WEBVTT 00:00.531 --> 00:05.993 [SPEAKER_00]: Now, let me tell you the difference between people who build wealth and people who do not. 00:06.793 --> 00:11.255 [SPEAKER_00]: And it has nothing to do with how much money you actually make. 00:13.736 --> 00:14.776 [SPEAKER_00]: You're working. 00:15.356 --> 00:16.257 [SPEAKER_00]: You're paying your bills. 00:16.297 --> 00:19.678 [SPEAKER_00]: You might even be putting a little something away every single month. 00:19.758 --> 00:25.820 [SPEAKER_00]: But at the end of the month, every single month, you look at your account as something just doesn't add up. 00:27.510 --> 00:30.531 [SPEAKER_00]: You're doing everything you were told to do. 00:32.112 --> 00:32.772 [SPEAKER_00]: Get a good job. 00:33.472 --> 00:36.413 [SPEAKER_00]: Pay your bills on time and don't spend more than you make. 00:37.233 --> 00:40.274 [SPEAKER_00]: And this beyond is some of you all are still stuck. 00:41.255 --> 00:44.196 [SPEAKER_00]: You see, wealth feels like something that happens to other people. 00:44.676 --> 00:47.257 [SPEAKER_00]: People who got lucky and people who had the head start. 00:47.557 --> 00:53.199 [SPEAKER_00]: People who had somebody in their corner who showed them something you were never shown yourself. 00:54.456 --> 01:02.380 [SPEAKER_00]: And that's, and if that's you, I need you to stay right here to the end of today's episode, because it is for you specifically. 01:03.061 --> 01:05.862 [SPEAKER_00]: But before I get into the five differences, right? 01:06.403 --> 01:15.387 [SPEAKER_00]: And I'm going to give you all five, including the one that took me, it hit me. 01:16.448 --> 01:23.352 [SPEAKER_00]: I want to challenge you, or challenge something that you probably clicked on today's episode thinking. 01:24.250 --> 01:31.678 [SPEAKER_00]: that the problem is your paycheck, that the problem is the e-commerce, the problem is not even your debt just yet. 01:32.879 --> 01:41.409 [SPEAKER_00]: The problem is that you have been handed a definition of financial success that was never designed to make you wealthy. 01:43.691 --> 01:46.234 [SPEAKER_00]: It was designed to make you manageable. 01:47.500 --> 01:48.000 [SPEAKER_00]: Work hard. 01:49.261 --> 01:54.785 [SPEAKER_00]: Stay in your lane, buy the things that make you feel like you're winning, feel like you're winning. 01:55.585 --> 02:01.169 [SPEAKER_00]: And stay just comfortable enough to never ask the bigger and the most important questions. 02:02.030 --> 02:03.811 [SPEAKER_00]: That is the system. 02:04.071 --> 02:10.435 [SPEAKER_00]: And until you see it clearly, you will keep working hard and going absolutely not. 02:13.292 --> 02:15.694 [SPEAKER_00]: I remember sitting in my car. 02:15.714 --> 02:17.196 [SPEAKER_00]: I was in my mid-20s. 02:17.856 --> 02:19.718 [SPEAKER_00]: And I just got in a race at work. 02:19.758 --> 02:21.099 [SPEAKER_00]: And I'm talking about a real ways. 02:21.139 --> 02:23.561 [SPEAKER_00]: It was a kind that you call your mama, your daddy about. 02:24.222 --> 02:35.572 [SPEAKER_00]: And the truth of that is I honestly should have been celebrating, but instead, I was on the phone with my bank at that time, Bank of America, trying to figure out why I was overdrawn. 02:36.193 --> 02:38.014 [SPEAKER_00]: Again, about for the first time. 02:38.355 --> 02:38.775 [SPEAKER_00]: But again, 02:39.583 --> 02:43.625 [SPEAKER_00]: I had more money coming in than I ever had in my life. 02:43.705 --> 02:48.208 [SPEAKER_00]: And somehow, I had less than I ever had. 02:49.290 --> 02:51.492 [SPEAKER_00]: And in that moment, I didn't need a budget. 