Building Wealth & Money Magic - Krisstina Wise

That's compound interest. It's what everybody's missing. Nobody's talking about assets and compound interest. I'm like, dude, and it's so simple. Nobody's talking about abundance and energy and spirit and mindsets. Like, yes, those things are important, but compound interest is the magic. That's the reality. And that's what's not being talked about. And it's what drives me crazy.

Welcome back to the Future Fitness Podcast and Interview Series. This is your host, Eric Malzone. And this is episode number one, five to I talk to Christina Wise. So money, right? It baffles me whenever I think about it that uh all the formal years of education I've had, all the ongoing years of education I had, um, you know, putting myself through courses and reading and and you name it, right? How little I actually know about what to do with my money. And, you know, I have, yeah, I have a um, you know, I have a financial advisor, had them for a long time, but it's all based on this seemingly archaic model, right? That you put money into a 401k in IRA and it kind of steadily grows a little bit here and there, and you don't have to pay taxes on it until you know later in life. And uh then at this magical age of 65, we're supposed to withdraw all this money and then we're just gonna chill. It's not doesn't work like that anymore. People don't do that anymore. I mean, there's very few people that I know that actually get into a job and stay there for 40 years, and that's what that model is for. Um, it's for that model. You get in for 40 years, you grind it out, right? It's the industrial age, uh, or what was the industrial age. Now we're in a completely different age, and things are changing rapidly, and we need a new way to approach money and accumulating wealth, and that's the key is accumulating wealth, and that's what we talk about in this episode. And uh, we also talk a little bit about uh ayahuasca and burning man and you know, little side topics like that, but we bring it back um quite well, I think, to creating wealth and what that means and the mindset, the mindset, and the actions, and the habits, and all that. So she really, really knows her shit. And I'm so glad she came on. Um and it's a perfect segue into what we do at Level 5 Mentors. So if you go to level5mentors.com, and admittedly the website uh needs a little bit of work, but it's there and it gives you the ability to contact us and take the assessment on there too, because we're looking for people um who are looking for the highest level of freedoms in time, money, relationships, health, and purpose. And uh wealth is a huge part of that. So this this podcast uh really, really aligns with everything that that I'm about personally. So um and Christina's awesome. So without further ado, let's get into it. You're gonna get a lot of it. Grab a notepad uh and enjoy the ride. Episode number 152. Boom, we're live. Christina, welcome.

Hey, thank you. It's so much fun to be here.

Yeah, uh this I've been looking forward to this. I look forward to all of my interviews, right? Just gonna preface that, but I've been really looking forward to this one since I got connected to you uh months back because um what a blind spot. You know, what you teach and what you coach, um, not only in kind of the entrepreneurial world in general, but especially in fitness. Um but I want to ask you before we get into that, you just got back from Burning Man. I did just about tell me about that experience because I am I am uh I'm very curious.

You know, it's one of the things. It was my first burner, so as a burner virgin, as it's called, and it's one of those things that you just can't imagine. I mean, once I got there, I felt as though I had been lifted and put on Mars, for example, where not only is it a totally radically different environment and planet, but it's a radically different culture. And it's it's like you're transplanted. So it was one of the most profound experiences I've ever had. And I've had a lot of profound experiences. You know, it's like showing up. One profound experience was the Machu Picchu truck and and coming up on the top of the mountain and seeing the ruins down below. And it's just like you know, you just can't even prepare for the spirituality and this connectedness and that type of thing. And and Burning Man was very much like that. It's just like, what is this? And so it's uh it's one of those things that I've done ayahuasca once, and you can't, well, the beauty of for me of doing ayahuasca, even though that's not really, I wouldn't say that's my thing. I wouldn't call Burning Man, quote, my thing, but is putting myself in these environments where I'm not comfortable in these situations that's outside of what I think I would do. And with ayahuasca, you can't put it into words. Like you can't share what ayahuasca experience is unless you've done it. You can only experience it. And then you can talk about it with somebody that's experienced it. And because you both have had that, but you can't, there's no way to describe through language the experience, the feelings, the emotions, the realizations, you the blocks, the boundaries, the habits, the patterns. It just becomes so obvious, putting ourselves in a radically different space, right? Radically different, not a little bit different, radically different. And so I compare it to my ayahuasca experience. So I recommend ayahuasca is not for everyone, yet at the same time, I recommend everyone at least have one ayahuasca experience. Burning Man the same. Burning Man's not for everyone, but at the same time, I recommend everyone do a Burning Man because it's just such an eye-opener on so many different levels. Something, for example, for me, that I think I like have zero judgment. I'm just a non-judgmental person and I don't follow any sort of dogma or real doctrine, just a real free-spirit, open-minded thinker, and think, you know, I'm not judgmental. I get there and realize, like I hold on to all sorts of fucking judgments, you know, and just an awareness about myself, about things like Christina, get over yourself. Like you've got a whole layer, more layer of work to do to just get out of judgment that opens up a whole different level of awareness and presence and and and relationships with people that I would have judged before that I didn't think I would fit in with. And now I met the most amazing people. They're so radically different than I am, and I fell in love with them because they're just full expression. And that's some of the tenets of Burning Man, which is so cool. It's radical self-expression and no judgment. So you see people just fully being themselves for a week that maybe they can't fully be themselves in the real world because there's judgment everywhere. But there you can just fucking be yourself, and you're almost discovering who you are because you're in an environment where you can be you. So just that alone is so awesome to see others and then to become yourself. So I just had a new, like I shed a skin out there that I didn't even know I had, and a whole different level of me came through that skin that I shed that now I get to walk as this new me in a way until I do something the next time that will allow me to shed another layer. So it's just like being in that environment, and there's just so much, it's just a happy place. Like there's nobody pissed off. You know, you're in very harsh conditions, and so based on the harsh conditions, it really tests you and challenges you and realize we're just so spoiled at home and we're complaining over nonsense. Like we're just so spoiled and comfortable, and we're complaining over stupid shit that would be like, we're the luckiest people in the world. Why are we complaining over shit and getting upset over nonsense in these harsh, harsh conditions, but everybody's out there helping each other and gifting? There's no currency. You don't, there's no money traded at all. So it's just this different level of exchange, and you meet new people, and people are happy and courteous and at the same time half naked or something, and you're just having a normal conversation. So I could go on and on just to say that that I learned a lot about myself. There were highs, there were lows, there were a mix of all different emotions, or is this really feeling a part of a community? And that was one of the takeaways, as well as every there's no internet there. You are completely off the grid. There's no texting, there's no internet, there's no phone. So you have to be present and you're present with who you're with. And so it just, and you're with people, and everybody's helping each other through different conditions and partying and having fun and dancing and laughing and giving and receiving that we'll talk about today, the importance of money on the receiving aspect. Yes. So you to to for gifting to work, there has to be a receiver. So it's, you know, if I'm happy to gift you something, that's an equal happiness to be the receiver of the gift in the other side. And it's kind of that's what money and business is, when we can even relate it to that same thing, it's the feeling of it, not the transaction, but we can get underneath the feeling of how feel how good it feels to gift our service, to gift who we are and what we do to someone else. But then it's equally as beautiful to receive the gift or to receive the compensation of the effort we put out. And that's what happened at Burning Man. You just see the gift and receive, gift and receive and the happiness on both sides of the equation. And if it's just gifting, meaning we give ourselves to our work with no compensation or nothing in return, that's burnout. That's where we just, you know, there's, I mean, we're just gonna wind up to nothing. We have to be replenished and receive as much as we gift. And when that's a pretty equal balance, you know, one way or another, not equally every time, but over time, that's this energy and the momentum. And that's you just felt it Burning Man, this the energy and vibration that just was so high without being attached to stupid shit. So there's my summary.

