I spent the next 20 years in financial services, surrounded by people's money every day. And here's what I learned: some people had truly mastered their money. But far more hadn't — and for a long time, I was one of them. I watched some people who looked rich, and others who'd quietly built wealth that lasted a lifetime.

I spent years absorbing information, reading books, taking courses and advice from every direction, before I realized something important: acquiring information isn't the same as applying it. That's the real struggle for most people. They're not stuck because they don't know enough. They're stuck somewhere between learning and doing.

If that's you, I get it. That's the place that keeps you up at night, repeating the same financial habits and wondering why nothing changes. Let’s get you back to sleeping, my friend. 

I actually wanted to be a lawyer. But then I landed a job in a bank, and I was hooked...