02:51.873 --> 02:53.454 [SPEAKER_00]: I didn't need to find an answer calculator. 02:53.734 --> 02:57.078 [SPEAKER_00]: I needed someone to sit across from me and tell me the dag on truth. 02:57.658 --> 03:02.704 [SPEAKER_00]: And the truth at that time was, I wasn't broke because I was bad with money. 03:03.124 --> 03:08.249 [SPEAKER_00]: I was broke because nobody had ever shown me what direction to point in. 03:08.710 --> 03:09.510 [SPEAKER_00]: The difference, 03:10.877 --> 03:11.317 [SPEAKER_00]: how to say this. 03:12.258 --> 03:13.199 [SPEAKER_00]: That is the difference. 03:13.899 --> 03:16.301 [SPEAKER_00]: And that's what we're going to be talking about today. 03:16.701 --> 03:19.483 [SPEAKER_00]: What direction should you be going in? 03:20.283 --> 03:34.792 [SPEAKER_00]: In today's episode, I'm going to walk you through five specific differences, not theories, not motivational fluff, the actual real practical differences between the people in your life who are quietly building wealth and the 03:39.983 --> 03:51.689 [SPEAKER_00]: And by the time the end of today's episode is done, you're going to be walking away and you're gonna understand which side you're on, but most importantly, you're going to know what to do about it. 03:52.489 --> 03:54.310 [SPEAKER_00]: I'm really, really excited about this show. 03:54.370 --> 03:57.152 [SPEAKER_00]: I really spent a lot of time putting this together. 03:57.592 --> 03:59.893 [SPEAKER_00]: So here's the difference number one. 04:00.493 --> 04:05.056 [SPEAKER_00]: Well, the builders don't just see what's in their account, they see what's possible. 04:06.182 --> 04:08.763 [SPEAKER_00]: All right, let me break this down a little bit. 04:09.363 --> 04:12.385 [SPEAKER_00]: Take two people, that same job, same salary, same city. 04:12.925 --> 04:15.926 [SPEAKER_00]: Five years later, one of them has started building wealth. 04:16.567 --> 04:17.547 [SPEAKER_00]: Real wealth, I would say. 04:18.087 --> 04:20.768 [SPEAKER_00]: Investment savings, maybe even a side business. 04:20.949 --> 04:26.151 [SPEAKER_00]: The other one is still living paycheck to paycheck, wondering where the money went. 04:26.251 --> 04:27.571 [SPEAKER_00]: So I got to ask this question now. 04:28.032 --> 04:28.932 [SPEAKER_00]: What is the difference? 04:30.193 --> 04:32.794 [SPEAKER_00]: One of them had a 10-year vision. 04:37.708 --> 04:43.270 [SPEAKER_00]: Wealth builders operate from a written specific detail financial vision. 04:43.970 --> 04:56.695 [SPEAKER_00]: They know what they want their life to look like in five years, ten years, twenty years, and every financial decision they make gets filtered through that specific vision. 04:57.712 --> 05:01.333 [SPEAKER_00]: Now, non-builders operate from fillings and reactions. 05:01.933 --> 05:04.653 [SPEAKER_00]: They spend base on how they feel today. 05:05.393 --> 05:07.774 [SPEAKER_00]: They save base on West Left Over. 05:08.194 --> 05:11.255 [SPEAKER_00]: They invest if they, well, how does it is? 05:11.575 --> 05:17.116 [SPEAKER_00]: They invest if they invest at all based on what someone told them at a cookout. 05:19.276 --> 05:20.196 [SPEAKER_00]: So I'm going to write this down. 05:20.236 --> 05:20.816 [SPEAKER_00]: I'm going to write this down. 05:21.136 --> 05:23.917 [SPEAKER_00]: You cannot build what you cannot see. 05:25.438 --> 05:29.041 [SPEAKER_00]: You cannot see what you have never been shown. 05:30.181 --> 05:32.003 [SPEAKER_00]: So let me ask you something real quick. 