Building Your Money Machine

Welcome back to the Building Your Money Machine Show! In this episode, I’m pulling back the curtain on one of the most popular and controversial trends in personal finance today: the FIRE movement — Financial Independence, Retire Early. After more than 30 years as a CPA, entrepreneur, and financial educator, I've witnessed countless people chase the dream of early retirement, only to find themselves back at work faster than a market crash.Today, I'm digging into the 8 biggest problems with FIRE that no one’s really talking about. If you’ve ever thought about retiring early, or you’re already hustling toward financial independence, this episode will help you rethink your strategy so you don’t sacrifice the best years of your life for a number on a spreadsheet. I’m sharing real stories, personal experiences, and the specific pitfalls that can turn FIRE from financial independence into a life of frugality, stress, and missed opportunities.Plus, I’ll be walking you through my lifestyle cost calculator—yours for free—so you can finally figure out what your freedom actually costs (hint: not the number you see on Instagram).IN TODAY'S EPISODE, I DISCUSS:Why the extreme savings rates in FIRE are like financial crash dietingWow chasing an early retirement number can actually train you to avoid joy in lifeOver-reliance on the 4% rule and market performanceWhat really happens when your career suddenly stopsWhy FIRE isn’t equally accessible to everyone,What most FIRE advocates ignore about medical costsMy four-step roadmap to financial independenceRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/If You Don't Understand Bonds, You Don't Understand Money7 Things I Wish I Knew Before I Retired8 Signs You're NOT Ready For The Upcoming Recession40 Harsh Truths I Wish I Knew in My 40sHow to Build Your Financial Freedom Engine (Step-by-Step)RECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:If You Don't Understand Bonds, You Don't Understand Money: https://youtu.be/7d9Lz0D0uzA7 Things I Wish I Knew Before I Retired: https://youtu.be/t5DL9bZYRiw8 Signs You're NOT Ready For The Upcoming Recession: https://youtu.be/Spnhr_Ecd0s40 Harsh Truths I Wish I Knew in My 40s: https://youtu.be/RUIh5osQigoORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that’s no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you’ll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Welcome to another eye-opening episode of the Building Your Money Machine Show! Today, I’m pulling back the curtain on a market that quietly runs the show behind the scenes—one that most people don’t truly understand: the bond market. You may have heard that bonds are “boring,” reserved for your grandma’s retirement or a dusty corner of finance. Well, I’m here to change your mind.With over 30 years as a financial expert, I can tell you: the bond market isn’t just big—it’s the most powerful market in the world, moving more than $100 trillion and deciding everything from your mortgage rate to your retirement returns. It might not be as flashy as stocks or crypto, but it’s the boss that sets the rules you and I have to live by.In this episode, I walk you through exactly what a bond is, how bond prices and yields play tug-of-war, and why ignoring the bond market is like letting someone else drive your money while they’re scrolling TikTok. I’ll break down how bonds ripple through your financial life—impacting your loans, your investments, your freedom number, and even your taxes.IN TODAY’S EPISODE, I DISCUSS:Why the bond market is the true thermostat of the economyWhat a bond actually is, including the 4 must-know termsThe relationship between bond prices and yieldsHow the U.S. government and companies issue bondsPrimary vs. secondary bond marketsHow Treasury yields impact everythingThe interplay between bonds and stocksWhy understanding your “freedom number” is criticalWhy you must take the wheel when it comes to your moneyRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/7 Things I Wish I Knew Before I Retired8 Signs You're NOT Ready For The Upcoming Recession40 Harsh Truths I Wish I Knew in My 40sHow to Build Your Financial Freedom Engine (Step-by-Step)Stop These 8 Habits to Quietly Build Wealth (I wish I knew this sooner)RECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:7 Things I Wish I Knew Before I Retired: https://youtu.be/t5DL9bZYRiw8 Signs You're NOT Ready For The Upcoming Recession: https://youtu.be/Spnhr_Ecd0s40 Harsh Truths I Wish I Knew in My 40s: https://youtu.be/RUIh5osQigoHow to Build Your Financial Freedom Engine (Step-by-Step): https://youtu.be/OuETMEdqPB4ORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that’s no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you’ll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Welcome