My friend, making more money is NOT your biggest opportunity.
The biggest untapped asset in your life is the combination of what’s in your head and who’s in your corner.
It’s what I call the value equation:
Mental Capital x Relationship Capital = Financial Capital
See, Financial Capital (or the money you make) is just the receipt.
It’s the scorecard for how effectively you use what you know and who you know to serve, solve, and create value.
Most people chase the receipt and ignore the inputs in the equation that actually create the desired output.
That’s why money feels hard, scarce, or unpredictable.
In this article, I’m going to break down each piece of the equation—what Mental Capital and Relationship Capital really mean, why they multiply each other, and how to build both intentionally.
You’ll see how I used this framework to rebuild my business in record time, why most entrepreneurs sabotage themselves by refusing to receive, and the practical steps you can take to expand your capital this year.
If you’re tired of working harder for diminishing returns, this changes everything.
The Value Equation
Let’s break it down.
Mental Capital is your knowledge, wisdom, skills, strategies, and experience. Everything you’ve invested in your mind:
- Your expertise and instincts
- The mistakes that taught you
- The tools, frameworks, and systems you can use to solve problems
It’s your unique way of seeing the world and creating value.
Relationship Capital is everyone you’re connected to:
- Friends, family, clients, peers
- Mentors, coaches, advisors
- Partners, team members, audiences, communities
It’s not just how many contacts are in your phone. It’s the depth of trust, the shared values, the goodwill you’ve built, and the results you’ve created together.
Business is the bridge between the two.
Business is how you take Mental Capital and plug it into Relationship Capital so it becomes value in motion: offers, products, services, collaborations, content, deals.
People say, “It’s not what you know, it’s who you know.”
That’s incomplete.
It’s what you know and who you know—and how well you connect the two.
You can know a lot and still be broke if you never share it, never package it, never communicate it, and never put it in front of the right people in a valuable way.
And similarly, you can know everyone and still struggle if you don’t bring anything meaningful to the table.
Money Is a Symptom
If you think you have a money problem, money is usually the symptom, not the root cause.
Most money problems are expressions of:
- Underdeveloped Mental Capital
- Untapped Relationship Capital
- Or both
Bad ideas create loss.
Bad relationships create debt.
And scarcity thinking destroys creativity, connection, and confidence.
When you upgrade what you know and who you know, money starts to follow. Not usually overnight, but predictably and sustainably.
My Own Value Equation
In 2021, I sold my previous company and stepped away from the business I’d built for years.
In July of 2024, I launched Multiplier and my new business. The progress just in the first year and a half has been exponential.
Why? Not because I suddenly became smarter.
It was because I’d been quietly building Mental and Relationship Capital for nearly 25 years in finance:
- I had frameworks, tools, and strategies that worked.
- I had a reputation, a track record, and a body of work.
- I had deep relationships with entrepreneurs, advisors, experts, and friends.
Recruitment was easy because of Relationship Capital.
Content, curriculum, and frameworks were easy because of Mental Capital.
The “overnight” growth wasn’t magic. It was compounding.
The Hidden Scarcity of Not Receiving
Here’s where a lot of entrepreneurs get stuck.
They’re great at:
- Giving
- Delivering
- Being the one others lean on
They’re not as great at:
- Receiving
- Asking for help
- Allowing others to support them
- Investing in their team
They try to save money by doing more themselves, and end up accomplishing less. They burn energy instead of building leverage.
That’s not noble. That’s scarcity.
It usually comes from:
- A lack of trust, often in themselves
- Old wounds or betrayals they haven’t forgiven
- Fear of parting with money
- Fear of being vulnerable or “needing” anyone
“If you want to go fast, go alone. If you want to go far, bring others with you.”
Relationship Capital is how you go far.
Forgiveness, Responsibility, and Freedom
Being a victim of circumstance:
- Prevents progress
- Limits creativity
- Destroys both Mental and Relationship Capital
Everyone has difficult circumstances at some point. Everyone.
The details differ, but the pattern’s the same:
- Something happens.
- We attach meaning to it.
- We build beliefs from that meaning.
- Those beliefs either open doors or close them.
Forgiveness isn’t about saying what happened was okay.
Forgiveness is about freeing your energy.
Those that you feel have wronged you were merely expressing their unresolved pain, past unaddressed issues, and scarcity. It’s less personal than you think. You just happened to be there. It impacted you, but if you can learn from it and move on, you grow. If you hold resentment and blame, you remain a victim and lose progress.
Forgiving is how you:
- Clear your mind
- Open your heart
- Rebuild trust in yourself
- Reopen the door to powerful relationships
Responsibility is the key to freedom.
Not guilt. Not shame. Responsibility.
Responsibility says:
“I didn’t control everything that happened, but I’m 100% in charge of how I respond now, how I heal, who I become, and what I create next.”
