10 Money Rules to Build Wealth Like The Top 1%

Summary

Natalie Dawson breaks down the ten essential money rules followed by the top 1% to remain wealthy while others lag behind. From prioritizing financial literacy and personal investment to leveraging debt and negotiating like a pro, these rules are the blueprint for financial success. Dawson emphasizes the importance of focusing on financial priorities daily, using tools and relationships to navigate wealth, and understanding the difference between wants and needs. Whether it's measuring your money daily, sticking to one thing until financial freedom, or learning from the rich's relationship strategies, these insights are key to building significant wealth.

Highlights

• Natalie Dawson shares her multi-million dollar business strategies. 💰
• Daily bank account check-ins keep money on your mind. 👀
• Fearless decision-making with money is critical for wealth building. 💪
• Leverage debt to expand your financial opportunities, avoiding bad credit card debt. 🚀
• Stick to mastering one skill until you achieve substantial wealth before shifting focus. 🏆
• Cultivate strategic financial relationships like the rich. 🤝
• Invest in education as the ultimate pathway to financial independence. 🎓
• Master the art of negotiation to align perceived value and costs. 🛍️
• Understand how passive income enables luxury purchases guilt-free. 👜
• Ensure you're constantly striving, even with a safety net in place. 🛟

Key Takeaways

• Prioritize checking your bank account daily to focus on financial goals. 📈
• Be fearless and take immediate action to increase your income. 🔥
• Use debt wisely, differentiating between good and bad types. 💡
• Negotiate everything to play the money game like the rich. 🤝
• Focus on one thing until reaching a $10 million net worth before diversifying. 🎯
• Learn from the rich re: building relationships with bankers and accountants. 📚
• Invest in your education to enhance your financial literacy. 📖
• Adopt a rule for spending: if you can't buy it twice, don't buy it. 💰
• Maintain a balance between having an emergency fund and acting as if you don't. ⚖️
• Apply gamification to your money management mindset. 🎮

Overview

Natalie Dawson shares her top ten money rules centered around transforming one’s financial mindset to match that of the top 1%. By emphasizing regular engagement with finances, ruthless action-taking, and understanding the power of debt and negotiation, Dawson provides a clear pathway to wealth.

One of Dawson's core teachings is the focusing on building financial relationships. She underlines the magnitude of having the right supporters, from bankers and accountants to skilled educators, to guide financial decisions. This emphasis on relationship-building shows how wealthy people thrive on strategic partnerships.

Dawson also presents paradigm shifts like sticking to one core financial pursuit until it yields substantial returns, and managing expenses through strategic purchases and passive income generation. Her rules are a guide to maintaining a balance between methodical planning and ongoing self-improvement, ensuring long-term financial freedom.

