7 *specific habits* to actually build wealth (it’s time to invest)

[00:00:00]I think a lot of us tend to think that making more money is what changes your financial life, your financial situation. I know I thought that for a long time and when I was trying to improve my financial situation, there was really only one question I kept asking myself. How do I make more money?

[00:00:15]But I have watched people making six figures stay broke. And I have watched people with average salaries quietly become wealthy. So I had to learn that making more money is not your end goal.

[00:00:29]learning, understanding, and managing money is actually the real goal.

[00:00:34]Recently, I've seen a lot of videos about insert maxing. I've seen beauty maxing. I've seen summer maxing. I've seen fun maxing. I've seen hobby maxing.

[00:00:44]I love it all. But you know what I love to talk about is money. So, welcome to your money maxing video. I hope that you have your notebooks out because I have a lot of information that I'm going to give you today. But first up, I want to say that money maxing is not about looking rich. I'm not going to tell you what to buy in this video. I'm not going to tell you how to look richer. I'm not going to tell you the the new hottest thing for summer that you can add to your collection. Money maxing is about building systems where your money starts to work harder than you have to. And often times your money can work harder for you passively while you are not actually doing anything. So today I'm going to be sharing with you the exact habits that I would start with if I got to redo my 30s. This is my final year in my 30s. I am 39. And honestly, this was the decade where I finally started to learn about money. How to make it, save it, intentionally spend it, invest it, and more importantly, how to actually manage my money. To be frank, I wish I had learned these habits in my 20s because I would have made fewer expensive mistakes and I would have started building my wealth so much earlier. If you are in your 40s or your 50s or beyond, don't click away thinking this video isn't for you. Yes, the best time to start investing was years ago.

[00:02:01]The second best time to start investing right now. Everyone in finance will tell you that line because you need to hear it because you continue to think, "Ah, this doesn't apply to me. I'm not in my 30s. I'm not in my 40s. Maybe I'm not even in my 50s." But your financial situation will continue not to change if you keep putting it off. Whether you are trying to get out of debt, save your first $10,000, learn how to invest $100, or simply stopped feeling stress every time you check your bank account. These habits are the ones that made the biggest difference in my financial life. And none of these that I'm going over are any sort of get-rich quick schemes. You know, if you are on my channel, I'm not promising you like overnight miracles that are going to happen in your life.

[00:02:44]I'm not about overnight transformations.

[00:02:45]I'm not about anything quick scheme. I'm talking long-term habits here. But these habits are also simple and they are repeatable habits that will compound over time because I am proof of that.

[00:02:57]Just like your wealth, just like your relationships, just like your health, any other areas of your life, it's the small things that you do consistently that will end up changing everything. I hope this is the video that inspires you to take a change in your financial life.

[00:03:10]And if you enjoy videos on money, on mindset, and on the habits to support them, make sure you're subscribed for more. So, number one, let's get right into it. Let's stop trying to look rich.

[00:03:21]Okay. One of the biggest mindset shifts that I had to realize was that wealthy people don't often spend money trying to convince complete strangers that they are wealthy.

[00:03:36]Okay. Lifestyle inflation is one of the biggest wealth killers out there. With the rise of social media and having access to everyone, not only do we have access to everyone, but everyone has access to us. And now we feel like we have to portray this lifestyle that maybe we aren't really living. Maybe we're showing the cars and the jewelry and the bags. Yet, we are struggling to make our payments from month to month.

[00:03:58]And I don't say that in a shameful way because I have been there, too. I I've done that. I have played that game. I have let the lifestyle inflation creep up on me before I even realized what was actually going on in my life. So, when you get every raise at work or every bonus or every extra paycheck for working overtime, that doesn't automatically mean that you now need a nicer car and more subscriptions and more packages being dropped off at your at your home and and more designer bags that you can show on the shelf because you don't actually use them when you go out. They're just on your shelf because they're expensive. One question that I want you to ask yourself and I want you to write this down in your notebook.

[00:04:36]Write this down. Does this purchase make my life better or does it just make my life look better?

[00:04:45]And that is the question that we can ask ourselves when we are deciding on purchases that we are going to make.

[00:04:49]There are going to be plenty of purchases that we make that will actually make our life better. Truly, there will be. There are also a lot of purchases that we do not need to make because we are simply trying to make our life look like it is better. So that one question can save you thousands. So I hope you wrote that down. Make sure you circle it. Put a little star by it.

