We are constantly peddled risk, delayed satisfaction, and accumulation as the process of building wealth. But this faulty philosophy of building wealth is at odds with living wealthy.
Yes, the more we follow the faulty model of delay and defer, the less wealthy we will feel today, and it will limit the amount of money we have tomorrow.
You don’t shrink your way to wealth.
Accumulation is a dangerous, outdated process for lowering expenses and lifestyle. It involves saving, risking those dollars, and waiting for decades for a potential payoff. Not only is this dogmatic, but it is also dangerous.
This widely accepted model has confiscated as much wealth as it has created. And even if it works, will you feel wealthy? Meaning, how do the numbers you accumulate on paper show up in your lifestyle? If you use the money, you lose your net worth. If you view expenses as the enemy, you lock your money away.
It is time to break free from the constraints of scarcity, to free your mind, unlock your money, and live a richer life—to be financially fit, independent, and free.
To be financially fit, you must have your financial house in order.
All progress begins with awareness.
You must transfer risk efficiently with proper insurance design, corporate structure, and asset protection. You must also ensure there are no financial leaks and that you are earning more interest than paying on any loan. You must have the knowledge to eliminate blind spots.
Simply DM me “financial health assessment” on Instagram @garrettbgunderson, and I’ll give you the tool to show you where you are set or not set.
Once your financial house is in order, it is critical to become financially independent.
Most of us have been indoctrinated in the retirement philosophy. Save for decades to finally live the life you love when you are too old to enjoy it. Instead, you can create recurring revenue (aka passive income) to cover expenses.
When you create independence, this isn’t the time to stop working; it is time to dream bigger. It is time to expand your vision and to delegate the things you no longer enjoy (because you can afford to have someone else’s support).
Financial independence covers the basics, but it isn’t exactly being financially free. Lifestyle changes, economic volatility, and varying performance of your assets can increase or decrease your independence. However, most people rely on their next paycheck and income to cover expenses.
When your cash flow comes from assets, your active income can be allocated to buying more assets. Rather than taking 10 percent of your income to add to a retirement plan, you can take 100 percent of your income to grow your assets when the cash flow from your asset pays for your lifestyle. Your active income can build your assets, giving you a 10x advantage.
It doesn’t take thirty years to become financially independent. By leveraging the five levers, you can get there in ten years or less.
If you are deep in debt, it may take ten years. It may only take a few years if you already have cash-flowing assets. It depends. You may have a big lifestyle or maybe you are more frugal. You may have financial surprises that require additional time to address. No matter where you start, you can get there within ten years.
- Plug leaks
- Strategically Engineer Wealth
- Accelerate Investment
- Income
- Scale Revenue
- Make it Count
Begin by plugging leaks. Save on interest, tax, insurance, and non-performing investment fees. Rather than coupon clipping and cutting out, it begins with efficiency.
Next, strategically engineer wealth. What is your monthly expense number? What would it take to build a solid foundation to keep more of what you make, then discover your Investor DNA to become a better cash flow investor? This is radically different than saving and accumulating.
You have been lied to. You have been told you aren’t smart enough, you don’t have the time, and you have been relegated to take risks and wait. Fuck that. Gain knowledge. Become proactive. Figure out what category of cash flow works for you.
Business.
Real estate.
Intellectual property.
Paying off loans.
The more active you are upfront, the more passive it becomes long-term.
Next, accelerate your investment income. If you have lazy assets, turn them into cash flow. Lazy assets accumulate. Instead, reposition or reallocate. Stop accumulating and start focusing on cash flow to create more independence.
Before investing in something you don’t understand, before speculating and locking money away, scale your business revenue. If you don’t own a business, grow your skills—the ones that increase your value and earning capacity. For business owners, this may mean hiring the right people or adding automation through processes and procedures.
Finally, you are your greatest asset. Not a stock, bond, or piece of real estate. It is you. Your human life value. Make it count. Invest in you. In your lifestyle. In growing and protecting your energy. In designing the life you don’t want to retire from. The clearer you are, the more energy you have and the more value you will create.
Fit. Independent. AND Free.
To be financially free, you put value first. When money is no longer the main reason or excuse you would do or not do something, you feel free. Money of course, is still a consideration, just not the main consideration.
