Do this in your 40's IF YOU WANT TO GET RICH... Millionaire Game | After Hours

um, what is

this

? What is happening is Anton from antondaniels.com. I thank you all for continuing to rock with me. What is the word ladies and gentlemen? What is

this

condo association fee? Did you enjoy a live stream last night? Did you enjoy a live stream last night? I thought it was great. I am running limited ads and the video may need to be removed even though we were using different ones. In other words, I'll have to change some things. I thought about it last night. I'm going to have to make some adjustments for those of you who were part of the live stream last night. um, you know what I'm talking about. so I

want

to make some adjustments to what we're doing here on this channel and you know, I'm always tinkering with things.

I go to sleep thinking about things. Do you know what's so funny? When I go to sleep at night, I have a lot of things on my mind, a lot of things on my mind, but I feel good today. I feel absolutely phenomenal. Greetings to everyone in the chat, let me acknowledge you all before we start. What's up, kojak, my goddess boy? what's going on shannon what's the word sarah what's going on flex appeal get in the bag get in the bag john jackson uh b9 what's the word what shout out to the buffer gang they had me waiting all night so let me shout britt britt you I appreciate all the super chats I appreciate all the cash apps I appreciate operator g what's going on delvin what's going on everyone get in the bag you're not 40 but you got into the

game

listen listen let me tell you how things are going to go today I definitely

want

to dedicate myself to Cleaning.

I want to give you some of my thoughts. I also want to give you real information and data to help support what I am going to do and what are the important steps that you should take to make sure that you are securing the stock market for the long term if you need to get

rich

if you want to get

rich

if It's important for you to get rich because you want to have options to be able to do the things that other people don't want to do, so you're going to have to make some adjustments, so I made videos of what you should do when you're 20, what you should do when you're 30. , and we Continuing with the series you should do when you're 40 and we're going to get to this money, we didn't get to this bag, so shout out to everyone who kept rocking with me, shout out to everyone in the chat. let me take some of the housework off and I want to get that off early what's up taytay what's up eclectic shaker what's up linsky what's going on what's going on with everyone securing the bag so let me Go ahead and take out the cleaning so we can get this money straight .

Very well, ladies and gentlemen. First of all, I appreciate you giving the YouTube algorithm a like. That's the entry price I'm not asking for. anything except like for the youtube algorithm thank you I appreciate you you are well received and you are prayed for in the morning when I get up I make sure to pray for everyone who connects with me in the morning so that's a to b make sure that you subscribe to the channel, both this channel and my other channel, those links are in the description, so it is important that you link to both channels for several reasons, I will only give you a couple of them, number one, I don't know what It will happen. between these different channels because you know Anton is saying some not so nice things off the cuff so I need to have two channels but I don't realize that this week I need to have two channels so I can make sure that I can secure my spot and being able to have conversations with you, that's a b.

I offer different content on my other channel. I take them along for the ride. I give you all my thoughts. I recently released a video where I was a little more vulnerable. and helping you all understand why I used to do things emotionally and why I had to change, so I am giving you my life lessons and my real thoughts in real time while I leave the house regularly. Make sure you subscribe to the channel and then the third thing I want to do in the cleanup is make sure you all join the patreon, if you're not part of the patreon and you're not going to get that

game

.

I want you to make sure you join Patreon so I can make sure you're safe in the bag the way you're supposed to secure it. Greetings to my friend Clement. I appreciate the super chats. I appreciate everyone's love. I absolutely adore them. Y'all, let me put that Patreon link in the description there, and then last but not least, I'm going to make a little slash, a minor and a big change to the channel, so how was I going to sleep yesterday again, I tell you. all this all the time I'm always in my thoughts I'm always trying to figure out how I can do things more efficiently what people need how they respond to certain things whether they're understanding the game whether people can achieve this through their agenda etc. , and I'm always trying to figure out how to maximize what I'm doing for you to make sure that you're successful, so I made the decision and you know that I experiment with streaming at night and all this other kind of stuff, so I'm making the decision that Monday nights will no longer air, we will no longer air on Monday nights, instead we will move Monday nights to Monday morning, okay, listen to me now, we're just going to stream Monday to Friday basically Monday to Saturday morning in the morning if you don't see it in the morning make sure you stream again and then on Sunday we do it. a little like mid-afternoon, two o'clock, three o'clock or whatever.

Now, what does that mean for the pre-live stream for Patreon members? We're moving it to Sunday so I can make sure more people can. For tapping, I think it's more important for me to tap with you and help you start

your

day, so I think it's important because even with the live broadcast on Monday night, I know I was hearing some comments about people who they know they had to watch the live stream and at night and then they had to come back in the morning and all that and it's exhausting, it can be exhausting, so I'm considerate, I take feedback, I listen to different people in the Facebook group and Discord, if you're not part of Patreon, you're not connected to the Facebook group on Discord, make sure you access that, but I hear you guys, I'm getting feedback and I'm always making adjustments based on how I can impact the most people and How can I interact with you more frequently.

Well, again Monday nights will be moved to Monday mornings. The same thing I'm doing now. doing wednesday we're going to go live on mondays all week monday tuesday wednesday thursday friday saturday we go live in the morning on sunday we're going to do it mid afternoon and then i'll update you guys on patreon exactly when the pre-live stream or the live stream for you guys, specifically when we're going to do that, so I'm going to take feedback, I'm going to do a poll, I'm posting a poll and a patreon today to help try to figure out exactly what times of day are best for streaming preview live or live for exclusive patreon members and then I have some new things coming up so I'm going to live exclusively with patreon members with some of my business partners people in a youtube community influencers and things like that I'm going to do exclusives only for patreon members so if you are part of patreon you will be contacted by people like me, glenn and cameron and I will be contacted with jt pocket watching and I have some people from my own personal um network that I will bring to the platform to help them all understand different things. on real estate finances all nine yards, so it's actually going to be brighter because I'm going to have a better capacity to be able to serve you guys better, and then last but not least for those of you who can't get it. in the Facebook group.

I had to limit the Facebook group because I felt like some people were inviting their friends who aren't part of Patreon and I needed to be exclusive, so when I drop the links, I'm going to be exclusive. continually updating links and updates every week to make sure people who join Patreon have access to the Facebook group, but that link will expire after so many people click on it, so please bear with me working on it and make sure you part with the discord and we're going to continue to do the job right, so now that we've got the housework out of the way, I have to make sure you guys are good.

I want to give you an idea of ​​a couple. different things, so one of the things I wanted to talk to you about besides what you should do in

your

40s and then I'll also repeat what I told you to do in your 20s and 30s in order. To continue advancing the narrative, I also want to talk about or give you a breakdown of exactly where you need to be financially and highlight why it's important for you to make certain moves by leaning into the importance of showing you exactly. how many people and how much money is in people's bank accounts, that's fine, but what's important because again I was talking to some of my friends and we all cut in a different way, shout out to the super chats, I appreciate it, angel, hey.

I know Angel was clenching his fists there. Yesterday I was a little upset because he couldn't kick with me on the pre-live broadcast, but again, one of the reasons I'm moving to Sunday is because I have more capacity to be able to talk to all of you for longer and make sure you don't have time to try to have conversations with you, so I salute you all, but you need to let go of this mentality. behind cash, what do I mean by that? You have to let go of this mentality behind cash and I want to take some calls from you today as well, so let me add that in there, so I want to take some calls at the end of this. uh, conversations about what I'm having with all of you, but now you have to let go of your mindset behind cash.

What do I mean by your mentality behind cash when I used to go to the casino a lot and I used to carry a lot of money I used to carry a lot of money when I went to the casino, sometimes I had up to fifty thousand dollars in cash in a bag with me and often , sometimes when I was leaving the casino or walking into the casino, I would call my host and they would have to have a private security guard meet me and make me park in certain areas just because I had a lot of money on me.

You will now have a private security guard accompanying you. Anyway, but in general, you know, the idea of ​​carrying so much cash is something that I see most of the time, there are so many people walking around with money phones and all that, obviously, I have never Been using all the money phone. greeting, but what I want to say is that you know, I realize that there were a couple of problems in my mentality and that doing it first, obviously, as you know, I explained to you regularly, right, cash is garbage, I don't are. even beating the inflation rate you're becoming a target um it's pure ignorance it's pure ignorance and walking around with a ton of money, a lot of money and a lot of us come from spaces and environments where that was cool, you know, We need to be able to.

To feel it, we need to be able to hold it so that we can make ourselves feel like we are actually doing something. I remember when I was a little kid and tell me if you remember. I remember this when I was a little kid and um, I don't know, 12 or 13 years old, you get a lot of money, your grandmother gave you a lot of money for your birthday or whatever, or you know I was working there back then, but even in back then, you know, I still had the same mentality, you wanted to be like the local drug addict and all that other kind of stuff, right, you want to be like the dancers, the rappers that you see on TV and I know you. you take that 100 bill and you get a bunch of bills and you wrap it all up nicely and then you put that rubber band on it and you make it look like you have a lot of money and even subconsciously in your own mind it feels good to have that knot even though in It actually only cost two hundred dollars, you had a hundred dollars on top and then you had a bunch of knots on the bottom wrapped in a rubber band and it felt good to walk around feeling like the man and all that other kind of stuff, but you have to overcome that and it's a difference between feeling like the man and being the man, that's okay and it's something you have to condition your mind to see and believe and that's why it's important that we take into consideration who we defend and designate as our heroes.

