Do You Really Need a Financial Advisor Or Just a Better System

Most people are told they need a financial advisor because money feels complicated and emotional. The truth is that complexity is often the product being sold.

In this episode, I break down the data behind the average investor, the real cost of advisor fees, and why most people do not need to outsource their wealth to someone charging one percent every year.

We walk through simple math, behavioral traps, and the exact conditions where professional help might make sense. More importantly, we talk about what actually works for long term wealth building. Automation. Simplicity. And conviction.

If you want to stop bleeding fees and start building confidence, this episode is for you.

00:00 Why I never used a financial advisor
01:00 The investor performance data
03:00 Behavior versus intelligence
04:30 The true cost of fees
06:30 Why systems win
08:00 When outside help makes sense
10:00 Taking ownership of your finances
12:00 Building a plan that runs itself

• The average investor does not fail from lack of knowledge
• Fees compound against you
• Automation removes emotional mistakes
• Simplicity outperforms complexity
• You do not need permission to manage your money

"One percent fees cost millions."
"You do not need a babysitter. You need a system."
"Delegation without understanding is just avoidance."

If you are still unsure how to manage money on your own, you do not need to guess.
You need a plan that is simple, automated, and built for real life.

In this raw and powerful episode, I share the untold story of how our family's life completely fell apart in 2024 – and how we rebuilt stronger than ever. When our daughter's seizure disorder collided with a hidden mold crisis that cost us our home, belongings, and $300,000 overnight, we faced impossible choices that would break most families.

What You'll Discover:

• The shocking truth about mold toxicity that forced us to abandon everything we owned
• How we navigated our daughter's complex medical journey while losing our home
• The unexpected spiritual awakening that came from hitting rock bottom
• Why rushing and forcing outcomes was our biggest mistake
• How we built 3 thriving businesses during the worst year of our lives
• The life-changing health protocol that transformed our entire family

Key Takeaways: ✓ Pain is loud, but perspective is louder – learn to let adversity teach rather than bury you ✓ Trust the journey even when it looks nothing like your plan ✓ Control only what you can control and surrender the rest ✓ Your comeback can happen faster than you think

This isn't just another success story – it's a blueprint for anyone facing impossible circumstances. Whether you're dealing with health crises, financial loss, family challenges, or feeling stuck in life, this episode will show you that rock bottom can become the foundation for your greatest breakthrough.

Perfect for entrepreneurs, parents of special needs children, anyone dealing with chronic illness, or those seeking hope during their darkest moments.

Warning: This episode contains real talk about seizures, medical emergencies, and family trauma. But it's ultimately a story of hope, faith, and the incredible resilience of the human spirit.

Why Systems Beat Motivation Every Time

Most people believe success comes from grinding harder, waking up earlier, or being more disciplined. The truth is that motivation fades and willpower breaks.

In this episode, I explain why systems are the real foundation of long term success and how removing emotion from daily decisions creates consistency, scale, and freedom. We walk through what a system actually is, why they compound like money, and how simple documented processes outperform raw effort every time.

This episode is for anyone tired of relying on motivation and ready to build something that actually lasts.

00:00 Why motivation is not the answer
01:00 The lie of willpower
03:00 What defines a real system
05:00 Why consistency wins
06:30 Systems in money business and family
09:30 Research behind systems and performance
11:30 Freedom through systemization
13:00 Where to start

• You fall to the level of your systems
• Systems remove decision fatigue
• Simple systems scale better than complex ones
• Consistency creates compounding results
• Systems create freedom not restriction

"You do not rise to the level of your goals. You fall to the level of your systems."
"Motivation fades. Systems scale."
"Simple scales. Fancy fails."

If you are tired of starting over every Monday, stop trying harder.
Start building systems that run whether you feel motivated or not.