Greetings! It’s Tuesday, September 23rd, 2025. There are 99 days left in the year. As in “I got 99 problems but wealth and wellness ain’t among them.” We all want our goals to look like a straight line: Set a goal → Achieve it. But reality looks more like this: doubting, learning, failing, practicing, struggling, feeling lost… and only then, finally, achieving. The difference isn’t in the path—it’s in the persistence. The key? Grit. The refusal to quit, even when the journey feels like two steps forward, one step back. 💰 In wealth: Saving for an emergency fund feels slow until one day it’s there—protecting you. 🏋️ In wellness: Building strength is weeks of sore muscles before that weight finally moves. Every stumble is part of the process. Every detour builds resilience. 👉 Your call to action: Don’t mistake the messy middle for failure. It’s proof you’re still in the game. Stay gritty. Stay in it. Your breakthrough may be just one more rep, deposit, or decision away. You got this! ⸻ millionaireME: Happy • Healthy • Wealthy • Wise 🐷 🪽

Good morning. It’s Thursday, September 25th, 2025. There are 97 days left in the year. Of all the choices in the realm of exercise, walking stands alone as the most impactful—physically, mentally, and spiritually. Physically Walking strengthens the heart, boosts circulation, lowers blood pressure, aids digestion, and helps maintain a healthy weight. Unlike high-impact exercise, it’s sustainable across decades of life. You don’t need fancy equipment, just a good pair of shoes—and ideally, some open sky. Mentally Walking clears the fog. Studies show it reduces anxiety, enhances memory, sparks creativity, and even combats depression. When you’re moving forward physically, your mind often follows—finding clarity, solutions, and perspective you can’t reach sitting still. Spiritually From Genesis to Revelation, “walking” is shorthand for life with God. Enoch walked with God. Abraham was told to walk before Him. Micah 6:8 calls us to “walk humbly with your God.” Walking isn’t just a way to get from here to there—it’s a picture of daily companionship, obedience, and transformation. And why outdoors? Because nature always has been—and is—the first, best, ultimate cathedral. A mountain trail, a park path, even your neighborhood sidewalk becomes holy ground when you realize you’re walking with Him. The fresh air lifts your spirit, sunlight fuels your body, and nature whispers reminders of God’s presence. 👉 Call to Action: This week, carve out time to walk. Not just to exercise, but to connect. Walk with intention—breathe deeply, listen closely, and talk with a friend or God as you move. It could be the simplest, most powerful step you take toward health, wealth, and wisdom. 🚶‍♂️💡🙏 #millionaireME #UnleashYourInnerTBA #WealthAndWellness ⸻ millionaireME | Happy • Healthy • Wealthy • Wise 🐷 🪽

Greetings! It’s Thursday, September 18th, 2025. There are 104 days left in the year. One day, my dad looked me in the eye and said something that’s stuck with me ever since: “Enough about wealth management. I want to hear what you have to say about wealth creation.” At the time, I was already deep in the world of managing money—allocations, risk profiles, market cycles. But his words hit me like a splash of cold water. Managing money matters, but, without a doubt, creating wealth in the first place is the foundation. If I could go back to my 20’s with what I know now, my mind would run straight to these simple but powerful truths: 1. Live below your means—don’t flex for people who don’t pay your bills. 2. Start investing early—compound interest is your silent millionaire-maker. 3. Save before you spend—not the other way around. 4. Build an emergency fund—life happens, be ready. 5. Learn a high-income skill—it opens doors that a degree alone cannot. 6. Avoid lifestyle inflation—just because you earn more doesn’t mean you should spend more. 7. Budgeting isn’t boring—being broke is. 8. Focus on assets, not liabilities. 9. Side hustles matter—they teach you business and add income. 10. Your 20s are for building, not balling. But alas—we can’t turn back time, can we? On the bright side, though, as the proverb reminds us: “The best time to plant a tree was 20 years ago. The second-best time is now.” 🌳 And, lucky us, thanks to my dad’s good question that got the wheels turning, we aren’t without an answer. Or hope. For we have the ultimate strategy and community in the way of millionaireME! So whether you’re 20, 40, or 60, the same truth applies: start creating wealth (and, while at it, wellness!) today. 👉 What financial advice do you wish someone had given you in your 20’s? #millionaireME #WealthWisdom #UnleashYourInnerTBA #Happy #Healthy #Wealthy #Wise 🐷🪽