[00:05:09]Highlight it if you're a highlighter girl. So I want you to think about this because this is a personal story for me.

[00:05:13]When I, you know, got my grown-up job and I started making more money. Your your paycheck is going up or you're getting the extra payments, whatever it may be. But instead of being able to invest that extra money or pay off debt, you let lifestyle creep win out.

[00:05:27]Suddenly you're not actually making any more money at all.

[00:05:31]you're just spending that extra money.

[00:05:34]My expenses went along for the ride with me when I started to get the increased paychecks. So, even though I was making more, I still felt like I was bleeding dollars every single month. And I couldn't figure out why. I was like, when like I got this good job, I got these like benefits. I got this going on for me, but I'm not I have nothing to show for it. I had nothing to show for it besides a bunch of materialistic things that I bought that I could show the internet. You don't need to prove to anyone else that you got money. I'm not saying don't ever upgrade anything in your life or buy yourself something nice, but I've learned the hard way of what financial security really is. It's about being able to pay those unexpected bills that pop up. It's about being able to handle a crisis confidently and get through it without stress and without losing sleep. My Dior handbag and my red bottom shoes that I barely ever wore because they were so uncomfortable, those didn't help those situations and those times of crisis that I was going through. I wish I would have understood that sooner that the quiet wealthy wins out over the lifestyle creep. But once you stop trying to look rich and once you stop leaking money, you actually have to put your money somewhere. Which is going to lead us into the second thing that I want to talk about and that is assigning every dollar a job. Which might sound a little bit strange. So let me explain this because I I did an Instagram post the other day. If you if you don't follow me on Instagram, I post usually what I talk about in my videos, habits and mindset, financial advice, PCOS support, and I I did a post the other day about these rich girl habits.

[00:07:04]And one thing that I put in there is rich girl energy is telling your money where to go instead of having to wonder where it went. I'm not talking about extreme budgeting because I do not believe in extremes over here. I talk the basics over here. So, what we're talking about with every dollar gets a job, I'm talking about something like intentional spending, which is what I mentioned above that I had to learn how to do with my money, intentionally spend it. So, when payday comes, I already know that this amount is going to my bills. I already have all that information. I have that data. I know that this amount of money is going into my investing accounts. I already have that amount set aside for it, right?

[00:07:42]This amount is going into my savings account. This amount is fun money. Money loves direction. You know how they often say like dogs love having like a task? A dogs love having a job. Especially, you know, if you have a dog that's like a sheep hurting dog or something, like dogs love like having tasks. Money loves direction. Think of it that way. And if you don't tell your money where to go, it's going to disappear. You'll be left at the end of the month thinking, "Where did my paycheck even go?" Because young Samantha in her 20s, who was all of a sudden making more money, it was like every month I would be like, "What?

[00:08:14]Didn't I just did I get paid?" Okay, like I paid my bills, but now where did my money go? Like I could not figure it out for the longest time. So, you need to assign. You need to have all of this.

[00:08:25]And how do we do this? I talk about tracking your finances all of the time.

[00:08:30]Tracking your finances. Getting that data. Knowing exactly how much you have to pay in bills every month. Knowing exactly how much you're going to put into savings. And what do we do? We decide what we are going to be saving before we decide, oh, this is what's left over at the end of the month, so that's what I'll save. Nope. flip-flop that you know what's going to go into savings first. You're going to automate it. You're going to pay yourself first.

[00:08:52]Then what is left over? That is what you spend. We've had it flip-flopped, reversed for so long. So, get your notebooks out, get your spreadsheets out, start tracking, and start assigning those dollars every month. I will say this until I'm blue in the face.

[00:09:08]Open a high yield savings account.

[00:09:12]It is free to do. It is maybe one of the easiest money that you will ever make.

[00:09:18]If your money is sitting in a traditional checking account earning basically nothing month over month, your money isn't working for you. This is one of the this is one of the lessons that I wish I knew about so much sooner. I think I was in my early 30s when I read a finance book and the author had a whole section in there about a high yield savings account and I said, "What?

[00:09:42]I've never heard of that.

[00:09:45]Oh, I get so so so so sad. If you have not started a high yield savings account or just any savings account in general, if if you don't have a savings account right now, which sometimes when I talk about finances with the people in my life, I have so many people tell me that they do not have a savings account.

