Dr. Brad Klontz

When a dollar comes into your life, you save and invest a percentage of that for your financial freedom. And so I've run the numbers on this too. $5 a day. invested at average market returns, so you don't even have to do anything crazy with investing, is a million dollars in just 42 years. And I say just 42 years, and I know you're saying, 42 years, that's forever.

When a dollar comes into your life, you save and invest a percentage of that for your financial freedom. And so I've run the numbers on this too. $5 a day. invested at average market returns, so you don't even have to do anything crazy with investing, is a million dollars in just 42 years. And I say just 42 years, and I know you're saying, 42 years, that's forever.

And so I always say, well, then invest $6 a day. Get there faster. And obviously you want to level up. But I truly believe that everyone could absolutely be a millionaire just by doing that. That's how the math works. But to your other point, let's say that you're making $100,000 and you really want to make a million a year, right? And so how do you do that?

And so I always say, well, then invest $6 a day. Get there faster. And obviously you want to level up. But I truly believe that everyone could absolutely be a millionaire just by doing that. That's how the math works. But to your other point, let's say that you're making $100,000 and you really want to make a million a year, right? And so how do you do that?

And so I always say, well, then invest $6 a day. Get there faster. And obviously you want to level up. But I truly believe that everyone could absolutely be a millionaire just by doing that. That's how the math works. But to your other point, let's say that you're making $100,000 and you really want to make a million a year, right? And so how do you do that?

Well, as Adrian said, are you playing the right game? Because you might not be playing the right game. And you might say, well, how do I play that new game? Well, this is where you have to look at almost going to another tribe. Okay, so now I'm back to my tribal metaphor here. So I grew up in a lower income tribe and we all did things a certain way. Nobody had a 401k. Nobody was doing that.

Well, as Adrian said, are you playing the right game? Because you might not be playing the right game. And you might say, well, how do I play that new game? Well, this is where you have to look at almost going to another tribe. Okay, so now I'm back to my tribal metaphor here. So I grew up in a lower income tribe and we all did things a certain way. Nobody had a 401k. Nobody was doing that.

Well, as Adrian said, are you playing the right game? Because you might not be playing the right game. And you might say, well, how do I play that new game? Well, this is where you have to look at almost going to another tribe. Okay, so now I'm back to my tribal metaphor here. So I grew up in a lower income tribe and we all did things a certain way. Nobody had a 401k. Nobody was doing that.

And you know, money comes into your life, you spend it. Not on lavish things, whatever, it's gone. That was my tribe. When I wanted to become a millionaire, I had to learn, it was almost like going to a new country. It's like, these people trust the stock market. Are you kidding me? Isn't that a bunch of greedy bankers taking all our money, keeping us poor people suppressed for my entire family?

And you know, money comes into your life, you spend it. Not on lavish things, whatever, it's gone. That was my tribe. When I wanted to become a millionaire, I had to learn, it was almost like going to a new country. It's like, these people trust the stock market. Are you kidding me? Isn't that a bunch of greedy bankers taking all our money, keeping us poor people suppressed for my entire family?

And you know, money comes into your life, you spend it. Not on lavish things, whatever, it's gone. That was my tribe. When I wanted to become a millionaire, I had to learn, it was almost like going to a new country. It's like, these people trust the stock market. Are you kidding me? Isn't that a bunch of greedy bankers taking all our money, keeping us poor people suppressed for my entire family?

I have to put my trust into them. Well, guess what? That's what rich people do. Rich people have financial advisors. They have CPAs. And you have to overcome all these mental blocks because it's like this tribe is doing things very, very differently. And so that's what I think you need to do is keep looking for, well, what is that tribe that's making a million a year? What are they doing?

I have to put my trust into them. Well, guess what? That's what rich people do. Rich people have financial advisors. They have CPAs. And you have to overcome all these mental blocks because it's like this tribe is doing things very, very differently. And so that's what I think you need to do is keep looking for, well, what is that tribe that's making a million a year? What are they doing?

I have to put my trust into them. Well, guess what? That's what rich people do. Rich people have financial advisors. They have CPAs. And you have to overcome all these mental blocks because it's like this tribe is doing things very, very differently. And so that's what I think you need to do is keep looking for, well, what is that tribe that's making a million a year? What are they doing?

Or making a million a month? What are they doing? And then what you've got to do is study them. Study their mindsets, their habits. What are they doing? How are they looking at the world? What sort of businesses are they in? Because what I have discovered is if you decide what it is you want, and you can find some models on people who've gotten it, it's a very simple path. You just replicate it.

Or making a million a month? What are they doing? And then what you've got to do is study them. Study their mindsets, their habits. What are they doing? How are they looking at the world? What sort of businesses are they in? Because what I have discovered is if you decide what it is you want, and you can find some models on people who've gotten it, it's a very simple path. You just replicate it.

Or making a million a month? What are they doing? And then what you've got to do is study them. Study their mindsets, their habits. What are they doing? How are they looking at the world? What sort of businesses are they in? Because what I have discovered is if you decide what it is you want, and you can find some models on people who've gotten it, it's a very simple path. You just replicate it.

It's like, nobody's out here doing magic. Maybe there's a couple of people who are, but most of it, you can replicate it. When I decided to be a psychologist, it's like, oh, how do people do it? Oh, well, they do this and this and this. Okay. And the first time I tried to get into graduate school, I wasn't accepted. And I'm like, okay, well, what do I got to do the next time to get accepted?

It's like, nobody's out here doing magic. Maybe there's a couple of people who are, but most of it, you can replicate it. When I decided to be a psychologist, it's like, oh, how do people do it? Oh, well, they do this and this and this. Okay. And the first time I tried to get into graduate school, I wasn't accepted. And I'm like, okay, well, what do I got to do the next time to get accepted?

It's like, nobody's out here doing magic. Maybe there's a couple of people who are, but most of it, you can replicate it. When I decided to be a psychologist, it's like, oh, how do people do it? Oh, well, they do this and this and this. Okay. And the first time I tried to get into graduate school, I wasn't accepted. And I'm like, okay, well, what do I got to do the next time to get accepted?