Nick Maggiulli, bestselling author of Just Keep Buying and The Wealth Ladder, returns to the Journey to Launch podcast to share practical, data-driven insights for building wealth at any stage of life.

In this conversation, Nick breaks down the six stages of financial progress using his new "Wealth Ladder" framework, explaining how to make smarter decisions with your money based on where you are on the ladder. From tackling low net worth to scaling into the millionaire range, Nick offers real talk on income, spending, and the mindset needed to grow wealth over time without sacrificing your life in the process. We also touch on work-life balance, the myth of overnight success, and why increasing your income is often more important than extreme frugality.

In this episode, you'll learn:

• The six levels of the Wealth Ladder and how to figure out where you are
• The "0.01% rule" and how to spend guilt-free based on your liquid net worth
• Why income is the biggest driver of wealth and how to grow it
• What most wealthy people do differently 
• How Nick balances full-time work, writing, and life and what he plans to change after marriage and starting a family
• Why it's more impactful to "give now, not later" when supporting your loved ones

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