Chapters

• 00:00 - 00:30: Introduction In the introduction, the author discusses how the top 1% adhere to 10 money rules that maintain their wealth, contrasting with the financial challenges faced by others. The author shares their own experience of running a multi-million dollar business using these rules. They emphasize the importance of changing one's financial mindset and the necessity of knowing these rules to level up financially. The first rule highlighted is the daily practice of logging into one's bank account instead of getting distracted by social media, emails, or even personal relationships, as a way to manage money effectively like the wealthy.
• 00:30 - 01:00: Money Rule 1: Ruin Yourself Daily The chapter emphasizes the importance of prioritizing and consistently monitoring one's finances. The author reflects on a time when they lacked financial literacy and didn't prioritize money. They stress that ignoring money is a sign that it isn't a priority. By giving regular attention to financial matters, improvement is inevitable. The chapter encourages setting a financial goal and consistently reminding oneself of this goal, suggesting that regular engagement with finances prompts positive change.
• 01:00 - 01:30: Money Rule 1: Checking Bank Accounts The chapter emphasizes the importance of regularly checking your bank account to stay informed about your financial status. It suggests that by integrating this practice into your daily routine, such as making it the first thing you do in the morning, you can maintain awareness of your spending and saving patterns. The habit of monitoring account changes daily can motivate you to make intentional financial decisions and pursue your money-making goals.
• 01:30 - 02:00: Money Rule 1: Being Intentional with Money The chapter titled 'Money Rule 1: Being Intentional with Money' discusses the importance of actively monitoring and managing one's finances. It emphasizes the principle that awareness and regular measurement of one's financial situation leads to improvement. The chapter introduces two fundamental money rules. The first rule stresses the necessity of being intentional and consistent in tracking finances as a pathway to better money management. The second rule encourages being bold and proactive with financial decisions, suggesting that taking immediate and decisive actions towards increasing income is crucial for financial growth. This involves moving beyond passive observation of one's bank account to actively identifying and executing actionable steps to improve financial outcomes within a short timeframe, such as the next 24 hours.
• 02:00 - 02:30: Money Rule 2: Be Fearless with Money Decisions Chapter 2 emphasizes the importance of being fearless in money decisions. It highlights the need for taking immediate and bold actions to increase one's income. By addressing fears and directly confronting financial situations, individuals can break through stagnation and avoid making the same income year after year. The chapter encourages actively seeking opportunities to grow valuable skills and initiate conversations that may lead to financial growth.
• 02:30 - 03:00: Money Rule 2: Taking Immediate Action The chapter titled 'Money Rule 2: Taking Immediate Action' emphasizes the importance of proactive steps towards increasing one's income. The key message is that action is a crucial component of financial control and wealth accumulation. It suggests that simply engaging with financial learning materials like videos or books is an initial step towards taking charge of one's economic status. The text highlights that the top 1% are an example of those who dedicate their daily schedules to activities aimed at maximizing income growth.
• 03:00 - 03:30: Money Rule 2: Continuous Improvement The chapter discusses the concept of continuous improvement in the pursuit of increasing monetary gain. It emphasizes the importance of optimization in every activity and decision, aiming for maximal efficiency and effectiveness. This includes mundane tasks like showering quickly to more strategic considerations like life organization, all focused on driving maximum value exchangeable for money. Moreover, the chapter stresses the utilization of available tools and systems, which is a common practice among wealthy individuals.
• 03:30 - 04:00: Money Rule 3: Use Financial Tools Debt can be beneficial if used correctly, specifically for wealth-building, and it's important to distinguish between 'good' debt and 'bad' debt. The rich utilize debt to generate more money, contrary to the common perception that all debt is negative. The key is to combine earned income with debt to acquire assets that might be unattainable with just your income, such as real estate investments. The focus should be on leveraging debt strategically rather than avoiding it entirely.
• 04:00 - 04:30: Money Rule 3: Understanding Debt This chapter focuses on understanding how debt can be a strategic tool for acquiring significant assets, such as real estate. It uses the example of purchasing a million-dollar home, where $200,000 of earned income is used as a down payment, and $800,000 is financed through debt. The chapter emphasizes the importance of increasing your earned income, moving from $200,000 to $400,000, which in turn, allows you to take on more debt for larger investments. The strategy highlighted is how wealthy individuals maximize their earned income to leverage debt effectively for bigger financial opportunities.
• 04:30 - 05:00: Money Rule 4: Shop Like the Rich The chapter titled 'Money Rule 4: Shop Like the Rich' explains the financial strategy of the wealthy, emphasizing the importance of understanding the difference between good debt and bad debt. The wealthy leverage higher earned incomes to access bigger deals and greater opportunities by acquiring more debt, which allows them to invest in lucrative opportunities. This cycle of earning, leveraging debt, and investing is something the top 1% understand well. The chapter suggests that increasing one's income involves recognizing and acting on this financial principle, and advises readers to educate themselves on differentiating between good and bad debt.
• 05:00 - 05:30: Money Rule 4: Negotiation Skills This chapter emphasizes the vital role of negotiation skills in achieving financial success. It points out that the wealthiest individuals view everything as negotiable, recognizing that prices are not fixed but rather constructed. It underscores the importance of conducting thorough research and due diligence when negotiating prices. For instance, when buying a car, it is wise to compare prices with 20 similar cars to ensure the best deal is obtained. Essentially, the chapter wants readers to adopt a negotiator's mindset in all buying situations.
