What if the real problem isn't that you spend too much—it's that you're spending wrong? Today, Donny reveals how to enjoy life today while building wealth for tomorrow, without guilt or sacrifice. This isn't theory—his 15-year-old daughter Mia just used this strategy to pay for her $3,000 volleyball camp while her savings actually grew.

In this episode, you'll discover:

• The Zero Problem - Savers: Save → Spend → Zero. Borrowers: Spend → Pay back → Zero. Both strategies leave you stuck. You can't build wealth from zero.
• The Balance Equation - Do something good (build wealth) before something bad (spend wealth). Apply the same logic you use with your kids: vegetables before ice cream.
• The Three-Step Strategy:

1. Put $10,000 into your Money Mansion (guaranteed growth)
2. Borrow $10,000 against that asset
3. Spend borrowed money, pay it back monthly. Result: Your money compounds forever while you enjoy life now

• Why Interest Is The "Cost of Balance" - Your Money Mansion grows exponentially (compound interest). Your loan shrinks linearly (simple interest, decreasing principal). You win every time.
• The Mia Transformation - At 15, she understands compound interest and inflation better than most adults. She paid for volleyball camp without touching her savings—which grew. She'll use this strategy for life.

Key Mindset Shift: Stop choosing between "enjoy today" or "save for tomorrow." Balanced spending solves both simultaneously.

The Reality: You have an expense coming. Continue the unbalanced approach (spend and hit zero) or adopt balance (build first, spend second with borrowed money). The small interest cost eliminates the zero problem forever.

Key Quote: "Don't spend to get by. Spend to get ahead. Once you learn to spend and get richer, you'll never be at zero again."

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What happens when you grow up in real estate royalty but refuse to follow the conventional playbook? Shae Invidiata—16-year real estate veteran, TEDx speaker, and member of a family that’s been #1 in the world multiple times—reveals her most controversial wealth-building insights.

Her opening confession? “Knowing what I know now, I would not have purchased my first property for myself.”

In this episode, you’ll discover:

• The “Buy Your Second Property First” Strategy - Why your first real estate purchase should be a multiplex that generates income, not a home you live in
• Why Universities Are Dying - Shae’s bold prediction that traditional education will be obsolete within two years thanks to AI, and why she won’t contribute to an RESP for her daughter
• The RRSP Truth Bomb - Why government savings programs are designed for the working class while insurance products protect the wealthy elite
• Multi-Generational Wealth - How Shae just secured a $7.3 million tax-free policy for her 10-month-old daughter Koa—that will pass to Koa’s future children

The Mansion or Mirage Game:

• Maxing out your RRSP?
• Paying off your mortgage fast?
• Real estate always appreciates?

Key Quote: “You cannot save your way into prosperity anymore. That was a strategy in the ’40s, ’50s, and ’60s. It does not work today.”

Shae grew up watching abundance but learned early that wealth requires thinking differently than everyone else. This conversation challenges everything about traditional financial advice—from education savings to real estate strategy to building legacy wealth.

Connect with Shae: @shaeinvidiata on all socials | Podcast: “The Wellthy CEO” (Tuesdays)

Hosted on Acast. See acast.com/privacy for more information.

What if a sports-betting movie villain could teach you more about wealth than your financial advisor? In this episode, Donny reveals the surprising financial wisdom hidden in Back to the Future Part II—and how Biff Tannen's almanac strategy holds the key to building wealth with certainty instead of hope.

Remember when old Biff traveled back to 1955 and gave young Biff a sports almanac containing 60 years of game results? While we've all fantasized about going back in time with perfect knowledge to get rich, what we've missed is that Biff's actual strategy is something you can implement right now—no time travel required.

In this episode, you'll discover:

• The Zero Problem - Why both savers and borrowers end up at the same place (zero) and why you can't build wealth from there
• Why Biff Never Actually Invested - He eliminated risk entirely through certainty, and you can too
• The Paralysis Problem - How the financial industry has trapped you between risk and decay, leaving you intimidated and doing nothing while inflation eats your wealth
• Contracts Create Obligations - You use contracts for everything important in your life (mortgage, employment, insurance) except wealth building. Why?
• The Johnson Family vs. The Smith Family - Two families contribute the same amount over 30 years. One depends on market timing and hope. The other has guaranteed outcomes regardless of crashes. Which has a financial almanac?

Key Mindset Shift: "Contracts create obligations. Obligations are certainties." The wealthy don't hope for returns—they make wealth-building someone else's legal obligation.

The Big Reveal: The specialized contract Donny discusses is participating whole life insurance—the same vehicle Walt Disney used to fund Disneyland and Ray Kroc used to expand McDonald's when banks wouldn't help them. This isn't about insurance as most people understand it. It's about using centuries-old financial vehicles the way wealthy families have for generations.

Your Choice: You're in the same position Biff was when he received that almanac. Keep hoping market timing works in your favor, or create a foundation of contractual certainty that grows regardless of what happens in the economy.

Key Quote: "Biff's almanac gave him knowledge of future events. You can create contracts that give you control over future outcomes. The wealthy don't bet on timing—they create certainty."

Whether you're frustrated with market volatility, intimidated by investing, or simply tired of hoping your financial plan works out, this episode challenges you to think like Biff—not the time travel part, but the certainty part.

Hosted on Acast. See acast.com/privacy for more information.