Why one group shrinks and burns out (never enjoying the fruits of their labor)… and the other builds a life they don’t want to retire from.
For years, I thought being a saver was the responsible thing, the honorable thing, even the best thing for my family.
I thought cutting back today somehow guaranteed safety tomorrow.
I thought being miserly, cautious, and fiscally conservative made me smart with money.
But the truth was much harder to swallow:
Saving didn’t make me safe.
Saving made me small.
And small never built a life worth living.
The irony is that savers believe they’re avoiding risk. But most savers are exposed in ways they don’t even see.
Not because they are careless. But because the model they’re following is crafted to profit off their fear.
And others take it a step further; they allocate money to portfolios. Portfolios without cash flow, without control. The reason they end up locking money away in a retirement plan, is often predicated upon commission.
The financial services model promotes plans that lock money away for one day, someday, based upon accumulation, confusion, and hope.
Hope that the market cooperates.
Hope that your advisor is doing more than just gathering assets.
Hope that sacrifice today will magically turn into freedom tomorrow.
Hope that retirement will somehow create more life.
But hope is not a financial plan.
Hope is a cousin to ignorance, and ignorance in finance has some permanent and steep penalties:
Lost money.
Lost confidence.
Lost dreams.
Lost years that never come back.
The Saver
I get why people fall into the saver’s trap. I lived in it so deeply that I didn’t even realize how much it was costing me.
I’ll never forget standing in that hotel hallway after winning my first MDRT (Million Dollar Roundtable) award.
I felt proud.
Validated.
Like I was on the right track.
And then Nancy, who I respected immensely, said:
“I can’t wait for you to get to the next level and see how people view and treat money. It is… different.”
“Different” was her polite way of saying “opposite”.
“What do you mean different”, I asked.
Instead of giving me an answer, she started asking me about my future, my marriage, my plans.
And I rattled off my little scarcity checklist proudly:
- Live cheap. Save big. Delay everything.
- Don’t buy a house until we hit a seven-figure number in savings.
- Don’t have kids until we’re more “secure.”
- Live by the budget, tighten the belt, sacrifice now for the promise of someday.
I still remember her face when she said it:
“Garrett… I wonder what it’s like living in the financial prison you have created for your wife.”
I felt the floor fall out from under me. I had been so sure I was doing the right thing.
Protecting us.
Being smart.
Being disciplined.
But I wasn’t protecting my wife.
I was suffocating her. I was limiting her dreams while pretending it was being responsible.
I slid down the pillar in the hallway, pulled out my phone, and called Carrie.
My voice cracked.
“I’m sorry,” I whispered.
“I’m so sorry. I don’t know what to say. I finally see it. I just didn’t know. I’ve been, well, I’ve been so scarce. I’ve been delaying our life. I’ve been shrinking our dreams. I thought saving would make us safe. But I can see now… it’s costing us, it’s limiting us, hell, it is slowing us down.”
Carrie admitted later, that first year of marriage was the hardest. I just worked. Obsessed about saving. And lost my way. I wasn’t fun.
But thanks to Nancy, everything shifted.
I could finally see it clearly.
Savers spend time to save money.
Investors spend money to save time.
Savers cling.
Investors create.
Savers hoard.
Investors produce.
Savers shrink.
Investors expand.
And here’s the part no one wants to say out loud:
Most savers think they’re safe because the financial system tells them they are.
Invest early. Invest often. Invest always.
But inflation robs them of their safety, steals the return, and leaves them on a treadmill.
The Fiscal Conservative
Those that are financially conservative, are a different type of saver that fall into another trap.
They ride the market. Maximize their retirement. They are willing to delay gratification and be ever patient. Diversify into things they don’t fully understand.
The mantra is similar: Reduce. Restrict. Sacrifice.
Someday it will all make sense.
Someday you’ll have “enough.”
But enough never comes when you’re shrinking.
That same broken model almost trapped Jon and Missy.
They had a tiny percentage of their net worth in a 401(k).
But they had nearly all their anxiety inside it.
They watched the market dropping and thought everything was in danger.
The irony was… their real assets weren’t even in the market.
Their genius was in art.
Their soul was in business.