• 05:30 - 06:00: Money Rule 5: Stick to One Thing Chapter 5 highlights the importance of changing one's mindset towards money by adopting the shopping habits of the wealthy. It emphasizes that prices are not fixed and can be negotiable if one understands the underlying value. The wealthy assess value differently and often influence the perceived value to others, suggesting a broader approach towards price perception and negotiation. The chapter encourages readers to challenge the established value set by retailers and discover where there may be opportunities to move prices.
• 06:00 - 06:30: Money Rule 5: Focus and Expertise Money is a fluid concept that can be manipulated, with wealthy individuals constantly engaging in this practice. The fifth money rule emphasizes focusing on one thing until financial prosperity is achieved. Unless you have a net worth of 10 million dollars, it's unwise to frequently change your earning strategy. While having multiple passions is admirable, it should not dictate a career built around numerous pursuits. Rather than juggling multiple endeavors, excel in one area to secure financial success.
• 06:30 - 07:00: Money Rule 6: Learn from the Rich The chapter emphasizes the importance of focusing and mastering one particular skill or business before diversifying into other areas. It advises readers to aim for a significant financial milestone, such as achieving a $10 million net worth or having a business generating $10 million annually, before considering learning new skills or starting new ventures. The example of a dentist is given to illustrate the need for concentration and growth in one area first, suggesting that one shouldn't start learning a new profession until the current one is significantly successful.
• 07:00 - 07:30: Money Rule 6: Importance of Relationships This chapter emphasizes the importance of focusing on one primary career or goal until financial stability is achieved. It criticizes the idea that being diversified in many pursuits is beneficial, suggesting it is more effective to perfect one skill or field to become known for it, especially when young. Once sizeable financial success is achieved, the chapter suggests one can then diversify and explore multiple interests. The analogy of being a great dentist before investing in real estate is used to illustrate the need for a stable foundation in one's primary field before venturing into other areas. The main lesson is to prioritize and intensify efforts on a single path until a significant financial milestone is reached.
• 07:30 - 08:00: Money Rule 7: Focus on Yourself In this chapter titled 'Money Rule 7: Focus on Yourself', the discussion revolves around the control one has over personal expertise and the importance of focusing on self-improvement. Furthermore, it introduces the concept that wealthy individuals approach relationships differently, especially when it comes to building and maintaining strategic connections. These connections include professionals such as lawyers, bankers, and accountants—people who possess a deep understanding of money and can provide guidance on the journey to wealth. Understanding the dynamics of these relationships is crucial for personal financial growth.
• 08:00 - 08:30: Money Rule 7: Reinvesting in Education The chapter emphasizes the importance of taking banking relationships seriously and seeking the best professionals for managing financial accounts. Wealthy individuals prioritize having experienced personnel overseeing their accounts, such as requesting the most senior person at the bank to handle their financial matters. The author reflects on their own experience of opening a college account that initially saved them a small amount of money annually, only to find themselves with hundreds of thousands of dollars in the same account without knowing their banker well. This highlights the need for proactive engagement with banking professionals as one's financial circumstances evolve.
• 08:30 - 09:00: Money Rule 8: Question Before Buying The chapter discusses the importance of questioning financial decisions, especially when it comes to choosing where to keep your money. The narrator shares their personal experience of initially banking with Chase, where they felt unprotected and uninformed about financial safeguards like FDIC insurance limits. They realized the importance of having a knowledgeable account manager who could align with their financial goals. This led them to move their money to JP Morgan for better financial guidance. The chapter emphasizes setting the right tone in financial relationships and the significance of asking the right questions to avoid missed opportunities.
• 09:00 - 09:30: Money Rule 8: Affordability and Passive Income Chapter 8 emphasizes the importance of taking control of your financial relationships, specifically with banks, to optimize returns. It encourages readers to proactively engage with their banking institution by asking for better investment options and expressing their financial ambitions. The chapter suggests being assertive when communicating with financial professionals to ensure they take your financial goals seriously.
• 09:30 - 10:00: Money Rule 9: Emergency Funds The chapter provides essential guidelines for personal finance management, focusing on maintaining a strong relationship with your bank by regularly visiting them, sending thank you and holiday cards, and generally investing in the relationship. It underscores the importance of self-investment by recommending that individuals focus on personal education and skill acquisition until they save $100,000.
• 10:00 - 10:30: Money Rule 9: Balancing Security and Investment This chapter emphasizes the importance of personal responsibility in achieving financial security and investment success. It dismisses the idea of overnight wealth through improbable means like magic or winning the lottery. Instead, it advocates for proactive learning and self-investment, specifically through education, as a means to financial growth, rather than indulging in non-essential luxuries.
• 10:30 - 11:00: Conclusion and Next Steps The chapter discusses the importance of taking control of one's financial future through self-investment. It highlights the difference between spending and investing money, emphasizing that investing in books, courses, and training is essential. The chapter suggests that with each investment, there should be an expectation of return, not only financially but also in terms of time and effort spent on learning and applying new knowledge.