05:33.103 --> 05:36.086 [SPEAKER_00]: Right now, do you have a written financial vision? 05:36.786 --> 05:38.487 [SPEAKER_00]: Not a wish, not a big idea. 05:38.808 --> 05:43.591 [SPEAKER_00]: A written specific dated vision for what your financial life looks like. 05:44.532 --> 05:47.574 [SPEAKER_00]: And if that airs there is no, that's where we start. 05:48.174 --> 05:51.096 [SPEAKER_00]: Because a blank piece of paper is not a plan. 05:51.477 --> 05:53.298 [SPEAKER_00]: It's a prayer without direction. 05:54.803 --> 06:00.568 [SPEAKER_00]: and God honors faith with action, not just intentions. 06:02.590 --> 06:04.131 [SPEAKER_00]: I want, I want, I want, I sit right there. 06:05.172 --> 06:11.157 [SPEAKER_00]: God honors faith with action, not just intentions. 06:13.239 --> 06:16.322 [SPEAKER_00]: Which leads me over to difference number two. 06:17.963 --> 06:21.807 [SPEAKER_00]: Well, builders are intentional with every dollar before it even arrives. 06:22.732 --> 06:25.975 [SPEAKER_00]: Everyone else reacts to money after it's already gone. 06:27.095 --> 06:28.757 [SPEAKER_00]: Now, no, some of you were thinking, A.O. 06:29.337 --> 06:31.719 [SPEAKER_00]: Yo, I got the end of black app, which is a budget. 06:32.179 --> 06:33.941 [SPEAKER_00]: I tracked my spending inside of the app. 06:35.342 --> 06:36.703 [SPEAKER_00]: But let me, let me challenge that. 06:38.570 --> 06:41.872 [SPEAKER_00]: A budget you made after the money left is not a plan. 06:42.772 --> 06:43.792 [SPEAKER_00]: That is a report card. 06:44.313 --> 06:47.194 [SPEAKER_00]: And the report card tells you what already happened. 06:47.794 --> 06:49.915 [SPEAKER_00]: It doesn't change what's coming. 06:50.956 --> 07:03.842 [SPEAKER_00]: You see, wealth builders, if every single dollar a job before the month begins, before the direct deposit hits, before the bills come due, before the temptation even shows up. 07:04.782 --> 07:11.446 [SPEAKER_00]: I remember the first time I actually sat down and told my money where to go before it arrived, not after, but before. 07:12.647 --> 07:14.107 [SPEAKER_00]: It felt so uncomfortable. 07:14.708 --> 07:15.828 [SPEAKER_00]: It felt restrictive. 07:16.149 --> 07:22.532 [SPEAKER_00]: It felt like I was putting myself in a freaking box and then something shifted, something happened. 07:23.573 --> 07:27.635 [SPEAKER_00]: For the very first time in my adult life, I felt free. 07:28.659 --> 07:33.221 [SPEAKER_00]: Because when your money has direction, you stop making emotional decisions. 07:33.601 --> 07:36.582 [SPEAKER_00]: You stop swiping the car because you feel like you deserve it. 07:37.002 --> 07:41.264 [SPEAKER_00]: You stop saying, yes, to things that are pulling you away from your vision. 07:42.884 --> 07:44.725 [SPEAKER_00]: But reactive, let's go there. 07:45.625 --> 07:47.666 [SPEAKER_00]: Reactive people, they manage money. 07:49.046 --> 07:51.987 [SPEAKER_00]: Intentional people, multiply money. 07:53.808 --> 07:56.429 [SPEAKER_00]: Those are two completely different games. 07:58.812 --> 08:04.218 [SPEAKER_00]: I gotta ask you, are you intentional or are you reactive? 08:06.020 --> 08:06.841 [SPEAKER_00]: Difference number three. 08:07.903 --> 08:10.325 [SPEAKER_00]: And this is the one people get defensive about. 08:10.345 --> 08:12.428 [SPEAKER_00]: So I'm gonna apologize up front. 08:13.810 --> 08:18.553 [SPEAKER_00]: Who you're around is either accelerating your wealth or quietly killing it. 08:19.533 --> 08:22.895 [SPEAKER_00]: Now, before you shut off today's episode, I need you to hear me up, hear me out, hear me out. 08:23.536 --> 08:23.816 [SPEAKER_00]: Okay? 08:24.216 --> 08:26.097 [SPEAKER_00]: If you don't like this, and you can unsubscribe. 