Too many of us have been taught that investing is dangerous… but the truth is, not investing is far scarier. In this chapter, Mel shares the deeply personal story of watching her father’s decline with Alzheimer’s and the financial devastation that came with it—a wake-up call that “being good” and “working hard” were never going to be enough. You’ll learn why financial celibacy doesn’t protect you, how passive income changes everything, and why delayed gratification might just be your most powerful wealth-building tool. From side hustles to her first Prius deal to understanding how the wealthy play by different rules, Mel unpacks the mindset shifts that turn fear into financial freedom.

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