[00:10:03]I don't even know how to react at this point. If you do not have a savings account at all, I do not care what age you are. Start one. put that on the top of your to-do list and circle it and underline it and highlight it and tear it out and put it on your computer and start your savings account. A high yield savings account is free. The majority of banks, like when I was looking around at a high yield savings account, I don't think any of them charge like monthly fees or anything like that. You know who does charge me a monthly fee? My regular savings account that I have through, you know, like I use Chase Bank, like they charge me like $15 every month to have money in my savings account. I'm like, "What?" But my high yield savings account that actually pays me, gives me a passive income. They don't charge me a fee. I will link my high yield savings account that I use. I use Marcus Goldman Sachs. I I will link them in my description box. Even if you only have $5 today to open your account with. Just put the $5 in there. Just start the account. It is free to do. It will take you minutes to be able to do. And it is one thing to start you off on your financial journey. It is the It truly is the one thing I wish I would have started sooner because it actually taught me what passive income is. A high yield savings account pays significantly more interest while your money just sits there. You don't have to do anything.

[00:11:19]All you want to do is contribute money every month or whatever schedule that you put yourself on. If you can automate it, even better. You don't even have to think about it. Money is just going to transfer in there and then boom, compound interest, compound interest, compound interest. Maybe you need it as an emergency fund, maybe a vacation savings, maybe you're saving for um you know a down payment on a house. Keep the dollars somewhere where they are actually growing. Your money is actually working for you. It's one of those boring habits that becomes surprisingly exciting when you see interest deposits every month. I need to grab my phone cuz I need to tell you this comment. I posted the rich girl habits the other day and of course I talked about my high yield savings account. I got a comment coming. I got a comment that came in saying, "Watching that interest grow with my new money market and high yield savings account. What a difference."

[00:12:07]Thank you, Samantha.

[00:12:10]I actually got tears in my eyes when I read that because starting a high yield savings account was one of the biggest financial game changers for me that allowed me again to start seeing what passive income really meant. I could take the money that I earned from my job and I could put it in this account and then I could earn even more money that I could take out right now. It's not something like a a a retirement account where I can't touch it for the next 30 years or whatever it is that if I have an emergency, which I have had emergencies and I have had to go to my savings account, that money is passively earning me more and more money just sitting in there through compound interest. I did not start my high yield savings account until I was in my 30s. I try not to have regrets, but that is one of my biggest financial regrets. Do not follow my path and keep waiting and and wait. I don't even know what we're waiting for. You can. It's free. You can just get it started. And I do not care what age you are. Today is one of the best times to start saving. So, I'm going to be real with you. These three habits that I just touched on, if you have caught any of my past finance videos, you've heard me say all those pieces of advice. Nothing that I just told you is something like new and revolutionary, right? I repeat certain things because I think that they are important. And I repeat certain things because I think you need to hear them more than one time. I repeat them because just like when I said that I posted that last Instagram post, I got two people who reached out to me to say that they had just started their high yield savings account. Two people who I know are long-term watchers of mine.

[00:13:44]something about me saying it or posting that Instagram post and saying for the 147th time open a high yield savings account that they finally started it.

[00:13:53]You need to hear things on repeat in order to be like you know what I am going to try that. So that is why I repeat the things that I think are really important and that I really want to get across. But this video this video that you clicked on is about money maxing. In this video, we're going to go past some of the beginner finance level stuff that I feel like I have covered a lot and I've covered really in depth.

[00:14:14]And I want to start to move us over into the intermediate category. So, maybe flip the page of your notebook and write this word down.

[00:14:22]Investing.

[00:14:24]I have had so many of you ask me to start to talk about investing.

[00:14:29]Okay, here we go. To me, this might be one of the most important habits that I'm going to talk about in this video.

[00:14:35]And when I say I want us to learn about investing, I want you to realize what I'm saying that I'm saying I want you to learn about investing. I'm not saying I want you to invest more, invest this amount of money, invest over here. I'm saying I want you to learn investing.

[00:14:55]What holds us back is typically fear.