Oh, it's awesome. Yeah, it's awesome. I had um Nicole Spencer, I don't know if you know her. She was on the podcast not too while ago, and we talked about money mindset a little bit about um, you know, and she addressed it too, I'm sure she got it from somewhere else. Money is energy, right? And you it's gotta flow, it's gotta flow through you. You gotta be, you know, spend it and make it and give it and take it, right? And all these different things. It's just it's gotta move. It can't stay stagnant, and it's one of those things. And um, but we're gonna get a lot more into that, I'm sure. Did how how did you where did you stay when you're at? Did you do like an RV thing?

I did an RV, yeah.

So I was that's the way to go, right?

That's that's the way to go. I mean, I watched the people in tents and thinking, oh my God, that's a whole different level of experiencing the the environment. But yeah, I was in an RB and it was, you know, you got to rinse off a little bit, but you just get dirty, you're just out there and and it's just part, it's part of the whole thing.

Yeah, yeah. And I think um, so for you're a first-time burner, did you have someone kind of guiding you along how to do all this stuff, like where to what's because it's also it's the barter system, which you you were referring to. Um, no one brings money. What what did you what did you bring as your bartering supply?

Yeah, so it's it's mostly so how it's set up, which is really cool, are different camps. And so each camp is like your tribe. So what's cool about that, like in a metaphorical sense, is you think out here in the real world, the different tribes are the way we separate from one another. So it's more of a separation and an exclusiveness. You look at the wars that are happening in the world because the tribes are different from one another. And but you know, but that's safety of the tribe and the community. That's why we need to belong somewhere. So the sense of belonging is really important, but the sense of belonging out here in the real world causes an exclusivity, and I'm better than or less than, or I want what you have because I don't have it, or you think differently than I am, and I'm right and you're wrong. So you think that's the culture that we live in on a day-to-day basis, and the world's blowing each other up. And in Burning Man, it was just such a, like I said, it's just it's like being on a different planet because the culture is radically different. Everybody's in their in their camps, their tribes, but their tribes is like, how do we offer what we offer as a tribe to others? And we want to almost convince you to come experience our tribe because our tribe did coffee and we did a special way we made the coffee, and it's like, come in. So people come in to get coffee and we're meeting new people, so it's inclusive. And so you meet these other tribes that are dressed different ways, or they look radically different, they have radically different beliefs, and it doesn't matter. It's like tell me about your beliefs. I've never thought that way. Come in, tell me more, tell me more. Here's mine. That's cool that you think went that way. Not my thing, but I love you the way you are. Well, that's cool you think that way, tell me more. So it's this inclusion, and then you go off back to your tribe. And so every you're just going to these different tribes to experience what they have to offer. So some offered meditation, so you know, and each day they might have something different. Ours was just coffee, and we all had our coffee shifts, for example, and then you get to wander around and do different things. And so then, you know, and others would might do meditation or yoga, others did TED style talks on hacking happiness, others do snow cones, others do dance parties, you know, but it's the it's the almost the exact opposite of the real world we live in, and it's just full of love and acceptance. It's like the way the world, like you leave there thinking, why doesn't the world operate this way in the real world? Like, why are we so exclusive? And why are we separating ourselves? And why do we have low self-worth like we're less than or more than? Or, you know, it just doesn't exist there, which is fascinating. It's really fascinating. And it shows what's possible, not to mention the art and the creativity and the creative spirit. And you have to, you have you could you would die out there alone. So you have to be able to be part of the community and give and take and offer and sometimes just rest. And as a first timer, there's the culture that if you're first timer, we're just here to take care of you. Now, your second time, you're gonna be taking care of the new timer. So there's that reciprocity, right? So that you don't have to really worry about too much as a first timer, you can just soak it in and be taken care of. And don't aren't we all in a place of life, we reach these places. Yeah, so on the sense of reciprocity, again, there's just all these lessons in a way that you can observe them differently, at least for me. And in the idea of money, let's say, like every life experience is contextual in the sense that when we really understand or we we're exposed to something new, we get a new mindset, or we can see things differently through a different level of awareness. Every universal law, it's fundamental, means it's applicable to every situation in life, like every context or category. And so, since my expertise is money, I really love looking at these different lessons, universal laws or lessons out there that are that can be applied to money. And reciprocity is one of those examples. So, like we're talking about is that as a newbie, it's this idea of just being taken care of and just letting and even feeling. So, for those of us that are type A personalities, doers, actors, creators, innovators, get shit donners, we're not very good at receiving many times. You know, we're not good at being taken care of because we're out there just this energy and and move momentum, and that's like what drives us. We're driven on our own. And that causes burnout if we don't equally allow ourselves to receive and be taken care of and allow that to happen and in a good way. So, just as a side note, I just got up a conversation right before we talked with one of my best friends. Well, my best friend, my best girlfriend, her name is Lori. And so Lori's getting foot surgery on Tuesday. And so I asked her, I said, Do you need anything while you get foot surgery? Can I bring you dinner or something? Like, can I do anything? And she said, No, no, no. And I said, No, Lori, here's the thing. And this came out of Burning Man. I said, You don't understand. I let me ask it a different way. That, or let me share it a different way. It would make me tremendously happy. You've done so much for me, Lori. Nothing would make me happier than knowing I could do something nice for you. So if you think dinner would be great, if it doesn't matter, I won't do it. But if it would be nice for you to have and you don't have to worry about it the night you get back from foot surgery and your husband can just take care of you, I will be so happy to be able to do that for you. It's not an inconvenience, like it's the exact opposite. So I'd love to do this for you if it's and she's like, oh my God, it would make the biggest difference in the world. The dawn has to, yes, I accept it. Like, I'm so happy now. I get to do something for you. You're just so good to me. Yes, this makes me feel great. So again, it's this idea of reciprocity, but when we're the givers, or we're always the ones out there helping others with this mindset that I'm in service or I'm just, you know, what I do is profession. If it's a fitness industry or something that says, you know, if I do what I love, I just give, give, give, give. Energy doesn't work that way. There's a yin and yang for a reason. It has to be give, receive, give, receive, give, receive. And if you're just in this mindset of I'm just doing my life's work and I just give, give, give, give, it doesn't, that's against the universal laws of nature. It has to be. There's a reason why trees give you know oxygen and we take that in and send out carbon dioxide. The universe has to work that way. Everything is synergistic and symbiotic. Everything, it's all give and receive. That's the way the planet works. So we have to understand that it that is universal, fundamental. It's nature's laws. And when it comes to money, if you're just giving your service, if you're just giving with this mindset, I've got to tell something to tell you. One, you're gonna be broke, and broke's not fun. Regardless, get over your fucking identity with money to think like, oh, money doesn't matter if I'm just doing my love. That is bullshit. It's bullshit because it's against Mother Nature's laws. So just I'm just called bullshit on it. And the only reason why we believe that is we usually we have some work we need to do that's a self-worth issue, that I'm not worthy enough to receive something, or maybe my value is not there. Again, bullshit. If you're living your life's passion and your skill set and you're in it, you've got to feel it and know it's like I am damn worth whatever reciprocity I'm giving. Sometimes it's a trade, sometimes it's money, sometimes who knows, but be very, we have to go in saying I am worthy, and I it has to come back for this to be sustainable. It's not sustainable. If we just rob Mother Nature and take, take, take, which we're doing many times around the world, there's going to be a consequence at some point. You can't just be in a world of taking and you are giving for others to take. So when we get to this place of reciprocity and understanding that's the way the universe works, we have to have as much joy in the receiving that enjoy the feeling of how good it feels, and just getting over these stupid money narratives and beliefs like there's something bad about that. Like, who made up that bullshit? So, no, it's but again, it's the feeling, it's the belief, it's the understanding, it's the worthiness that comes back and letting go of these cultural narratives that we've been adopted or something that's just made up. It's simply not true.