Most people are trapped by the budgeting mindset. You know that place of knowing the price of everything but the value of nothing. They don’t value their time. They look to save at all costs. Pinching pennies until their fingers blister.
When people focus too much on price, they don’t understand the economic impact, the actual cost. Someone can save money but lose wealth. The time it takes to reduce the expense robs the ability to create more value and increase cash flow. Yes, it saved money, but what was lost? What was the opportunity cost of the time spent?
There are three measures of worth that determine wealth:
- Price: what we pay.
- Cost: the economic impact.
- Value: feeling of satisfaction.
Again, when you put value first, when money isn’t the main consideration, you become financially free. Financial freedom is a state of mind, a feeling, ultimately a state of being.
It comes down to perspective. Our money mindset. Can you be present, enjoy the moment, and feel fulfilled? People who pay too much attention to price are conflicted. Do they spend the money or save money? How do they enjoy the money they accumulate?
When we evaluate cost, something can have a higher price tag but be a lower cost. People who do our deep dive process often find that by joining the Multiplier community for Producers, there is a 2x, 4x, or more return. The $2,500 down and the $500 a month are a fraction of what they would get in tax, interest, and insurance savings. Without the team and knowledge, the money would be lost to financial institutions and the government. But they would save the $2,500 and $500 a month. However, if the savings were $20k or $40k, the higher price is still a lower cost. More money is in their pocket by investing, which many only consider an expense by the shortsighted.
Having the economic insight to distinguish price from cost is key to building wealth. The key to breaking free and breaking through.
Fit: get your financial house in order.
Independent: create cash flow to cover your expenses.
Free: a state of mind (that can happen in a moment).
The Financial Health Assessment is valuable for anyone reading this, no matter what phase of your financial journey. DM me “financial health assessment” on Instagram @garrettbgunderson to get it.
Free Discovery Session for Business Owners with $350,000+ in Annual Revenue
If you are an entrepreneur doing at least $350,000 in annual revenue, I recommend a different approach. We have created a unique, value-added process to find money, protect your money, and show you how to keep way more of what you make.
When you cross this revenue threshold, certain factors and strategies can and must be applied that others don’t even consider. These include:
- Business owner insurance to transfer risk properly
- Business structure to reduce risk and minimize taxes
- Tax structure and strategy (93%+ of entrepreneurs overpay)
- Asset protection (you want to own nothing but control everything)
- Loan management (different than a w-2 employee)
- Cash flow management
Most of those factors don’t exist for salaried employees or pre-revenue start-up businesses. We are offering this Discovery Session to you free of charge for a few reasons:
- We subscribe to a value-first approach.
- This is one of the most instrumental ways we can grow our brand and connect with people.
- Most ask for our support and want access to tax firms, attorneys, financial coaches, and my weekly sessions on making more money, keeping your money, growing your money, and growing yourself within the Multiplier community.
- Even those that don’t hire us get massive value, and this leads to more referrals, a better reputation, and ways to connect with our readers more deeply.
You don’t have to gather your documents for this Discovery Session. We ask questions to get an understanding of your financial picture. After this discovery, we will do a report of findings follow-up to share with you the areas in which you can be more financially fit and determine the priorities and opportunities for independence.
So if you’re a business owner bringing in $350K or more annually and you’re not yet part of the Multiplier community, now is the time to shift from complexity to clarity and from inefficiency to intentionality.
This isn’t about traditional planning models. This is about you, your life, your business, and your legacy. This complimentary discovery session is built to uncover hidden inefficiencies, cash flow leaks, and areas of unnecessary exposure that could be quietly costing you wealth, time, and peace of mind.
Most people don’t know what they don’t know, and if left unchecked, these blind spots only grow with you, compounding into costly mistakes down the line.
This is your opportunity to see exactly where you stand, and more importantly, what’s possible. We’ll walk through where you are now, what you truly want, and what’s been standing in the way. From there, we create a customized report of findings that lays out a clear path forward. No guesswork. No fluff. Just insight, direction, and value.
If that resonates, and you meet the criteria, schedule your Discovery Session now. Let’s explore what it can look like to accelerate your income, keep more of what you make, and protect what you’ve built—all while building and living a life you don’t want to retire from.
In prosperity,
Garrett
