From Scarcity to Surplus: A Lesson in Financial Identity
Wealthy Way
Ryan Pineda
4.9 • 2.2K Ratings
🗓️ 27 May 2025
⏱️ 12 minutes
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Summary
Wealth without wisdom is just a faster way to burn out. Because money can take you places your character isn’t ready to sustain.
It’s not just about making more, it’s about becoming more. Because without inner maturity, external success becomes a weight, not a reward.
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About Ryan Pineda:
Ryan Pineda has been in the real estate industry since 2010 and has invested in over $100,000,000 of real estate. He has completed over 700 flips and wholesales, and he owns over 650 rental units. As an entrepreneur, he has founded seven different businesses that have generated 7-8 figures of revenue.
Ryan has amassed over 2 million followers on social media and has generated over 1 billion views online. Starting as a minor league baseball player making less than $2,000 a month, Ryan is now worth over $100 million. He shares his experiences in building wealth and believes that anyone can change their life with real estate investing.
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Transcript
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| 0:00.0 | I used to be actually super frugal before all this. |
| 0:05.2 | And I would always look at car payments. |
| 0:07.6 | I would look at mortgages and I would just like, whatever. |
| 0:10.2 | And then you start making money, you're like, oh, well, it's irrelevant in the grand scheme of how much we're making. |
| 0:15.4 | Like, what's a $3,000 car payment? |
| 0:18.4 | It's nothing. |
| 0:19.9 | And then things go south and you're like, no, it's actually |
| 0:23.5 | something. Like, I don't, like, I think I've stopped wasting money. That's good. I think you |
| 0:29.6 | waste, or me anyways, and I think this happens to everyone. You start making more money than you've |
| 0:35.2 | ever made. You waste just as a natural thing. And so getting back to like hey you know what i don't mind spending money on things that |
| 0:42.8 | uh i like but i want to be more uh not conservative but just more intentional yeah i think being |
| 0:51.7 | intentional about money is extremely important. |
| 0:55.0 | What I wonder about is what caused you to waste the money in the first place. |
| 1:00.1 | Like it was just a simple byproduct of making more money because I've never felt, I've never really felt that way. |
| 1:05.9 | And I don't think Graham has either, but I think Graham and I are for a little bit different reasons. |
| 1:10.2 | Yeah, I think it's also, I think wasting money comes from, well, I think there's a |
| 1:18.9 | couple of things. |
| 1:19.5 | So you'll get people who have no money, like habits or savviness, and they win the lotto, |
| 1:24.9 | they become a professional athlete, like those kinds of people, and they go bankrupt instantly, right? |
| 1:28.4 | Like, |
| 1:28.6 | that's a different thing than what I'm talking about or what I've done. |
| 1:33.9 | I think that for me, |
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