08:26.978 --> 08:29.579 [SPEAKER_00]: I'm not telling you to abandon anybody. 08:30.039 --> 08:32.201 [SPEAKER_00]: I'm not telling you to leave your community. 08:32.281 --> 08:39.445 [SPEAKER_00]: I'm not even telling you to act like you're better than where you came from, but I am telling you something very specific. 08:41.383 --> 08:46.187 [SPEAKER_00]: If everyone in your closest circle is broke and comfortable with it, you will be too. 08:47.107 --> 08:50.970 [SPEAKER_00]: Not because you're weak, but because you're human, let's be real. 08:52.271 --> 08:56.034 [SPEAKER_00]: We are wired to normalize what we're surrounded by. 08:57.515 --> 09:09.644 [SPEAKER_00]: If everyone around you is financing cars that they cannot afford, taking vacations on credit cars and talking about money like it's something that just happens to you, that becomes 09:11.232 --> 09:18.463 [SPEAKER_00]: And you will make decisions that protect that normal even when those decisions are costing you your financial future. 09:20.054 --> 09:22.916 [SPEAKER_00]: Well, the builders are intentional about their environments. 09:23.617 --> 09:26.039 [SPEAKER_00]: They find people who are doing what they want to do. 09:26.339 --> 09:29.481 [SPEAKER_00]: They get in the rooms where the conversation is just different. 09:29.881 --> 09:37.787 [SPEAKER_00]: They invest in mentorships, and community, and proximity to people who have already crossed the line they're trying to cross. 09:38.568 --> 09:43.792 [SPEAKER_00]: Your network trends towards the average of your five closest friends. 09:45.533 --> 09:46.294 [SPEAKER_00]: I want to say it one more time. 09:48.343 --> 09:54.064 [SPEAKER_00]: Your network is depending on the five people in your circle. 09:54.664 --> 09:59.546 [SPEAKER_00]: So the question isn't whether your friends are good people, because I'm sure they are, right? 10:00.066 --> 10:02.306 [SPEAKER_00]: The question should be, are they building? 10:02.806 --> 10:06.667 [SPEAKER_00]: And if they're not, who else are you in relationship with? 10:07.687 --> 10:08.608 [SPEAKER_00]: Who are building? 10:10.368 --> 10:17.132 [SPEAKER_00]: I want you to write, it's better if I pause this video and I want you to write down your top five friends. 10:17.972 --> 10:21.574 [SPEAKER_00]: And next to them, I want you to ask this question, not not ask this question. 10:22.074 --> 10:27.477 [SPEAKER_00]: Once you write down the five names, write next to them, put building or not building. 10:30.366 --> 10:36.253 [SPEAKER_00]: Did you know that nearly 4 in 10 Americans still have zero money invested in the stock market? 10:36.973 --> 10:40.117 [SPEAKER_00]: That's a gap where wealth is built or missed. 10:40.817 --> 10:51.549 [SPEAKER_00]: If you're just saving, you're falling behind because the market's average close to about a 10% a year for a century while your savings account is barely keeping up with inflation. 10:52.049 --> 10:52.850 [SPEAKER_00]: I want to make this play. 10:53.010 --> 10:59.676 [SPEAKER_00]: If you wait just five years since starting investing, you could lose out on hundreds of thousands of dollars in the future wealth. 10:59.856 --> 11:01.337 [SPEAKER_00]: That's not hype, that's real math. 11:01.438 --> 11:09.365 [SPEAKER_00]: The wealthiest 10% of Americans now own over 90% of all sides because they started and they stayed consistent. 