to be in

14:25

the same position. And I had

14:27

to realize that because I love

14:29

you so much, I can't give

14:32

you money. Because I want our

14:34

relationship to work, I can't give

14:36

you money because you're not going

14:38

to pay me back. And money

14:41

breaks up relationships. I had to

14:43

forgive some of my family members

14:45

and friends for not paying me

14:48

back. Because money can ruin a

14:50

great relationship. And

14:52

if you tell that family member,

14:55

no, I can't give it the

14:57

money. If you tell that friend,

14:59

no, I can't give you any

15:01

money, and they get an attitude

15:03

and leave you alone, because they

15:05

say you got the money, that

15:07

was never really someone who loved

15:09

you in the first place. And

15:11

this is what I had to

15:14

do. is that I had to

15:16

prioritize my own financial goals for

15:18

myself and my future family and

15:20

politely decline my family's request for

15:22

financial assistance when it was necessary.

15:24

Because I do not want to

15:26

jeopardize my financial security and jeopardize

15:28

our relationship. And man, when I

15:31

stopped giving family members money, I

15:33

had so much. Peace, I can

15:35

go around my family and I'm

15:37

not looking at them saying, where

15:39

my money at man? You owe

15:41

me, you owe me $500. You

15:43

owe me $1,000. And here's the

15:45

truth, let me be real with

15:47

you. My family members sometimes when

15:50

they come to me, they know

15:52

I got the money for it.

15:54

But I tell them I can't

15:56

afford it. I can't afford to

15:58

give you the money because... I

16:00

can't afford to not invest that.

16:02

I can't afford for our relationship

16:04

to fall because of this. Now

16:06

watch this. Here's what I'm not

16:09

saying. I'm not saying your family

16:11

member is out there living on

16:13

the streets, living on the car,

16:15

and you can't go put them

16:17

in a hotel room. No, I'm

16:19

not saying a family member came

16:21

through a hard time, and you

16:23

know you can help them. No,

16:26

no, no. In those instances. I

16:28

don't loan money, I just give

16:30

it to them. Hey, listen, don't

16:32

tell me you're going to pay

16:34

it back. Don't do nothing. I'm

16:36

giving you this money. And if

16:38

that person decides to give it

16:40

back, that's fine. But I'm giving

16:42

this to you with the expectation

16:45

of nothing in return. So this

16:47

way, we are protected and we

16:49

are good. But none of my

16:51

family members are going to go

16:53

through a rough time that I

16:55

know they had no control over

16:57

and if I can help him

16:59

I'm gonna help him, but if

17:02

you come to me talking about

17:04

your brother Let me bar this

17:06

money so I can put a

17:08

down payment on the car. No

17:10

You brought me bar this money

17:12

so I can go to Africa

17:14

for two weeks. No Let me

17:16

bar this, but no No, I'm

17:18

not doing that I set a

17:21

strict budget I prioritize my saving

17:23

and my investing and make sure

17:25

that every dollar had a purpose

17:27

and an assignment to it. I

17:29

stopped spending on things that didn't

17:31

align with my goals and my

17:33

vision and started focusing on building

17:35

a solid financial future. So some

17:37

of y'all may be sitting here

17:40

thinking about Anthony, I hear you

17:42

man, I'm right there with you.

17:44

I want to build a financial

17:46

future seriously. I want to build

17:48

a business seriously. I want to

17:50

make sure that my children's children

17:52

have and know my name and

17:54

have money. I want to make

17:57

sure that my wife, that my

17:59

husband, whenever we get married, that

18:01

we are not a burden to

18:03

each other financially. How do we

18:05

do it, where do we start?

18:07

It is all comes from, let

18:09

me get my necklace out, I

18:11

don't know why I be doing

18:13

that, Lord Jesus, it all comes

18:16

from, you gotta earn. Well you

18:18

mean, earn, Anthony, I've talked about

18:20

this in my show, and I'm

18:22

gonna break down what this earned

18:24

mean, because if you're gonna really

18:26

take your financial future seriously, you

18:28

gotta earn. your future. How do

18:30

you earn your future? Let's break

18:32

it down. E stands for evaluate

18:35

where you are financially. I really

18:37

want you to take a hard

18:39

look at your current financial situation.