But no one had ever helped them see that because the financial industry only sells what they get paid to sell.
When they finally stopped funding someone else’s dream (the 401(k) and started funding their own, their entire life expanded.
They built a new business and doubled down on the existing one.
They built a legacy property for their entire family.
They outperformed their old retirement plan more than tenfold by putting the funds in their own start up.
Not because they chased returns. But because they aligned money with purpose and competence.
Most savers never get that chance.
They’re too busy cutting back, budgeting, and holding on to what little they have.
They’re fragmented—a mutual fund salesman here, an insurance agent over there, handle their accounting on their own.
No one coordinating. Everyone selling.
Meanwhile, their financial life leaks money like my 1975 Chevy leaked oil.
The Family Office
In the same year I met Nancy, I witnessed a closed-door financial meeting.
Let me tell ya… to witness a family office dissect a multimillion-dollar deal was something…
This was real due diligence.
Every type of financial professional in the same room.
Everyone was coordinated.
Every piece dissected, analyzed and then connected.
That level of clarity… I had never seen anything like it.
Then reality hit: You needed a 30-million-dollar net worth to get access to anything like that.
So I made a decision that was equal parts naive and determined.
I said, “I’ll build that for the people on the way up.”
The creators.
The producers.
Those first generation, new to wealth entrepreneurs, without all the old money connections or knowledge.
People like my younger self.
People like you.
And That’s What Became Multiplier.
Multiplier is a place where people finally see what savers never see.
A place where people stop shrinking and have permission to prosper, to produce.
A place where you see that you are your greatest asset.
Your Soul Purpose is your compass.
Your Investor DNA is your roadmap.
And coordinated expertise gives you clarity, confidence, and cash flow, saving you time and growing your money.
You don’t have to rely on hope that things will work out.
You don’t have to gamble in the market while neglecting cash flow.
You don’t have to sacrifice today for some mythical tomorrow.
You don’t have to live small in the name of providing security or fitting in.
You can build the life you love now.
You can create more value.
You can expand your time.
You can buy back your peace.
You can live well today and create a legacy that lasts.
But this isn’t to be done in isolation.
No one can do it alone.
No one.
Not the Rockefellers.
Not the wealthy.
Not the wise.
Not the fulfilled.
Wealth is a team sport.
And it’s time you had a team.
So How Will You Know? Where Do You Begin?
We can start with the Money Multiplier Masterclass, coming up January 27th-29th (watch your email for your invite to buy a ticket soon).
To show you exactly what’s possible when everything in your financial life finally works together.
When strategy meets Soul Purpose.
When clarity replaces confusion.
When cash flow replaces accumulation.
When your finances fuel the life you love instead of stealing from it.
If you feel something stirring inside you as you read this, pay attention to it.
That is your Soul Purpose asking for more room.
That is your future trying to meet you.
That is the investor in you waking up.
You don’t have to shrink anymore.
You don’t have to wait anymore.
You don’t have to hope anymore.
You can build a life you don’t want to retire from.
A life of expansion, confidence, and joy.
A life of clarity.
A life of purpose.
A life that feels like wealth long before the money shows up.
If you’re ready for that, let’s start the new year right. A deep dive on your money and prosperity.
You will know where you are set.
Where you aren’t set.
And where there are blind spots that can be illuminated and eliminated so you can keep and grow your wealth. You will find your path to cash that is rightfully yours so that you can improve your lifestyle, invest in yourself, or acquire cash flowing assets.
You will learn how to be a better investor, how to reduce risk and discover your Investor DNA (the best advantage in saving time and growing money).
You will uncover the elements that lead to clarity with your Soul Purpose (the key element to creating your best life).
Ultimately, you will have more clarity and confidence, but it takes courage.
Courage to face your fears, address your finances, and live your legacy. You don’t get a second chance to build a life you love and a legacy that will last. This is your life, your money, your legacy.
I’ll show you the model.
I’ll help you on the path to prosperity.
I’ll introduce you to the team who will walk it with you.
No pressure. No hype.
Just clarity, truth, and the tools the wealthy have used for generations.
You deserve that level of support. And your potential deserves that level of respect.
Let’s build your richest life. Together.