11:09.705 --> 11:14.267 [SPEAKER_00]: But here's the thing, you don't need to be rich to honestly get inside of the investing game. 11:14.487 --> 11:19.689 [SPEAKER_00]: With platforms like SoFi and Best Public and Moomu, you can open an account today. 11:19.869 --> 11:27.232 [SPEAKER_00]: Start with as little as $1 literally and buy fractional shares of the same assets that have built generational wealth for millions. 11:27.492 --> 11:30.574 [SPEAKER_00]: No commissions, 100% no excuses on your in. 11:30.634 --> 11:32.494 [SPEAKER_00]: Listen, I need you to hear me clearly. 11:32.694 --> 11:34.095 [SPEAKER_00]: Stop sitting on the sidelines. 11:34.275 --> 11:42.402 [SPEAKER_00]: Go to amphonyonio.com for session vests right now to compare the top investing platforms and open your first investing account today. 11:42.643 --> 11:47.527 [SPEAKER_00]: Your future self and your children's chosen will thank you for taking action right now. 11:48.168 --> 11:52.672 [SPEAKER_00]: We have to start building wealth, not just watching others get rich. 11:53.512 --> 11:55.613 [SPEAKER_00]: Do not let another year go by. 11:55.793 --> 11:57.734 [SPEAKER_00]: As a matter of fact, don't let another day go by. 11:58.254 --> 11:59.274 [SPEAKER_00]: Take the first step, family. 11:59.694 --> 12:02.295 [SPEAKER_00]: Visit anthonyonil.com for Sasha Invest. 12:02.876 --> 12:03.536 [SPEAKER_00]: Let's get to work. 12:03.776 --> 12:05.537 [SPEAKER_00]: Let's start investing ASAP. 12:06.037 --> 12:06.917 [SPEAKER_00]: Let's get back to the show. 12:07.837 --> 12:08.238 [SPEAKER_00]: Difference. 12:09.578 --> 12:10.098 [SPEAKER_00]: Number four. 12:11.119 --> 12:15.120 [SPEAKER_00]: And this one is, you know, this one is personal to me. 12:15.921 --> 12:19.202 [SPEAKER_00]: You see, wealth builders make decisions from faith. 12:20.292 --> 12:22.874 [SPEAKER_00]: everyone else makes decisions from fear. 12:23.635 --> 12:27.838 [SPEAKER_00]: Now, fear based financial decisions don't look like fear. 12:28.418 --> 12:29.019 [SPEAKER_00]: That's a trick. 12:29.559 --> 12:30.520 [SPEAKER_00]: They look responsible. 12:30.780 --> 12:31.501 [SPEAKER_00]: They feel safe. 12:32.241 --> 12:33.302 [SPEAKER_00]: They sound reasonable. 12:34.143 --> 12:35.244 [SPEAKER_00]: I can't invest right now. 12:35.724 --> 12:36.745 [SPEAKER_00]: What if the market drops? 12:37.445 --> 12:38.486 [SPEAKER_00]: I can't start a business. 12:38.806 --> 12:40.087 [SPEAKER_00]: What if the business fails? 12:40.688 --> 12:41.789 [SPEAKER_00]: I can't leave this job. 12:42.169 --> 12:44.531 [SPEAKER_00]: What if I can't find another one with good benefits? 12:45.842 --> 12:50.743 [SPEAKER_00]: Listen to me fam, that's not wisdom, that's fear wearing a suit. 12:52.156 --> 12:56.319 [SPEAKER_00]: and fear will keep you small every single time. 12:57.761 --> 13:04.806 [SPEAKER_00]: I made a few, I was saying, I made a decision a few years ago that looked absolutely crazy from the outside. 13:05.867 --> 13:10.631 [SPEAKER_00]: I walked away from a guaranteed income stream to bet on what God had put inside of me. 13:11.492 --> 13:14.254 [SPEAKER_00]: People thought I had lost my everlasting heart. 13:14.274 --> 13:16.496 [SPEAKER_00]: Can you walk away from a multiple six-figure job? 13:16.516 --> 13:17.897 [SPEAKER_00]: You was flying on private jets 13:21.480 --> 13:34.735 [SPEAKER_00]: not dying, but every single time, but I had done the work, I had the vision, I had the plan, I had the strategy, and I had the faith to move when God said move. 13:36.034 --> 13:40.678 [SPEAKER_00]: And what came out of that decision changed the trajectory of my entire life. 13:41.018 --> 13:44.221 [SPEAKER_00]: It changed the trajectory of my future family's life. 13:45.542 --> 13:50.186 [SPEAKER_00]: Now I'm not telling you to be reckless because faith is not reckless. 