18:41

I want you to know exactly

18:43

where you are when it comes

18:45

with your money. Where is your

18:47

money going? How much debt do

18:49

you have? And what's your income?

18:52

Like what? do you have coming

18:54

in? How much debt do you

18:56

currently have? What kind of margin

18:58

between your income and your debt

19:00

do you have? What is that

19:02

breathing room? The reason why some

19:04

of you all cannot take your

19:06

financial future seriously, you cannot adjust

19:08

to your future, is because you

19:11

do not know what you're actually

19:13

doing well with your money. Do

19:15

you hear me? You do not

19:17

know, well, what you are actually

19:19

doing with your money. So this

19:21

is why you gotta start off

19:23

when it comes to earning more,

19:25

you gotta start off with evaluating

19:28

where you are financially currently, which

19:30

leaves me to the A. You

19:32

have to step back and arrange

19:34

the vision. You see, once you

19:36

understand where you are in... What

19:38

you're currently doing is time to

19:40

get clear on where you're going,

19:42

aka where you want. to be.

19:44

And you do this by setting

19:47

specific financial goals that align with

19:49

the life you desire. Whether that's

19:51

being dead free, but building a

19:53

certain level of savings or investing

19:55

like crazy into the future. You

19:57

know, this is where you and

19:59

your wife, you and your husband,

20:01

you and your partner sit down

20:03

and say, you know what Bay,

20:06

what do we want to do?

20:08

Like, where are we going? Y'all

20:10

has been a wild year in

20:12

the world of crypto. Prices are

20:14

moving, institutions are jumping in, and

20:16

even whole countries are getting involved.

20:18

If you've been watching from the

20:20

sidelines thinking, man, did I miss

20:23

my shot? Let me tell you

20:25

right now, you have not. Here's

20:27

why. You see, Bitcoin is built

20:29

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by my 45th birthday, I am

23:54

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25:20

going to make sure that I

25:22

experienced life with my wife. And

25:25

if we have a child, I'm

25:27

going to make sure that we

25:29

experience life with my child and

25:31

I expose my child to things

25:33

outside of America. Because when I

25:35

went to the Bible, when I

25:37

went to Italy and I'm on

25:40

this cruise and I'm saying, wow,

25:42

I was never exposed to this

25:44

growing up. People are really living

25:46

like this? I'm like, oh my

25:48

gosh. That's a part of the

25:50

vision. What do you want to

25:52

provide to your children? What do

25:55

you want to leave your... children's

25:57

children. What are some of the

25:59

experiences you want to experience? I

26:01

have five years to position myself

26:03

and the neatness network to a

26:05

place to where the company can

26:07

still move with me living out

26:10

of the country part-time to or

26:12

maybe I come back once a

26:14

quarter, I spend a week here

26:16

and we shoot all these shows,

26:18

but then I go back to

26:20

Dubai, I go back to a

26:22

different place and I live there

26:25

and I experience life there. But

26:28

once you evaluate where you

26:30

are, and then you arrange

26:32

the vision of where you

26:34

want to go, you can't

26:36

go there, watch this, without

26:38

rendering the strategy. Which is

26:40

an R. You have to

26:42

render the strategy. You see,

26:44

with your vision in place,

26:47

you've got to create a

26:49

strategy to get there. This

26:51

might involve, you know, setting

26:53

up a budget. automatically saving

26:55

and moving things to your

26:57

savings account automatically or finding

26:59

ways to increase your income.

27:01

The key is to have

27:03

a plan that guides your

27:05

financial decisions to where you

27:07

want to go. So already

27:09

I am saving setting money

27:11

aside for my business and

27:13

for me personally for the

27:15

next five years because I

27:17

know I need to move

27:19

somewhere. I need to find

27:21

a place in Dubai. And

27:23

watch this. I know that

27:25

that's happening in Dubai because

27:28

Dubai actually requires you to

27:30

pay your rent one year

27:32

in advance. It's not everybody,

27:34

but if I go to

27:36

Dubai, I gotta pay my

27:38

rent a year in advance.