[00:14:58]And fear comes from not understanding something. When I first started learning about investing, I had to come to a bit of a harsh realization that intimidation held me back for so long. I wasn't a wealthy old white man with a financial background. So, why should I know anything about investing? As I was growing up, again, I'm in the last year of my 30s, but that's to me that's who finance men were. Like, you know, like the Wolf of Wall Street that you that movie or whatever. Like, that is what I thought about investing. I wasn't a man in a suit. I wasn't working on Wall Street. I wasn't in New York. I didn't have this knowledge. I didn't come from a wealthy socialite background. Like, so why should I be in the room? Why should I be able to open up that door? And I've talked about in past videos that we have to get over that. We have to open the door ourselves, invite ourselves into that room. My first experience with financial advisors, who were wealthy old white men in suits, was truly horrible. Horrible. I was completely taken advantage of as a young woman who trusted a professional with my money and with financial advice. That situation scared me off of learning more about finances until finally another emotion came into play instead of shame because I shamed myself for a long time about getting taken advantage of by a professional. Somehow that was my fault, right? I blamed myself. So instead of continuing to feel ashamed and not doing anything about it, I finally started to feel another emotion which was simply pissed off.

[00:16:29]I was very angry at what happened. And that's when I decided, you know what? I was paying this professional to educate me and to guide me and and all of these things. And that didn't work out. So you know what? Now I got trust issues. So I'm going to take it on myself. I'm going to take my education into my own hands. I didn't want to be taken advantage of by another rich man again.

[00:16:53]I did not want that. So, I decided that I would become financially literate myself. I would teach myself financial education. I would learn about things like index funds, ETFs, compound interest, dollar cost averaging, retirement accounts, 401ks, IRA, all the things. Things that I was not taught in school. I hope is taught in school now.

[00:17:15]But when I was in school, that was not taught to me. I was given a pregnant belly to put on and try to go to cheerleading practice with it. Today, there are incredible books. There are podcasts. There are free YouTube channels that speak about this. There are courses that you can invest in.

[00:17:34]There is so much information and access and knowledge that other people want to share with us on the internet that we can start to take our financial education into our own hands. You can start to invest in in yourself, in your education, your finances, your security, your future. Education is one of the highest return on investments that you will ever make and no one can change my mind about that because no one can take away your education. No one can take away the knowledge that you learn for yourself. Once I started to learn all of these different things about investments accounts and my my Roth IAS, no one now can take that away from me. I have that knowledge. I know what to do with it.

[00:18:13]And that means I can actually do something with it. And I will be frank, I would rather spend $25 on a finance book or for a course with someone who knows more than me that can help teach me things and and help me learn and expand my mind about finances, then I would rather invest $250 on some random thing that I bought shopping because I was having a bad day. Education is one of the highest returns on investments that you will ever make. Not only does that come with the cost, like I'm saying, like if there's a book that you want to buy or a course that you want to enroll with, sure those comes with cost.

[00:18:49]But the time, the time that you decide, I'm going to commit this time to listening to a podcast, to reading a uh the finance book, to seeking out the YouTube video, the time that you decide to put into your education, all of that matters, too. You're investing your time in your education. But one thing that I'm going to I'm going to piggyback off of that. Okay? So, we're going to learn about investing, right? But the fifth thing that we're going to do, the fifth habit that we're going to talk about in this video is we need to open the investment account.

[00:19:20]Okay? And and maybe this sounds obvious because we just turned we just talked about learning about investing. So, obviously, what are we going to do next?

[00:19:26]But you know how many people learn and then just kind of still continue to sit on their hands? How many of you have heard me talk about opening a high yield savings account and you're still haven't done it?

[00:19:36]So once we've learned about investing and we're like, "Okay, maybe that's not as scary as it seems." But what's the next step is actually investing your money. That gets a little scary. I know for me it still took me a very long time to open those investment accounts. And I made one huge mistake that I'm going to go over with you. Huge mistake that I made when I started investing. Knowledge without action does not build wealth.

[00:20:00]Okay? So we have our knowledge. Great.

[00:20:03]We're on our way to building wealth. But now you got to put the action behind it.

[00:20:07]You can teach yourself everything that you need to know about investments, the stock market, a 401k, the Roth IAS, and then if you don't open the accounts, nothing will change. The action is not there. So whether this is something like through your employer's retirement plan, maybe it's opening your own brokerage account, the only important thing is simply starting. Should you have started yesterday? Yes, but the next best day it's today. Time matters more than perfection. And you will also hear a lot of industry experts say that time in the market matters more. And the one huge mistake that I made, please write this down because I did not get it. When I was reading and learning and I saw people say, "You need to open an investment account, start investing." I said, "All right, bet. Let me do that."

