Young people should focus on living below their means and investing in low-cost, diversified index funds to build long-term wealth.

“try to take 2third plus of your saved money and put it in lowcost ETFs and index funds”

Moments of rock bottom are often the necessary catalyst for individuals to finally commit to personal change.

“I've sat here and interviewed hundreds of people and you you often find these Mo these Rock Bottom moments are the Catalyst for a change in Direction in someone's life”