The Dept. w/ Omar El-Takrori If you make money and still feel broke here's why... | The Dept. #103
Jan 8, 2026
Mario Payne, a financial advisor and the founder of Payneful Profits, joins to explore the intricacies of building sustainable businesses online. He emphasizes the importance of mindset shifts for creators transitioning to scalable offers and discusses how to price confidently. Mario shares valuable insights on leveraging tax strategies, such as using HSAs and 401(k)s, to accelerate wealth. Their conversation also touches on the power of disciplined giving and leveraging both good debt and effective business structures for financial growth.
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Treat The IRS As A Partner
- The IRS can be your biggest business partner if you structure your business correctly.
- Using the tax code strategically returns money to your pocket and accelerates growth.
Use HSAs And 401(k)s As A W-2
- W-2 employees can still accelerate wealth by maxing out 401(k)s and using HSAs.
- HSAs offer a triple tax advantage: pre-tax contribution, tax-deferred growth, and tax-free qualified withdrawals.
Life-Saving CT Scan Shaped His Mission
- Mario shared a military medical story where a CT scan found a life-threatening blood clot.
- That experience shaped his gratitude and motivates his focus on financial stewardship and giving.
