One of the simplest pieces of advice I’ve ever received is also the most enduring. For me, it came from the winningest college basketball coaches in history, Mike Krzyzewski, and it’s something he shares often, for good reason. It’s something his mother told him early in life back when he was a total unknown, just a Polish kid growing up in Chicago: “Get on the right bus. It’ll take you to all the places you want to go.” As he tells the story, it’s why he reluctantly climbed aboard the United States Military Academy, West Point, after high school. Not the fastest bus. Not the flashiest bus. The right bus. Last night was a reminder that being like Mike and subscribing to that truth still works. No one would’ve asked a guy drafted by the 2018 New York Jets if he’d become a Super Bowl champion—let alone one of the winningest players in the NFL over the past two seasons, including his time last year with the Minnesota Vikings. After stints with the Carolina Panthers and San Francisco 49ers (where he was a backup quarterback), Darnold finally became a free agent, and he chose well. And not just once. Twice. First, with his one year contract at Minnesota. Then his $100.5M contact with Seattle. Same Sam Darnold. Different environments. Different coaches. Different teammates. Different standards. The only real change? He consistently chose to run with winners. Until he won. 🏆 This isn’t just a sports lesson. It’s a life one. Your trajectory is shaped less by your raw talent and more by: • who you learn from • what you tolerate • what “normal” looks like around you Winning cultures don’t just raise performance—they rewrite belief. If you want better outcomes, ask a better question: 👉 Am I on the right bus? 👉 And, is so, where is it headed? Because, yes, of course, effort matters. And so does talent. But direction—and who you’re riding with—matters more than we like to admit. Choose wisely.

Greetings! It’s Monday, December 29, 2025. There are less than 72 hours left in the year. And with that I want lift up one of my favorite people in the millionaireME community. Let me reintroduce you to millionaireMIGO Isaac. I first met Isaac when he was 14 years old — and I even had the privilege of coaching him in basketball for a few years. Great kid. Big heart. But for the life of me, I could not get him to use his left hand. Ever. We tried everything short of tying his right arm behind his back, and still no luck. 😂 Turns out, though, while his left in basketball still needs work, his money habits are elite. This week — four months early — Isaac hit the maximum 2025 Roth IRA contribution limit: $7,000. Oh, and in the same year? He paid cash for his car. And started a pivot service business. That might not sound like a big deal in a world obsessed with flexing. But inside the millionaireME community? This is EVERYTHING. Because these outcomes didn’t happen by accident. This is what happens when information turns into implementation. When learning becomes behavior. When discipline beats dopamine. This is behavioral finance in action — the unsexy, repeatable, slightly boring stuff that quietly builds extraordinary futures. Here’s the picture I want etched into your mind: At 18, Isaac is already doing what many adults won’t master until their 40s…if ever: • Living below his means • Funding the future before funding the lifestyle • Turning income into ownership • Making tomorrow richer than today When I was 18, I had big money dreams but very little execution. Isaac, on the other hand, has both — and that makes me exceptionally, exceptionally proud. This is the behavior of a decamillionaire in the making. Not because he got lucky. But because he learned, decided, and did. If you ever wonder whether millionaireME works — just look at Isaac. Then ask yourself: What one small habit today would make Future You proud… four months early? 🐷 🚀 #UnleashYourInnerTBA

Greetings. It’s Saturday, November 15th, 2025. There are 46 days left in the year. In the last few days the headlines screamed: • $2,000 stimulus checks • 50-year mortgages • 15-year car loans All marketed as “relief.” But here’s the truth: These don’t solve money problems. They just stretch them. Why? • A 50-year mortgage lowers the payment… but adds hundreds of thousands in interest. • A 15-year car loan has you paying for a car long after the engine quits. • Stimulus checks feel good—until inflation sends you the bill. As Scripture puts it: “The borrower is slave to the lender.” (Proverbs 22:7) Policies can soften the chains. They rarely break them. So what actually works? Not waiting on policy. Not waiting on bosses. Not waiting on presidents. What works is personal agency: • Earn more • Spend less • Kill bad debt • Build margin • Invest early and often • Live on purpose, not pressure The people who rely on policy stay stuck. The people who build habits get free. Your move. Choice #1: Wait for a $2k check (or broke, broken government) to save you. Choice #2: Build systems that make you unshakeable. At millionaireME, we’re building #2 every day. #UnleashYourInnerTBA — because freedom is a habit, not a headline.