27:40

So before I can move

27:42

there, I need to already

27:44

have my rent paid if

27:46

I'm going to rent something.

27:48

I don't know, but I'm

27:50

preparing for it and I'm

27:52

coming up with a strategy.

27:54

Now, once you evaluate where

27:56

you are, you arrange the

27:58

vision of where you want

28:00

to go. You come up

28:02

with a strategy that gets

28:04

you to that vision. Here's

28:07

where a lot of people

28:09

fall off. They'll get the

28:11

strategy, they'll get direction, they'll

28:13

get the plan, but they

28:15

will not act. And the

28:17

last part of earn is

28:19

now you have to act.

28:21

You can't afford to just

28:23

sit on your rear end.

28:25

You can't afford to sit

28:27

on the strategy in a

28:29

plan. You gotta take action.

28:31

You gotta start implementing your

28:33

strategy and make sure you're

28:35

consistently reviewing and adjusting it

28:37

as needed. The sooner you

28:39

act, the sooner we all

28:41

see results. You know, when

28:43

I started acting, not acting,

28:45

well, acting, right, when I

28:48

started acting on the plan

28:50

and the strategy. It

28:52

wasn't just about me making

28:54

more money. It was about

28:56

making sure that the money

28:59

actually worked for me. I

29:01

wanted to ensure that my

29:03

financial future was so secure

29:05

that I wasn't just making

29:07

money, but also building wealth.

29:09

You see, this shift in

29:12

my minds that allowed me

29:14

to move from just surviving

29:16

to truly thriving. And it's

29:18

something I encourage all of

29:20

you to do. And I'm

29:22

going to say this again,

29:25

this is something I encourage

29:27

all of us to do.

29:29

Because even at this level,

29:31

I have to continue growing

29:33

and evolving and looking at

29:35

my finances and adjusting my

29:38

plan and my strategy. Don't

29:40

let a high income fool

29:42

you into a false sense

29:44

of security. Just because you're

29:46

making $80,000, six figures, a

29:48

million dollars, do you know

29:51

how many millionaires I know

29:53

who personally make Seven plus

29:55

figures or more a year

29:57

and I'm still wealthier than

29:59

them. Y'all, my business does

30:01

well over seven figures. Anthony

30:04

O'Neill does not make seven.

30:06

figures. Anthony O'Neill, the human,

30:08

me, the person, hello. I

30:10

do not make seven figures

30:12

a year. My business does

30:14

not pay me seven figures

30:17

a year. But I know

30:19

celebrities who personally get a

30:21

check in their personal bank

30:23

account for seven figures a

30:25

year and I and some

30:27

of you are wealthier than

30:30

them. because they allow the

30:32

false sense of a high

30:34

income to fool them into

30:36

getting comfortable. When net worth

30:38

is about how last, how

30:40

long can you last without

30:43

a dollar coming in? Net

30:45

worth means if you stop

30:47

working today, how much capital,

30:49

how much cash do you

30:51

have access to to survive

30:53

without another dime coming in?

30:58

You have to take control

31:00

of your finances now, so

31:02

you're not left wondering where

31:04

all your money went too

31:07

later on. I stopped thinking

31:09

like everyone else. I stopped

31:11

thinking and processing like everyone

31:13

else. You see, when you

31:15

start making six figures, when

31:17

you start thinking of becoming

31:19

a net worth millionaire, it's

31:21

easy to get comfortable and

31:24

start thinking like everyone else

31:26

around you. But here's the

31:28

truth. If you want to

31:30

achieve something extraordinary, here's a

31:32

good at key word there,

31:34

extraordinary pause. Nothing extraordinary happens

31:36

inside of your comfort zone.