Yeah, uh, it's so powerful. I mean, there's so many different everybody has their own unique relationship with money, right? I mean, it's you know, summer or semester. I I mean, even between my wife and I, we have drastically different visions of money. You know, she she'll always believe, like, well, you know, we don't have enough for retirement. I'm like, well, of course we don't. We're only I'm we're only in our early 40s. Like, we'll, you know, we'll get there. Actually, maybe we do. Have we actually done the math? Right, but we always assume that we don't have enough, but there's and I this the terms of abundance and all that, it's really popular now, right? What but it's true. I mean, if some of the things I want to circle back on too is like I I travel quite a bit because I like to, but it also provides me this incredible um perspective on shit, right? Like, we'll go to Brazil where my family, my wife's family's from, right? And all of a sudden, like, we'll go, you know, and they're they're in an upper class area, but then as soon as we start to drive somewhere more remote, I'm like, my problems aren't shit. Right? Like, I'm worried about like, you know, where am I gonna ski this winter? Right. Like that's a legitimate concern for me. And I realized I don't have anything to worry about. And, you know, when you talk about a lot of things, or I talked to another guy who's on our show, as a doctor, a prof a psychologist, and he was saying, you know, the funny thing is about in a lot of money, money beliefs come from comparison, right? We're always comparing to other people. Well, we always compare up, we never compare down, right? We never look at, and that's gratitude in its in its you know, purest form. It's like, well, I'm I'm grateful for what I have. And uh yeah, and I I think let's let's back up because I I want to I want people to know your story. Like, how did you get to be the money coach that you are? And we're gonna get into plenty of specifics related to the fitness and health and wellness industry, but I think your story is fascinating how you got here because you're successful, right? But you've had a unique, very, very tough challenges along the way. Um, and that tends to be what creates people's you know success too, is is the the hardship at times. So to break that down for us, give us some background.

Yeah, I think again, if we use Burning Man as a as a metaphor, it's a harsh environment, but you survive and come out of that a different person. Like it's it is a harsh week, right? But in a beautiful way. So it's metaphorical that going through shit in life, if we don't turn into victims of circumstance, but use that as a way to waken up and come out with different lessons, that's how we sheddle skin and that's how we grow into the next version of ourselves, which is all of this is only one big spiritual journey. It's just one big spiritual journey. And either we're in the spiritual journey or we're not. But when we can just attach the spirit of it, and that's part of this whole day to day operation of living, it really changes it again, like how we travel through life. Um and yeah, so when it comes to money, money is. So, like we have so much narrative attached to it. We have so much story attached to it, narrative story. We have so much belief. We have so much um uh feeling attached to this thing called money. And money itself, it's neutral, it's just it's just a transaction tool, it's just a way to exchange services and it it that's all it is. It's just really a tool. If we look at it from its just bare form, it's repla it's a more efficient way to trade than the barter system, in the sense that used to be the old days before we had currency. So, and it's just as I have cows and you have chickens, and so if you want chickens and I have cows, we barter, and now you have chickens and I have cows. But I can't give all my cows away, and you get more cows and chickens, I'm gonna be out of cows. And then what do I do? I can't feed my family anymore. I can't just give and give and give away all my barter. My family's gonna fucking die. So it has that's what barter is give, receive, give, receive. And the currency that we use is just the most efficient way to do that. So money itself is neutral, there's no emotional attachment to it. So we as humans, every emotion that we have about about money is completely made up. It's not real. So that's part of the work I do with people is on the mindset piece. I don't like the word mindset or abundance. Like these words people use, they don't really have a meaning for them. They're just use. It's like, do you want a definition for what abundance is? Like, if I hear the word abundance one more time, I want to scream. Like, tell me what is abundance. Give me a definition. What's abundance?

More than enough? I don't know.

And how much is enough?

I don't know. Who knows? It's everyone's interpretation.

So when I teach money, for example, one of the first things that we do philosophically is how much money's enough. Because we live in a culture of more, like you said, comparison up more and more. And it is not a spiritual journey when we're just living in the journey of more, because that means there will never be enough. And when we look at when we so the great thing I love about money is money is quantifiable. So it's just a quantification tool, but not quantifying ourselves to compare to others. But it just it's a it's a truth teller. So I see a lot of people, you know, where I go, and you probably do, going to lots of conferences and masterminds and people on stages. And so a lot of times what I like to say is like there's people on stage speaking, like how to build a seven or eight-figure business. And they get hordes of people coming to the talks and hordes of people that are maybe buying the programs. And again, I just want to call bullshit on that because top-line revenue doesn't mean anything. It's how much money are you putting your household bank account? Because if you're making, if you have a million-dollar business and you're spilling spending a million one, you're broke. Yet you're on their stage telling everybody. And income doesn't matter. Work and income is only a vehicle to produce wealth, and income and wealth are radically different, and everybody's in the income game, and very few people are in the wealth game. And the wealth game, it's not about retirement. I want to even call bullshit on this world retirement. Like, what is retirement? That's an industrial age thing when we worked till 62 for one job and died at 65 and had retirement for three to five years. That world does non-existent. So just we need to get rid of the world retirement. It's just misthinking. Now we need to replace the world like abundance, in my opinion, with the word freedom.

