EP302: Becoming Rich Is Actually Easy

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Are You Making Money Just to Pay Bills, or Are You Actually Building Wealth?

Let’s get real for a second: Are you just working to survive, or are you actually building wealth that will give you freedom?

If you’re feeling stuck in the work-pay-bills-repeat cycle, you’re not alone.

Most people think they just need to make more money, but that’s a lie.

We know this because we went from working in the fashion industry—knowing nothing about investing—to building a $300M+ multifamily real estate portfolio in just six years.

The biggest lesson we learned? Building wealth isn’t as hard as you think.

Why Most People Stay Stuck (Even If They Make Great Money)

Here’s the truth no one talks about:

👉 You can make six figures and still feel broke.
👉 You can save all you want and still never feel ahead.
👉 You can follow all the traditional financial advice and still struggle.

Because no one teaches us the difference between: 💰 Making money → Trading time for a paycheck.
🔄 Cash flow → Money that keeps coming in, even when you’re NOT working.

Most people are taught to save—but the wealthy are taught to invest.

If you’re stuck in a cycle of work → paycheck → bills → repeat, let me ask you:

❌ What happens if you lose your job?
❌ What happens when you physically can’t work anymore?
❌ Are you planning to grind until you’re 70 just to keep paying bills?

If that sounds exhausting, keep reading.

We Used to Think Making More Money Was the Answer—It’s Not.

No matter how much we made, we still felt stressed about money.

We’d earn more, then suddenly:
✔️ Nicer clothes
✔️ Better vacations
✔️ More expenses

At the end of the day? Still working for money instead of making money work for me.

Here’s the problem with traditional financial advice:
❌ Save 10% of your income (too slow)
❌ Build an emergency fund (barely keeps up with inflation)
❌ Max out your 401k (locks your money away for decades)
❌ Pay off your mortgage (ties up capital in dead equity)

It’s designed to keep you stuck.

Because your income is capped by hours.
Taxes eat 40%+ of your raises.
Inflation steals another 8-10% (yes, it’s higher than they tell you).

Meanwhile, the wealthy don’t follow these rules.

How the Wealthy Actually Use Money

The biggest difference?

Most people trade their time for money → then immediately spend it on liabilities (cars, gadgets, vacations, even houses).

💸 Poor people: Earn → spend → repeat (like pouring water on dry soil that never grows anything).
💳 Middle class: Take on debt to buy things, thinking they’re “investing” (but really, they’re just paying off loans).
🏆 Rich people: Disconnect their income from their time—meaning they own cash-flowing assets that pay them forever.

When the middle class gets money, they ask:
❌ “What can I buy?”

When the wealthy get money, they ask:
✅ “How can I use this to make more money?”

That one question changes everything.

So, Why Saving Alone Will NEVER Make You Rich

We’ve been told: “Save, save, save. Be responsible.”

But here’s the problem:
💸 Saving money doesn’t protect you from inflation.
💸 Saving money doesn’t generate income.
💸 Saving money won’t make you wealthy.

What good is a pile of cash if you’re still stressed about running out of it?

Instead of hoarding money, treat it like a tool to multiply.

How One Apartment Paid Us for Years

Here’s a real-life example:

We owned a multifamily property for 27 months, and every single month, it paid us cash flow—even during COVID-19, when the world shut down.

And it didn’t stop there.

Because in multifamily real estate, you make money in multiple ways:
✔️ Cash flow from rents
✔️ Profit from selling the property
✔️ Tax benefits that keep more money in your pocket

We bought this apartment for $6.9M and sold it for $15.5M—more than double the value.

Meanwhile, most people are out working 60-hour weeks to make money, while our assets are making money for us.

Do You Want to Work Forever? Or Do You Want to Build Wealth?

Most people spend their entire lives making money—but they never learn how to make money work for them.

That’s why most people will work until they die.

❌ The goal isn’t to work harder.
❌ The goal isn’t to save more.
✅ The goal is to build cash flow that makes work optional.

The Wealth Blueprint That Will Change Everything

Here’s the exact 3-step strategy that flipped our financial future:

Step 1: Capital Momentum – Set Up Income Streams That Outlive You

Building wealth isn’t about how much money you make—it’s about what you do with it.

True wealth isn’t just about numbers—plenty of families have had millions and lost it in two generations.

Real wealth is a system of financial momentum—where assets continue to grow and produce income for generations.

💡 Example: We invest in multifamily real estate, which produces cash flow whether we work or not.

Step 2: Cash Flow – Focus on Creating Income, Not Just Earning It

Why do we talk about cash flow so much?

Because most people think making money = wealth.

But I’d rather have consistent cash flow than a big paycheck.

Here’s why:

Think about Salt Lake—it’s vast and beautiful. But nothing lives there.

Why?
Because it has only inlets and no outlets—meaning no fresh water flows through.

Your money works the same way.
💰 If your money has inlets (income) but no outlets (investments that generate cash flow), your money dies.

I know so many people with big bank accounts but no cash flow, and guess what?

They still struggle financially.

Their money is locked in retirement accounts or stocks—so locked up that they don’t even know if they’ll live long enough to use it.

Step 3: Capital Growth – Keep Reinvesting to Multiply Your Wealth

Once you start planting money trees, you don’t stop.

You take the seeds from one tree and grow even more money trees.

That’s how wealth scales exponentially.

If you don’t understand how this works yet, that’s fine. But if you’re still in the same financial position 5 or 10 years from now, that’s a problem.

So Ask Yourself: Do You Want to Keep Trading Time ⏰ for Money?

Because wealth isn’t about working more.

It’s about owning assets that work for you—so you can stop worrying about money forever.

💡 If you’re ready to stop making money just to pay bills—and start actually building wealth—watch my next video.

We’ll show you how to make money without hard work.