Now the important thing about this conversation is that sometimes we don't even know that we are designating certain people as our heroes because in our outward appearance Appearance in your conscious mind you are saying that I don't admire any of these people, but yes, you do, you assimilate a lot of everything they say, you consume every letter that you can't even have. a conversation without it being some kind of date I've been losing friends and gaining peace you know what I'm saying like everything Iyou talk is an instagram meme or instagram quote most of the time for most of your day.

All you think is how can I make this appointment. Come on man, we gotta stop living our lives the way we like in the middle of your life. It doesn't mean that you are a real person and have real taxes that will be due at the end of the year. May you have a real child who will want to go to college one day. that you have a real mortgage and that you pay the mortgage. company to service your loan additional interest and we do not have to start changing the dynamics of how we see certain things throughout our lives a greeting to the super chats brother Anton, do you prefer sfr or mfr.

I have been investing a lot. in sfr and expanded to two dupli duplex and I'm considering giving an example, wait, let me upload it again, exemplify to quads and follow your thoughts. I don't know what it means to give examples to quads and more, so I'll have to do it. Contact you a little later so I can get more information on what exactly it is. In fact, call, call, call at the end of the program, we will analyze it in detail and talk about it. but shout out to the super chats um but again the point I'm making is that it's not going to happen overnight and you're not going to change the way you look at and view money just by waking up tomorrow morning and looking at things differently, okay, no, absolutely not, you're going to sit still being a snot from the neighborhood, you're going to think about things a little differently in the ghetto so you can prove that you have money, you're going to get in.

You're going to get some money and then you're going to walk into a room full of people who have right money and money is loud, let's be clear, but you don't have to wear an orange suit with a red tie and then have your watch destroyed. and devalue it to show people that you have resources now. I'm not saying don't do stunts, I'm telling you to do stunts, but I'm telling you that it's the right way to stun and it's the wrong way to stun and you don't necessarily have to stun the way other people would rate you so you can.

Justifying exactly how you are financially moving money is loud, but let me tell you. You are something that Patek Philippe Nautilus that 120,000 guy that continues to appreciate over time that does not have a diamond in sight will be worth much more and will continue to be more valuable to those who know that the watch makes noise, let's be clear, but May you destroy it and devaluing your watch doesn't mean anything, that's why you wear that type of watch. I'm just telling you the truth, you use and carry a lot of cash to feel good, because let's be clear, no one likes it.

I'm impressed, I'm looking at him like I'm looking at that idiot who was wearing a bunch of. I look at myself in the past and I think about the times and he carried a lot of cats and I'm like a man. He was an idiot, not only was he a target, but he was walking around with money he should have been making money. He could have been much richer than I am now if he had known the things I am telling you today. things that I am telling you if you do not have your children connected with me if your children are not sitting with you watching the videos that I am going to leave on patreon if your children in your home are not watching the videos you are doing them a disservice and you are holding back the lessons that you will eventually learn one way or another, the only difference is that everyone learns the lessons, the difference is that there are those of us who are actually going to implement and benefit from it and then there are those of us who will just be on the outside watching Saying that man, I wish I had, aren't you tired of it?

Aren't you tired of living, regretting and looking back? in your life and say I wish I had done it instead, let me tell you, man, cash is garbage, it's absolute garbage. 1000, the value of money is what we perceive, but the value of tangible assets continues to increase and exceed. the inflation rate that will always make you richer continuously now again I tell you that money is noisy I don't tell you not to live the good life I don't tell you to get confused, from time to time I still go to the casino and have a good time I'll take 5 10 well actually I don't even carry any money I'll be ready to spend five or ten thousand dollars but I have a marker now I'll get a marker that I don't I don't even play I could bet maybe once every two months now once every two months , but here's the key, the amount of money I play with is so insignificant, sometimes when I go I don't even want to play because it doesn't even mean anything and it's not going to have any impact, so it's not even fun anymore It wasn't the risk, it was the action that drove me.

You see how I had to reprogram myself and change my mindset, even though I have more money than ever. I had more than I can spend in my life, but I'm spending less to entertain myself. Instead I went and bought a season package as you know I'm a season ticket holder for the piston, regards to my boy sabin lee, regards to My account executive I bought a season package for the pistons and since I have clients that I take to games and stuff with me, I can cancel it and I can spend it because it's a way to entertain myself and then earn more business.

For the different things I'm doing, I've reprogrammed and trained my mind to think about how I spend my money differently. I'm spending this. I was spending the same amount of money, twenty-three thousand dollars in a month, I mean, in one. night, I mean, there were some profits there too, obviously, it was a little less than I even lost a little money, but the point I want to make is that the way I consume information and then implement it obviously translates in a way different like As for me being strategic and how I move and it doesn't mean I carry around big wads of cash like some of your heroes that you covet and admire the most, that does nothing but promote you things that are not good for you . it's not good for you it's not good for your spouse it's not good for your home it's not good for your future it's not good for your retirement and it's not a good look we need to change and reprogram the way we think about things who were your heroes and change or reprogram that think about who you follow that is in your network and change or reprogram that think about the things you are teaching your children not by what you say but through your actions and change and reprogram that stop carrying a lot of money a lot of times I have conversations with people I'm training and I say things like, okay, why do you need so much money and why do you carry such big wads of money? cash now whoa anton this is the number one thing they say antoine because you might have an emergency okay great so let's talk about it what emergency might you have that you can't attend to within two business days? could have that you would need more than one thousand five hundred two thousand dollars at a time you don't lose your house overnight, it takes months you don't lose your car overnight, it takes months you don't lose your job and what takes a long time there is a grace period that comes in what emergency someone I am checking in the chat right now what emergency you have because I am not telling you that you do not have the money you can have liquidity but many times we spend it because it is in front of us, why do you think that the Credit card companies can market products so easily and you use that credit card and then end up spending more than normal because you don't necessarily take it into account?

Consider exactly how you are budgeting if you are not part of Patreon and you are not budgeting your money according to how it is that I have taught you if you do not understand the marketing concepts and principles that These companies are using it and then you will be able to implement it yourself yourself from your own business perspective if you're not part of Patreon and you're leveling up as a result, what do you think this is? Shout out to the super chats that I am. the rogue king what do you think this is, you are going to have to do things differently friends and I am talking to you because you are my friends I will never call you a fan I will never call you a follower I will never call you All of that because I don't look at you that way.

You are all my family, all my friends and I want to continue investing in you so you can grow and I don't have to. I'll be rich on my own, okay, let me show you something real quick. I want to show you something. This is the average US savings account balance. Now I'm going to break it down a bit so we can dive into it. Alright, I want to share this with all of you and then I want to share some tips with you based on the title of this video on exactly what you should do at 40 to make sure you get rich, okay, great. okay, okay, okay, so let's get into it, this is the average American household account balance, okay, so let me answer this question real quick.

He says that if the market crashes, you will liquidate at a loss. False, absolutely false, I won't do it. I will liquidate I will buy more I will see it as a buying opportunity and again you guys have to think about this differently the way people really get rich and I learned this lesson in 2008 and I made a whole video about this on my other two channels and I talked about it after

hours

, I learned in 2008 and that's why I move based on what my asset class is, I eliminate liabilities, my monthly expenses, my personal monthly expenses are only hundreds, a few hundred dollars a month in total, if it's not a business expense, I don't rule it out and during the last recession of 2020, when everyone else panicked and everyone else was selling, you know what we did, you know what we did, we bought everything what we could get our hands on. when cryptocurrency went through a recession in the last few months, you know what we did, we bought every single thing we could get, we made crazy amounts of money, crazy, no one is liquidating, no one needs money so bad, what happens is the most. people are not intentional, so what's wrong, talk to them, July, talk to them.

That's why we are here to share each other. The thing is, most of us live paycheck to paycheck and that's what makes you pay off, no, no. market crash because you don't lose until you sell you make a lot more money everything is cyclical you all have to change the way you think about money because you lose when you sell you buy during the fall I make decisions 10 and 15 years out I don't make decisions based on how I sit down tomorrow and then the difference is because I am not living paycheck to paycheck because I have no debts and I have eliminated them because I indicated it to everyone and I emphasize the debt all the time.

It is the number one wealth killer, both in your ability to be able to move successfully when things happen when there is a buying opportunity and also in eliminating the possibility of actually being able to leverage and buy assets and have things that you can actually add value to your life bro, I bought a house around the same time, right after I got out of it, that house is worth a lot of money, listen, the rich make their purses bigger when everyone else is liquidating and panicking, I'm just saying Y'all, let me go over this American household account balance very quickly.

Now American households had an average bank account balance of 41,000 in 2019. Now that number is skewed. Do not be fooled. They break this down, but they followed it to For your attention, it's not accurate, it's not accurate in the context that I'm about to break it down for you, according to federal reserve data, the average bank account balance is 5,300 according to the same data. What are we saying now? Why is there such a big gap between 5300 and forty-one thousand? Well, the reason is because there is a difference between the mean and the median. Remember in school when your teacher told you that you should pay attention to math and you were like oh.