13:50.767 --> 13:52.308 [SPEAKER_00]: Faith is calculated trust. 13:52.808 --> 13:59.434 [SPEAKER_00]: It's doing a work building a plan and then moving forward even when you can't see the whole staircase. 14:05.835 --> 14:09.499 [SPEAKER_00]: So why would you let fear run your finances? 14:11.220 --> 14:14.043 [SPEAKER_00]: Well, the builders take risk. 14:15.645 --> 14:23.993 [SPEAKER_00]: A smart calculator, vision aligned risk, and they do it because they trust something bigger than their actual bank account. 14:27.516 --> 14:28.097 [SPEAKER_00]: Are you trust? 14:31.383 --> 14:34.785 [SPEAKER_00]: Family, can I be real with you for a quick second before we get into today's episode? 14:34.945 --> 14:37.887 [SPEAKER_00]: Let's be honest, gas just hit over $5 a gallon. 14:39.628 --> 14:43.891 [SPEAKER_00]: Ground beef is over $6 a pound. 14:44.332 --> 14:49.415 [SPEAKER_00]: Home prices are up almost 70 to 80 percent in some cities. 14:49.795 --> 14:57.220 [SPEAKER_00]: In almost 870 people, this year alone have lost their jobs every single day. 14:57.600 --> 15:08.256 [SPEAKER_00]: If you feel like you're working harder than you ever have and still fall in behind, be honest with you, you are not crazy and you are not fell in, but the system I have to be honest is broken. 15:08.416 --> 15:10.379 [SPEAKER_00]: You are not the person who was broken. 15:10.539 --> 15:12.402 [SPEAKER_00]: I need you to listen to me real quick. 15:12.562 --> 15:16.205 [SPEAKER_00]: I honestly do not come from a financially wealthy family. 15:16.405 --> 15:30.436 [SPEAKER_00]: I come from a hardworking Christian bonafide family, and I firmly, I firmly do believe everyone watching this works hard to, but hard work without a proven plan does not get us anywhere anymore. 15:30.736 --> 15:34.439 [SPEAKER_00]: This is why I have spent the last five years building this plan. 15:34.679 --> 15:38.482 [SPEAKER_00]: This is my brand new book, Stop Living Pachea to Pachea. 15:38.662 --> 15:43.945 [SPEAKER_00]: This is the system I wish I had when I was falling behind in life and living paycheck to paycheck. 15:44.025 --> 15:44.365 [SPEAKER_00]: Why? 15:44.605 --> 15:49.928 [SPEAKER_00]: Because it works, no matter what is happening in this economy, no matter what is going on in your life. 15:49.988 --> 15:54.170 [SPEAKER_00]: Because this is not just a money book, this is a freedom book. 15:54.610 --> 16:02.453 [SPEAKER_00]: I need you to pre-order today and get over $275 and free bonuses, but you have to act for August 20. 16:02.473 --> 16:07.115 [SPEAKER_00]: Listen, all you're going to do is go to anthonyoneo.com forward slash book. 16:07.435 --> 16:09.916 [SPEAKER_00]: Again, that is anthonyoneo.com forward slash book. 16:10.476 --> 16:12.957 [SPEAKER_00]: The link is right below and it's in show description. 16:13.637 --> 16:17.419 [SPEAKER_00]: But I want to help everyone, all of my family members, get free together. 16:17.979 --> 16:20.060 [SPEAKER_00]: Go to anthonyoneo.com forward slash book. 16:20.860 --> 16:22.180 [SPEAKER_00]: Let's get back into today's show. 16:24.778 --> 16:25.738 [SPEAKER_00]: difference number five. 16:26.498 --> 16:32.380 [SPEAKER_00]: I saved this one for last because it is the hardest truth in today's episode. 