10 Money Rules to Build Wealth Like The Top 1% Transcription

• 00:00 - 00:30 the top 1% follow 10 Money Rules that keep them Rich while everyone else stays broke I run a multi-million dollar business using these exact rules if you want to change how you think about money and level up financially you need to know these 10 rules my first rule of money is that you have to ruin yourself every single day you need to be doing this one thing if you want to manage your money like the top 1% log into your bank account instead of you diving into social media looking at your emails kissing on your significant other open
• 00:30 - 01:00 your bank account every single morning back when I didn't have very much money and I didn't have a lot of financial literacy I would not make money my priority and the way that you know that money is not your priority is if you never look at your money your money needs attention if you have attention on your money there is no possible way for it not to improve for you not to do something different when you are looking at your money consistently so when you wake up in the morning remind yourself that you have a financial goal if you want to make more money you wouldn't be watching this video if you didn't you
• 01:00 - 01:30 have to pay attention to how much money you have if you don't know this you aren't really taking your financial goals seriously when I wake up in the morning at 5:30 the first thing that I do is log into my bank account I open up the app type in my password maybe when I'm sophisticated my face works when it's like smashed against the pillow and my bank account opens and I remember I got to go make more money I'm looking at what increased yesterday what decreased and how can I make making money a intention you're never going to look at
• 01:30 - 02:00 your bank account I can promise you you're never going to make more money what you measure improves so start measuring your money daily my second rule of money is that you have to be Fearless with your money decisions taking immediate action with your money is the mindset change that will make you rich instead of just checking your bank account or being frustrated and overwhelmed potentially that you don't have the money that you want to have how are you taking action on this data what are you doing in the next 24-hour period to increase your income if you do not
• 02:00 - 02:30 have something that you are doing today where you are taking action right now to increase your income you're never going to increase your income you're get so overwhelmed every single time you look at your bank account that you're not going to do anything and you're going to wake up in 10 years from now be like I'm making the same money maybe there's a little bit of an adjustment for inflation but you never figured out the game of adding valuable skills because you took action today taking more action could sound like I'm going to go have a conversation with my boss in order to understand what I would need to do in
• 02:30 - 03:00 order to earn more money at my job the action that you take is directly tied to what is the next thing that has to happen in order for me to know how I make more money and just by initiating the conversation just by watching a video just by reading a book you are moving towards taking control of your financial situation but you just sitting there looking at it seeing it not understanding how you impact it it's going to keep you stuck the top 1% rearranged their entire days to be entirely focused on making more money that is what they do every day every
• 03:00 - 03:30 meeting that they take every call that they take every action that they take is geared towards optimizing their ability to make more money how quickly they take a shower what they think about when they're in the shower how is everything organized in their lives so that they can be as efficient as possible to impact the things that matter most of them which is how do I drive more value across the things that I'm responsible for to have that value be exchanged with me in money my third rule of money is to use the tools that the system has offered you because that's what the Rich
• 03:30 - 04:00 are doing debt is a beautiful thing as long as it's not credit card debt the rich use debt in order to make money if you have this thought process that the word debt is a bad thing it's because you are using debt incorrectly what you do is you take the money that you have that is your earned income and you add debt to your earned income to be able to buy something that you couldn't afford with just your earned income for instance with real state if you wanted
• 04:00 - 04:30 to buy a million home you would use $200,000 of your earned income and take on $800,000 of debt to get you access to a million doll deal so your goal should be to make your earned income as high as possible go from 200,000 to 400,000 which would allow you to get more debt to be able to take on bigger deals this whole process is how wealthy people think about their earned income they want to take as much money money that
• 04:30 - 05:00 they actually earn so that they have more access to bigger deals to Greater opportunities because they're able to get more debt due to having higher earned income and then they can go to the market and get a great investment that pays them this whole cycle is what the 1% understands that everybody else doesn't so if you don't currently understand the difference between good debt and bad debt go chat GPT it right now and that would be you taking action today to increase your income my fourth money rule is to shop like the rich
