You Don't Need More Financial Advice. You Need to Understand This.

One of my favorite things about life is imperfection.

It’s like if you were to play basketball for your career and you played perfect every single game. You never missed a shot. Three-pointer, half court, foul shot — every single shot you took was a made shot. The game would be boring. Eventually you would lose excitement, because you’re no longer missing. Which is wild to think about.

I say that, and I feel that, because of this format. How I’m expressing the understanding and the knowledge I’ve picked up along the way — the last five and a half years and over 10,000 hours studying money, studying the current money system we’re in, studying what a solution to the money system we’re in looks like, understanding how to implement it on a practical level instead of just a theoretical level — that communication can be imperfect.

That’s why I like this type of format. I press record, I copy the transcript, I paste it, and there’s not a single edit that I make. I don’t chop it or cut it up. I just talk, and I share, and I see what happens.

I think there’s a lot of beauty in that imperfection, rather than a fully scripted video and curated piece of content that’s edited perfectly with no filler words and no long pauses. This is raw, real, authentic. I think the world is moving toward that type of energy and that type of frequency, and I think it’s something that’s valuable to practice and to express to the world, because authenticity and imperfection are the nature of the experience and the expression of life, and that is the most beautiful part of the experience and expression of life. Authentic imperfection.

I want to talk about four different things today. Four different topics. Four different questions, as it relates to money.

1. Why does money still feel overwhelming when there is so much financial advice available?

There’s so much financial advice out there, and I’ve certainly seen my fair share of it. Even yesterday and today I was watching videos on YouTube, mainly for research to see what else is happening. But there’s such a traditional approach to financial advice that I don’t think is actually foundationally serving someone on their experience, their journey with money, and their road and path toward financial freedom.

I think that largely stems from the fact that a lot of financial advice gives answers without first giving an understanding of the problem.

That’s not how math works. You don’t solve the problem and you don’t prove your work without understanding what the problem is that you’re solving. What’s x in the algebraic equation of money?

A lot of traditional finance advice is: budget better. Save more. Earn more, spend less. Make sure you’re investing in the right index funds. Invest in this stock, because of this reason and this reason and this reason.

But what is causing all of those things? Why is our money not the place where I can just save my money? What is the actual purpose of money, and how does my current experience relate to that?

When you get down to a question like that, you realize that part of the purpose of money is to transfer my value across time — and the money I’m using doesn’t do that effectively.

So before we talk about budgeting better and understanding our assets and our liabilities and becoming an investor and making our money work for us and putting our money to work: what’s happening with money that is causing me to do away with it the moment I get it, so that I can adequately transfer my value 10 years from now? Why can’t the money itself be the tool for my retirement and my savings?

There’s such a missing half of the communication, in my opinion, in terms of what’s happening with money and how to actually change your experience with money so that you’re not seeing and feeling money as this hugely vague problem that you don’t really see clearly, while you’re getting all of these answers from all sorts of different directions.

You could spend 10,000 hours listening to financial advice on TikTok, Instagram, YouTube, Twitter, podcasts, Substack newsletters — anywhere and everywhere. But if you don’t know what you’re solving for, and if you don’t really understand the foundation of money and the foundation of financial freedom, then how stable and true and real is the house of financial freedom you’re building?

The whole windshield of money, the lens of money, becomes clear. It goes from foggy to clear when you actually understand money and you see it for what it is, when you understand the history of it and the consequences of choosing this money versus that money. When that windshield becomes clear, it’s like, okay, I can actually see where I’m driving now. I don’t feel like I’m hindered in my money experience on a day-to-day basis.

When you start seeing money clearly, that’s when things really start to change.

2. What are you actually trying to accomplish with money?

Before you get into any of that, I think the first primary question is: what are we actually trying to accomplish with money? What are you trying to accomplish with money?

For me personally, money is a tool for time and energy. And to me that’s multifaceted.

On one end, it’s giving me the time — through the earning of money, through putting money on my side, and through understanding money — to be able to spend my time freely and how I choose. That means if I want to go to a coffee shop on a Tuesday morning, or if I want to drop everything at 1:30 p.m. on a Thursday and go dive in the ocean, I can. I’m not bound by money. There are certain levels to money, I would assert, both in the understanding and in the earning, that unlock levels of time.

On the other side is energy. Money is a form of energy, so the better money that I use is the better energy that I have. And the more money I have, the more energy I have. Then I can use that energy to buy healthy food, to make myself healthier, to make my day-to-day lived experience healthier and more vital and exciting. I don’t get sick as often. I can travel the world and go see other things. I can use the energy that I’ve accumulated to shape the experience of my life more freely and how I truly want to.