I don't care about any of this because I will never care about the mean and median. I will never be able to apply this in real life. Oh look, we're talking about it now, so now Anton has to do it. Reteach you the difference between the mean and the median to better help you understand how you should take advantage of doing things differently to make the most money possible. Pay attention to school. Tell your kids to pay attention to the ladies at school. Gentlemen, I made a video about what we do in our 20s. Let's recap it before we hit 40.

I promise you, say hello to the super chat. Say hello to cash apps. Let me, let me really cook. quickly let me cook up all the difference between the mean and the median, so the average bank account balance is 41,000, but the average bank account balance is 5,300, which means that's the middle number, so which the median means the mean is the average, so you take all the numbers of all the people who have a bank account right, every person in the US and then you add up all the amounts that are in the account bank account and then divide it by the number of people who have bank accounts, let me summarize that. for you once again, you take the whole number, the whole amount, all the people who have a bank account, each one of them, you divide it by the amount thateveryone has.in those bank accounts and that's how you get the average, okay, but that 50, that's the number 41,000, this number 5300 tells you that there are more people with fifty three hundred dollars in a bank account, that's The number in the middle is a whole.

Many middle class people have fifty three hundred dollars in their bank account. Now the number forty-one thousand, the reason it gets so big is because the number is skewed because those who are in the top five percent, the top three percent, the first. percent have a lot more money in their bank account and there is less, but the average amount in bank accounts is still affected by that large number, so let's say hypothetically that you have fifty three hundred dollars in your bank account, let's just say for the sake of In conversation, we're not going to say brokerage account, anything like that, right, let's say you have 5,300 in your bank account and I have 5.3 million dollars in my bank account and there are many of you who have 5,300 in your bank account and then you have a bunch of people who have 32 in their bank account about to get overdraft fees when you take all of us combined and then divide it by the number of us in it if you take all of our bank accounts and You combine it and then divide it by how many of us have bank accounts, the number will increase to 41.6, but let's be clear, there are many more people who have fifty three hundred and thirty-two dollars in a bank account.

I have 5.3 million and that's why the numbers are so skewed. There are many people who only have fifty thousand three hundred dollars in a bank account. That's what I'm telling you. Okay, this is real talk. "Everyone needs to pay attention. I know it's important for you to watch Love and Hip Hop tomorrow. I know it's important for you to watch the football game tonight. I know it's important for you to focus on college football, but I need you to do that first." .Do the hardest thing, which is the best thing for you, and that is paying attention, so I can give you an idea and a game on how you can level up financially.

Let me summarize this number very quickly for all of you. 41,000 is the average .bank account balance because there are many people who have much more than the average amount and the average middle class family has in a bank account which is actually only fifty three hundred dollars. Okay everyone follow me let me know I'm paying attention to the chat, let me know if I need to slow down because I don't want to leave anyone behind. Okay, if you want me to slow down and recap this. I have a little time. I did something. I created some capacity in my schedule to to be able to rock with all of you today because I want to pour myself into you.

I want these morning sessions to be more about what you can do to be more successful in front of us. just focusing on entertainment so let's cook all of you, let's cook well so that the average bank account balances provide a clearer picture of the savings of American households because the average balances are heavily influenced by outliers at the high end that They have larger balances, which is exactly what I just explained to you guys, plus let's explore in this study that the average bank account balance varies widely depending on other factors, such as income, race, age, ethnicity, education and employment situation.

Okay, so let's break this all down. We'll break it down by average household bank account balances. Let's get into the income percentile, which is: are you in the top percentile? Are you in the top five percent? The top 10 percent want to be in the bottom 20. That way, we're going to break it down by age and by ethnicity and then last but not least, education and employment status, so I don't want to hear any excuses from anyone saying that, oh Anton, I want to try out for the Olympics. of victims, no, no, I want you to be intentional and understand what you are up against, life is a competition and there are many people, many people competing against you every day, so look This data goes up to 2019 and again is based on Federal Reserve data.

Okay, this is real data and in 2019 this is up to 5,300, which is the median, which is basically a real picture of exactly what most people have in a bank account, but in 1989 it was 4,800, in 1989 They were 4,800, in 2019 they were fifty-three hundred dollars. The average number was 28,000 and 41,000 and that number is again skewed by people who are on the higher end. they have the most money in their accounts that's crazy right you're no more progressive than we were 20 or 30 years ago that's crazy that's absolutely crazy and then when you adjust for the inflation rate think In this regard, what is inflation?

Let's recap the amount of money it took to buy a movie ticket in the 80s was around three dollars 3.50 the amount of money it takes to buy a movie ticket today is between 12 and 15 don't go uh imax don't go to the d-box experience at the local movie theater will be significantly more double, triple, quadruple the amount of money, the amount of money the money was worth or what the money was worth back then, if you adjust for the inflation rate, is significantly more than what you have in your bank accounts today, let's continue, ladies and gentlemen, the average bank account balance by income is the strongest predictor of bank account balance, as Americans in the top income decile have average bank account balances 27 times higher than Americans in which they do not have a second job, especially since it is very easy for you to do whatever task you are doing and then you can double your income, which in will ultimately double the amount they have to invest and then everyone makes fun of me?

I'm telling you the reason you need to do it is because the quickest way to wealth is to be able to be more intentional and then when you get that money, you don't go out and waste it, so you have to do it. be intentional about how you use those resources, don't increase your standard of living, increase the amount you invest, but let's go over it, um, look at this as the opposite, so the bottom 20 percent of the bank account medians the balance is actually eight hundred and ten point eight hundred and ten dollars right at the top, the average bank account balance again, this is the amount that is in the middle for those in this specific percentage or this percentile is 70,000, but those who Those at the top are earning significantly more, bringing the average down to $230k for those in the middle of that particular percentile.

Is everyone paying attention? Is everyone focused? Come on, come on, I need you to not have a short attention span and I need In order for you to be able to focus and understand what I'm telling you, the average bank account balance is 70,000 for those in the top 10 percent, which is approximately the average amount of what is in the middle with all this half percentile in this bank account, but the number is skewed significantly more because those who are in the top one percent have significantly more, making the average 230 thousand dollars, but those who are at the bottom have eight dollars and eight hundred and ten dollars those who are in the bottom twenty percent of the population.

As for your income from work, half of you only have about 800 in your bank account and again, let's take this out of context, we're not going to say brokerage, we're not going to talk about any of that, but those. that's on the high end of that 20 they make so much more and they have so much more in their accounts that it skews the number, but the middle was only $810 and then you can go to 40 to 50 percent, 40 to 60 percent We're looking at four thousand dollars that are more in line with this number up to here up to 5300.

There is a difference: there are some people who are making significantly and they are those who are just struggling to keep going trying to figure it out while they go and wake up like an accident let's talk about balance by age those who are under 35 3200 those who are let's say 55 let's say 45 because we're going to talk about 40 what you should do at 40 to make sure you get the most money possible 6 400 that's not a big difference all of you have less than 35 and then 45 to 54 are just looking slightly above the double as slightly double in the count, let's go down to the non-Hispanic white ethnic median, which is the average number of those who are in this entire race eighty-two hundred dollars the Negroes fifteen hundred dollars at the bottom of the barrel you can look at the Hispanics 1900 another 5000 maybe it's the victim of the Olympic games maybe it's systematic oppression maybe it's systematic racism really really that's what we're doing today because I'll just tell you that when I look at this number I help you all when I look at this number these two numbers here I help you significantly because the amount of money I got is crazy which means the number is skewed even more polite there are people who continue to tell me it's important having just a high school diploma is a gap of 2500 listen it's a fact that you make over a million dollars more in your life when you have a college degree now how do we understand that college degree is the conversation we need to have but let's be clear if you don't have a trade if you don't have a college degree if you're not intentional about continuing to level up so you can Even if you do manage to get into certain doors, you're going to be significantly handicapped compared to other people who are working 2,500 versus 15,000.

That it's just the middle if you got a college degree where you're in the middle. There will be about 15,000 in your bank account and then obviously there are more people who have a larger amount in a bank account, which obviously skews it and that's why you see these numbers on the right side, okay, it's a big difference. I have to go to school and get into a lot of debt. You can do it successfully. I have done those programs. If you want me to do it and go deeper, I can, but I'm trying to tell you that there is a difference between. those that have and have nots, we have real life examples, data and statistics and can back up exactly what I mean.

I wish this broke it down exactly by what type of college degree you have, but it doesn't. This is just from the federal reserve, okay, average bank account of those who are employed and not employed. I don't really see it as necessary, but my point is that it's important that we start taking into account what it is. that we are consuming and for us to start paying attention, engaging ourselves, the only way you can know if you are doing good is to have someone to compare yourself to in terms of competence, that is the only way you can really know if No, you are successful.