[00:20:52]I opened the investment account. I opened my individual brokerage account.

[00:20:56]I put some money in there and I said, "Yeah, you did it, girl. You're investing money. Look at you go." And then I would like look at my accounts and you know nothing would be happening and I'm like okay maybe I don't have enough money in there. And so when I would have extra money I would put it into my brokerage account and then still nothing would happen. I was like well this is getting weird because everyone said like you like invest and then like you like money comes to you. So like where like what am I Hello Do I need to speak to the moon some more? I put my money into an investment account and then I didn't invest the money which when I say it now it sounds so obvious but for someone who was so unfinancially savvy at that time I truly just read that as open the investment account and that's investing money that is not the case so like for me I again I use Fidelity so I opened up my individual brokerage account I put money in there but that is then when you actually have to do something like buy stocks That is what you are investing in. That is when you start to see your money grow. That is when you see the actual difference. Wow, it took me way too long to figure that out. So, please do not make this same huge mistake. I I listened to a podcast once about a woman who she was like fairly younger. I want to say maybe she was like in her in her 40s and she started her investment account and she never actually invested in anything. And then she did not realize this until after she retired and she was like, "Look, I have these investment accounts." And her financial adviser, whoever it was, had to say, "You never actually invested in anything." So, yeah, your money's there.

[00:22:33]Your money's still there. Your money didn't go anywhere, but your money didn't grow either.

[00:22:40]I remember listening to that podcast and being like, "That could have been me.

[00:22:44]That could have been me. That could have been me." because that was me for way too long. So, please do not make that mistake. And I'm I'm going to keep talking about investing here as we move through the habits because I also want to talk about investing every single month no matter what. Cuz remember over here we don't do the drama. We are not dramatic. We understand over here and our 2026 glow up that we've had together. It's now July. You know what?

[00:23:09]One thing that we understand, drama does not produce results. Consistency does.

[00:23:14]So building wealth is actually pretty boring and honestly it can be a pretty slow process. I know we love instant gratification. I know we love these instant results and we want to be a millionaire overnight and all of these things but building true wealth is actually quite boring. It isn't about timing the market. It isn't about buying the next hot stock because I will tell you because I've also made this mistake.

[00:23:36]By the time you you hear someone saying, "Hey, this is the next hot stock to buy." It's already too late. It's too late. The habit is showing up every single month and investing every single month. That's why what did we do earlier? We gave every single dollar a job. We decided that we are going to put that money into savings before we say, "Oh, this is all the the fun stuff that we bought this month and now I have this much left. I'll put that into savings."

[00:24:00]Nope. Flip it. For this money maxing tip that I want to share with you, it's a finance habit that I started in my 30s that I thought sounded quite insane, but actually ended up being one of the biggest game changers to me. It's not just starting my high yield savings account. It is keeping the majority of my money in my high yield savings account. Whenever I talk about this on YouTube or on Instagram, I always get so many comments of people being like, "What are you actually talking about?"

[00:24:24]But think about it. We just keep money in our checking account. So, so we have it. So, we have that like instant access to it. It's tied to our debit card. We can get it right away or cash out or whatever it may be. But when I started to leave money automatically transfer it into my high yield savings account first, that grows compound interest every single day. So, I'm just earning more and more and more and more money versus if I have it in my checking account, it's just sitting there just in case or I'm having a bad day and I need to shop and I need this product. Having my money in a high yield savings account and not just sitting in my checking account slashed emotional and impulse shopping for me slashed it. And I know people always ask me, well, like how do you pay your bills? My bills are not a surprise, babe. What did we just talk about? You designate where your money is going every single month. Yes, there are months where you have an unexpected you got to go to urgent care, you got something going on. Like I I get that, but at the end of it, month over month, if you track your finances and you have the data on yourself, your bills should not be a surprise. You should know how much your rent payment is or your mortgage payment is, and you should know what day that's due on. You should know if you have credit card payments, what that is going to be, what the date they're due on. You should know when your cell phone bill is coming out. You should have all of that information on yourself. Your bills should not be a surprise. So, I typically have two times a month that I transfer from my high and honestly most of the time it's one. But I know when I will transfer money from my high yield savings to my checking account so I can pay my bills and go about my merry way. It is one of the biggest game changers with finances that I made for myself was choosing to pay literally myself first in my savings account and watch my money grow and take out just what I needed for my bills. And yes, a little bit of fun money in there.