“Nothing is particularly hard if you divide it into small jobs.” — Henry Ford Greetings! It’s Monday, October 6th, 2025. There are 87 days left in the year — time enough to build momentum, not perfection. Henry Ford didn’t just revolutionize manufacturing—he revealed a timeless truth about momentum. Big dreams stall when we stare at them whole. But slice them into smaller, repeatable actions, and suddenly progress feels inevitable. That’s what Monday Fund-Day is all about:Taking one simple, measurable step toward your financial freedom. Each Monday, look back at last week’s discretionary spending (the coffee runs, dinners out, gadgets, and splurges). Now take a small percentage—5%, 10%, even 20%—and move it toward: • 💳 Debt principal (the best guaranteed return you’ll ever earn) • 🏦 Emergency savings (your personal peace fund) • 📈 Investment accounts (short- and long-term goals alike) Do this every week—or go pro and become a Super Funder by doing it twice a week. Why? Because in behavioral finance, frequency beats force. When you move money often: 1. 🧩 You shrink big goals into bite-sized, doable steps. 2. ⏳ You leverage dollar-cost averaging—buying more when prices are low and less when they’re high. 3. 💸 You train your brain to save by habit, not by hope. 4. 🚫 You can’t spend what you’ve already sent to your target accounts. 5. ⚡ You create an instant reward loop—the satisfaction of progress. 6. 📊 You make compounding work not just financially, but psychologically. 7. 🎯 You stay directionally correct toward your wealth and wellness goals. 8. 🧠 You hack loss aversion—it’s easier to give up a little often than a lot once. 9. 🪶 You build financial “muscle memory.” 10. 🐖 You start gliding toward your millionaire ME—one micro-move at a time. Remember: It’s not about perfection—it’s about progress. You don’t need a raise, a windfall, or a bull market to build wealth. Just a rhythm. Just a Monday. Just a moment. Because as Henry Ford might say… “Millionaire YOU” isn’t built in a day—it’s built one small job at a time.

Good morning. It’s Monday, July 28th, 2025. Life is full of transitions—some expected, many not. In these moments, before reacting emotionally or powering through blindly, ask yourself three powerful, clarifying questions: 1️⃣ Should I Pause? Not everything demands immediate action. If the decision isn’t urgent and your energy is low, pausing might be wise. A pause isn’t laziness—it’s choosing to wait well. Sometimes a pause leads to quitting, and quitting, when done for the right reasons, is wisdom in disguise. Not every season is for action. Some are for rest, reflection, or redirection. 2️⃣ Should I Pivot? Sticking with something that’s clearly not working isn’t resilience—it’s stubbornness. If a better opportunity is emerging, or if the current path is draining your time, energy, and money with no end in sight, it may be time to pivot. Success often comes not from grinding harder, but from changing direction with intention and enthusiasm. 3️⃣ Should I Persevere? Perseverance is hard. It’s rarely sexy. But it’s often the difference-maker. Most people don’t fail because they can’t succeed—they fail because they stop trying when things get hard. But if your why is clear, and the goal still matters deeply, then stick with it. Simplify the steps. Lean on your support system. Remember: in wealth and wellness, consistency beats intensity every single time. ⸻ 🔥 Whether you’re reevaluating a job, a health goal, a business venture, or even a relationship—ask yourself: 👉 Is it time to Pause? 👉 Is it time to Pivot? 👉 Is it time to Persevere? And here’s a bonus hack: Ask 2–3 trusted friends for their input. Invite them to wear their “objective hat” and speak truth into your situation. As Proverbs reminds us, “Plans fail for lack of counsel, but with many advisers they succeed.” ➡️ So what crossroads are you facing today? Drop a comment or share this with someone navigating a hard decision. Let’s help each other move forward—with wisdom, courage, and all we’ve got.