Have you ever heard someone say something like I'm just in a race with myself? No, no, no, no, you are not people who are in a race with people who have already won. everyone else, but let's be clear, this is a competition, this is very much a competition, we are in this race against everyone else, you want to compete against your next door neighbor, you want to compete against the guy, listen, I don't know no one who is on the basketball court. talking about I just want to be here because it's fun, no I'm here to win, that's one of the reasons we're going to play 11. one and two, because if that's the case, we could just put up jumpers all the time. day, game. 21 go to the gym we can start saying that nonsense but let's be clear at the end of the day it will be like I gave you that job we are in a competition with everyone else there will be some halves there will be some have-nots there will be an annihilation, a continuous annihilation of the middle class i will link the article i will link the article i will add it after the show you want a competition in everything you do you want to get the best girl you want to get the most feminine person you want to get the person who will align with you we don't play for participation trophies it's first place is last place is first place and then it's everyone else, let's really talk, let's get into it. what they're supposed to do I want to have a conversation about what they're supposed to do at 40.

I had a conversation about what they're supposed to do at 30 and 20, so let's repeat all that. Okay, and then we'll dive into what you should do at 40 to ensure you get rich at 20. I specifically highlighted six things you should do, maybe I need to link to those videos. On this too, let me know when you are 20 years old that you need to increase your income and forget about the markets, stop being so enthusiastic about focusing on the current state of the markets and focus on increasing your income, stop gambling, educate yourself. Decisions two, forget about your passion and chase that bag, chase your opportunities.

No one cares whether or not you are living your passion, whether or not you can prove that you can plant a bunch of woven baskets and sell them. We want to be a don't listen to money is a means to an end and we need it to buy the things we need andwe have the options to do what we want to do, chase the stock market and forget about your passion, okay number three, never go into debt unless you are becoming a doctor, I don't want to see anyone who is not an anesthesiologist, a doctor , something like that, that's going into debt, you don't have to do that and I'm not just talking about school, I'm talking about anything, credit card debt, car debt, whatever, avoid it like the plague.

I'm recapping what you need to do when you're 20 to get rich okay never number four assets tell the difference between an asset and a liability liabilities things that decrease over time assets things that continue to gain value assets assets assets that's the The only thing you should focus on is not stunting your friends' growth, not trying to do things to impress people who don't even care about you, right, number five, suffering and not improving your lifestyle, it's It's okay to stay in your mother's basement even afterward. you graduate, you work, you pay off the debt, make sure you are safe, don't improve your lifestyle, focus more on securing the stock market, most of the time you all are just trying to change your lifestyle anyway so you can get a little chicken in there but let's get to it let's get to it I appreciate it they don't know it but today I'm a cook we're all going to do this job today I do a lot of entertainment and then we got the return let's talk about the program, greetings to lapeef network, they, uh, jr, are doing King Talk tonight, I give you all a lot of entertainment, but today you are going to get this job number six, shoot, take risks and do things that no one else is doing, go after that job.

You're young, I used to tell myself all the time and when I was 20, Anton, you're young enough to get yourself together, try this, start that business, do things that will really add value to your life, so now let's go. to go back to your 30s, recapping your 30s, what did I tell everyone to do in your 30s to make sure you get rich? Pay yourself first between 10 and 20. It comes in many different forms, whether you do it or not. You continue to invest in different things etc, pay yourself first, join Patreon, make sure you align with the budget that I highlighted for all of you and that I just put in the chat link that is also in the description of those of you who are relaying make sure you budget incorrectly that's still part of paying yourself first number two stop saving and start investing you don't need savings accounts checking accounts yes you need a checking account because you still you have to do it.

You get paid at your regular job and you need direct deposit and all this other kind of stuff, but that's not where you keep most of your money. You need to open a brokerage account because you need to invest and you're not even earning. the inflation rate when you have your money in savings and checking number three find out how you can pay less taxes several ways you can do it I review that on Patreon also 401k you are paying less taxes on it at the beginning because it is reducing your adjusted gross income, you are paying it After taxes, but you won't have to pay taxes on the money as it continues to grow and compound, and you'll be able to withdraw it tax-free later, the Roth 401k is contributed to your work health savings accounts.

It's a tax trick that helps you save for future health care expenses, but like a 401k, you can invest pre-tax money with your employer and you can invest money. in your health savings account listen, these are real gems, if your children, if you and your wife don't go and take notes of the things that I'm telling you on these live broadcasts, you are doing yourself a disservice to someone number four. I said it in the chat quit your job, what do I mean by quit your job? I'm not saying that quit and then try to live life in a van that's not what I'm telling you I'm telling you that the company you're with will never give you a big enough raise than the company that will pay you more. as a result of his departure.

If you had a job for three or four years in a row, the purse will be significantly higher for the company you go to. versus the company that you stay loyal to to take a little bit of risk start that business that business will also be the one that continues to reduce your taxes while increasing what we would call assets because it will become profitable one day, if you are not familiar with how to start a business and make sure that you can legally take advantage of what you can write off in taxes to be able to invest in this business, you need to get on Patreon, okay, number five, manage the lifestyle and become a Minimalist, most of us will start to level up at 30 and we will start to have bigger bags.

What I see people do is the worst and the most important thing is that they start to improve their lifestyle and align it according to what you are starting to do is you start getting a raise, you get that bigger house, you start driving bigger cars. , whatever, and so on, if you're not doing it the right way, you're not letting your assets and invested money pay for your lifestyle, you're starting to increase the amount of money you're paying to maintain a lifestyle. life, it's a difference, okay, okay, let me see what's going on here. I have to make sure everyone is with me.

I'll check the chat right before I get to 40. uh, number six, eliminate all debts. You have to get rid of debt. When I tell you that debt is the number one killer of wealth. When I tell you that debt is the leading cause of death. of wealth, ladies and gentlemen, I'm not, I'm not kidding, I'm telling you it's going to be the thing that completely destroys everything you're going through, okay, so let's jump in, let me check the chat and see what's up. "Everyone's on hold, one second. Let me make sure we're all lined up. I want to make sure everyone understands this.

I don't want you to know what I'm saying. Act like I left you all." behind, I appreciate the patreon, I appreciate the super chats, I appreciate the cash app for those of us in our 20s. Are we still following the same budget? Keep on a second design that you talked about on Patreon. Yes, absolutely, you follow the same budget. Okay, okay, so let's go. get into what we're supposed to do at 40 you're going to get this job today you're going to get this job today very well the first thing you want to do at 40 and you're not going to do it like this because when you get to 40 you start to feel Since you have less time to prepare properly, it is a critical time for you to start really focusing on the growth of your goals, you will start to feel like time is slipping away from you. and I'm not even 48, I'm 39.

Okay, but I talk to people all the time and they tell me their feelings and I even pay attention to it because when I started getting up when I was 30, Man you know I have a lifestyle pretty dumb. I want to be able to maintain this, so I was intentional with the things I wanted to make sure I maintained when you hit 40, you'll start to feel like it's time. is moving away from you. I'm going to be honest and I talk to all of you many times and I tell you all the time that what you do when you are younger becomes more exaggerated as you get older.

Okay, it gets more exaggerated. As you get older, what you'll find is that if people are intentional in their younger years, it's much easier to continue those same good habits into old age and not say 40 is old because you're only in middle age, right? TRUE? The point is if you don't start biting these things in the ass and taking care of business now you will never get rich, you have to start now, so the first thing I want you to do, and this is not It's going to be what you think it will be. It's but let's get into the real meat and potatoes.

It is important for all of you. It's the reason I'm in the gym every day. I need everyone to be healthy. Are they listening to what they say? What I'm saying is that I need you guys to be healthy. The first thing on my list for you to make sure you get rich at 40 is to be healthy because, let's be clear, you will never get there. will I ever really be able to enjoy it I always said I wanted to be one of those older people who was vibrant and made changes in their lifestyle, real talk, do you know when you start and have this as a friend again as part of my competition is my new position in this new job that I got, do you know that so that you can expand the amount of coverage that they give you as far as life insurance in your new job, okay, so this is usually what happens well, what happens is that they give you a standard amount of coverage, so let's say it's six months, sorry, six years, so whatever your salary is multiplied by six, that's generally what your coverage will be right, let's say it's like that .

If that's the case so you can increase that, let's say you want it to be 10 times your salary, they will send you to make sure that you get a checkup, you have to disclose all your your health ailments all that if you are diabetic etcetera you have to go and get tested all these different things count what I'm telling you is that it is important for you to be healthy it is important for you to be healthy, you have to stop smoking, you have to start exercising, you have to start eating well, start to have a better diet, start going to the gym, start staying away from all this red meat and start eating more vegetables on a regular basis.

You want to age well so you can truly enjoy what you put in, invested in, and worked for all your life. Okay, that's something I'm not going to spend a lot of time on. You're going to spend a lot of time on it, you have to change your way of thinking and you have to go from a payments mentality to a net worth mentality, okay, I see a lot of people on a regular basis all the time, you know what they are . Lean towards how much my payment will be. They use it to determine what type of car they will buy.

I have seen 84 and 96 month loans as if it were a crib. I'm paying. complete investment properties before people pay off their cars, you're financing cars for six, seven, eight years, you're basing what you're doing based on what the payment is going to be, you're doing 30-year mortgages based on what it's going to be the payment so you can get as much house as possible and you're not even going to use all of it, what will my payment be? you will be the one financing when it comes to a company and klarna and everything For this other type of thing, you have to get away from the payment mentality and start looking at things from the perspective of net worth, which is one of the reasons why which ones and how I invest in real estate in a very different way than the people who are trying to convince you. cash flow if I go too fast and it's too deep, you guys start telling me and stop me because I'm paying attention to the chat to see what's going on, right, you need to get away from this payment mentality.

