If you don't understand money, you'll never be truly wealthy.

Here are 15 money skills everyone should know by age 30: 1. Growing Your Network

If you want to get rich,

Start building relationships with:

- Lawyers
- Bankers
- Investors
- Accountants
- Wealth advisors
- Business owners

Your network is your net worth.

A Roth IRA is one of the most powerful wealth building tools.

But only 10% of Americans own one.

Here's what you need to know about the Roth IRA:

(and how a Roth IRA can make you a TAX-FREE millionaire) In 2010, Max Levchin, the co-founder of PayPal & Yelp chairman, sold 3.1 million Yelp shares in his Roth IRA.

That was a ~$10.1 MILLION profit.

Normally, you have to pay taxes on your profit.

But Max won’t have to pay a penny.

I've studied every market crash since 1900.

They all share ONE pattern that could make you millions if you recognize it now: Markets don't crash because of numbers.

They crash because of human emotion:

• Fear (losing money)
• Uncertainty (what to do next)
• Herd mentality (following others)
• Greed (chasing returns)

Remember: The media profits from panic. "If it bleeds, it leads."

I spent 11,923 hours studying finance so you don't have to.

Here are 7 money rules everyone should know by age 30: 1. 50/30/20 Rule

Budget your income based on your:

• Needs (food, rent, etc.)
• Wants (vacations, new cars, etc.)
• Goals ( savings, extra debt payments, etc.)

Needs = 50% of income
Wants = 30% of income
Goals = 20% of income

The tariff tsunami is coming.

99% of Americans will panic. The top 1% will profit.

Here are 3 money moves the rich are making now (before it hits): I've analyzed how the top 1% protect their wealth during downturns.

And the data shows EXACTLY where the smart money is moving today.

Here's how to recession-proof your finances while everyone else panics:

99% of people will never build real wealth.

It’s not because they’re lazy.

It’s because the game is rigged.

Here’s how the system keeps you poor — and how to escape it: The financial system is designed to keep you poor.

In this pyramid, you're at the bottom:
• Banks profit from your debt
• Corporations profit from your spending
• Employers profit when you feel stuck

Let me show you how each one works against you:

The Dynasty Trust is the most powerful wealth preservation tool.

But only 0.1% of Americans know about it.

Here's everything you need to know about Dynasty Trusts:

(and how wealthy families use them to pass down billions - completely tax free) What is a Dynasty Trust?

It’s an irrevocable trust designed to pass wealth down multiple generations...

WITHOUT estate or generation-skipping transfer (GST) taxes at each handoff.

Translation: More $$$ stays in the family.

Trump's policies will reshape the entire $29 trillion economy.

After 7 years in finance, I've identified where the money will flow.

Here are 7 sectors about to explode while everyone else is looking the wrong way: The U.S. economy is $29 TRILLION – and the biggest spender isn’t you or me…

It’s the government — and when government spending shifts, smart investors get rich.

Let me explain.

The mega backdoor Roth IRA is a legal tax loophole.

It lets you put up to $77,500 into a Roth - completely tax-free.

But 95% of investors don't know about it.

Here's everything you need to know about the mega backdoor Roth IRA:

(and how it can save you $100k+ in taxes) Why does it exist?

401(k) plans allow 3 types of contributions:

1. Pre-tax (lowers taxable income, taxed later)
2. Roth (taxed now, grows tax-free)
3. After-tax (almost no one talks about this)

The after-tax bucket is the key to the mega backdoor Roth

The HSA is the ONLY triple tax-advantaged account.

But only 9.3% of Americans own one.

Here's everything you need to know about the HSA:

(and why you should have one) What is an HSA?

HSAs are Health Savings Accounts.

You save money in HSAs for future medical expenses.

HSAs are the ONLY triple tax-advantaged account.

But before you just “get” an HSA, you need to qualify for one.

Here’s how you qualify for an HSA:

If you don't understand taxes, you'll never be truly wealthy.