Yes.

But now we can use the word freedom, but even then that word can be nebulous. So we have to know with words we use. Words matter, but words have to have meaning. So the word freedom, it's like I want enough money to be financially free. That's what I'm working towards. So now what does that mean? What's the definition of financially free? Well, I have a definition for that. And financially free to me means that my asset income, i.e. passive income, i.e. non-working income, meaning if I don't wake up and have to go to work tomorrow, my bills are being paid income, that will pay the cost of my desired lifestyle. That's freedom. And what does freedom mean? That's the definition of freedom or the distinction. So what does that mean? And everything needs to have meaning. We're living lives without meaning. We're just earning and spending and keeping up and comparising and not enough and buying more shit, and everybody's unhappy, and their relationships are fucked, and all sorts of this nonsense. And the idea of this because we don't know what's meaningful. So when I teach money, it's like we do an exercise called meaning and money. I mean money and meaning. And it's the meaning of the money. So, what is the meaning of your money? Well, when it was freedom mean, well, freedom to mean means time, and time to me means space, and space to me means that I get to be a creator, an actor in my life that's not attached to having to make money. That making money is now truly my creation and my purpose. And that takes time to create that freedom. And it's and the thing with money is money is this combination of metaphysical energy and spirit in these different pieces, and it's very practical. It has its universal fundamental laws that you have to follow. And if you don't, you're screwed financially. And you don't want to be old and broke, regardless. You don't. It would, it's that's suffering. Who wants to suffer? We're not signing up to suffer, yet people are signing up to suffer by choice, by these narratives and beliefs that are just not true. So on financial freedom, it's just that space of like, hey, I have the time and space because my assets, meaning my wealth, not my income. Income means I'm working for it. Wealth means my money is actually paying me. My assets are paying me. I'm not having to go to work every day to do that. So that's another way of saying a trust fund. That's what trust fund babies are. Someone before them set up this really nice assets, you know, collection of assets that just put money in their account every day so they have all this space to do whatever the hell they want. Now, if they haven't attached a meaning, they can live a life that's very shallow, right? And still be just as screwed up, even though they have all the money. That's why money doesn't buy happiness. But money can be a big part of happiness, right? Like we have to look at both sides of the coin. Like not having money is not happy. I've been there. It's really suffering. Who wants to suffer? That's part of this. What we're doing is we're moving out of some of the suffering and growth. Can't do it with comparison because that someone's always gonna have more. It can't be more money out there somewhere. And there's no money out there. Like people in the chase, the in the acquisition, like it's out there, I need to go get it. Like, listen to words people use. Like, I'm gonna chase it, go get it, it's out there, go find it. No, we generate it, we create it. That's the magic piece, but then it's very practical. It's a truth teller. So when people are on stage, it's like, I don't care if you're making seven figures, I want to see your balance sheet. Tell me how much money, wealth you have. That's the truth teller. That's how I'm gonna listen to how much money do you have in asset value that's paying you a non-working income because that's the only way to be free. Every what most people are teaching are people I call the entrepreneurial trap, where you're gonna be stuck in the grind for the rest of your life, regardless of how much money you make. There's no freedom. Entrepreneurialism is not freedom. Yeah, that's another bullshit story. We think, oh, if I'm an entrepreneur, then I've, you know, I've got my own life and I'm doing my own rules and my own business and I work for the man. Like, no, but in many cases, it'd be much easier to work for the man or woe man versus being stuck in 24-7 of the grind and the gruel and have to make payroll and this or that without an exit strategy. The exit strategy is the freedom strategy. So why are we doing it? We're an entrepreneur because this is our life's work, and we are able to give that. We can do that in a in other areas too, working for somebody else. But it's a it's you know, it's I just like entrepreneurialism because it's a place where I can create without ceiling. And part of the byproduct, money's a byproduct of our creation, what we can give out, that's the reciprocity, is what we bring in. So, anyway, that's the freedom place, not the retirement place. And we have to know the number. And when you have no debt, and which is a money's law, you can't have personal debt and have freedom. They don't coexist. You can have perpet per you can have financial debt, but that's good debts, it's a whole different thing. But you can't have personal debt because of this thing called compound. And it's one thing, it's it's it's when I'm hearing all these money talks and money's energy and abundance and that type of thing, it's like that's all great, but God bless it. There's words that are being missed that in this money conversation that have to be talked about and understood and built if you're going to have freedom. And freedom's what I'm after. And one of those, one of those words is assets. Nobody's talking about assets, everybody's talking about income, income, income. You make a million dollars, you spend a million dollars, you have to go make the next million to spend the next million. That's the entrepreneurial trap. You're in the grind and you're gonna burn out. It's not sustainable, you're gonna wake up at a certain age and you're just gonna be attached to your business and can't get out. You are totally trapped. So, what we're doing with that is that the only way to get out of the trap is to make income while we're younger and we have a lot of energy, take a portion of income to buy assets. Don't buy lifestyle, you get to buy your lifestyle too, but you buy assets with the knowing is how much does it cost to live your life and don't go into personal debt to do it. Why buy assets? You cannot earn your way to wealth, you cannot save your way to wealth because what how you get wealthy over time is something, the second word that's missing that's not being talked about is called compound interest. And all you have to do is go to Google and type in compound interest calculator and start doing a few calculations, and it is so revealing. And how we get rich, meaning net worth, meaning freedom, you can't buy it, you can't income it and you can't save it because the money has to build on itself. And the magic of money is compound interest, and nobody's fucking talking about it, or putting in the simple math and a calculator. So when we work together, we start doing some of these calculations. And I do one exercise, for example, is called how much is your BMW costing you? Because when we're out, when we have to measure up, and because what happens when our income comes goes up, our social level goes up. So part of what we do as humans is we want to fit into some social class. So when we're our income goes up, let's say we're making, we start with 100,000, now we're making half a million a year. Well, do we stay at the lifestyle and kind of the social status of $100,000 a year? No, we buy into the half a million dollar a year club. And everybody at the half a million dollar club will have big houses and they send their kids to certain schools and they drive certain cars and they go on certain vacations. So we have to be part of that. But we're spending every bit of our half a million dollars and we're not buying any assets with that. That just means now we have to be in the grind of making sure we earn a half a million dollars. But that's not enough because now there's a group making a million dollars. You can see the trap, and I call that the earn spin trap and the entrepreneurial trap. It's worse when you're an entrepreneur because you can't get out.

Yeah, yeah. So I I I wanna I wanna hit a pause because you're on fire and I love it. But I want to go back and I want to define some things for the sake of this conversation. So um personal versus financial debt. Give us give us some some insights on that.