to another powerful episode of the Building Your Money Machine Show! Today, I’m sharing the seven things I wish I knew before I retired—and let me tell you, making the leap from building wealth to living off it is a much bigger mental switch than I ever imagined.We’ll dig into the psychological shift from the accumulation phase (saving, investing, and growing wealth) to the decumulation phase (actually spending what you’ve worked so hard to build). I’ll explain why switching from earning a paycheck to relying on your money machine feels scary for almost everyone, and I’ll walk you through how to prepare for a retirement that feels like freedom—not like a financial identity crisis.You’ll also learn why active income is like oxygen, why you absolutely need a plan (and how to get started with my free Lifestyle Cost Calculator), and how to design your post-work life with the same intention you used to build your career and wealth. We’ll tackle the truth behind retirement myths, and why your legacy isn’t about what you leave behind.IN TODAY’S EPISODE, I DISCUSS:Why retirement isn’t a dateHow the broken retirement system has shifted responsibility into your handsThe psychological challenges of moving from accumulation to decumulationWhy spending in retirement is the goal, not a betrayalWhy your health is the real portfolio that gives your wealth valueThe essential role of a plan—plus a free resource to help you know your numberWhy real legacy is built in the small, meaningful momentsRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/8 Signs You're NOT Ready For The Upcoming Recession40 Harsh Truths I Wish I Knew in My 40sHow to Build Your Financial Freedom Engine (Step-by-Step)Stop These 8 Habits to Quietly Build Wealth (I wish I knew this sooner)ACCOUNTANT EXPLAINS: Why Net Worth Skyrockets At $100kRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:8 Signs You're NOT Ready For The Upcoming Recession: https://youtu.be/Spnhr_Ecd0s40 Harsh Truths I Wish I Knew in My 40s: https://youtu.be/RUIh5osQigoHow to Build Your Financial Freedom Engine (Step-by-Step): https://youtu.be/OuETMEdqPB4Stop These 8 Habits to Quietly Build Wealth (I wish I knew this sooner): https://youtu.be/mpfQqi2RRT4ORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that’s no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you’ll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Welcome to another impactful episode of the Building Your Money Machine Show! Today, I’m taking a practical look at a question on everyone’s mind: Are you really ready for the next recession?There’s a lot of noise out there about the stock market, scary headlines, and economic forecasts. But let me set the record straight—recessions aren’t about the stock market’s mood swings. A recession is the ultimate stress test for your finances. If you aren’t prepared, it’s going to find every crack in your financial foundation and expose it.We’ll talk about why tackling debt is the first vital step, why having a single income stream can put you on a financial cliff, and why emergency funds aren’t just for peace of mind—they’re your financial life raft. I’ll also walk you through how your investment portfolio should actually match your age, stage, and current situation, and why building your own money machine isn’t optional anymore—it’s essential.The best part? Every move you make to recession-proof your finances also sets you up to build sustainable wealth in ANY market. This is not just about surviving a recession. It’s about building a financial future the economy can’t take from you.IN TODAY’S EPISODE, I COVER:Why debt is a silent cash flow killerThe difference between an emergency fund and a peace of mind fundThe dangers of relying on a single paycheck, client, or contractHow to become indispensable to your employer or clientsWhy you need to start building your Money Machine right nowRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/40 Harsh Truths I Wish I Knew in My 40sHow to Build Your Financial Freedom Engine (Step-by-Step)Stop These 8 Habits to Quietly Build Wealth (I wish I knew this sooner)ACCOUNTANT EXPLAINS: Why Net Worth Skyrockets At $100kMy Honest Advice To Anyone Who Wants To Get RichRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:40 Harsh Truths I Wish I Knew in My 40s: https://youtu.be/RUIh5osQigoHow to Build Your Financial Freedom Engine (Step-by-Step): https://youtu.be/OuETMEdqPB4Stop These 8 Habits to Quietly Build Wealth (I wish I knew this sooner): https://youtu.be/mpfQqi2RRT4ACCOUNTANT EXPLAINS: Why Net Worth Skyrockets At $100k: https://youtu.be/AdyUwRGrGvQORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that’s no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you’ll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Welcome