My biggest financial regrets in my 20s…

(as a first generation millionaire) #1: Spending too much money on my ex-girlfriend

I was young and foolish, I thought I needed to “impress” her by spending most of my paychecks on designer bags and expensive restaurants, only to realize that the Gucci bags and $100 dinners didn’t help our relationship to last.

Our son will have $1,000,000 to his name by 18.

Here’s how: First we’ll open an LLC inside of a Trust.

My salary progression as a cop in California 🇺🇸 Year 1: $98,000

Graduated from the police academy and started working as a beat cop in Oakland, CA.

At 29, I bought a brand new $120k Porsche.

A year later it was worth $90k.

3 years later I sold it for $85k.

It was the dumbest financial decision I ever made.

Knowing what I do now, here’s what I’d do BEFORE buying a luxury car: I didn’t grow up with much.

So when I finally started making good money from my ATM business…

I thought, “I deserve this.”

It felt amazing to drive it around.

But financially it set me back years.

If I could go back, I’d do it differently.

Former police officer reveals why he’s leaving the U.S. after 37 years… I’m a proud American.

I was born in 🇺🇸
Worked as a cop in 🇺🇸
Became a multimillionaire in 🇺🇸
Built 3 multimillion-dollar companies in 🇺🇸
Found & married my best friend in 🇺🇸

Leaving this country was a tough decision.

But it has to be done because I have enough…

UBER doesn’t own any cars.

Airbnb doesn’t own any homes.

Spotify doesn’t create any music.

You can copy their model to build a $6,000/month side hustle: These companies aren’t special.

Uber connects drivers with customers.

Spotify connects creators with customers.

Airbnb connects landlords with customers.

It’s genius.

But you don’t need to create the next Uber, Spotify, or Airbnb to become a middleman…

Jason Derulo owns a car wash business.

Beyonce owns a meal delivery business.

Steve Carrel owns a gift shop.

Here’s why celebrities invest in boring businesses:

(they know something that you don’t) Your active income isn’t guaranteed.

One day you can be a famous actor…

The next day you can wake up with an illness or injury and say goodbye to your career.

That’s why smart celebrities use their active income to build passive income sources and secure themselves financially.

I asked a divorce lawyer what destroys most marriages.

His answer? It's not adultery.

It's "financial misalignment".

Here are 8 truths about getting rich as a couple (instead of getting divorced): Most couples think love is enough to build wealth together.

But 73% of divorces are caused by financial stress.

The couples who make it aren't just in love…

They're aligned on money.

Here's what they do differently:

I asked my CPA how couples can become millionaires.

He said:

“At the very least, open an LLC today.

Every rich couple has at least one.”

I pay my CPA a sh*t ton of money to reveal what I’m about to share: Most couples think building wealth means working harder and saving more.

But you can't save your way to wealth when the government takes 40c%+ of everything you make.

The solution?

Become business owners and open LLCs.

Here’s why:

PayPal makes disgusting money.

2021: $25.4B from processing fees.
2022: $27.5B from processing fees.
2023: $29.8B from processing fees.

You can legally “steal” their strategy to build a $5,000/month side hustle and nobody’s talking about it: Their business model is simple:

If you buy a $200 pair of Jordan’s online with your debit or credit card…

-> They get $5.98 (2.99%)

This is called payment processing.

Visa and Mastercard are not just credit card brands…

They are an evil duopoly profiting billions off normal Americans.

It's time to expose the disgusting truth: 242 Million Americans have a debit card.

191 Million Americans have a credit card.

Chances are high it's either a Visa or a Mastercard.

When you pay with your card, the business that receives your money has to pay a “swipe fee”.

Now, here’s where it gets disgusting…

I arrested a dr*g trafficker with $1,000,000 cash hidden in his walls.

He told me something I'll never forget:

"Detective... I'm glad this happened. I can finally sleep."

Here's what arresting 1,000+ criminals taught me about money: I've made 1,000+ arrests in my 7-year career.

Written 100+ search warrants.

Seized 10s of millions in illegal cash for money laundering

From street dealers to cartel shot callers running multi-million dollar operations.

What I discovered changed how I think about wealth forever:

I’m 37.

I’ve tried 8 side hustles in the last 15 years.

2 lost me $100k.

3 made decent money.

3 retired me, my wife, and my mother.

If I had to start from scratch in 2025…

These are the only 3 side hustles I’d focus on: Quick backstory…

I worked in sales for 6 years & law enforcement for 7 years.

Both paid 6-figures.

But I worked 80h+/week.

I missed Christmas. Easter. Birthdays. Every single year.

So I started different side hustles to supplement my income & buy back my time:

Don’t buy her a Chanel bag.
Don’t buy her a Gucci purse.
Don’t buy her diamond earrings.

Instead, buy 5 credit card machines that will pay for her manicures, pedicures, and hairstyles.

How it works:
1/ Buy a CC machine for $300
2/ Put it at a local business
3/ Get 1% per swipe

I started this side hustle 2 years ago.

Today, my portfolio makes $25k/mo.

This covers my wife's allowance.

I have 0 employees & never visit the locations.

Here's how to get started:

I turned 35 last month.

This means, I already lived around 47% of my life (according to the average American’s life expectancy)

Scary huh?

Nevertheless, here are my best 35 life cheat codes worth sharing.

(Read if you don’t want to waste your life) 1. Don’t rush into marriage. It’s okay to be in your 30s and still look for the right partner.

2. No one thinks about you. Except for your close family and maybe your best friend.

3. Call your mom & dad as often as you can. It’ll mean more to them than you can imagine.