So personal debt is when you buy something on credit, you buy something you can't afford that you put it on a credit card because you wouldn't have the cash to be able to do it.

Okay.

Personal, meaning there's no return on investment. So when you're in the wealth game and not the income game, you care about certain words like return on investment. So what's the return of putting something on your credit card? And this is where I was going with compound interest, is it what's the return when you put something on your credit card because you can't afford it? Who's getting the compound interest?

Not you.

When you're paying interest of 20 to 30 percent on purchases that can't produce more than the interest that you're paying, you're going down versus up. So you're defeating yourself. It's like you're eating the flesh off your own arm. I mean, you can't survive. The number, the math doesn't work. So the credit card companies, why do you think everybody, Apple just came out with their brand new credit card? You know, BMW doesn't make money on selling cars, BMW makes money on BMW finance. Like, and we don't trade car for cars, we trade car payments for car payments. And so that's so business debt means okay, I'm gonna take I'm gonna take on an amount of debt. Let's say if I take on a $100,000 line of credit, I'm using that to put that into an opportunity or my business with the intention of making $150,000 or a million dollars on that $100,000 loan. So the money I plan to make, the return, will cover the cost of the interest and then some otherwise I wouldn't take on the business debt. But when you take on business debt, you if you do it without a strategy, you're probably just gonna burn through and now your business has $100,000 in debt. So that's why when you go borrow money for to capitalize your business and you have investors, investors want to see terms, they want to see the business plan, they want to see the strategy, they want to see the performa, they want to make sure that they're gonna produce a return on their investment. They're just not gonna give you money because you have a great idea and you're a good person and you have a lot of energy. It's like show me the numbers. That's the math, right? So if you're taking on debt or capital, which is a different form of debt, really, because you have to pay it back just through equity or however that is, versus um, you know, there's debt and equity as two forms of capital, really. But again, you're using that money as a means to go to buy human capital, you know, to or buy something so that you can grow or scale or whatever that is. So that's the distinction. Personal loans is just to buy something you can't afford. There's no return strategy on it, and there's no need to borrow money personally except for maybe a house and maybe to get started. But otherwise, you don't because unless you have a return on investment strategy, which that doesn't exist in personal. So that's the difference between personal debt and and and um professional debt or business debt.

How about an asset? Because I think that is uh that's a term that's flung out quite a bit. And you know, I read rich dad, poor dad, you know, a long time ago, like hopefully most people have. Um so you know, understanding like ah, you you you acquire assets, not liabilities. So give people insights on that because I think a lot of people pretend that they know what that means, but I don't care about that.

Yeah, that's a big, that's a great question. I love that question because we're misinformed and we have the wrong distinctions for things. And and some things like what our CPA considers an asset is not really an asset. And that's why Robert Kiyosaki was really good at giving some of these distinctions. And he has one of the he has probably the simplest distinction that I believe to be true, what an asset is. And is asset something that makes you money. So most people, like people I work with, high-income earners, they have little wealth, meaning they're stuck in the income game and they're making high incomes, but they have very little on their balance sheet. And that's that's a lot of the work that I do is help them transition from one to the other and start building out their balance sheet and the strategy and system and the methodology for exactly how to do that, like the how-to system to do that, because it's a structure, not an intention. Intention first, structure second. But with the with the people I work with, you know, they have a two million dollar house and they think, oh, my net worth, I have a million dollars equity, so I've a I'm a millionaire, I have an I have a million dollars net worth. Your personal residence is not an asset if it's not making you money, because you can't use the money to make more money. So there's reasons to own a house, but you even know some for some people it's not the best financial strategy to own the house, it might be better to rent, but we just have this mindset like, oh, you have to buy a house. But again, when we haven't done this work, we haven't answered our own questions based on the life that we want for ourselves, not according to what everybody else is doing or this the cultural standard. So that's just it. So personal residence is not an asset, unless my personal residence, which is a multi-million dollar house, which is completely paid for, I am debt-free. Now, financially, that's a couple million dollars sitting in a house. I'm debt-free. I mean I have no mortgage payment, but it's not an asset in the sense, can I use the two million dollars? Can I go buy groceries with it? Can I feed my children? Can I put my call my kids through college with it? No. It's not usable. So now I don't like the idea of my because I'm such a I love assets. And so people say, You mean you Airbnb your house? Christine, your house is beautiful. Why would you let people Airbnb it? It's like, you know, it's my home and I love it, but I love making money on money, and just having all this money sitting there feels worse. So I mean, I take on the inconvenience of in my house Airbnbs for a nice amount of money. So I have a cash flow, a very decent cash flow from Airbnb in my house that's more money than a lot of people make per year in, you know, in salary by doing that. So I'm intentionally set up my personal residence to become an asset. Now it's not a $2 million asset because I'm not leasing it out every single day, but it's a portion of my that is part of my net worth because I'm making a hundred grand a year just on Airbnb in my house. So it's the idea of turning my personal residence into a portion, what I call a pie chart. Look at your net worth or your balance sheet as a pie chart. My personal residence is a small piece on my overall pie chart because it's cash flow, it's mostly non-working income. Yeah, I set it up and do a few things, but otherwise, it's just Airbnb just puts money in my bank account. They pay pal PayPal me money and it shows up. It's like, you know, weekend, there's you know, six thousand dollars that just popped in. I'm like, dude, that's just really fun money. Now I get to go to Burning Man, you know? So, and it's then it's so that's what Robert Kiyosaki said is that assets are things that make you money. And that's and that's what we're doing when we're building out our balance sheet, is we're creating a pie chart of assets and different types of assets, not retirement. Retirement's bullshit, the 401ks and IRAs and all this nonsense that people think are, you know, this retirement strategy, which just means you're gonna run out of money when you're old. It's not it's not built for freedom, it's built for an old age retirement that doesn't exist anymore. And those things are again, they're just being commodities sold in the marketplace that we've been convinced is the way to do, and it's not gonna make you enough money. Like money has to build money, has to build money. And what I call the flip strategy. So that's what an asset is. And the assets is that so an exercise I have my students and clients do, for example, like I was saying, is how much is your BMW costing you? So a lot of people they're even leasing their BMW, for example, because they don't understand, like, oh, I can lease a bit, I can get a higher class of BMW by leasing it, so versus a $1,500 payment if I were to quote unquote buy it. Now it's only a $750 payment if I lease it. But if we look at if we're leasing cars for our entire lives, and most families have at least more than one car loan, but let's just say, so over the course of let's say 40 working years, how much or 20 years, how much is that $750 lease payment costing you? Saying that over 20 years you're trading car payment for car payment. So you're never driving a car that's paid off. What we're doing is we're funding BMW, and BMW is using the compounding effect to make them billions of dollars. So what we're doing, I teach a concept become like become your own banker where we keep the compound interest, not the lenders. We I'm a lender. People don't loan me money, I loan others because I want the interest. I don't want to be paying interest. So that's a different mindset. Become the lender, not the borrower. Different mindset, different strategy, different intentionality. So that's 750 and just go in, like call me out, go into Google calculator, a compounding calculator, put in $750 payment per month at let's say, I think a 10% interest rate to keep it easy over 20 years. Any guess how much money that is?

