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Hey friend,

I reached financial independence in my 20s by breaking money rules that may have worked decades ago, but are straight-up hurting you now. Let me share some outdated advice you need to quit ASAP if you want financial freedom before you're 65.

College will make you rich
While society tells you that college is the best and "safest" path to financial success, you can probably see, perhaps even amongst your own friend group, that this doesn't always pan out. In fact, many people are buried in debt 10-20 years after graduating. With the internet and AI, you can learn almost anything for free. College can be great for some, but it's definitely not a necessity for financial success.

The 40-hour workweek
The idea that every job takes exactly 40 hours a week is ridiculous, especially when studies show many people waste half their workday. I personally work about 4 hours daily, sometimes more, sometimes less, but I get paid for what I create, not how long it takes.

Talking about money is taboo​
Growing up, many of us didn't hear our parents talk about money. However, I've noticed successful people discuss it constantly, while those who struggle financially avoid the topic. If you trade your life for money but never plan, discuss, or learn about it, your finances will suffer forever.

Save 10% of your income​
Unless your goal is to still be working until 65, please don't do this. I know so many people who get to retirement age and actually CAN'T stop working. I would say to aim to save at least 50% of your income. Sounds insane, right? But saving 50-75% of my income from a median salary job is exactly how I escaped. How much you save is WAY more important than how much you earn.

Pay your bills with your income​
Most people earn money and immediately pay expenses. Wealthy people do it differently – they earn money, buy assets, and those assets generate cash to pay their expenses. The game is simply buying things that pay you monthly. Lower your expenses, buy enough assets to cover them, and then you're free.

Don't take risks with your money​
While I'm not saying be reckless, there are so many new opportunities that didn't exist 5-10 years ago. If you're scared of high-interest savings accounts (4% vs. 0%), index funds (10-11%), real estate, or starting a business, you're missing out on serious money through opportunity cost. The landscape has changed – don't let fear keep you stuck.

Want to get serious about your financial freedom? First step is tracking where your money's going. I'm working with a company that is building a free budgeting app (basically it's like Mint, but BETTER).

It's not out yet, but you can join the waitlist for free: https://yt.gbult.co/wize​

No credit card needed, just sign up and be among the first to get access when it launches.

Stop trading your entire life for money and start making money work for you.

Later,

Gabe

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