I used to disagree with Grant Cardone when he said, “Rent where you live. Own where people rent.”
Now I finally understand what he meant.
I went from losing everything in 2020 and living on my parents’ couch to becoming a multi millionaire investor and entrepreneur. That didn’t happen because I made more money. It happened because I completely rewired how I think about wealth.
Recently I made a decision that challenged everything I had been taught about real estate.
For decades we were told your primary residence is your greatest investment.
Maybe that was true when money was cheap, interest rates were low, and wages kept pace with housing.
Today’s economy is different.
Here’s the concept.
I was looking at buying a home in my dream neighborhood.
Rough numbers:
• $2M home
• $300,000 down
• $11,000-$12,000/month payment
Instead, I found a comparable home to rent for about $6,500/month.
At first it felt wrong.
Then I asked a different question…
What if the $300,000 down payment kept working for me instead of sitting in home equity?
What if the $5,000+ monthly payment difference also went into productive assets?
I openly share that I invest heavily in crypto, dividend stocks, and cash-flow-producing businesses.
If those investments performed well during a future bull cycle (nothing is guaranteed), they could potentially create substantially more wealth than locking that capital into my primary residence during the same period.
Let’s say, purely as a hypothetical example, that those investments grew to around $1.5M before taxes.
Instead of having roughly my original equity tied up in a house while paying years of mostly interest, I could potentially walk into the same home with a much larger down payment or even buy it outright depending on market conditions.
The point isn’t the numbers.
The point is patience.
Every dollar is either consuming your future or building your future.
I don’t make financial decisions based on dopamine anymore.
I ask:
• Is this an asset or a liability?
• Will this create more freedom?
• Is this money working for me?
• Can I let my assets buy my lifestyle instead of my labor?
This isn’t our grandparents’ economy.
Cheap money is gone.
The middle class cannot keep playing yesterday’s game with tomorrow’s economy.
I’m not against owning a primary residence.
I’m against buying one before my assets can help pay for it.
That mindset shift changed my life.
From broke to entrepreneur to investor and now
Wealth builder.
And, God willing, I’ll continue building wealth by being a good steward of what GOD has entrusted to me.
Think differently.
Your greatest investment isn’t your house.
It’s your ability to allocate capital wisely.
Love you all.
The gap between those who build wealth and those who stay broke is often found in one habit: decision making.
Most people make decisions in moments of emotion, chasing dopamine and immediate gratification. Wealthy people pause. They think. They calculate. They understand that every decision either builds their empire or weakens it.
Before they buy, they ask:
• Is this an asset or a liability?
• Will this create more freedom or lock me into years of payments?
• Do I truly need this, or do I simply want it?
• Will this strengthen or weaken my ability to provide for my family?
• If I’m paying interest, what is the true cost over the life of the loan—not just the monthly payment?
• If I wait and invest this money into an income-producing asset, could that asset pay for this purchase in the future?
The poor ask, “Can I afford the payment?”
The wealthy ask, “What is the opportunity cost?”
Discipline isn’t just saying no. It’s saying “not yet.”
Every impulsive decision compounds. Every disciplined decision compounds. One builds chains. The other builds freedom.
Slow your emotions. Speed up your thinking. Build an economy that serves your family instead of becoming a servant to someone else’s.
Your future is not determined by one big decision. It is built by thousands of small ones made with wisdom instead of impulse.
Breaking news: The 10-year Treasury just eclipsed 4.6%, while both the 10-year and 30-year bonds continue climbing higher. The era of cheap money is dead.
This is not our grandparents’ economy. The old rules no longer apply. We are entering a new financial era.
Breaking news: The 10-year Treasury just eclipsed 4.6%, while both the 10-year and 30-year bonds continue climbing higher. The era of cheap money is dead.
This is not our grandparents’ economy. The old rules no longer apply. We are entering a new financial era, and if you want to thrive, you will need a new set of rules for a new game.
Weak men rely on the promises of other men for their family’s future. They outsource their family’s spiritual foundation and hand over the teaching of principles, morals, and ethics.
A strong man makes it his mission to become financially free, physically disciplined, and spiritually grounded. He becomes the promise for his family, the spiritual guide, and the living example of principles, morals, and ethics.
A man’s physical condition, what he values, how he leads, what people say about him when he is not in the room, and what he produces all reveal which path he has chosen.
A man’s life is the evidence. His body, his family, his character, and his results will always tell the truth.
dear father GOD, we thank you for the blessing of another beautiful day. We walk into the state with the full armor of GOD on, knowing that we win in the end 100% of the time.
In Jesus name, amen.
dear father GOD, we thank you for the blessing of another beautiful day. We walk into the state with the full armor of GOD on, knowing that we win in the end 100% of the time.
In Jesus name, amen.