A lot. What is it?

For 20 years, for 20 years, it's about $600,000. Whoa. $600,000 is how much BMW made. They made more because they're making it 22% many times once it's all compounded. Once we roll in all this and that, we think it's only five or six percent, but they you roll in all this other stuff. It's actually you're paying far higher interest rates than you're aware of when you when you um look at the effective rate. So that's that. Now most families have at least one $750 car payment in this income class, let's say. Over 40 years, it's five million dollars. Five million dollars pulling out of 4% is $250,000 a year of non-working income. So you've traded $5 million of net worth by having a car payment to fit in to drive a BMW because we're not doing the math. Yeah, the beauty of that, that's one thing, that's part one. Part two is if we put that $750 in the over, let's say, the 20 years, the money we worked hard for is only one third of the $600,000. The rest of it was the compounding, our money making money on its money. So when you look at a piece of the pie, our hardworking income was only two thirds of the $600,000. And the non working compounding was two thirds. So our money made us two thirds more than we if we'd just put it in a savings account and lived off the cash. That's compound interest, it's what everybody's missing. Nobody's talking about assets and compound interest. I'm like, dude, and it's so simple. About abundance and energy and spirit and mindset. It's like, yes, those things are important, but compound interest is the magic. That's the reality. And that's what's not being talked about. And it's what drives me crazy. Just do some simple math. And then we have to have a structure and system. And we have to have our worthiness. We have to get over our old narratives and patterns. And that's part of the work. And it's not just money. Money is just reveals things to us, but we have the same blocks in other parts of our life and fears we need to conquer and belief systems that we need to break through. And money's a really good, you know, when the money starts showing up differently, it's the proof, an obvious proof that we're doing things differently. Where in other parts of life it's more nebulous or more, you can't really quantify it. But money is just, it's math, it's quantifiable. And you know, and then there can be like this sense of healthy pride that comes out of like, wow, I created this as a, you know, based on who I am and what I'm doing, and doing the work and getting over my patterns and doing the stuff that other people don't want to do. And the thing with money, I call it like it's it's a lover, like your another money law is you have to give your money attention. You have to spend time with it, you have to give it attention, you have to love it. I could I have another exercise that I do that's called a gratitude exercise because we're all myself included sometimes, especially because we are in this comparison culture. So there's always, you know, we always have this thing, like I don't, I don't ever have enough. And so, and then when things are financially tough, it's like I need more things, you know, it's so it's this never enough type story we're in and feeling we're in the more so that keeps this angst or this, like, if I could get there, I'd feel better, as opposed to being grateful for every dollar that comes in, even if we have debt, even if these different things, it's still the gratitude of the fact that we're healthy, the fact that we can we can live, the fact that we have people that love us, the fact that we can live our life purpose and be of service and gift and you know, get that out and receive things back. And then when stuff that comes in, if we get over this hang up like that's a bad thing, versus the sense of gratitude for every dollar that comes in. And just be grateful. It's like, thank you, dollar. Like, look at what you're able to do, what I'm able to do for myself, for my kids, for my family, for my health, for my community. I'm so grateful for every dollar like comes in, even if I'm short this month, I'm grateful for the money that did come in. So that sense of gratitude, but you can't have gratitude if you're never looking at your money. You can't ever have gratitude for how beautiful nature is if you're just oblivious and walking right through it and saying life sucks and you know there's no gratitude. So that's the spirituality piece of money is the meaning and the spirit and just the gratitude of like, wow, look how much money did come in. And I want to continue to grow that, but I need to grow me to grow that because money is a byproduct of who we are. Money's just a byproduct, right? It really is. Like we can't go chase it. It comes, it we get it back based on what we give out, but knowing we have to receive as well. So there's just so many money laws that like one of the laws, if you're not looking at your money intimately, spending time, attention, gratitude, love, awareness, you're not gonna have it's it's it's gonna disappear. And I compare it to it's like if you were, if your wife, for example, if you're giving her no attention, if you're busy all the time, just too busy to give her attention, because there's all these other things that you need to do, your business and everything else, but you're giving her no attention. You're there's no intimacy, there's no gratitude, there's no appreciation, you're not telling her thank you. You're just, you know, you just think you've got to go out there and fix all this other stuff first before you give her attention. Like when you get all that other stuff fixed and figured out, then then you know she can get some of you. And then what do you think she's gonna do? Is she one, she'll either stray in the marriage, likely, or she'll end the marriage, or just be unhappy because it'll, you know, whatever those choices are. But ultimately it's not sustainable because it doesn't work that way. Humans don't work that way. Money's the same thing. If you are not paying attention, if you're not looking at every dollar that comes into your household, I teach household business finance. You treat your household as a business, not your business as your business. How you get rich is how well you operate your business household, your household business. And even your marriage has a CFO, CEO business component. If you want to build well together, you know, there's this little piece of your marriage that's like there's the business of marriage, and marriage is one fucking exponential business when you give it a little business time because the two of you can create a lot more than one person, the synergy being on the same page. So I love like what I call power couples and like being very intentional as a couple because you can blow out a single person on the wealth building, not necessarily the income, but the wealth building side. And so, but money is the same way. It's this when you give it time, attention, gratitude, space, um, creation, and just sit with it and see where it's going. You want to make sure it comes into your bank account. Otherwise, it just is going to evaporate like your wife evaporates. It's like, well, why did my wife leave? I loved her. Like, well, she didn't know that. Why does our money just evaporate and disappear? We're not giving it the attention that is required as a fundamental nature's law of money. But very few people spend any time with their money. They're just out hard working for it. And that's that's about as far as it goes. It doesn't work that way. We have to spend time because we have to move money from our income to be able to intentionally take a portion of it to build our assets, to let that money go towards how much is a good enough number. And like I started off saying, is when you have zero debt, it really doesn't cost a whole lot to live a pretty good life. But we're so in to debt to keep up, to live a certain for external validation to fit in. We don't know the numbers, we don't know compound interest, we're misinformed, we're mthinking with our money. We're not, you know, we're overdoing ayahuasca to work on personal stuff, but we're not doing the same work in the money stuff. And money's real, you know, money underwrites the cost of living a good life. But what is a good life and how much money is enough is a philosophical, quantifiable question that has to be determined. So, like you said, where's the hockey puck going? That that's the number. What's your freedom number? How much money's enough for you and your wife and your family to live a good life? And then you create a structure and the intention to let that grow, and then that number, you know, it creates over time. You have that number and you can choose to grow it or whatever the thing is. But once you know your number and you have a structure and system and you're the lifestyle to make that happen, the money anxiety is gone because you know it's good, it can't not work. Yeah. It can't not work. It's algorithm, algorithmic. I mean, that's that's the way money works. You can put it in a calculator. So then it just takes away all this financial anxiety. It's you're like, oh, I'm just in the journey of creating and I know the number and it'll get there over time, and we may have ups and downs. Maybe I get there faster or longer. Who cares? Now we can just be in the joy of living and earning and being and and making impact and being of service and taking, you know, and and and receiving back the gift that we're giving and let that grow. And, you know, our lifestyle, the cost of our lifestyle and the can go up, but not completely. Parkinson's law says expenses will always rise to match income. Expenses will always rise to match income. That's a law, unless we put something like hack it in a way that keeps us from falling victim to that law. That's why that's the earn spend trap, an entrepreneurial trap. So we know there's numbers, and we're putting money, we systematically build our buckets and let our system and the methodology work. It's like, no, I just get to wake up every day and do my work and make sure I'm getting the money that will allow to fund today's lifestyle, my current self and family, and my future self and family, the numbers will work out. I don't have to worry about it. That's what abundance is. Abundance is living in abundance today. It's not a place that you get. Because when you know you already have it, because you're in the journey of creating it, you don't have to worry, and now we're abundant right now.