• 05:00 - 05:30 everything in life is a sale and a negotiation the wealthiest people that I know negotiate everything everything is up for negotiation they understand that price is entirely made up and so they negotiate everything and the way that they negotiate is they do research and they do due diligence and they understand if I'm about to buy this car I'm going to look at the 20 other cars that are like this so that I can actually negotiate the lowest price for the purchase of this car when I'm going to buy anything I'm going to think of myself as a negotiator now people who
• 05:30 - 06:00 are broke tend to think that prices are fixed and that they don't move but they do so if you want to start earning like the rich a mindset shift for you to make today is to start shopping like the rich because wealthy people use other reference points in order to make their point for why something has an established value in their mind and they sell everybody else on what their established value is the stores created value for something but as a customer if I find that the value is something different there might be room for us to to move that price so just remember
• 06:00 - 06:30 money is made up it isn't fixed it's something that you can play with and wealthy people constantly play with it my fifth money rule is to stick to one thing until you are so rich that it doesn't matter if you do not have a 10 million doll net worth you shouldn't be changing up your earning strategy I cannot stand this conversation about multi-passionate people it's cool that you're multi-passionate but that does not mean you create a career around being multi-passionate you don't do five things in your career get freaking good
• 06:30 - 07:00 like great at one thing and you know that you're great when you've created a business or created an opportunity where you're able to have a $10 million net worth until you've hit that Target do not start diversifying do not start thinking you have to learn new skills Groove in the one thing and make that your goal let's say you're a dentist until your dental practices are generating a $10 million a year in adjusted production and you likely have three locations you should not be starting to learn how to be a real
• 07:00 - 07:30 estate investor become a great dentist first one of the greatest lies people are told and that we somehow normalized is that diversity is a great thing it is a Croc of become known for one thing once you're known for that and you have money that you are able to blow doing other things and you're at a different phase of Life all of a sudden you can become multi-passionate and start doing a whole bunch of different things with your time until you're at $10 million keep the main thing the main thing especially when you're young you need to go all in on one thing because
• 07:30 - 08:00 that's what you can control and become an expert in that brings us to my sixth rule of money which is to learn from rich people's relationships this may be surprising but the wealthiest people actually view relationships differently than that of non-wealthy people some of the most important relationships that you will cultivate are relationships with lawyers with Bankers with accountants with people who understand money and who will guide you through this process process of becoming wealthy
• 08:00 - 08:30 so you need to start taking your banking relationships seriously wealthy people focus on finding only the best of the best people if a wealthy person walks into Chase Bank they want the most senior person on their account do you even know who's on your account at Chase Bank I know the first time I ever opened up a bank account it was during college and I opened a college account which saved me like $25 a year because it was a college account and all of a sudden I had hundreds of thousands of dollars in this account I didn't know who my banker
• 08:30 - 09:00 was none of it was protected I only had 250,000 protected if something did go wrong with the bank I just had no idea what was going on until I was introduced to a real account manager somebody who could actually help me with my financial targets and I moved away from Chase to go on over to JP Morgan because they were serious about my money goals but I set that tone I could have created a different outcome with that chase relationship earlier on I just didn't know how to do that when I was in college I didn't know what questions I should should be asking such as what
• 09:00 - 09:30 options do you have for me to put my money in do you have any additional ways for me to make a couple more basis points on the money that I have sitting in this bank they might look at you and just blink because they're not prepared for most people to ask these questions and you should tell them hey one day I'm going to be a really important person around here I want to make sure that I'm banking with the right person and that you're going to take me seriously cuz I take my financial goal seriously and if you currently have a banking relationship you should go in person you should meet that person and you should have this exact conversation with them make them take you seriously make them
• 09:30 - 10:00 walk you through what you don't know about banking with them you should be visiting them at least once a quarter sending them thank you cards and holiday cards and investing in the relationship next up is rule number seven which is to focus on you until you have $100,000 in your bank account you should be spending any extra money you have on reinvesting into your own education there is nothing more important than investing in yourself in order to get to where you want to go you have to gain skills that
• 10:00 - 10:30 are required to get there you are not going to wake up magically one day and have the money that you want without you learning more about money there is no Fairy Godmother who's just going to sprinkle wealth over you it is very unlikely that you're going to win the lottery so take control of the things that you can what you can control is your education and investing in yourself not on a spa day not really on a sweet treat I'm talking about investing in yourself through through education is