It's number two, you're being nickel-and-dimed, you have all your subscriptions and everything that's going on, you have Netflix, Hulu, Apple TV Plus and Peacock Network and you have coffee-based subscriptions and all this. Different shit, you're nickel and dying, you've got door board and food center and you're paying for your laptops on a financial plan and you're paying for your cell phones on the financial plan and every single thing you do you don't even realize Realize that you are nickel and diming yourself to death and you are absolutely destroying your net worth because you are looking at everything from a pay per second perspective instead of looking at things from a net worth perspective again.

I had this conversation with all of you about getting your budget in order and even with women, we had these conversations about high value men and the type of men they want, when really they're asking the wrong questions because it's not about making six figures. a it's about how much you keep b it's about your net worth if you make a hundred thousand dollars a year I say this you take home about 67,000 a year in most cities in most states it's not a lot of money it's It's not a lot of money. They speak truth. I tell them that net worth is much more important than how much you make on the payments you make, so you need to change your thinking from payment to net. car bills and bills and insurance and all this other crap and TV subscriptions and your phone and the Internet and food and clothing and taxes and health insurance all these things are killing you, destroying you. completely every day, okay? so the third thing I need you all to do now again we are in the 40's the third thing I need you to do to ensure that you get that

millionaire

status I need you all to get this

millionaire

status the third thing I need you all to do is maximize your retirement and accumulate aggressively.

I will never tell you something that I am not doing myself. The first thing I did when I signed up. You know, when I will receive. my benefits package or whatever I said, how much can I max out? They said you canhit a max of 60 to make sure you meet the 19,500 threshold for your 401k or your raw 401k or whatever, and then you know I'm coming. eny I go all out when it comes to accumulating and investing aggressively when I tell everyone that the amount of money I have for my personal finances or my personal expenses is minimal every month hundreds of dollars I am a millionaire I pay hundreds of dollars when it comes to my real personal finances, it's all intentional, I'm maxed out.

I need every year to hit that 19-5 number when it comes to this position I'm in while I'm here, you have to max out if you're not at least hitting the threshold to get the max when it comes to your matches in your jobs, make sure To take advantage of your

hours

and get them, you need to maximize and accumulate aggressively, get a retirement calculator and start calculating the gap between where you are and where you want to be, you can do this in your 20s, but I'm emphasizing that it's important that you do it now, If you're in fidelity like me, you can go in and you can put in all these parameters and say hey, this is what I need to live comfortably and withdraw this amount of money per month and then it will tell you the gap and how you need to be able to catch up. day. or what you need to continue to contribute to make sure you meet the threshold of what you want and the lifestyle you want to live when you start to get older, you need to reverse engineer what you need, okay, this is what I need don't go by the what you contribute, you continue so you need to reverse engineer, you start from the back first and you are working your way back to what you need to contribute in order to do it, if you can't reach the maximum, make sure you increase your contributions each year by up to a percentage point, at least one or two percentage points each year, you won't even notice that it's gone, it's how taxes come out, but they actually benefit you, the general rule of thumb is at least 15, but if you can maximize the piss each year, it's okay, that's number three, all of you with me, number four, I need you to adjust your wallet, right? to select different funds that are in your account so that it's more aligned with what your goals are in now the key here for you is that asset allocation is very important right when I say asset allocation, let's just break it down because I know there are some people who are here from a beginner stage and others who are a little more advanced in asset allocation, just breaking down how much money I'm spending on assets and then how do I allocate it appropriately to For example, when it was much more young and I started talking to my loyalty advisors every six months and stuff like that and said, "Hey, am I invested in the right things or whatever we based on where I wanted to be long-term?" and then we adjusted what I invested in based on my age and the volatility I was willing to endure as you get older, you want to have a little bit of a safer investment strategy because you're moving into retirement, but when you're younger you want to make sure that you've adapted to be a little more risky and volatile, etc., because you have a higher risk tolerance at the ceiling, the maximum and the The rewards are much greater, but you have to start adjusting your asset allocation and adjust the performance of your portfolio depending on where you are and if you pay attention to what I'm saying at all these different points, you'll realize that it all works together. maximizing your retirement by accumulating aggressive shifts in your thinking to move from pay to net worth and now we're talking about adjusting your portfolio based on where you are and where you need to catch up on contributions, all those different things you need to pay for. go through and have conversations with the investment companies you're investing in or the platforms and be able to adjust things accordingly.

Number five, number five, ladies and gentlemen, diversify your income and start making more investments outside of your retirement portfolio. What does that mean? investing in real estate for example, I'm a real estate fanatic, you should have a stable job where by now at 40 you can have a little more room to play and you shouldn't be in debt. like if you were 30 if you paid off a debt, okay you wouldn't hurry up and pay it off, hurry up and pay off that debt, but you need to start being and being able to have a little more wiggle room when it comes to your ability.

Able to invest and make strategic decisions as to how you are supposed to move in the long term. Diversify your portfolio outside of that again. I like real estate. I have decided to start starting more businesses. I become a silent investor in a You need many different platforms to monetize the things you start doing very well. These are the different ways in which you also start generating passive income. If you don't have the amount of resources you need, then you probably need to get a second one. work and that's a whole different conversation but what I'm saying is you need to start diversifying the amount of money you're accumulating outside of what you're making the most of and trust me as you get older.

I'm going to start to really appreciate the fact that you can rock and that number that you see again based on what I was talking to you about at the beginning of this livestream, that number that you see initially is correct. is going to start to explode and you are going to start to like to take a look at your bank account balance and your brokerage account balances and you are going to start watching the appreciation of your properties and your real estate and your investments and how well your businesses and all that other kind of stuff your business acumen will be excellent that will be the most important thing that walking with that money phone will be the most important thing that walking with that money phone Listen to me Are you all listening to me?

Is everyone listening to me? Are they rockin' with me? Do you really understand what I'm emphasizing? I will tell you that the sixth thing that you need to do is one that is going to be one of the most important things, besides because all those other kinds of things, besides being healthy, all those other things are actually things that people are more inclined to do, they're going to call, they're going to adjust the asset allocation. your wallet they're going to make adjustments or whatever etcetera this is what you really need to pay attention to when you're 40 it's going to be hard for a lot of you it's going to be hard for a lot of you all of you it's more important than ever ladies and gentlemen listen to me I need you drop the dead weight I need you to drop the dead weight you're going to have to change your circle more than ever You're going to have to change the people you align with and what your network looks like more than ever.

If you don't change it now, you will always be in a bad girls club, a bad boys club, you have to get rid of it. of your friends and toxic people who aren't going in the direction you're going and replace them with people in your network who can actually help you get to the space you're supposed to be in, that's going to be the hardest thing you can do. all the things I've said I said six things and twenty-six things and thirty-six things and forty yes all the things you're going to have to do this last thing this sixth thing I saved for last because I knew I was going to make you feel uncomfortable with all the things things you will have to do.

You will have to get rid of environments, people, conversations, social media platforms, Facebook groups and all these things. Don't spill it on yourself because if it doesn't make you more money and help you level up from a character perspective, you don't need it in your life. I don't care who it is. I don't care if she's your mother. I don't care who it is. I don't care if she's your mother. I don't care if it's your dad I don't care if it's your ho I don't care who it is if they're not moving in the direction you're supposed to go you're in trouble and you won't get rich I guarantee you, you won't get rich rich hanging out with those same people from the neighborhood.

I promise you that your cousins, your siblings, all that other kind of stuff, all these people that you're in code with, they're not going to help you go in the direction that you want. You're supposed to get in, I promise you, if you want to understand who you are and you really want to figure out what you're like and you want to understand what your investing habits are, all you have to do is look at the people you surround yourself with. most require five people to pass by, check your phone, pick five people you surround yourself with the most and I guarantee you are a reflection of them financially socially how you look how you dress fitness everything you are a reflection of the people around you yourself with the greatest amount and I tell everyone I tell you that you have to do it, it is by any means necessary, you have to surround yourself with people who are going in the direction that you are going, I'm talking about who you hang out with in the work, if you hang around with those bugs at work, you're never going to get where you're supposed to be, they don't even take you seriously because your circle at work is people who are always the lazy ones and the little bugaboos that you hang out with. why would they take you seriously do you want a promotion you apply for a promotion good luck with that good luck with that they will hold you back and prevent you from being successful and I'm about to drop this link because I want to hear from you all.

I want to listen to people who may disagree with me more than people who align with me. I'm curious. Just leave the link in the chat. I want to see what they have to say. Hey, you realize there's no buffering today, but there is in these last two shows I made. I wonder if it's because I changed the content I'm talking about. They don't want me to talk about certain things, but we. I'll talk about it on Patreon. Greetings to the members of my Patreon. Greetings to the members of my Patreon. Shout out to everyone who helped me with the cash apps.

Superchats. Thanks, Brit, I see you, baby. Thank you, Brit. Thank you for the cash apps thank you for the super chats thank you for everyone who holds me down um I just dropped the link I just dropped the link but I'm telling you that you need to change the people you surround yourself with and I say it It will completely destroy you if you are not intentional and do not take care of business, so if someone wants to reach out and you want to have a conversation, you have a question you need to ask me. I just left a link.