31:39

Let's suspend a little bit

31:41

more. Nothing extraordinary happens if

31:43

you think like everyone around

31:45

you. So if you want

31:47

to achieve something extraordinary, you

31:49

can't afford to think like

31:51

the average ordinary person. You

31:54

see the average ordinary person

31:56

trace time for money. And

31:58

their content, their content with

32:00

just getting by. But I

32:02

knew that if I wanted

32:04

to truly build wealth and

32:06

create a legacy and create

32:08

a business that was going

32:11

to impact lives, I had

32:13

to start thinking differently. The

32:15

first shift I made was

32:17

how I viewed time and

32:19

money. You see, most people

32:21

see time as something that

32:23

they have to spend to

32:26

earn more money. But I

32:28

started to see money as

32:30

a tool to buy back

32:32

some of my time. Instead

32:34

of working harder for every

32:36

dollar, I began to focus

32:38

on ways to make more

32:41

money and have my money

32:43

work harder for me. I

32:45

told that to my team

32:47

and myself here. I listen,

32:49

Anthony O'Neill owns this company.

32:51

You all are helping me

32:53

build an impact lives. So

32:55

the time off that you

32:58

have, and I'm very strategic

33:00

about making sure that I'm

33:02

not working too hard, I

33:04

want them to build something

33:06

on the side job. I

33:08

want them to build something

33:10

on the side job. I

33:13

want them to build something

33:15

on the side that they

33:17

100% own that their family

33:19

has ownership and they get

33:21

100% of the fruit of

33:23

that. So

33:26

that way they can invest

33:28

into assets that generates passive

33:30

income. I started investing in

33:32

passive income ideas, automating parts

33:34

of my business, and finding

33:36

ways to scale my effort

33:38

so I could do more

33:40

with less. I don't want...

33:42

Everybody's thinking, well shoot, I

33:44

better get two jobs. I

33:46

bet, and let me, let

33:48

me, let me, let me,

33:50

let me, let me, let

33:52

me make sure I'm saying

33:54

this correctly. I'm not saying

33:56

having two jobs is horrible.

33:58

No, if you're on your

34:01

journey of paying off your

34:03

debt and getting your savings

34:05

account up to where you

34:07

can be comfortable. Yes, working

34:09

two to three jobs to

34:11

get to that point is

34:13

wise. But once you're out

34:15

of debt and you have

34:17

a good cushion in your

34:19

savings account, I need you

34:21

to start looking at and

34:23

start thinking a little bit

34:25

differently. Instead of you having

34:27

two jobs and building two

34:29

other people's visions. Have one

34:31

job because I do believe

34:33

that God uses us. He

34:35

used me for 25 years

34:37

to serve in other people's

34:39

visions, which was great because

34:41

everything that I've learned there,

34:43

it implies now and is

34:45

helping me now. So I

34:47

value that time and you

34:49

should value that time as

34:51

well. But when you leave

34:53

that job, what are you

34:55

doing for your last name?

34:57

I had to change my

34:59

approach to growth. You see,

35:01

the average person is okay

35:04

with staying where they are,

35:06

stagnant and comfortable. But I

35:08

wanted more than just comfort.

35:10

I wanted to thrive. I

35:12

started surrounding myself with people

35:14

who challenged me, who held

35:16

me accountable, who were consistently

35:18

evolving and pushing their own

35:20

limits. I invested in

35:22

my education. Actually, I'm still investing

35:24

into my education. I attended seminary

35:27

and sought out mentors who were

35:29

where I wanted to be and

35:31

I still see them ahead of

35:34

me and continuing to evolve. If

35:36

you're not connected to individuals who

35:39

are better than you, if everyone

35:41

in your circle is on the

35:43

same level or less than you.

