Credit card declined. Wallet empty. Bank account in the red - we've been there. 
 
Let's face it: over 80% of millennials are in debt. 
 
And if you're one of 'em, you're probably on the edge of your seat every day - waiting for that next paycheck.

And when that paycheck comes? Back to zero we go.

You've probably tried to take control already. Maybe you tried budgeting. Paid one of your loans off earlier. Invested in a couple of stocks. Saved 10% of your income every paycheck.  

But let's face another fact: things always get outta control.
 
Another expense to the budget. A surprise cost you couldn't plan for. Interest rates going UP on those loans and returns going DOWN on those stocks.

No matter what you do, you end up draining that "savings" account to "save" yourself from yet another fire.

And as a result, we can never have the freedom to do what we want. We can't make choices to get out of situations we don't want (*cough* crappy jobs). And we can't invest money into ourselves to fulfilling our true potential.

You should have a great job, great income, and a great lifestyle, but the reality is…you probably don't.

Fortunately, you don't always need money to change that.

You do, however, need the right mindset, and that's what we're asking you to pay today. By investing just an hour into listening to the newest episode of the Sage and the Outlaw, featuring Mr. Jay Jerome, you can perhaps get the greatest return on your investment this week (Money-back guaranteed. Well, the episode is free, but you catch our drift)

Look, we all know the formula to wealth is simple (Spoiler alert: it's "spend less + make more"). 

But here's the thing. Common knowledge isn't common practice. Why? Because sometimes, the PROCESS of common knowledge isn't ever talked about. How do you "spend less"? Where should you allocate your income? How do you MAKE more? (Please, no multi-level marketing schemes).

We're not here to talk about some high-class lifestyle of partyin' everyday riding Lamborghinis. That’s not always wealth. (Ever met someone who makes 200k/yr but still lives paycheck to paycheck? Yeah, those people exist). Jay is here to talk about the reality of those who've accumulated and kept wealth and what we can learn from ‘em. 

We're here to talk about playing the long game while havin' fun - the PROCESS of building YOUR wealth, including:

• Tracking your time and money, so you can face your facts to the right path
• Viewing how you spend differently, so you can enjoy spending on the things you truly value
• Holding yourself accountable for the life you want with your financial habits (Talk is cheap. Actions are worth more).
• Increasing your value, so you can increase your income (Again, please no multi-level marketing schemes) 
• And more

Trust us, even if you're drowning in debt, you can take strides to swim into wealth.

So, forget about sliding your credit card for this one. Just slide your finger down the screen and tap that play button. Let the passive income (*ahem* "knowledge") fast forward your way out of debt and into the journey of wealth.  

(FULL DISCLOSURE: THIS EPISODE IS NOT FREE. IT HAS A HIDDEN FEE OF 1 HOUR, 4 MINUTES, AND 2 SECONDS. NO REFUNDS. FOR COMPLAINTS OF THIS EPISODE, PLEASE SEE THE RATING SYSTEM)

Resources

• I Will Teach You to be Rich by Ramit Sethi
• Getting Everything You Can Out of All You've Got by Jay Abraham
• Atomic Habits: An Easy and Proven Way to Build Good Habits and Break Bad Ones by James Clear
• The Millionaire Next Door: The Surprising Secrets of America's Wealthy by Thomas J. Stanley
• Creditkarma.com
• Mint.com