Let me answer. Let me put my headphones on, I'm not doing that, give me a second, give me a second, give me a second, give me a second, give me a second, family, give me a second, I've got you, everyone's going to have to make some adjustments. 'We will all have to do things differently, telling you that your mom can't help you, your dad can't help you, the only person who can help you is Anton from antondaniels.com, okay Viking, you have to underestimate yourself fam, what happens? on tom, what's going on in the family, how are you feeling well, good man, just started working, man, like I said, I've been listening to your podcast for a while, I work two jobs, I'm a college student, I'm getting to that bag, you I know, congratulations, definitely, one question I have is I was going to say when you say you know how to make a sacrifice because you know I'm 20 years old, I'm a dream, you know that and I'm still trying to get out of it. this flexible culture mentality and also, you know, the parties and all that, I'm really trying to be rich when I'm 25 or 30, so how do I do that?

Do you know what the mentality is? I have to do? you mean you're trying to get out of the flexible culture what is that what does that mean like I like like I want like I want to be able to but what is trying what is that word? what's that? You're still part of the flex culture, but you're still trying to get out of it, yeah, yeah, because pretty much, I'm basically trying to be like your friends and your cool kids, yeah, that's what I am. I'm about to ask you, yeah, who are your friends that you hang out with, some of my football teammates, why, because I don't really, if I'm very honest, I don't like talking to anyone else like your teammates. soccer team, why?

I'm not with the nerds, those are the ones who are going to be rich, listen, I'm telling you it may not sound good right now, but I'm telling you those are the ones who are going to be rich, that's what you want to hear. you build now as part of them they will be part of your network for life. I want to be with them. I've gotten rid of all the cool kids, bro, I got rid of the cool kids a long time ago. ago I only date squares if you ain't a square you can't rock with me bro I want to be a part of one of the cool kids bro I know and I definitely get it too since I do that with a couple I do that with a couple of kids I don't date with them, but I get some kind of social network or contacts to, you know, build a connection like in the future, no, that's not how you build a network.

To really participate in a life your circle needs to be the nerds, if you can't get rid of the cool kids you will avoid getting rich, you might still be able to do it but that's the way it will be. much more difficult than the flexible culture is dead who do you say let me tell you something brother the things that are great the mates the the the the tall ones and listen to them I know the green pines I know everything uh I know all that brother listen to you talk to a guythat let me show you something, man, I have everything, let me show you, I have them all, I have all the js, I have everything, come up, I have all the yeezys, I have everything, bro, I don't know.

I know what you're looking for, I know what you're trying to do right, but guess what the difference is? I actually own a resale business and the reason I was able to understand exactly how it worked was because of my nervous friends, the football team. Since everyone doesn't know anything about that reselling business, they don't know how to get it, no, and as I say, you will have to get rid of yourself so that you feel that your life is very valuable. bro, so you feel like I'm wasting my breath just being around them and also trying to teach them like, oh, we should be talking about money, we should talk about this and that instead and just talk about no, you need to talk. about money about people with people who want to talk about money, okay, I mean, do you think this is the key?

You don't have to make any big announcement like: Hey guys, I'm leaving all of you. I gotta go hang out with the nerds, right, you don't have to do all that, but what you do need to do is start spending more quality time with people who are going in the direction you're going. Can you see what I am saying? that's what's important so spend your free time and your time doing the things that will really add value to your life and I'll just tell you a flexible culture, I'm not even talking about anything, you know what it is.

That's ego, right, that's all ego and it just makes you feel good about yourself, but the cards you're looking for are the same cards that will pay off when they really matter in your life. Look, they're not going to mean anything, they're not going to be classics and none of that other kind of stuff, listen, if you can get girls, you're in college, I know you love these hoes, right, that's normal, you love these Hoes, right? We all love these hoes right, I tried not to focus so much, but I mean, it is what it is, but listen, listen, let me get you a real set for my og, if you can't pull it without flexing it, then you won't.

I don't need her anyway, it's okay, she's going to rock with you anyway, bro, all you have to do is be honest and tell her what you want, make sure you wear a rubber, make sure you buckle up, don't have Kids, listen and I mean, you know. I'm not going to tell you what I do because you know I move a little bit differently when it comes to my ethics and my morals and I'll talk more about the Bible, but I'm just being realistic about who you are because I was you I was 20 years old in a moment, but what I mean is be intentional, focus and if you go with the baggage and let's see what your game is really about, you need the bagger on a bike, anyone can pull up and get a girl that you know what I'm saying based on the flex, let me see what your game is really like and bag without even having to do all that right and also, like I said, I'm also on Patreon.

You know I'm writing in all the videos and you also know I'm really trying to clear my head, you know, because you always talk about character, you know, because money makes you more than what you already are, absolutely you, if you really want to. to know the game go for that go for that uh that square nerd girl you know what she's going to do go for the square nerd girl oh square nerd she's going to fill she's going to fill she's going to win uh the one that everyone ignores is the one that you want, the ones that everyone is chasing right now, they will end up fat, they will explode, I tell you the truth, brother, because there are also a couple of girls that I made one for and they already have one.

Pregnant, I was like, damn, I'm glad it wasn't me, no, don't focus on the ones that are for hot girl summer, focus on the ones that will actually add value to your life, no, of course, yeah, it's OK, it's OK. my friend, it's okay, Ben, I appreciate it, it's okay, bro, yeah, we'll get to this bag today, bro, we'll get to this bag today, dude, it'll be good, hold on, roi, give me a second, give me a second, give me a second, what's okay, give me one? Second, my friend Rita Skeeter, how was school? Rita just came in you guys, I'm sorry, I gotta say, I gotta say, your school was great, come here girl, you look like a sandwich, do I have to show you off again?

I got something, yeah, you look like a snack over there, maybe I need to show you to the public, baby, okay, okay, what's going on? Roi, I'm getting distracted, I've seen her pass by, I said, let me say, let me prepare. She, you know, listen, foreplay happens all day, so you have to prepare, yeah, always give her juice and all that, you know what I'm saying, I listen, you have to admit fault when she comes in, so No, I only had one. What I went over your list, but I think there is one thing I don't agree with on your list and I don't know if you said you should listen and the order of importance.

I did not do it. I was naming things, but go ahead. Okay, you're just naming things. Well, I didn't really have any disagreements, but I guess one of the things I share with Lissy is that you know I think too many times whether the person is 40 or 30 years old. 20 The biggest thing I'm starting to see even on Discord is that a lot of people just want to jump right into investing. I know you made a video talking about the order we should do this, but most people are trying. keep investing like they feel like they're going to miss out when really they should be spending more time getting out of debt yeah but what I'm saying is they're actually pimping themselves the other way around but look look at the list though roi um and That's why I came back.

I wanted to repeat what I said about the 20s and 30s because this is assuming that you have already paid off your debts, right? You know what I am saying? So no. You're absolutely right, you shouldn't, which is why I say debt is the biggest killer of wealth, but assuming you're out of debt, even when you're into investing, it's not like a lot of people think it's investing and They are gambling and they are not investing because they really don't have any real idea why they are doing what they are doing. I posted a video on a patreon for everyone and I was telling you the eight steps that I use. or the eight things I use to evaluate whether or not I am going to invest in a company and when I invest in a company I look at it from a long-term perspective.

I'm not looking to get a short hit. I'm not looking to go up and down right now, you know, I'm not day trading or anything like that, so it's a very intentional thing that you have to do to really be able to evaluate the relationship between management debt and earnings. a company. Well, you know, there are a lot of different things that people need to consider in terms of how they invest, so even the ad as a warning, in addition to what you're saying, a lot of people are gambling and not investing, and it's a difference that's right. , they don't even understand cryptocurrency, they don't understand anything regarding what it is, they heard from someone else, but I think it's important for them to spend some time researching and delving into better understanding why they are doing what they are doing instead of just do it because everyone else says it right and that's right, we're actually saying the same thing, but that's something I just wanted to point out because I think a lot of times people just start investing based on the tremendous investments, you know, you know what other kinds of recommendations people get, but first of all they don't have a solid foundation, yeah, and I think a solid foundation should only be three funds that you're going to rot with for the duration, you're basically going to have them and you're out of here. until you die, I don't know if they really need three, right, but I'll do it.

I only say three because it gives some people that's a little more advanced, it kind of captures everyone in the middle, yes, but the challenge is that most people just start investing, they have debt, they already You know, credit cards, things like that and then they go straight to stocks. market or go find them to trade with US or whatever the case may be, but they haven't leveraged a 401k yet, yeah, so yeah, okay, give up a 100 rate of return that you won't get in any other company at the moment. at least or I mean because since I'm in trend when I just got this new position, I chose not to do the 401k and do the raw, sorry, the traditional 401k and do the 401 roth, so because because I'm It's strategic because I understand that I have enough tax write-offs to avoid having to worry about paying an additional amount of taxes up front on my adjusted gross income, especially when it comes to my businesses and being able to take them. well that's a little more advanced but the point is I decided to do after tax roth uh 401k roth or roth 401k so that all my investments that I invest in grow tax free so anything that takes more later in life because again I'm paying attention at 10 20 30 40 50 years, everything I take later in life grows without me having to pay taxes on it by properly compounding and a lot of people are not intentional and that's why I say they need to know how to look at their asset allocation and what they are investing in.