16:33.800 --> 16:38.441 [SPEAKER_00]: The single biggest difference between people who build wealth and people who don't is this. 16:42.042 --> 16:46.403 [SPEAKER_00]: Well, builders are building for someone they haven't met yet. 16:49.024 --> 16:50.604 [SPEAKER_00]: I'm gonna say that one more time. 16:53.063 --> 16:59.088 [SPEAKER_00]: Welled builders are building for someone they have not met yet and possibly would never meet. 17:00.629 --> 17:03.411 [SPEAKER_00]: Most of us were taught to earn, spend, and enjoy. 17:04.072 --> 17:06.653 [SPEAKER_00]: Work hard, treat yourself, live your best life. 17:07.454 --> 17:13.459 [SPEAKER_00]: Nobody sit down and say, what you build today could change the next three generations in your bloodline. 17:15.560 --> 17:17.742 [SPEAKER_00]: I love my parents, but they never told me that. 17:19.436 --> 17:23.659 [SPEAKER_00]: And so we make lifestyle decisions when we should be making legacy decisions. 17:25.040 --> 17:29.063 [SPEAKER_00]: Lifestyle, thinking, ask, what can I afford right now? 17:30.324 --> 17:33.607 [SPEAKER_00]: Legacy thinking, ask, what am I leaving behind? 17:36.329 --> 17:40.572 [SPEAKER_00]: Lifestyle, thinking, buys the car that impresses people. 17:41.553 --> 17:46.657 [SPEAKER_00]: Legacy thinking buys the asset that builds equity for five generations down. 17:48.872 --> 17:51.576 [SPEAKER_00]: lifestyle thinking spends the tax return. 17:52.557 --> 17:56.042 [SPEAKER_00]: Legacy thinking doesn't even have a tax return. 17:58.185 --> 18:01.750 [SPEAKER_00]: And I want to speak directly to my Black brothers and sisters for a quick moment. 18:03.615 --> 18:07.356 [SPEAKER_00]: We come from people who were legally prevented from building wealth. 18:08.196 --> 18:20.879 [SPEAKER_00]: Redlining, discriminatory lending, generational system designed to keep wealth out of our hands, our grandparents and great-grandparents were just as hard, possibly even harder, and had the door slammed in their face. 18:23.360 --> 18:27.661 [SPEAKER_00]: Respectless saying is, we don't have that same excuse anymore. 18:28.801 --> 18:29.781 [SPEAKER_00]: The door is open. 18:34.125 --> 18:39.089 [SPEAKER_00]: But we have some tools now, because the information is available. 18:39.810 --> 18:47.516 [SPEAKER_00]: And the most powerful thing we can do to honor the sacrifice of the people who came before us is to build something that outlives us. 18:48.557 --> 18:51.799 [SPEAKER_00]: Because they thought they would do hails so we could live. 18:53.641 --> 18:54.821 [SPEAKER_00]: Proverbs at the 13 verse 22 says, 19:00.298 --> 19:05.281 [SPEAKER_00]: So that to me is not a suggestion that it's the standard that every man should have. 19:06.361 --> 19:16.047 [SPEAKER_00]: And we have to get to a point to where we stop building a lifestyle and we start building a legacy while enjoying the lifestyle we have. 19:22.551 --> 19:24.952 [SPEAKER_00]: So now that we have these five differences. 19:27.218 --> 19:32.082 [SPEAKER_00]: I want you to do something right now, not later, but right now. 19:33.103 --> 19:37.507 [SPEAKER_00]: I want you to be honest with yourself, but not with me, with yourself. 19:38.748 --> 19:40.349 [SPEAKER_00]: Don't even put this in a comment section. 19:40.369 --> 19:43.232 [SPEAKER_00]: I want you to ask yourself these five questions. 19:43.932 --> 19:45.214 [SPEAKER_00]: Write these down number one. 19:46.214 --> 19:49.277 [SPEAKER_00]: Do I have a written financial vision for my life? 19:51.092 --> 19:58.815 [SPEAKER_00]: Number two, am I intentional with my money before it arrives or am I reacting after is gone? 20:00.176 --> 20:05.858 [SPEAKER_00]: Number three, does my environment support the wealth I say I want to build? 