Good morning. It’s Friday, September 12th, 2025. There are 110 days left in the year. If you had to reduce “financial freedom” to one simple, undeniable definition, it’s this: 👉 The ability to live off the yield (interest, dividends, or distributions) from your investment portfolio—without eating into the principal. This is not theory. It’s the gold standard in our industry, built on the 4% distribution rule. __________ 🔢 The Math Behind Freedom Here’s the long-form equation: How much you want per year × (1 ÷ 4%) = How much you need invested Examples: - $20,000 ÷ 0.04 = $500,000 invested - $40,000 ÷ 0.04 = $1,000,000 invested - $100,000 ÷ 0.04 = $2,500,000 invested Of course, there’s the shortcut: Desired Annual Amount × 25 = Portfolio Size Needed. That’s the math hack—but skipping the “why” misses the point: it’s about sustainable withdrawals, protecting your portfolio against inflation, and ensuring longevity. __________ 🛠️ How to Get There Faster The math may be simple, but it isn’t easy. Here are a few accelerators: 1. Spend Analysis – Free up hidden dollars: cancel unused subscriptions, negotiate bills, refinance debt, or simply say no to cash-suck purchases. 2. Eliminate High-Interest Debt – Every dollar not wasted on interest is a dollar available to invest. 3. Dollar-Cost Averaging – Automate weekly or monthly investments into a portfolio suitable for your risk tolerance and goals. 4. Reinvest Dividends – Compounding isn’t magic, it’s math. Reinvested dividends quietly build your wealth behind the scenes. 5. Increase Contributions with Raises – Avoid lifestyle creep. If you get a raise, direct at least half into investments. __________ ✈️ MillionaireME Takeoff Financial wealth isn’t about how much you make—it’s about how much your portfolio can pay you while you sleep. The question for you today: 💭 How much do you want your portfolio to pay you per year, and are your current habits getting you closer or pushing you farther away?

Good morning. It’s Tuesday, September 9th, 2025. There are 113 days left in the year. They say the greatest indicator of intelligence isn’t the answers we give—but the questions we ask. Here’s one to wrestle with: 👉 If you could game plan the next 20 years to save for a 20-year retirement, what would you do? Here’s how I’d answer, through the lens of Wealth & Wellness: 💰 Wealth Game Plan 1. Cut Without Sacrificing Start with a spending analysis. Ask: What can I eliminate that won’t reduce my quality of life? Example: Streaming services I don’t use, brand-name groceries swapped for generics, or unused gym memberships. 2. Automate My Future Earmark 10–20% of discretionary spending (and as much non-discretionary as possible). Move it every Monday into the most tax-efficient accounts available. That keeps me from overspending AND ensures I’m dollar-cost averaging into a properly allocated portfolio. 3. Ditch the Mortgage Do everything I can to pay off my home in 20 years or less. Enter retirement without a mortgage—freedom is priceless. 4. Pay Cash for Cash Sucks Cars depreciate fast. Only buy vehicles 2–3 years old, under 36k miles, and only with cash. 5. Max Out Health Savings Fully fund an HSA every year. It’s the most tax-efficient way to prepare for inevitable health costs. 🏋️ Wellness Game Plan 1. Track Body Fat, Not Weight Target 10–15% body fat. This reduces risk of expensive, preventable health issues. 2. Fuel Wisely Lean proteins, fiber, and whole foods. Less junk, fewer meds. 3. Train Smart Resistance training that works for my body (machines, assisted lifts, dumbbells). Avoid movements that sideline me. 4. Walk Daily Minimum: 10,000 steps. Goal: 12,500 steps. Simple, sustainable longevity. 5. Hydrate & Sleep A gallon of water daily + 6–8 hours of sleep nightly. Both are free. Both are powerful. ⸻ That’s my 20-year blueprint. Now the question returns to you: ✨ How would you game plan the next 20 years? ✨ What would you add—or change—from this list?