over the last five years, I've spent $889,000 on personal development across coaches, courses,

masterminds, events, and agencies, 39 programs in total.

Some of them changed my life.

And four of them made me want to literally throw up.

So in this video, I'm going to show you every single receipt, how they impacted my income

each year.

And also, I'm going to grade each program A through F, with A being the absolute best return on investment. And F being, this sucks. I wish I would have never done this. I wouldn't wish it's on my worst enemy. So after watching this video, you'll have a crystal clear understanding on what works, what to avoid, and how it can impact your income. Because here's what nobody tells you. The cheapest program I bought in the last five years made me a quarter million dollars and the most expensive ones almost broke me. Let's get into it.

So three quick ground rolls before we get started. Number one, I'm not going to pretend that I can

calculate the ROI on each program. So what I'm going to do is just break down the total spend per year,

my business income per year, and my take-home income per year,

so that you guys can draw your own conclusions from each one of those data points.

Rule number two, every program gets a letter grade. A through F, no participation

trophies. I'm going to break down exactly what rocked, what sucked, and why so that you

don't waste your hard-earned money. And number three,

at the end, I'm crowning a category champion, the highest overall return on investment

across five years, coaches, courses, masterminds, agencies, or events. One of them is going

to surprise you. What made me the most money? Let's get into it. All right, guys, so as I'm

pulling up my document, we're going the years 2020 through

2025. So for reference, for anybody that's new that doesn't know who I am or why you should listen

to me, the years 2018 through 2022, I was employed working a corporate job as a B2B sales rep.

So any income that you see there is going to be correlated to my W2 job through my salaries and commissions. 22, I left that job to go travel full-time around the world and launch my own companies. You'll see that reflected here. And then 2022 through today, these last four years, I've been a full-time business owner. So I built four companies, bought four companies, and we're building a hotel. So that's

the reference for you guys to understand. And at the very end, I'm going to break down my

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