So what I’m trying to accomplish with money is, first and foremost, understanding the truth about money. What is it about money that is shaping my experience? What is it about money that I’m actually solving for, or what is money itself solving for? Then: how can I receive money, or how can I earn money, to unlock the different levels of time and energy in alignment with the truth of money? And how can I use the truth of money to my advantage in everything that I do in relation to money?

From there it becomes a game of alignment. When you understand the truth about money, you start understanding the truth about yourself, and what you actually want to do to attract money. In my experience, at least, when your lived experience is one where you can wake up in the experience of money and work while doing something that you actually enjoy and find truthful to you, money naturally flows to you as a result of that. That’s the real magical level.

A lot of people see money and financial freedom as an escape from reality. I can finally escape my job, or this current situation I’m in, and go do the things I want to do once I have this amount of money. I actually think the more profound and deeper and truer change is in transforming your relationship with money.

Money is fun. I love money. I don’t have any necessarily type of greed about it, but money is a really fun video game in a sense. There are different levels to it, and skills that I can get better at, and it’s also a signal to me of what kind of value I am creating and sharing with the world. In that sense, I can see money as a fun thing to have in my experience rather than a burden that I’m trying to get away from and escape. And that’s because I’ve changed my relationship with money through understanding the truth of money.

Everybody has their own equation for what they’re trying to accomplish with money. To me, understanding what you’re trying to accomplish with money — the why of it — is hugely important.

For me, the deeper purpose in relation to money, the one that relates to the time and the energy I’m getting from it, is building and raising a family. That, to me, is one of the highest purposes of being here, in my experience and in my opinion. That’s something I want to have time and energy for, and that’s not a short-term thing. That’s a rest-of-my-life type of thing.

So the better foundation I can build monetarily, the better father I can be, the better husband I can be. Then that shapes my next generation, and that shapes the people my kids interact with, and their future kids. It has this ripple effect. I think families are foundational to humanity. I think they’re foundational to nature. That’s something that gives me drive and passion and fire in working to earn money — but really to earn the time and the energy to be the best family man or father or husband I can be, because that’s what connects with me. That’s just what has naturally called to me for a long time.

My lived experience with money is different because of it. When there are inevitably difficult moments — setting up camera equipment, an upload taking a long time, writing something that feels like there’s a huge ice block in my head I can’t get out of — grounding myself back down into the why of what I’m doing in relation to money makes it easier, and more exciting, honestly. It gets me through obstacles and more difficult, tough times.

Whatever your answer is, is whatever your answer is. But gain clarity on it.

3. Why financial freedom always feels so vague

The third question I wanted to talk about is why financial freedom always feels so vague.

I would assert that most people can grasp the concept of financial freedom, and they can tap into the reality of what it would be like to be financially free. But it seems like a distant reality that isn’t very close to actualizing in any period of time that people would really be pumped about.

When you have a vague understanding of money, it makes financial freedom feel vague. It makes the path toward financial freedom blurry and scattered and chaotic. And then that becomes your experience. Your experience with money becomes blurred and scattered and chaotic.

When you have a really true view of money, and you’ve transformed your relationship with money, and you’ve understood on a deep level your why with money and what you’re trying to accomplish with money and what naturally excites you in the experience with money — then you can start to insert some of the second-layer pieces of financial advice. Budgeting, saving, what your assets and liabilities are, how much income you’re taking in, your expenses, all of that stuff. But now it’s built on the actual foundation.

When you combine those two things together, that’s what gives you a concrete, clear path to financial freedom. It’s one where you wake up in the morning every day and it’s like, I can see the path. It makes your experience way better, because you’re on the path. You’re in the boat traveling across the ocean and you can see the land. You have a map. It changes the game completely.

That, to me, is so valuable, and it makes waking up and feeling into money way different. Your relationship with money naturally changes when you put those two pieces together: the foundation of money based on the truth of money, and the second layer based on the more external relationship and experience with money on the financial side.

There’s the monetary side and the financial side, and there’s also the internal world with money and the external world with money. When you can see through and understand all of those things, everything just starts happening.

4. What it means to understand your current monetary reality

Which brings me to the fourth question: what does it mean to understand your current monetary reality?

It’s when you understand the foundation of money and the truth of money. And then you understand the second layer of finances — having clarity on the budgeting and expenses and everything that comes with that. And then you have an understanding of the internal world and how you relate to money: the beliefs that have been installed over the course of your life in your view and perspective and experience with money, be it in childhood or within the last day, or what’s popping up right now.