35:46

You have an ego problem. You

35:48

have a growth problem. You don't

35:50

want to grow. You want to

35:53

be the Hercules. You want to

35:55

be Jesus. You want to be

35:57

the God, the woman. No,

36:01

I want 33% of my

36:03

circle to be wiser, smarter,

36:06

wealthier than me. Then I

36:08

want 33% of my circle

36:11

to be on the same

36:13

level as I, and we're

36:16

all working, thriving, and holding

36:18

each other accountable. Then I

36:21

want the last 34% to

36:23

not be below me as

36:25

in a human being, but

36:28

they may not be where

36:30

I'm at business-wise. until my

36:33

mentors retire, settle, and then

36:35

boom, and vice versa. But

36:38

lastly, I stopped being content

36:40

with just surviving, and I

36:43

really want y'all to hear

36:45

me when I say this.

36:47

I wanted to thrive and

36:50

make a real impact. And

36:52

the average person is okay

36:55

with simply completing the task.

36:57

But I wanted to. inspire

37:00

others to build something that

37:02

would endure long after I'm

37:05

gone. The shift in mindset

37:07

transformed everything for me. You

37:09

see, this shift pushed me

37:12

to step into leadership roles,

37:14

take bold tasks, and risk,

37:17

and pursue opportunities that people

37:19

might avoid. The lesson here

37:22

is very simple you guys.

37:24

If you want extra ordinary

37:27

results, you can't afford to

37:29

think like everyone else. You

37:31

have to think bigger. You've

37:34

got to act smarter and

37:36

be willing to do what

37:39

others are not willing to

37:41

do. That's how you move

37:44

from average to exceptional. And

37:46

that's how you build lasting

37:49

wealth and a meaningful legacy.

37:51

Because these have been to

37:53

the last thing that I

37:56

stopped doing. I stopped spending

37:58

my money. on things that

38:01

did not bring me experience.

38:03

or benefit my future family.

38:06

You see, when you start

38:08

to earn six figures and

38:11

your net worth becomes this

38:13

millionaire, it's tempting to spend

38:15

money on flashy things that

38:18

show off your success. Luxury

38:20

cars, expensive gadgets, the latest

38:23

trends, partying. You know, I

38:25

just turned 40 back in

38:28

July. And

38:30

everyone's like, oh bro, it's

38:32

the 40th, man, you got

38:34

a party. You got to,

38:36

you got to do this,

38:38

you got to do that,

38:40

man, you got to bring

38:42

in some celebrities and, you

38:45

know, turn it up. And

38:47

I was like, do I?

38:49

I mean, yeah, I can

38:51

get a lot of celebrities

38:53

to come out. But why

38:55

spend $30,000, $20,000 on the

38:57

party? For one night. Ain't

38:59

nobody bring me no birthday

39:02

gift. Ain't nobody bringing me

39:04

no car, ain't nobody cutting

39:06

me no check? Why? Why?

39:08

And when I sat back,

39:10

I started thinking about it,

39:12

I was like, man, what

39:14

have you not done? That

39:16

you would never forget in

39:18

your life. That will bring

39:21

joy, bring peace to your

39:23

life. And it hit me.

39:27

I've never really toured the

39:29

country. I've been to some

39:31

nice places, but I've never

39:33

really toured the company. And

39:35

so I said for my

39:37

40th birthday, I'm gonna tour

39:40

the country. I'm gonna go

39:42

see the amazing things God

39:44

has done. And as I

39:46

was talking with some friends

39:48

and Googling on what to

39:50

do, I came across a

39:52

risk Carlton yacht cruise. And

39:57

I spent eight days. on a a private

39:59

yacht tour in the country. Because country. why? Spending

40:01

that you know me an Spending

40:03

that money brought me an

40:05

experience a lifestyle me to a

40:07

lifestyle and to certain people. I

40:09

will forever That I will forever

40:11

remember my life to it changed

40:13

my life, to to where now

40:16

I want to provide that

40:18

experience for my wife and

40:20

if I'm blessed to have

40:22

kids, watch this, this. I want

40:24

to provide that experience for

40:26

my kids. Do you know,

40:28

you know, on this, on this this the cheapest

40:30

room the cheapest room was

40:32

$20 ,000. That's the cheapest room.

40:34

this To be on this

40:36

cruise, you had to spend

40:38

at least $20 ,000 to be

40:40

on this boat. boat.