Yeah. It's the belief that you're on the path, right? And what I keep hearing in the belief.

It's it's it's not even a belief. So the belief is important, but it's it's more than the belief. It's knowing systematically you're you're in building it.

Mathematically.

Mathematically. So it's far. I mean, that's like beliefs are nebulous because we want to believe, but in the back of our mind, there's always like, well, maybe, maybe not. You know, we all have that. But when it's mathematical, it's it's far, it's it's truth, it's proof, it's not belief. So you combine the belief with the proof, with the math. That's the combination. So money is this equal part mystical, magical, um uh just all new uh um uh woo-woo in a way, what I call money magic and how we can create something from nothing and all these different things. And sometimes money just lands, combined with the mathematical practical money's equal parts woo-woo, meaning the magic we can't understand and equal parts practical that we have to put in place. It's like our bodies. That's why my brand is wealthy wealthy. Our bodies, there's so much magic in our bodies. Can we understand this whole system that we have that just magically heals itself and takes care of all these things? And you know, science is getting better, being able to describe some of it, but it's so complex and magical and woo-woo that we can't, as human beings, understand a teeny tiny part of these beautiful systems that operate and allow us to live inside them and do what we do every day. It's magical. At the same time, it's practical that there's these laws we have to follow practically. Like, wouldn't I love to eat ice cream three days, three times a day and just live on ice cream because it tastes so good and just live off carbs and sweets and not exercise and watch Netflix and hang out and do nothing? No, there's the practical side as well. There's the woo-woo of just experiencing and living in these bodies and the magic of it combined with the practical of what we have to do to take care of the magic. So the magic can optimize and do and allow us to live magical lives. Our body, our money is the exact same way. There's the magic piece combined with the practical piece, and you have to do both. But people are too much in the practical, like, oh, what do I invest in? 401 care IRA. That's not the right question. But all the just kind of practical CPA and financial advisors and do this and you know, all that that has no magic attached to it. It's just all about numbers or something. And so it's missing the magic. Then it just becomes about the money. So when we blend these two together, again, that's this synergy and energy and symbiotic, um connected love affair with our money that's a healthy love affair.

Yeah. And I feel like just you know, the more I hear you talk, and the more I think about, you know, conversations I've had with my financial advisor, our 401ks, IRS, um, properties that we own, all this stuff, we're stuck in a very antiquated model of thinking, you know. And um I think a lot of people will probably be resonating with that same thought because it's true, like, you know, I I I hear what you're saying, and in everything that I've worked with, my financial advisor who's a good friend, is is very much opposite, right? Like we have two properties. Well, you know, we're we're getting someone's living in them, they're paying our mortgages. Great. He's like, Well, never, you never want to do anything. I'm like, Well, what if we sold one, paid off the other one completely? Now we have a cash asset, we can start applying that cash to all the different things we want to do, right? It's like, oh, that'd be stupid. I'm like, I don't know. I don't know why. That would be stupid because that seems to make a lot of sense. Plus, there's the other thing about money that's just beyond the numbers, which is the peace of mind, right? The satisfaction, you this is what you're talking about. It's like this peace of mind you have knowing that everything's good, right? Everything's great. Like you have everything, you're you're set. You just got to keep doing the right things and you're gonna be great. And I think that's you know, a part of it too, is how safe do you feel, right? Um, because ultimately we have to live in our own skin and how we feel on a day-to-day basis is ultimately the most important thing.

Yeah, from a financial advisor point of view, the fact that my mortgage paid off is absolutely the worst financial decision. I'm like, yeah, could I make a lot of money on the equity in my house and have that in the market? But the peace of mind that comes that I own my house and nobody can take it away as long as I pay my property taxes is a peace of mind. Like, I own my house. Yeah. There's no financial number that can replace that feeling, right? So when it's all about the numbers, we're not connecting to what's important. Other people, that might, the peace of mind maybe is not necessary for them, but that level of security and peace of mind, and it's worth millions, right? Far more than money can ever buy me to be able to wake up every day like that.

Yeah. How do you teach people all this stuff? What is it? What does it look like?