to another powerful episode of the Building Your Money Machine Show! Today, I'm laying out something I wish someone had handed to me decades ago: the real, unfiltered playbook to life—especially when it comes to money, work, health, and relationships. I’m Mel Abraham, and after 30+ years as a financial expert, entrepreneur, and mentor, I know that the harshest truths are the ones that ultimately set us free. And that’s what I’m putting on the table for you today.I’m sharing 40 harsh truths I wish I knew in my 40s—the things most of us take decades or even a lifetime to discover, and that, left unchecked, can cost us precious time, freedom, and happiness. These aren’t theory; they’re the distilled, sometimes uncomfortable lessons I’ve lived, seen, and taught—covering everything from building wealth, mastering your finances, and making your money work for you, to investing in your health, forging real relationships, and raising future adults (not just kids).IN TODAY’S EPISODE, I SHARE:Why your choice of partner is your biggest financial decisionThe sneaky danger of lifestyle creep and keeping up with the JonesesThe illusion of comfort zones—and the truth about real growthWhy you’ll never save your way to genuine wealthThe power of investing both your money and your time in the right placesThe reality that money without meaning is just paperWhy your health is your true wealth—prevention now, or you’ll pay laterWhy legacy isn’t what you leave, it’s how you live right nowRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/How to Build Your Financial Freedom Engine (Step-by-Step)Stop These 8 Habits to Quietly Build Wealth (I wish I knew this sooner)ACCOUNTANT EXPLAINS: Why Net Worth Skyrockets At $100kMy Honest Advice To Anyone Who Wants To Get RichWhy Dumb People Are Making More Money Than YouRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:How to Build Your Financial Freedom Engine (Step-by-Step): https://youtu.be/OuETMEdqPB4Stop These 8 Habits to Quietly Build Wealth (I wish I knew this sooner): https://youtu.be/mpfQqi2RRT4ACCOUNTANT EXPLAINS: Why Net Worth Skyrockets At $100k: https://youtu.be/AdyUwRGrGvQMy Honest Advice To Anyone Who Wants To Get Rich: https://youtu.be/xV1yr8Qi_nQORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that’s no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you’ll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Welcome to a special episode of the Building Your Money Machine Show. Today, I’m sharing something truly unique—a live keynote session I delivered to a room full of high-achieving entrepreneurs, each of whom invested over $10,000 to be there. In this episode, I walk you through exactly how to build your Financial Freedom Engine, step-by-step, so your money works harder for you than you ever did for it.Let’s be real: true financial freedom isn’t about chasing raises or staying trapped on the earnings treadmill. It starts the very moment your money begins to create more wealth for you than your own labor does. I’m diving deep—not just into the dollars and decimals, not just the math (despite my accountant, CPA roots)—but also the emotional and behavioral shifts that create lasting wealth and meaning.So if you’ve ever hit a financial goal and asked, “Is this it?” or felt like money’s just a complicated, intimidating ghost in the hallway—this episode is for you. We’re flipping the lights on, and making money simple and deeply personal.IN TODAY’S EPISODE, I DISCUSS:Why most people who achieve their financial goals still feel unfulfilledThe mindset shift from thinking in weeks and years to thinking generationallyThe power of building healthy financial habits earlyHow to start investingThe vital importance of tracking your net worthHow to create the “money machine”The critical role of transparency and teamwork in relationships around moneyWhy your legacy is about giving your gifts to the worldRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/Stop These 8 Habits to Quietly Build Wealth (I wish I knew this sooner)ACCOUNTANT EXPLAINS: Why Net Worth Skyrockets At $100kMy Honest Advice To Anyone Who Wants To Get RichWhy Dumb People Are Making More Money Than You15 Things That Are a Complete Waste of Your MoneyRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:Stop These 8 Habits to Quietly Build Wealth (I wish I knew this sooner): https://youtu.be/mpfQqi2RRT4ACCOUNTANT EXPLAINS: Why Net Worth Skyrockets At $100k: https://youtu.be/AdyUwRGrGvQMy Honest Advice To Anyone Who Wants To Get Rich: https://youtu.be/xV1yr8Qi_nQWhy Dumb People Are Making More Money Than You: https://youtu.be/ISY01uDuyJkORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that’s no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you’ll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Welcome to