20:07.158 --> 20:11.900 [SPEAKER_00]: In number four, is our my financial decisions driven by faith or by fear? 20:12.100 --> 20:15.742 [SPEAKER_00]: And the last one, number five, am I building a legacy? 20:17.522 --> 20:18.903 [SPEAKER_00]: Where am I funding a lifestyle? 20:21.970 --> 20:22.450 [SPEAKER_00]: Here's a truth. 20:23.310 --> 20:25.511 [SPEAKER_00]: I don't want you to have it all figured out, because you won't. 20:27.072 --> 20:28.672 [SPEAKER_00]: You don't have to be perfect. 20:29.172 --> 20:32.033 [SPEAKER_00]: You just have to be honest about where you are today. 20:33.233 --> 20:40.096 [SPEAKER_00]: Because you cannot fix what you refuse to face and the fact that you're still watching this video tells me something about you. 20:40.476 --> 20:41.696 [SPEAKER_00]: It tells me your series. 20:41.996 --> 20:43.137 [SPEAKER_00]: It tells me you're ready. 20:43.417 --> 20:50.719 [SPEAKER_00]: It tells me that something in you knows there is absolutely more and you're not willing to settle for less. 20:54.778 --> 21:00.183 [SPEAKER_00]: So let me leave you with this, and I hope I got this video down about 25 minutes. 21:00.203 --> 21:04.847 [SPEAKER_00]: That's my goal, but I need you to hear me clearly before we end today's episode. 21:06.148 --> 21:07.369 [SPEAKER_00]: You are not behind. 21:09.771 --> 21:11.713 [SPEAKER_00]: You are not broken. 21:14.615 --> 21:17.238 [SPEAKER_00]: Some of you are may feel like you're late, but can I be honest with you? 21:17.598 --> 21:18.579 [SPEAKER_00]: Can I be vulnerable with you? 21:19.079 --> 21:19.700 [SPEAKER_00]: You're not late. 21:22.627 --> 21:28.430 [SPEAKER_00]: Some of you all, a lot of you are just been misdirected, and today right now, that has to change. 21:29.930 --> 21:36.573 [SPEAKER_00]: The difference between people who build well, and people who don't, is not palette. 21:37.114 --> 21:37.934 [SPEAKER_00]: It's not luck. 21:38.474 --> 21:39.595 [SPEAKER_00]: It's not even ankle. 21:40.835 --> 21:58.007 [SPEAKER_00]: it's a decision, a decision to see further than today, to be intentional before the money arrives, to build an environment that pulls you forward, to move from faith instead of fear, to build something that outlives you. 21:58.807 --> 22:01.529 [SPEAKER_00]: The decision is available to you right now. 22:12.412 --> 22:15.236 [SPEAKER_00]: All we got to do is just go get it. 22:17.779 --> 22:23.407 [SPEAKER_00]: If this episode today hit home for you, I want you to do three things for me. 22:25.309 --> 22:30.096 [SPEAKER_00]: First, drop a comment below and tell me which of the five differences hit you the hardest. 22:31.373 --> 22:33.236 [SPEAKER_00]: I'm going to be reading every single one of these today. 22:33.716 --> 22:38.523 [SPEAKER_00]: Second, share this video with somebody in your life who needs to hear it. 22:39.304 --> 22:42.088 [SPEAKER_00]: You might be the reason they change their direction today. 22:43.450 --> 22:44.632 [SPEAKER_00]: And the third, the last thing. 22:49.281 --> 22:54.726 [SPEAKER_00]: Subscribe, because the next video is going to show you exactly how to build that financial vision I talked about. 22:55.106 --> 22:59.149 [SPEAKER_00]: Step by step from scratch, no matter where you're starting from. 22:59.169 --> 23:01.391 [SPEAKER_00]: All right, I'll see you in the next episode. 23:02.052 --> 23:02.412 [SPEAKER_00]: Peace out.