I teach, I teach through um group coaching. So I teach uh real money methodology, we teach mindset, then I teach a financial structure and system for how to systematically move from income to wealth. And it's the concept that there's three parts of money. There's the income side that's either a business or you know, we, you know, however we make income. Now we take a portion of that income called profit or salary, however. Now we put it into our our real business, our our wealth business, which is our personal finance, how well we run our business, our our household business. We have to be the CFO of our own business. We can't abdicate to the planners, the advisors, it's our life. Do you think your financial advisor cares if you hit your freedom number, if your kids go to college, if you can take decent vacations? No. The especially traditional financial advisors to get their percentage, they want you to set it and forget it so they can collect their fees over the time. I don't believe in that strategy. I believe in flipping. We're constantly moving money in our balance sheet because the set and forget it, yeah, it takes 40, 50 years for that money to actually turn up to any number. But when we can flip it and constantly be, we're the ones that are guiding our advisors. Yeah, we need I have no licenses, but I have very smart people around me that help me make some good financial decisions, like tax decisions and you know, where I place my money and that type of thing. But I'm the navigator. It's like, okay, I know all the model for my balance sheet and every piece of the pie chart, which is I teach people what I do. So I teach an exact methodology and structure, how to move income to wealth, buy assets, the model and the financial system we need in our household to make sure that we are uh I call something called the 2080-20, which is a financial formula for wealth building that we do through household finance. And then we become the CFOs of our household finance. And and it's marriages, you have to be in this conversation. If you have a if you have a business partner and business and you guys never talk about business or finances, how well is that business going to do? Or there's gonna something's gonna happen. That business partnership's not gonna work. Spouses, if you're married and you guys are you know combining your money, you better be in the exact same conversations. Your household is a business. Now, you have the romantic side, you know, we we have our kids as part of, you know, if you have children, that's part of the marriage, right? Raising your children. It's not romantic all the time. It's hard to raise kids. You know, it gets in the way of a lot of things. We have the non-romantic money side of our partnership and our business, but man, this is about our future and what we want to do for our family, what we want to create for ourselves. Then there's the romantic side. Hey, let's just go out and not talk about the kids or money or anything. Let's just love each other and tell each other what we love and appreciate and make sure we have space and keep the romance alive. So marriages have all these different pieces. You know, there's the individual piece, the collective piece. So, but when it comes to money, damn, get on the same page and be business partners, create your future. Nowhere that design together where you're sending that hockey puck and how much money is enough and what are we working towards. Now we build a financial system that's going to allow us to do that. And when you have a system, you can be a spender and I can be a saver because the system allows us both to be who we are. Which most that it sort of eliminates it alleviates the conflict because we go both get permission to be ourselves. And the structure allows us to do that. So I teach the money, I teach all household finance because that's how you get rich, that's how you build wealth, is all how well you do this. And I give you an exact financial system for how to lay it out, how to move money, 2080-20, which is the what I call the millionaire formula. If you follow 2080-20, you can't not hit your number. It's just a matter of time based on how old you are and you know, um, where you're gonna, you know, what your risk tolerance and different things are. And then I teach the model for what is a what is an integrated holistic balance sheet look like that you're designing by yourself or with your life partner. Now we go to advisors and say, okay, diversification isn't like stocks and bonds, diversification is how much of the pie chart is my business, how much of the pie chart are growth assets, how much of the pie chart are cash flow assets, how much of the pie chart is my health and assets, how much of the part, how much of the pie chart are um savings, how much of the pie chart is protection. So now it's a model that I teach people. Now you can use these models, the method, the exact methodology and the models to follow to keep yourself on track. And you just let the, you just start, that's what you're building out over time. You're using your household system as a tool to build out and fill out your pie chart. And once your pie chart hits your freedom number, then the rest of it's just like gravy, right? You just get to optimize. And you know, so I teach most of us are like, you know, it's like disease. If you so again, why I love health and money, especially for those in the health industry, because the parallels are basically identical. But when people are in a disease state, you can't just go, like it took us years to get in a disease state. There's a reason why our body is diseased. And if we catch it in time, it's much easier to reverse illness. And that's what's so great about today is like we can reverse illness, you know, by changing habits and practices and beliefs and radically like changing our lifestyle in a way. But we have to get to a place of baseline. So if we're underneath and we're diseased, we have to change all these lifestyles, habits, and practices and things to get to this baseline of healthy. We're in the baseline of healthy, now we can optimize, now we can look at longevity, we can look at these different categories of health and wellness that we can't do until we hit the baseline of health. Because, and it took us years to get diseased, so it's gonna take us however time much time it takes to get to that place of baseline. Most of us are financially diseased as well. If we have personal debt, you know, these, you know, just different things, bad mindsets, a lot of conflict in our marriage or relationships, that's all but some level of financial disease. And you know, people I work with have, you know, some a little bit and some a lot more. So part of what I want to do is like, first of all, we have to get out of the disease state and reach this place of place of baseline. And then once I work with you and help with you as baseline, now I can help you optimize. And optimization is a totally different strategy than retirement. Retirement's antiquated. It's going to mean that if you live a long life that we want to do with all these technology and tools that allow us to live longer, there's no reason to live longer if you're broke and you're in a retirement home and that is you know funded by the government. So you're living a long time, but there's no life in the living because you don't have the money to actually live the way we want to live to live longer. So the money has to be a factor of the longevity equation. So there's the financial disease getting to baseline, and then there's optimization. I help people do that. And then I can give guidance. I have my own advisors and say, okay, this is where I place my assets and I'm putting money in. So anybody that's interested, here are the terms, these are the things you need to know. You know, I'm bringing this to the table if you're interested, because it took me 20 years to find great people to invest in that have a very counter-cultural approach to this, like not traditional advisory. It's exactly different. Like it's as radically different as traditional medicine and functional medicine or integrative medicine, two different philosophies. And you know, they'll argue against one another. And you either believe in one or the other. They're they're totally different. So I I'm in an integrative, functional uh philosophy of wealth creation, not a traditional one. And I just help people navigate that whole that whole journey.

Oh, awesome. I mean, I I could talk to you and ask you questions for days, but uh out of respect to your time, where where do people find you, Christina?

The easiest way, just go to um Christina.com forward slash call, and I'll do a 30-minute consultation with anybody that wants to go deeper into their personal situation, and I'll let you know if I think I can help you or I'll point you the right direction. But it's just a kn2s.com forward slash call. That's my personal calendar, and that's what I do with a good portion of my time or just having these these types of conversations, but personally versus you know, broad scale.

Yeah, awesome. And uh we'll have links to your website and all that, of course. But yeah, you you laid down some some powerful things here. And I think uh there's not a single person, I would imagine, who's listening to this podcast who won't gain some value, if not maybe life-changing value from the stuff you said today.

So my whole goal is just to bring awareness. It's just it's awareness with any other interesting. This is a this is a new awareness with money that we've never heard before in many cases. And if I can bring that awareness to wake up anyone in this money situation to cause a change, then I've done my work, right? So that's that's that's why I love having these types of conversations openly.

Yeah, awesome. Well, you're doing great work, and I appreciate you coming on. Um, and I think uh you and I'll be talking real soon.

I look forward to it. Thank you so much for your time. It's just such an honor and pleasure to be here.

I know. Hey fitness fans, don't leave yet. It's your host, Eric Malzone, and I have a quick favor to ask. Actually, three favors. So, number one, if you're a fan of our show, I asked you to do something that takes under three minutes. Go to iTunes, please, and subscribe to our show. Please, please, please. It means so much to us, it's so important. And then give us a favorable review. We would really, really appreciate it. And uh, I can't tell you how much it means and helps us out. So it only takes two minutes of your day, and uh it means a lot to us. So please do that. Number two, go to our YouTube channel, our fitness marketing alliance, and uh please subscribe to our YouTube channel there. Number three, if you like this episode or any of the episodes that we've released, share it on social. That's huge, that's a big deal for us, and where we put a lot of work into these episodes uh trying to give you great actionable content uh for the fitness industry. So that would mean a lot. And that's it. So we have some big plans coming up for this show. I'll be talking about that in the next couple episodes. But thank you so much for listening. It means so much. And uh if you have any questions, please reach out to me. I'd love to hear from everybody. Eric, E R I C at Fitness MarketingAlliance.com