another great episode of the Building Your Money Machine Show! If you’ve ever felt like you’re doing all the right things—saving, hustling, even dabbling in investing—but still not seeing your wealth build the way you’d hoped, you are absolutely not alone. Today, I’m flipping the script and sharing the eight habits you need to stop if you want to quietly and effectively build lasting wealth. Trust me, these aren’t the typical suspects you see in every personal finance blog; these are the sneaky “financial termites” that erode your wealth from the inside out—often disguised as normal behaviors you barely even notice.Looking back, I wish I’d known about these much sooner. So today, I break them down for you—no fluff, just straight talk—from my own 30-year journey as a financial expert, entrepreneur, and mentor. Our mission? To help you master your money, eliminate financial stress, and live a life of choice. Because guess what? Earning more doesn’t make you free—a money machine does.Get ready for a dose of financial education, some sarcasm, and a whole lot of heart, as I pull the curtain back on the silent habits you need to stop.IN TODAY'S EPISODE, I DISCUSS:Why you need to stop worshiping the concept of “good debt”How wearing “busy” like a badge of honor is a trapWhy waiting for the perfect time to invest is costing you millionsThe danger of letting every raise become a lifestyle upgradeThe true cost of thinking in monthly payments instead of total cost or lost opportunityWhy delaying freedom and joy until “someday” is a recipe for regretRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/ACCOUNTANT EXPLAINS: Why Net Worth Skyrockets At $100kMy Honest Advice To Anyone Who Wants To Get RichWhy Dumb People Are Making More Money Than You15 Things That Are a Complete Waste of Your MoneyIf The Dollar Is Collapsing - Is It Worth Saving Money?RECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:ACCOUNTANT EXPLAINS: Why Net Worth Skyrockets At $100k: https://youtu.be/AdyUwRGrGvQMy Honest Advice To Anyone Who Wants To Get Rich: https://youtu.be/xV1yr8Qi_nQWhy Dumb People Are Making More Money Than You: https://youtu.be/ISY01uDuyJk15 Things That Are a Complete Waste of Your Money:https://youtu.be/0aeP90sF5UQORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that’s no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you’ll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Welcome to another enlightening episode of the Building Your Money Machine Show. Have you ever wondered why building wealth feels like such a slow grind in the beginning, but then—almost out of nowhere—your net worth starts accelerating? In today’s episode, I’m pulling back the curtain on a tipping point that changes everything: hitting your first $100,000 of investable net worth.I know firsthand how discouraging it can feel to be saving, investing, and doing all the “right” things, only to see what looks like minimal progress. It’s like pushing a boulder uphill in flip flops during a windstorm while people shout useless advice at you like, “Just stop drinking coffee!” Trust me, I’ve been there. In this episode, I explain exactly why it feels so tough to reach your first $100K—and why, after that, building wealth starts to snowball thanks to the magic of compounding.Together, we’ll break down the difference between total net worth and investable net worth—the number that actually matters for creating real financial freedom. I’ll walk you through why the initial push is so challenging, and how the habits and skills you build in those early years set you up for lasting success.IN TODAY’S EPISODE, I DISCUSS:Why the journey to your first $100K of investable net worth feels like the hardest partThe difference between total net worth and investable net worthThe critical identity shifts and new skills you need to go from “spender with good intentions” to confident wealth builderThe mindset and math behind opportunity costHow long it really takes to hit key milestonesRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/My Honest Advice To Anyone Who Wants To Get RichWhy Dumb People Are Making More Money Than You15 Things That Are a Complete Waste of Your MoneyIf The Dollar Is Collapsing - Is It Worth Saving Money?7 Smart Habits of Quiet MillionairesRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:My Honest Advice To Anyone Who Wants To Get Rich: https://youtu.be/xV1yr8Qi_nQWhy Dumb People Are Making More Money Than You: https://youtu.be/ISY01uDuyJk15 Things That Are a Complete Waste of Your Money:https://youtu.be/0aeP90sF5UQIf The Dollar Is Collapsing - Is It Worth Saving Money?: https://youtu.be/yG3CoFaYV2YORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that’s no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you’ll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Ever