brought to you by the every dollar app start budgeting for free today when you do a smart thing a

stupid way it's stupid it's no longer smart that was deep wasn't it well i mean here's a smart thing

getting a car that's reliable to get your back and

forth to work. Going and leasing a car that costs more than you make in a year is doing a smart

thing, buying a car, a stupid way. And so you made it stupid. I've done that. All of you have done that. If you've made

mistakes with money, you know what that makes you? Over 12. Everyone has. Everyone's done something

dumb with money. And I think one of my pet peeves, I guess because my parents were in the real

estate business growing up, and I got in the real estate business immediately. Three weeks after I turned 18, I got my real estate

license, sold a house two weeks later to a guy who buys a house from an 18-year-old. I'd managed to

pull it off. Anyway, so I love real estate, and I love the idea of homeownership. And all of our

data around becoming a millionaire says that home ownership and getting a paid for home is a key element to your first one to five million dollars of net worth.

So if you want to become a millionaire, there's really two basic things you have to do.

The data tells us.

One is steadily invest in your retirement, like 401ks and Roths in good growth stock mutual fund over a 10 to a 15 year period of time.

And the other ones get a nice home that you can afford and get it paid off. If you do those two

things, the data says you are more than likely going to be a millionaire

as soon as that happens.

And it's about a 10-year curve to a 15-year curve, something like that.

But then we took that or we took the idea of, hey, getting extra skills, getting an education,

a four-year degree.

It's a good thing.

But we turned it into a stupid thing because we did a smart thing, a stupid way,

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