Lewis Howes

And that's where these people end up if they keep living this way.

And so no matter how old you are, it's never too late.

And we get calls from people in their 60s and 70s who finally decide enough is enough.

I'm going to have a life of dignity even after four decades of mistakes and bad decisions.

You can still turn it around.

It's just harder the older you get.

So when 20-year-olds go, man, I'm so dumb, I go, great, you got it over with early.

Now you got the rest of your life to make wise decisions.

Yeah.

Okay.

Number one, take that off the table.

Mortgage excluded.

But if you can take that off the table and say, I'm not gonna have a credit card, I'm not gonna go into credit card debt, I'm gonna avoid a car payment by saving up and paying cash, upgrading over time, your life will be so much better than all of your peers who got there faster.

It's the hair, they have the nicer car before you did, but man, when you got there,

It was so well earned and you got peace the whole way there.

So taking that off the table would be number one.

Number two would be investing in a Roth IRA.

That is after-tax money that grows tax-free and you don't have to pay Uncle Sam ever again.

That to me is the greatest life hack.

Meaning, you could have $2 million of net income