wonder why it feels like you’re working harder than ever but never seem to get ahead financially? You’re not failing because you’re lazy; you’re failing because you’re financially directionless. That’s the hard truth, and today, I’m bringing you the raw, no-fluff advice I wish someone had told me decades ago about what it really takes to get rich—and (spoiler alert) it’s NOT about grinding harder, hoarding cash, or chasing the next big promotion.In this episode, I walk you through the nine non-negotiables for building true wealth—the real stuff, the uncomfortable truths that rattle your comfort zone, and the practical, step-by-step tools that move you forward. This is your financial education with a bit of sarcasm, a lot of heart, and a proven pathway to true freedom.Drawing on over 30 years as a financial advisor, CPA, and lifelong student of wealth-building, I’ll show you how to craft a vision for your life, transform your relationship with debt, conquer self-sabotaging money stories, prioritize investing, and much more. The goal? To help you build your money machine—so your money works harder for you than you ever did for it.IN TODAY’S EPISODE, I DISCUSS:Why knowing your destination—your vivid vision for an ideal life—matters more than a bank balanceThe difference between building a life account versus a bank accountThe difference between productive and destructive debtHow your money stories and childhood beliefs shape your financial trajectoryWhy you can’t save your way to wealthRecognizing that the real currency isn’t cash—it’s timeRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/Why Dumb People Are Making More Money Than You15 Things That Are a Complete Waste of Your MoneyIf The Dollar Is Collapsing - Is It Worth Saving Money?7 Smart Habits of Quiet Millionaires7 Reasons Why The Wealthy NEVER Trade Time For MoneyRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:Why Dumb People Are Making More Money Than You: https://youtu.be/ISY01uDuyJk15 Things That Are a Complete Waste of Your Money:https://youtu.be/0aeP90sF5UQIf The Dollar Is Collapsing - Is It Worth Saving Money?: https://youtu.be/yG3CoFaYV2Y7 Smart Habits of Quiet Millionaires: https://youtu.be/aeTEvvI_H40ORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that’s no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you’ll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Welcome back to another episode of the Building Your Money Machine Show! Today, I’m pulling back the curtain on a question that eats at almost everyone on their wealth journey: Why does it seem like people who aren’t any “smarter” than you are making more money—and living their dream lives—while you’re stuck meal-prepping, maxing out your Roth IRA, and still feeling… stuck?Let’s get real. We’ve all been told that if you’re smart, work hard, and follow the “rules,” wealth will follow. But after decades of working with everyone from broke folks to billionaires, I’ve uncovered the hard truth: intelligence alone doesn’t guarantee wealth. Not even close.In today’s episode, I unpack the “intelligence myth” and why the highest IQs aren’t leading the pack financially. We’ll talk about science-backed reasons why taking action, building grit, and tolerating risk trump being the “smartest” person in the room.IN TODAY’S EPISODE, I DISCUSS:The myth that intelligence equals wealthWhy “dumb” or less-experienced people often succeedThe 5 key traits that predict wealth far better than raw smartsWhy fast action, micro-successes, and starting before you’re ready will always beat waiting for the perfect momentHow perfectionism masquerades as procrastination and keeps you brokeThe practical, actionable steps to align, amplify, and automate your income How to finally separate your income from your effort and achieve true financial freedomWhy being on the field is the only way to win the wealth game—and how to get started now, even if it’s just with $5RECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/15 Things That Are a Complete Waste of Your MoneyIf The Dollar Is Collapsing - Is It Worth Saving Money?7 Smart Habits of Quiet Millionaires7 Reasons Why The Wealthy NEVER Trade Time For MoneyThe Truth About Net Worth: Are You Rich or Poor?RECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:15 Things That Are a Complete Waste of Your Money:https://youtu.be/0aeP90sF5UQIf The Dollar Is Collapsing - Is It Worth Saving Money?: https://youtu.be/yG3CoFaYV2Y7 Smart Habits of Quiet Millionaires: https://youtu.be/aeTEvvI_H407 Reasons Why The Wealthy NEVER Trade Time For Money: https://youtu.be/Jg_8jupAGkQORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that’s no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you’ll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com