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How I got here:
13 yrs old: Became a semi-pro tennis player. Learned discipline through losing early
17 yrs old: Moved to the United States alone
21 yrs old: First startup exit
22–24 yrs old: Taught tennis to Bill & Melinda Gates, Richard Branson, Sultan of Brunei
24 yrs old: Built leveraged income products so I could earn without trading time for tennis lessons
28 yrs old: Graduated Vanderbilt MBA With Honors
28 yrs old: Joined Goldman Sachs during the Global Financial Crisis only hire from my class after 39 interviews
28 yrs old: Married my wife with less than $10K in savings
31 yrs old: Bought into Teles (borrowed money)Became President & COO of a 1-office brokerage. Scaled it from 1 to 22 offices
37 yrs old: Teles acquired by Douglas Elliman, 10x growth in 5 years ($300M to $3.4B)
38 yrs old: Founded Highland Prime (Private Equity) invested in and scaled dozens of service businesses
38 yrs old: Founded Kingston Lane (real estate tech). Self-funded. No salary. Early AI. COVID forced asset sale
40 yrs old: 2 exits, Mortgage Company (public buyer) + Escrow Company (management buyout)
42 yrs old: Joined Real as President, scaled from 6,800 → 27,000 agents. Grew valuation $200M → $1.2B. Fastest-growing brokerage in the world. Rang Nasdaq closing bell
45 yrs old: Joined Acquisition.com as President and Managing Partner and later CEO

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00:00 – What You’ll Learn in This Financial Literacy Guide
01:40 – What Is Financial Literacy? (Definition and Real-Life Meaning)
02:35 – Why a Wealth-Building Mindset Is Everything
03:15 – How Delayed Gratification Builds Wealth
03:56 – Lifestyle Creep: The Hidden Trap That Keeps You Broke
05:29 – Understanding Needs vs Wants (Mastering Money Choices)
05:49 – How to Create a Budget That Actually Works
07:30 – Automate Your Finances and Pay Yourself First
08:55 – Best Places to Save Money in 2025
09:42 – Don’t Mix Business and Personal Finances
10:02 – Building a Financial Dream Team (CPA, Lawyer, Insurance)
10:42 – Good Debt vs Bad Debt Explained Simply
12:00 – How Credit Works (Credit Scores & Reports 101)
15:14 – The Smart Way to Pay Off Bad Debt
17:00 – How Interest Payments Destroy Your Wealth
18:44 – Emergency Fund: How Much You Really Need
20:07 – Short-Term vs Long-Term Saving Goals
21:21 – Why You Need a High-Yield Savings Account
22:02 – Why Most People Struggle to Save Money
23:27 – Retirement Accounts Explained (401(k), IRA, TSP)
24:29 – What Is a Brokerage Account? Investing Basics
25:23 – Traditional IRA vs Roth IRA: Which Is Better?
26:45 – Mutual Funds, Index Funds, and ETFs Explained
29:13 – Real Estate Investing 101 (Rental Properties & More)
30:42 – The Risks of Real Estate You Need to Know
32:18 – Income Streams: Truth vs Hype
33:10 – Why You Need Life Insurance and Estate Planning
35:36 – Taxes, CPAs, and How to Keep More of Your Money
36:28 – Setting Clear Financial Goals That Get Results
37:38 – Teach Your Kids Financial Literacy (Generational Wealth)

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*Chapters*
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00:00 Intro
01:45 Jobs & Income
04:30 stay at home mom recipes???
09:25 NO SHOT SHES CALLING HIM LAZY LMAO
15:20 oop, okay maybe theyre both bad people
21:50 shes f*cking crazy, DREAMING OF CHEATING???
27:30 the tea is HOT, girl was PREGNANT
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36:15 shes a dangerous leech
54:12 nothing but excuses over and over and over
01:10:00 omg they owe money to everyone lol
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01:33:58 Buget!!
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