That’s where opportunity shows up again.
Business and Money Don’t Care About Effort
Business is one of the best classrooms in the world.
And it’s brutally honest.
Business doesn’t care about:
- How long you tried
- How hard you worked
- How tired you are
Business, like money, cares about:
- Value
- Results
- Outcomes
That can feel harsh. Or it can feel liberating.
Because if you’re stuck, you might be:
- One idea away
- One conversation away
- One relationship away
… from a completely different level of prosperity.
But only if you’re willing to:
- Ask
- Learn
- Invest
- Receive
- Heal
Mentors, Coaches, and Teams: Multipliers for Mental Capital
Mentors help you by asking the right questions so you can unlock and find the answers within.
When you know what you want, coaches show you how to get there faster and with fewer mistakes.
Accountability keeps you moving when you don’t feel like it. It helps you live by your commitments, not your moods.
Think of it this way:
- Mentors unlock your Mental Capital.
- Coaches help you develop and direct your Mental Capital.
- Your team helps you deploy that Mental Capital at scale so you can focus on what you do best and create more value.
You’re your greatest asset. Not your business. Not your bank account. You.
Building Your Value Equation on Purpose
Here are some practical ways to expand your Mental Capital and Relationship Capital this year.
1. Upgrade Your Mental Capital
Ask yourself:
What Mental Capital could I access, learn, or acquire that would take my life and business to a new level?
For most entrepreneurs, financial intelligence alone can make a massive difference. If you don’t understand money, taxes, cash flow, and how to structure your finances, you pay a permanent penalty in the form of leaked cash and unnecessary stress.
Some ideas:
- Build cash flow instead of focusing on net worth.
- Learn how to plug your financial leaks instead of cutting everything you enjoy.
- Clarify your Investor DNA so you stop gambling and start investing where you have knowledge and control.
- Build real business skills: communication, marketing, offers, pricing, negotiation.
Mental Capital isn’t just information. It’s implemented knowledge. So, every time you learn something, ask:
- Where will I apply this?
- When will I apply this?
- Who can help me apply this faster?
2. Invest in Relationship Capital
Make deposits long before you make withdrawals.
That means:
- Be interested at least as much as you are interesting.
- Show up consistently, not just when you need something.
- Share value freely from your Mental Capital.
- Connect people who can help each other.
Then, when people ask, “What can I do for you?” have an answer ready:
- A resource you’re looking for
- An introduction you’d value
- A problem you’re currently working to solve
Even if they don’t have the answer, they might have the connection to someone who does.
And if you don’t have all the resources yet, be more resourceful.
3. Design Your Growth
This year, I chose a theme for each quarter.
Each theme is a skill set or body of knowledge I’m committed to mastering so I can:
- Be more effective
- Add more value
- Serve at a higher level
Alongside that, I’m intentionally creating rhythms with key relationships:
- Regular check-ins
- Time to hang, talk, and create
- Shared projects and collaborations
When you know what you want, it’s easier to:
- Ask others
- Inspire others
- Enroll others
- Grow together
Your Turn
Let me leave you with a few questions to sit with, journal on, or discuss with your team.
- Who inspires you?
- Who can teach you what you’d love to know?
- Who could help you give more, so you can receive more of what you want as well?
- What Mental Capital, if you truly committed to developing it, would change everything for you in the next 12 months?
- Which 5 relationships, if you invested in them consistently, would have the biggest positive impact on your life and business?
You’re likely not “one lucky break” away.
You’re one idea, one relationship, and one courageous decision away.
Build your Mental Capital.
Invest in your Relationship Capital.
Let Financial Capital be the beautiful side effect.
Ready to Build Your Value Equation?
Most entrepreneurs are either trying to do everything alone or working with disconnected advisors who don’t talk to each other.
Without coordination, your Mental Capital stays trapped. Your Relationship Capital stays untapped.
And money keeps slipping through the cracks.
With Multiplier, it’s all about being financially fit, independent, and free. Building Mental Capital through expert guidance. Multiplying Relationship Capital with a vetted community of entrepreneurs. Creating cash flow that supports life today while building for tomorrow.
For business owners with $350k+ in annual income, we offer a complimentary discovery session and personalized Report of Findings. We’ll show you exactly where money’s leaking and how to keep more of what you make—without sacrificing your lifestyle.
Schedule Your Discovery Session and see if Multiplier is the right fit for your financial future.
In prosperity,
Garrett
P.S. Want to accelerate your wealth journey?
My next Money Multiplier Masterclass is coming January 27th–29th!
Our last Masterclass was a hit. We got amazing feedback. I had a blast sharing my message with passion. And we even built a fun, collaborative community with VIP members in a private WhatsApp group.
Tickets are on sale now for just $97. Join us, and go from money chaos to financial clarity.