[00:26:05]But the majority of it is going in my high yield savings account. My bills are not a surprise. My finances are not a surprise. I do not look at the end of the month and think, "Where did my money go?" Because I assigned my money their job. Every dollar has their job. Making more money does not create wealth.

[00:26:21]Keeping your money and making it work for you, that is what creates wealth. I don't want to do a video and just tell you how to work harder and work harder and work more and work more. We are already stretched. We are thin. We are working more than ever. We are doing side hustles. We are trying all the things. I don't want to tell you to work harder in my videos. I want to tell you how to make your money work harder for you. And so the seventh thing that we're going to end on that ties all with these last things that I'm talking about with investing and such is I want you to increase your financial IQ every single year. Every year I want you to learn a little bit more about finances because the point of it is that I want you to continue the thought of continuing education when it comes to your finances. One of the biggest like lessons that I had to learn about money was that you don't just learn about money one time. You have to continue to learn about money. I I'm I'm going to have to continue to learn about money forever. I'm always seeking I listen to a financial podcast every single week. I still read financial books. I seek out videos on financial education.

[00:27:21]Sometimes, yes, they're saying exactly what what maybe I already know, but it's kind of like a nice like pat on the back like, "Oh, okay. I knew that." Sometimes I hear new things. I listened to a podcast the other day about like health insurance and different ways to say I was like wow I had no idea that was on one of the financial podcasts I listen to. It's called Financial Feminist. It's a book I recommend often. She also has a podcast. It's great. What I know about money got me started right in my 30s, but it's not what will take me to the next level. what I learned almost 10 years ago. Yes, some of that is still in play. But in today's world that is constantly changing and evolving, it is actually quite silly to think that just because we learn something once, we've suddenly become the master of it or that thing will never change. Continuing education applies in so many areas of our lives. It's something as simple as being a YouTuber. This is not the same career that I started in 2015. I have learned how to change showing up on camera, editing my videos, marketing my videos, SEO, thumbnails, all of that changes over time. Finance is most definitely not excluded from that. I think we can get into the mindset sometimes because I did that finance is something that you like figure out once and you think you got it. I read start an investment account. I started an investment account and I said got it.

[00:28:41]If I would have just left it at that and I would have continued to not pick up another finance book, not listen to another financial free video that was put out for me or seek out a podcast, I would have thought, "Got it." And I would have been like that woman who came to retire and realized her money never grew. The truth is money is always evolving. Tax laws change. [laughter] Okay? Investment options change, your opportunities change, and think about it. Your life changes, your financial goals will change. So, every year or every 6 months or whatever you want to make it, give yourself one financial focus, one thing that you want to learn more about. Don't make it complicated. Don't pick 10 things, especially if finance still feels like above your head, like it still does to me sometimes. Pick one thing. Maybe it's understanding ETFs properly so that you can invest in them. Maybe you want to learn how taxes work for businesses so you're not just going off the word of your accountant, but you actually understand them. Maybe you want to understand retirement accounts, what exactly they are, how they work, what are you contributing to, why it matters in the long term. Your goal doesn't have to be to become a finance expert. The goal is simply to stop being intimidated by your own money. The moment that you understand how your money works is the moment that you stop outsourcing your financial future to chance. And I think for women in their 30s and beyond, this is where things can really start to shift for you. You're no longer just earning money or earning more money and hoping that it works out. You're actually directing your money intentionally. So, if you take nothing else from this video today, I I want you to be write this down. You don't need to know everything about money today. You don't. You just need to commit to learning a little more at a time. What do I talk about in so many of my habits videos? It's not about changing our life overnight. It's about being 1% better every day. That knowledge will compound too, just like your compound interest. I think sometimes social media can make us believe that wealth comes from like one lucky investment or one viral business or one huge paycheck. But most financially successful people simply repeat boring habits, for months, for years. They automate, they invest, they continue to learn, they ask questions, they let time do the heavy lifting. If you're entering your 30s or honestly any age, if you're entering your 30s or honestly any age, I hope this video has inspired you to start building your wealth intentionally versus hoping that it happens almost accidentally. So, I'm so happy you're here. Thank you so much for watching and I'll see you in the next one. Bye.