You know they have to be very, very intentional and you know when I broke down to 20 versus 30, those things were a little less complex. that the work you're going to have to do when you're 40, that's right and then the other last thing is I think once people start investing they really need to take advantage, they can really take advantage of the Roth ira because what most of the people When they talk to a real estate professional, especially if they want to get into real estate, they will tell them to take the money out of their retirement vehicle and that just doesn't make sense when you can take advantage of the Roth ira that you start so early. as possible the month in which you could withdraw the capital after two years and you will not pay any tax penalty.

Well, okay, let me bring it with you because you're a little bit more advanced when it comes to investing, so listen to the difference between a Roth. 401k and a roth ira entitlement is an individual retirement account entitlement. roth ira is something you do separately from your work. The Roth 401K is something that happens through your job and the Roth IRA is something you do individually. You can literally go to any platform. fidelity whatever and create a Roth ira right now and you can contribute up to six thousand dollars a year if you are married, you can earn up to twelve thousand dollars a year even if your spouse is not working and that money operates in the same way as the Roth 401k and it continues to grow tax-free, but the penalties you have to incur as a result of being able to leverage that money to do certain things are very different than what you would have to do until now. like their traditional retirement accounts, so I still include them in the conversation so I don't lose them yeah, yeah, you're right, you're absolutely right, so yeah, but yeah, but I recommend that you know that like I do.

You said you made it clear because I know you know, you just read the discord and check it. I've seen a lot of people doing a lot of different things and you have to say something, yeah. I did, but I didn't want to go back and forth because you know something, yeah, listen back, if we don't argue about anything, let's argue about how we can make the most money possible by educating each other. Yeah, no, I don't mind arguing about Cardi B and Meg the stud and all that, I don't mind arguing about this money, money, money, arguing is productive, so I encourage you to, yeah, argue about it, okay? and then two, um, because what I want everyone to know, you care, you kind of stop thinking about doing my scream, do your thing, uh, but that's one of the things that my new son is going to be, his name is going to be intentional millionaire and basically I'm going to talk about net worth, helping people help young men really focus on that, but then I'll talk about the nuts and bolts of some of these things that we're talking about here and then I'll bring up the entertainment, you know, having dotted skin and looking half Chinese, you know we can have fun because people sometimes ask me if I'm on drugs and I say no, I actually look like that, but anyway, yeah, that's where this. that, but yeah, I just wanted to prefer that because I think we have a lot of people, we have a lot of good things that we can do to help our communities, I just know, you know, having the background. and I didn't want to give that up to really be able to genuinely guide people in the right way and give them the right information, it's something that I feel is a great thing, a good thing, so I've been doing this and no.

I get paid for it so yeah yeah yeah I agree so your channel was going to be an intentional millionaire and we will support you fam once you get it up and show up you know you can promote it I've got your back , so I'm fine, that will work, but yeah, I appreciate that. Keep up the good work. You know, and I like that you're changing things as time goes on, because that's really cool. because then we could, I mean, I learned a lot from listening to other people's questions and stuff, so yes, absolutely yes, we're going to do it all day and then some afternoon on Sundays and you know, be able to access the live broadcast of Patreon andpretty weird yeah man I just wanted to touch it even though that's all the questions I had and everything yeah okay family okay I'll email you okay you too bro give me a sec antoine , give to me. one second um it's not gary vee I'm familiar with gary's shirt I know gary vaynerchuk um I'm just going to let me connect with the audience and give you a little extra context it's not gary vee it's another guy and he a great youtuber i know garyvee, i know garyvee's podcast and all that.

I have garyvee's books crushing them. I'm not going to run over there and grab it again, but I have garyvee's books smashing them, so it's not garyvee, although garyvee talks about nfts. a lot of it is also another person and I don't remember what his name is, but he is another person who talks a lot about nfts and gives a lot of information about it, but I will have to investigate and find out who he is. It's uh, what's going on, Antoine, what's the word, family, not much, man, how are you doing bro, absolutely phenomenal, my friend, can you hear me, yeah, I can hear you, it's a little delay, but it'll get you, amazing, amazing, you know, uh, i've been rocking with you for a while, Anton and man, I love what you stand for and you know I value everything you say.

I would say this. You know you are a married man. I am also a married man. uh 37. uh, I'm a real estate millionaire, so I have 11 properties, uh, they totaled, uh, you have to be there with me on a point four, you bought them well, you know, it's, it's, it's, it's, it's , it is, it is, it is, it is, it is, it is, it is, it is, it is, it is, it is, it is, it is, it is, it is, it is, it is, it is, it is, it is, it is, it that you talk about especially for people who are younger is to increase your income first and so on, and you can do that within corporate America, then you can start rocking on the side, but it's one of the most important parts.

That's what I think, as married men, we miss and we don't talk much, here's a piece of Anton, we have the benefit of being married, our partners, our wives are basically our other hand, so for example, when I'm working and doing things like this. My wife is looking for real estate for me. She is the person who actually sends me offers. Talk about that thing about having a partner when you're in a good relationship and you have a wife, etc., how much it benefits you to improve over time because it's not just one person, it's actually two people, it's like it's a double entitlement, it's like two, two people, me, getting the money, getting the bag, while my wife.

I'm actually trying my best to help me get the bag and also talk about that part that a lot of people just don't know about because they might not be married and So, you know, what's interesting about this is that I talk a lot about um , as I have highlighted when I made videos about how wonderful marriage is and its benefits, because many times people want you to talk about it. Even though these are the laws and you know they want me to discuss over a thousand different benefits that married people give compared to single people, but you know I also try to include in that conversation the importance of how my wife has played an important role. role and even I, you know, designing and making my restaurants, you know, she, I leaned on her a lot, as far as you know, her experience in the restaurant industry and her familiarity in terms of becoming a district manager and also almost becoming in operator that owns McDonald's. true and I leaned a lot on the lessons that she learned from that to be able to design and curate my menu with all the different principles and things like that, there are certain rooms that I wouldn't have even been able to go into if it hadn't been for her being friendly and friendly with a lot of these people that I do business with wives even today, even very much like yesterday, everything I do I'm saving time and you know, time is the most important asset for us, I mean, it's the most important. thing for us every day, she saves me time by making sure to empower me and she already has many of the different things I look to do on a daily basis prepared.

My wife was one of my most important assistants, like she literally paid. she a salary to be my assistant and supervise a lot of the different meetings and things that I did on a regular basis and most people don't understand the importance of being able to take advantage of her marriage and what she's doing to be able to make sure she's successful. A lot of people think that marriage is about sex and love and all that other nonsense, and they don't really understand how you can leverage marriage to make it one of the most important assets if you want. net worth is your net worth the closest person to you when you're online is your spouse that's right, that's right and none of that is the tax when you have them on your does, no, they missed that part, but you don't No, don't tell them everything, Anton, don't tell them everything, but here it is, you know, it's a big part, another part too, uh, Anton, is that true?

You know, I'm very similar to you, software engineer, um. I ended up working in sales and the reason I chose to go into sales is because my wife was in sales, and I can tell you this. I went from making a little over 200 to now, this time of year, 490. I just make sales. I am a corporate man, but also in my own company. But having that partner gives you the confidence that will allow you to take risks and also allow you to really increase your income. over time and and if you don't have that a lot of times, especially us as brothers, we have imposter syndrome and before you know it, we're afraid to take those risks because eighty thousand dollars seems good.

A hundred thousand dollars sounds good to us no, no, that's that, that's chump change, that's chump change, now it's absolutely chump change, and I and you know it's me, it's almost like the task For me it wasn't just giving to people. the information, but it's exposing them, you know, one of the reasons I felt like it was a good opportunity for me to even be able to take this new job, this new position was to help them understand that millionaires come in so many different forms. able to generate wealth and all these different things that we do on a regular basis.

Most people I know, I would say 90 of the people I know actually have a normal day job and that's the way they do it. I've been able to take advantage of what they do to be able to make more money, but the point is that I don't think many of us are even exposed to what it looks like to make that kind of money. of money in a normal job people have no idea what it's like to earn half a million dollars in a year they don't know they don't know that we work for the bonuses they don't work they don't know anything about that, they don't know anything, man, and it's amazing for a lot of people, but you know, that's just part of the task that I try to take people on a daily basis in terms of exposing them to different aspects of life and how people who move in a certain network because a lot of these people they don't have conversations, they're not on these platforms, they don't participate, they don't continue to reach people, they just have a network of people that they continue to move with and you know they just live, they got their place in Naples, you know what I'm saying and they go and they come and they just have a good time, but you know they'll look I'm like I'm crazy just because they're not, I understand it's partly because they're just not used to seeing someone like me to give them this level of information, like that that it takes them a little time to arrive, yes, yes, yes.

Well, I say that this exposure is key, I think education is key. I promote the educational part a lot on our platform on the Black Heights platform and things like that, but here the other part is also education. it let me know when I was in a certain role to raise capital and it paid off, our company went public today, I mean, well, this year, that's pretty incredible, it's really and that's how you go public, anton and Many people don't know about IPOs, they don't know anything about how to get involved in startups. Listen, no, that's it.