• 10:30 - 11:00 the only way that you can make sure that you take control of your financial future investing yourself means that you are investing your money in books courses and trainings I think of spending money differently than investing money in an investment I am expecting a return if I read a book I'm expecting that there's a return not just on the $112 I might have paid but the time that I invested in listening learning and applying that information you're watching this YouTube video right now you should be expecting that the
• 11:00 - 11:30 investment of your time in this video up until this point is giving you something that you can turn around and go do something with if I haven't taught you anything and you can't Implement what I'm talking about this would be a bad investment of your time so you have to differentiate what am I investing in versus what am I spending money on the eighth money rule is one of my favorites this is the one question you need to ask yourself before buying anything if you are spending your money on something that you know you don't need but you just want this is how you make those
• 11:30 - 12:00 spending decisions if you cannot buy it twice in cash and take your passive income to be able to afford it you cannot afford it and that's okay these are just rules to live by once you know what you can or can't afford all of a sudden you're like shoot I got to get back to work make more money because I want to go buy this thing it should feel that simple and it really should be that easy for you to start creating on your financial future let's say I go to the Chanel store they have lots of beautiful things that are very expensive and I
• 12:00 - 12:30 remember being shocked the first time that I looked at a price tag of a Chanel bag in the store in order to buy a Chanel bag you are at least spending $5,000 and I was a little down on myself thinking how on Earth am I going to be able to spend $5,000 well if I only had $8,000 do I now have enough money to spend on a Chanel bag well if I had to work through my income in order to get the $8,000 so I could spend $5,000 on the bag I do not have enough money to be able to afford this bag but if I had $10,000 I would be filling out one
• 12:30 - 13:00 criteria but if I'm using earned income to buy it then I still don't actually have the ability to afford it because I have to go work my tail off in order to have that money and then once I am able to buy two of them I still don't have enough money to truly afford this bag you need rules so this next rule is challenging but it is important and will give you Financial Security for the rest of your life passive income how much earned income would you need to have invested in order for it to spit off
• 13:00 - 13:30 passively $10,000 you would have to have $200,000 of income inside your bank account which means you likely generate $400,000 of income a year depending on your tax bracket 400k you get 200k in your bank account you invest 200k in some investment vehicle it spits off a 5% return meaning you now have $10,000 $10,000 of passive income would allow
• 13:30 - 14:00 you to buy a $5,000 bag that is when you know that you can afford the bag but until you can do that you can't afford the bag which means that you need to go learn how do I make more money so I can afford the bag it's a very simple equation my ninth money rule is classic money advice you should have an emergency fund this is fairly standard but some people don't really agree with this and my business partner is one of those people Grant Cardone is not a believer of emergency fund and it's one of the fun things that we kind of have this little bit of a disagreement about
• 14:00 - 14:30 his philosophy that I do understand is if you have an emergency fund you are not going to work as hard as if you didn't have the emergency fund if there's always a threat in the environment you're going to work your tail off because you have to there's no other choice when you start to build an emergency fund all of a sudden you start to get a little bit more comfortable you stop investing yourself the way that you once did so from a psychological standpoint I like the idea of not having an emergency fund but from a practical
• 14:30 - 15:00 standpoint being able to build up six months of cash reserves in your bank account or in your business is vital to know that you actually do have some level of Financial Security you shouldn't always be completely broke without any cash on hand to be able to pay for things like medical emergencies or crisis having those funds and having access to those funds is important and if there's ever an economic downturn having cash especially when nobody else has cash allows you access to deals that nobody else is going to have access to
• 15:00 - 15:30 so I am a believer of having 6 months of an emergency fund but pretending like you don't and if you can keep this balance of still working your tail off acting like you're broke even when you do have 6 months that is Magic you want to find a balance between saving for an emergency and investing in yourself and your future because if you use 6 months of your living expenses as your target you now can start getting clear as to how much money you need to make in order
• 15:30 - 16:00 to make that happen because if your living expenses are low that means you have more money to be able to invest if you make your living expenses High all of a sudden you have less to invest because you have to keep up with how much money you're spending on your living expenses living expenses low investment High the top 1% of rich people have gamified this mindset of money and that's what you're missing if you enjoyed Learning About The Money Rules of the top 1% check out my next video on money strategies to help you
• 16:00 - 16:30 become financially free