When you can see clarity on that and start to gain awareness of how your internal world is creating your external world — how your inner experience with money is creating your outer experience with money — then your outer experience of money begins to change as your inner experience begins to change.

When you apply everything together, it’s like the feeling of a great chef walking into a kitchen. They have this really grounded confidence about what they’re walking into. There’s no stress and chaos. It becomes an excitement and a dance and an opportunity to play and express with food and knives and ingredients and pots and pans, different flavors and spices. It becomes a joyous act and a really joyous experience.

When you really get to that place with money, I can’t tell you how worth it it is. It changes everything, because money is connected to everything.

If you were to really look around you — as I look around me right now, every single thing I’m looking at, even the air, which I can’t necessarily see, is connected to money. Through the money that pays for the AC unit that funnels through here, and the windows, my posters, the lights in this room. Literally everything here has money woven into it in some way.

A chef cooks three meals a day. Money is an everyday, all-the-time, no-matter-where-I-go type of thing, because it is connected to everything.

So when you can really transform that and change your experience with money, it changes everything. Your day-to-day experience feels way lighter. It feels way more exciting. It feels like money is on your side. That’s a really profound shift, and I think the world needs it.

A lot of it is understanding what system of money we’re currently in right now, rather than learning the next piece of advice on how to budget better and how to stop paying for Netflix, and don’t go spend $5 a day at Starbucks — or $9, as it probably is now at Starbucks — so I can save money and acting as if that makes the biggest difference.

Let’s go to the other side. Let’s go to the inner world of both money and you, and your relationship and experience with money. When you penetrate into those things and you start to see what’s actually there, the outer world naturally changes.

It’s the same thing spiritually. It’s the same thing physically. Your outer world is a mirror of your internal world. Your outer experience with money is a mirror of your internal experience with money.

If you can’t answer the question what is money. If you are unable to answer what are the three functions of money, what’s the purpose of money, what are the seven properties of money, how does a monetary network impact a money — those are the basic fundamentals of money that you should understand and be able to regurgitate with ease. The same way a chef could tell you how to cook a 16-ounce ribeye steak using the equipment and the tools in that certain kitchen, or in any kitchen, and then adapt based off of that.

Then you start seeing money way differently. And that clarity removes pressure. It removes weight. It removes stress.

In my opinion, once you start to ground yourself into the solution of money, which is already present, that’s when things really get exciting and the world starts making a lot of sense. You become more attuned to truth, because the solution of money is in alignment with the truth of money, which means it’s vibrating at the frequency of truth. If you’re in alignment with the solution of money, if you’re in alignment with the truth of money, you’re vibrating at the frequency of truth. Your reality is vibrating at the frequency of truth.

And truth, to me, is synonymous with love. That’s the highest thing we could ask for and the highest thing that we are. That’s the whole game. Love and truth. That is the direction.

It’s worth its weight in infinity.

The common phrase is it’s worth its weight in gold. Why? Because gold was the most valuable money previously. Why is that? Can you explain why that is? Why did gold fail as money? Why was gold so revered as money, and what was the key missing ingredient with gold? And then how does the solution of money that exists today fill in the gaps? How does it present itself as an actual solution to money?

I ask all of these questions because these are questions the typical financial guru or financial expert or advisor — whoever — doesn’t really ask about. They don’t really teach this. And this is way more important to me, on a foundational level, than a Starbucks coffee or investing in the S&P 500 with the disposable income you have left after every month. Those are second, third, fourth layer things built on top of the foundation.

If you’re really trying to build a house of financial freedom, build it on the foundation of money. Build it on the foundation of the truth of money. That’s the strongest, sturdiest foundation you can have.

It’s part of why I’m excited to build what I’m building and share what I’m sharing. How can I create an experience for somebody, and how can I create value for somebody, to literally transform their experience with money, so they can finish their experience with me and spend the rest of their life with exponentially more clarity and more excitement around their experience with money? Just like a chef becomes much more excited with their experience with food the more they learn the skill of cooking and the art of being a chef and the truth of food and ingredients and pans and temperatures and cooking methods and everything.

I’ll wrap it up there, because this has been a rip off the top and I think it’s time.

I appreciate you tuning in. And I’d ask you: in the comments, write out and think about — or in the other order, think about and write out — what are you trying to accomplish with money?

I want to see what your answer is.

Peace.

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