You know, I'll do whole shows about it, but it's okay, we'll get there. I appreciate you bro I just wanted to come just to cut it with you uh patreon uh member uh i i i i love what you're doing keep educating and um you know keep holding it down my man I appreciate it thank you mister wade I appreciate you family and you know I think one of The most beautiful things to me is that other people like you can come and have these conversations because it shows you that I'm not an anomaly, this happens more often than you do.

Realize that it's just that you're not exposed to what's really going on and what's happening in these rooms, so I'm trying to bring you all in and help you all understand that so you can really level up. First you will have to change the way you think, not only about money, but also about life and the different people you surround yourself with. It's not about keeping it real and cold and all that, it's about a different, we plan a different game than everyone else plays, yeah, but yeah, I appreciate you even getting on the platform and continuing to contribute, my friend. , I absolutely appreciate you, brother, take care, it's okay, thank you, my friend, it's okay, brother. telling y'all I'm bringing my man b9 wait b9 give me a second let me uh let me cook for a minute I'm telling you I'm trying to tell y'all and I'm trying to expose you "It's all because of the idea that when I say that money is loud, you see me and Mr.

Wade who I was talking to, right? I can guarantee you that Antoine, Mr. Wade, is not having these conversations with ordinary people and one of the reasons. The reason Why he doesn't have these conversations with normal people is because people like him and I get pushback from those who don't really understand that money and resources are noisy, but when you walk into the room with a group of people who understand this and they understand these concepts and they move in a specific way, what happens is that we don't look at it as if the other person is trying to stun us, we look at it as if we can really take advantage of what each person knows and to continue to make sure that we continue to ascend, we become stronger. each other and we don't see it as a gimmick but as an opportunity to share each other, so the first thing I'm always trying to convince you all that you have to change your way of thinking when you have these conversations and get into these things and I tell them to get out of the victim Olympics because that's what's going to stop them. about really being able to level up and become the person that you're supposed to be, what's going on, ben, how you're feeling, how you're doing as a family, I'm doing great, man, you're my guy, you love, brother, how are you?

I have had no complaints, I hope you and your family are well. Please send your wife and daughter. I absolutely love them. Thank you so much. Thank you very much as always. Man, these are great topics. You know, I haven't had one. opportunity to intervene in the latest live broadcasts, but as you know, I watch them all, yes, I know, I know you held me, I'm going to get the bag, but whenever it is, whenever it is, whenever it is. I'm available, I'm always going to make sure I'm in tune with what you're talking about because you're making us all great like I said, I hope everyone realizes, uh, my friend, oh, you like it, I said, no, I don't.

I don't give compliments man I just report the news you hear it come out of my mouth whether it's good or bad that's what you get yeah absolutely so you've been getting phenomenal calls from uh roi uh to uh this is the people on me plug this patreon part and the discord they're doing their thing man we all win we're all trying to do this get this job and level up phenomenal calls uh mister wade the guy who Just got another phenomenal call, uh, I want to ring. I quickly understood what he was saying because he tapped on the importance of your wife or your help helping me and he really broke down, you know how that works, it's not about being barefoot and making sandwiches and this and that, of course, we have to do it. eat, of course, we want to be taken care of or whatever, but she's making his life easier and in exchange for making his life easier, she can now get more than she would have done with her own hands, yeah, and the word synergy for some people.

I just don't realize in normal mathematics, yes, one plus one is two, yes, but when you have the right synergistic elements together, one plus one really can be three really can but you go deeper you go deeper into them now you're going to think about them because a lot of people don't understand listen man I can take I can take a certain synergy From a person, I can adopt a certain mentality because when you are talking to people and they are infecting you and this is good or bad, right, you can go back or forward when you are having conversations and they infect you, they infect you in more ways than one, it's not just what they say, it's their behavior, it's the way they speak, it's the encouragement or the discouragement, it's everything we do is a learning experience. behavior in this life no one woke up and knew everything they knew about money, all of us at some point had tomaking a transition in terms of the people we surrounded ourselves with and the level of information we wanted to assimilate based on what we knew or didn't know, it all affected us in one way or another, so we don't have to be intentional about to the things we do, the things we take on and the people we surround ourselves with. which is one of the reasons why I said it was going to be so difficult for people to do that last thing and get rid of the people that they didn't do and that wasn't helping them and in fact helping them get into the direction that they're supposed to go. that they need to go and that's going to be the biggest thing that's going to keep them from being successful and I'll be honest with you, the last thing you mention is what I have the biggest struggle with, okay? because I love my family my family uh my parents in particular made me the man that I am and I will always honor and respect them uh even absolutely and I put that in my children so that respect lasts when I'm dead and gone, yeah, yeah, yeah so there's no doubt about that but that being said they just don't have the financial education that I have and they want and unfortunately ignorance is bliss and when you don't know for some strange reason I always have enough to survive, but it hurts people like me to know that you can turn those cents into dollars into hundreds of dollars and thousands of dollars.

You have had many more years on this earth than I have been here. Look, you don't have compound interest and rollovers and then like you say, I've been taking advantage of all the programs. My parents' generation was the generation that really got involved in government, yes, and 401ks first started. For them to not be on the same page that I'm on and be able to pass on that kind of legacy and dynasty and for me to have to be the creator of all of this and put all of that on my back, it definitely has. It has been easy, but God only gives you what you can have.

Yes, I agree, so either way, are these Victim Olympics or this or that? But I agree with your point that even when you love them to a certain extent and certain circles you can't enter, yes you are not invited because it will take me longer to unlearn you than to learn you, yes I agree and we all make those difficult decisions and When we get to where we're supposed to get, we let them see the fruits of those workers and then that's when the light seems to come on for them after we pass the yellow finish line and our chest breaks, uh, but they don't get as far far away like us. you're in the process of doing it yeah that makes sense you're totally right my friend no no you're totally right bro you're right I'm just putting it in a different term than what you said which was the number six. off your list, yeah, so I just wanted to tap and say that as always, you're right on point with my last point because I know you have other people you have to talk to or whatever and other things to do.

It's uh roi, I will definitely subscribe to your channel, uh, you are going to do great things, I am always tapping with you in the chat, so I know you know what you are doing here, good friend, and he is punctual, so Definitely I'm going to subscribe, but it's the first time I'm going to do this because I see what you are doing and I see that I can be of great help. My channel is b9 nizzle for the first time but please subscribe. It's because I'm going to fill in by talking about ROI, yeah, I'm talking to the blue collar guy, I'm talking to the guy that doesn't necessarily have a 401k option and he's just pulling it out of the mud and if he doesn't work, he doesn't eat or Even those people if they have the mental discipline and fortitude to tighten their belts and crush even those that Anton calls the dusters, if you get serious and have a serious mindset, even you can make a dollar out of 15, yes, and That's where I come in, you better subscribe to Anton's patreon, you better stick with Anton because what I'm doing is nowhere near the level of what he's doing, he's next level, stuff that everyone we try.

To figure it out, fam, I have to understand that we're all trying to figure it out like I'm here to fill in those blanks and let everyone know in a real talk that it's 2021. Everyone can do it. If you convert 100 into a thousand dollars, it's 900 dollars, you didn't have, yes, period, and the last point I want to make is that the savings are greater, that's why Anton is doing what he is doing with his 401k and this because saving is greater than winning, yes. Anton is breaking it down for all of you, if you make a hundred thousand dollars, you will get 66, at best seventy thousand dollars, but if you save a hundred thousand dollars, you will have a hundred thousand dollars, yes, so saving is always going to equal. are winning, so the principles that Anton has given to all of you do not write them down and when the current ends, treat yourself like your church and go out and sin 50 million live from this life of what this man has given to all of you . giving y'all the game and he's giving me the game it's not just you it's me too I'm a loyal listener yeah oh my god I've got your back bro make sure y'all subscribe to b9 uh that's my boy.

I thank you family, thank you very much brother, God bless you and his family, as always, keep doing what you are doing. I hope we are successful, everything I can wish for and this is the first time I have had to call from you. I have accepted your position, congratulations, thanks buddy, it couldn't have happened to a better person, it just shows that these old eyes of mine are working well because everyone else sees what I see in you, thanks, I appreciate it bro, thanks . Lots of family, take care bro, you too family, hey, listen, I think it was a phenomenal livestream and I hope to have more like it every damn day.

I'm going to pour them all out, um, yeah, you did. babe, I absolutely love you Britney, I love you all, I love my Patreon members, I love everyone who continues to rock with me, we're going to do the work that we're going to put into each other, we're going to rock. together we're going to do what we do, we're going to promote each other, we're going to continue to push positivity in this world where everyone wants you to be negative and they want to hold you back and they want to hold you back but I'm going to pour into you every day everything I give you. .

I'll be sure to bring it to all of you and show you and give you all the game on how to move differently. right, I love you all, I thank you all again, make sure to share the channel, make sure to continue to hold me down if you haven't already, make sure to join the patreon, that link is in the description and let's go. for it to explode I love you all I appreciate you all and I will see you tomorrow at the same time tomorrow peace