Looking back to when I was like 40 years old, I distinctly remember thinking I need to get moving on my retirement plans but I just don't have any extra cash to do anything. Then came the dreaded ...I'll start to do this next ________. Does this sound familiar? Drop me a line below

Everybody gets pushed into the same script:“Get a job → finance a shiny car → brag about the payment.” Here’s why that payment is quietly robbing your future: 1️⃣ Your car is a liability, not an asset It doesn’t pay you. It doesn’t send you a check. It just sucks money out of your account every month. 2️⃣ It sits doing NOTHING most of the time Your “investment” is parked in a driveway or parking lot 90% of the day. You’re paying interest… on something that’s literally sitting there. 3️⃣ Depreciation is brutal The second you drive it off the lot, it drops in value. 3–5 years go by, it’s worth half… but you’ve paid a TON in payments, interest, insurance, taxes, repairs. 4️⃣ That payment could be buying freedom$400–$800/month into cash-flowing assets over your 20s and 30s could fund your retirement. Instead, most people light that money on fire to “look good” for strangers. 5️⃣ Banks love your car payment. Your future self doesn’t.The system is built so you stay on the hamster wheel: new car, new payment, forever. That’s not wealth. That’s a trap. 🔁 The smarter play: - Drive something reliable and paid off - Keep your monthly nut LOW - Use the money you don’t send to the bank to buy assets that send you money If you’re young, the goal isn’t a “sick car”…It’s a future where your assets pay for any car you want in cash. 👉 Question for you:What would happen to your finances over the next 5–10 years if you took your car payment and redirected it into cash-flowing investments instead

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Asset or Liability? 🤔 Most people never get this one simple idea: An asset puts money in your pocket.A liability takes money OUT of your pocket. That’s it. That’s the whole game. 👇 1️⃣ Your house - If it costs you money every month (mortgage, taxes, repairs) and doesn’t pay you… it’s a Liability. - If it’s a rental that sends you cash flow every month after all expenses… it’s an Asset. 2️⃣ Your car - Car payment, insurance, gas, repairs = money leaving your pocket every month 🚗💸 - Unless that car is being used to produce income (delivery, Turo, business vehicle that nets profit), it’s a liability. 3️⃣ Your credit cards - If you’re using them to buy stuff that doesn’t pay you back… that balance is a liability. - Debt tied to cash-flowing assets (notes, rentals, etc.) can be good if the cash flow > payment. 4️⃣ Investments - Stocks that don’t pay you? You hope they go up. That’s speculation. - Notes, rentals, private lending, cash-flow deals? They PAY YOU while you sleep. That’s an asset. 5️⃣ Retirement accounts - A 401(k) sitting in mutual funds, praying the market behaves = 🚩 - A self-directed account owning notes, rentals, private deals spitting out cash flow = real assets. If you look at your life right now… Are you stacking assets or collecting liabilities with fancy names? 👇 Drop one thing in your life that you thought was an asset… but now realize is actually a liability.

What are you working on for your Wealthy Retirement? Maybe it's 10 years from now or 2 years from now.