It’s time to have a real fucking talk about money. And I’m not talking about the bullshit you hear from so-called financial gurus or the lies you’ve been fed by society. I’m talking about the cold, hard truth about what it takes to achieve true financial freedom.

First things first, let’s get one thing straight – money matters. And anyone who tells you otherwise is either delusional or trying to sell you something. Money is the grease that keeps the wheels of life turning, and without it, you’re just spinning your wheels.

But here’s the thing – money isn’t just about buying fancy cars or designer clothes. It’s about having the means to solve problems and create the life you want on your own terms. It’s about being able to take care of yourself and your loved ones without having to rely on anyone else.

Think about it – when you have money, you have options. You can afford to take risks, to invest in yourself and your future. You can walk away from toxic relationships or soul-sucking jobs without fear of going broke. You can travel the world, establish a homestead away from annoying neighbors, pursue your passions, and create a life that’s truly extraordinary. To get a background on why that is important, read THIS LETTER.

But here’s the harsh reality – if you’re relying on a 9-5 job to provide you with financial freedom, you’re fooling yourself. Because no matter how much you earn or how hard you work, you’ll never be truly free as long as you’re trading your time for money. Your employer defines your value and dictates the time you spend and how you spend it. Your value is determined by you – and you will earn exactly what you are worth.

Sure, a steady paycheck can provide a sense of security and stability. But it’s a false sense of security, because at any moment, your job could be taken away from you. And then what? You’re left scrambling to make ends meet, desperately trying to find another job that will keep you enslaved to the rat race. That’s the point. You are conditioned to think that being enslaved to their system is the right thing to do. Work, eat, shit, sleep. That is not what life is supposed to be about.

You will 100% regret that you didn’t take action sooner once you have achieved your 40’s and 50’s in life. That is when you realize that you wasted precious time that you can never get back.

And even if you do manage to climb the corporate ladder and earn a six-figure salary, you’ll still be trapped by the golden handcuffs of lifestyle inflation. You’ll buy a bigger house, a fancier car, and all the trappings of success, but you’ll be no closer to true financial freedom than when you started. The scope creep of wanting more things and better things will suck the money out of your life faster than you can imagine.

So what’s the alternative? It’s simple – you’ve got to create your own fucking money. Stop. Read that last sentence again. Then read it again. You’ve got to start a business, invest in assets that generate passive income, and take control of your financial destiny. And you’ve got to do it now, before it’s too late.

But here’s the catch – if you’re drowning in debt, you’ll never be able to achieve financial freedom no matter how much you provide for yourself. Debt is the ultimate dream killer, the chains that keep you shackled to a life of mediocrity and struggle. When you’re in debt, you’re not in control of your money – your creditors are. You’re constantly stressed out about making payments, worried about what will happen if you can’t keep up. And even if you do manage to make your payments on time, you’re still throwing away thousands of dollars in interest that could be working for you instead. That not only kills your ability to harvest as much money as possible, but puts your health at risk from the stress.

You need to get very serious about achieving financial freedom, you’ve got to get out of debt as quickly as possible. And that means making some tough choices and sacrifices in the short term for long-term gain.

Here are some specific examples of how to position yourself to avoid accumulating debt:

1. Live below your means. Don’t buy shit you can’t afford, period. Drive a used car, live in a smaller house or apartment, and cook your own meals instead of eating out.
2. Build an “Oh Shit” fund. Set aside 6 months’ worth of living expenses in a separate savings account so you’re prepared for unexpected expenses or job loss. This allows you to avoid spending your longer term assets in the event something short term sets you back. 
3. Invest in yourself. Instead of going into debt for a fancy degree or certification, invest in skills and knowledge that will make you more valuable in the marketplace.
4. Avoid credit card debt like the plague. Pay off your balance in full every month, and if you can’t afford to pay cash for something, don’t fucking buy it.
5. Start a side hustle. Starting a side gig isn’t the gold standard, but just starting somewhere is better than waiting or not starting at all. You can always scale up as your success grows. Use your skills and talents to create additional streams of income that can help you pay off debt faster and build wealth over time. Having only one source of income is insane. Having a main source, second, and third is ideal. The second and third income source should equal your main source. GET THERE!

But here’s the thing – getting out of debt and achieving financial freedom isn’t a one-time event. It’s a lifestyle, a way of being in the world that requires discipline, focus, and a willingness to do the hard things. It means saying no to instant gratification and yes to delayed gratification. It means being willing to take risks and fail – sometimes many times, then getting back up and starting again. Never give up.

It means surrounding yourself with people who support your goals and challenge you to be your best self. What you buy at the store tomorrow to satisfy your immediate need will not even be thought to you in five years. Seeing that money in your long term account will. 

And most importantly, it means taking massive fucking action. Because knowledge without action is just mental masturbation. You can read all the books and attend all the seminars in the world, but if you don’t actually do the work, nothing will change. Start by getting clear on your goals and creating a plan of action. Then, take one small step every single day towards making those goals a reality.

And when things get tough (and they will), remember why you started. Remember the life you want to create for yourself and your loved ones. Remember the impact you want to make in the world.

Because at the end of the day, financial freedom isn’t about having a certain amount of money in the bank. It’s about having the freedom to live life on your own terms, to pursue your passions and make a difference in the world.

So don’t settle for a life of mediocrity and struggle. Don’t let debt and the rat race keep you trapped in a cycle of scarcity and fear. Take control. If you don’t, I promise someone else will take control of your life and I doubt you will like the outcome of that.