Here are 11 strategies the rich use to legally pay less in taxes: 1. Employ Your Kids

Business owners listen up

If you have kids under 18, you can:

• Employ them
• Pay them $14,600/yr tax-free
• Deduct your kids' salary from your taxable income

When you employ your kid, that's a business expense

And business expenses are tax-deductible

If you don't know how to manage money, you'll never be truly wealthy.

Here are 5 money management methods everyone should know: 1. Budgeting

Budgets help you figure out where your money is going.

To create a budget, track every cent:

• How you made it
• How you spend it

Then categorize your spending as:

• Needs
• Wants
• Wishes

Spend on your needs and save/invest the rest.

I spent 11,923 hours studying finance so you don't have to.

Here are 7 finance rules everyone should know: 1. 50/30/20 Rule

Budget your income based on your:

• Needs (food, rent, etc.)
• Wants (vacations, new cars, etc.)
• Goals ( savings, extra debt payments, etc.)

Needs = 50% of income
Wants = 30% of income
Goals = 20% of income

The HSA is the ONLY triple tax-advantaged account.

But only 9.3% of Americans own one.

Here's everything you need to know about the HSA:

(and why you should have one) What is an HSA?

HSAs are Health Savings Accounts.

You save money in HSAs for future medical expenses.

HSAs are the ONLY triple tax-advantaged account.

But before you just “get” an HSA, you need to qualify for one.

Here’s how you qualify for an HSA:

If you don't understand taxes, you'll never be truly wealthy.

Here are 11 strategies the rich use to legally pay less in taxes: 1. Employ Your Kids

Business owners listen up

If you have kids under 18, you can:

• Employ them
• Pay them $14,600/yr tax-free
• Deduct your kids' salary from your taxable income

When you employ your kid, that's a business expense

And business expenses are tax-deductible

Warren Buffett (the world's 8th richest person) recommends investing in index funds.

But there are 2,500+ index funds to choose from... so here are my top 7: 1. $VTI (Total Stock Market)

- 5yr Return: 88.44%
- Dividend Yield: 1.26%
- Expense Ratio: 0.03%

Overview: Invests across Large, Mid, and Small-cap US companies across all sectors.

Wealth hack:

Spend your money buying more money.

7 other wealth hacks: 1. Grow Your Network

If you want to get rich,

Start building relationships with:

• Lawyers
• Bankers
• Investors
• Accountants
• Wealth advisors
• Business owners

Your network is your net worth.

If you only have 1 income stream, you'll never be truly wealthy.

Here are 7 income streams you can start building today: 1. Side Hustle Income

A side hustle is the easiest way to upgrade your life.

Earn extra cash by:

• Selling products
• Becoming a consultant
• Offering your skill as a service

Take a few hours every day to become a sidepreneur.

I spent 11,923 hours studying finance so you don't have to.

Here are 7 finance rules everyone should know: 1. Rule of 72

Find out how long it will take your investment to DOUBLE.

Divide 72 by the growth rate of your investment (expressed as a percent).

Example:

How long will it take to double your investment at 10% interest?

72 divided by 10 = 7.2 years

A Roth IRA is one of the most powerful wealth building tools.

But only 10% of Americans own one.

Here's what you need to know about the Roth IRA:

(and how a Roth IRA can make you a TAX-FREE millionaire) In 2010, Max Levchin, the co-founder of PayPal & Yelp chairman, sold 3.1 million Yelp shares in his Roth IRA.

That was a ~$10.1 MILLION profit.

Normally, you have to pay taxes on your profit.

But Max won’t have to pay a penny.

If you don't understand taxes, you'll never be truly wealthy.

Here are 11 methods the rich use to legally pay less in taxes

(and how you can apply them too) 1. Employ Your Kids

Business owners listen up

If you have kids under 18, you can:

• Employ them
• Pay them $14,600/yr tax-free
• Deduct your kids' salary from your taxable income

When you employ your kid, that's a business expense

And business expenses are tax-deductible