Ramit Sethi's Key Money Habits for Financial Success

24:31If you're putting in 10, 20K a month, that money will turn into massive amounts. And if you guys don't believe me, just go search for compound interest calculator. Bankrate has a really good one and plug in 20K a month for 10 years and that's it. Just stop and watch what happens. What is that? Seven, eight percent? Yeah, at 7 % returns and watch what happens. It becomes like a tsunami. You cannot stop it. So that's one. The other thing is if you want to invest in a little bit of fun stuff, if you're like, hey, I want to take 10 % of this and invest in like this crazy investment my buddy's starting a thing, go ahead.

25:06Just be prepared to write it off. Maybe it works, maybe not. And then from there, you should also remember a third thing and nobody really talks about this. Maybe it's time to increase your quality of life. Maybe instead of staying in the middle back seat, it's time to upgrade to the exit row right or business class business class or maybe it's time to eat at a different restaurant maybe it's time to really think about your money dial and say hey i always claim that wellness is important and yet i'm still eating like the same old thing i used to eat 10 years ago maybe it's time to upgrade what i eat and and where i work out and all that kind of stuff my my gear you can do that you've made it you already won the basic game so now you get to benefit from it what about real estate there's a lot of people you're there i hear people that are all in on real estate investment or they're kind of like all in on the market?

25:52Yeah, I think that real estate, so a lot of people are going to hate me after I say this. I know you guys have all been told since you were like two years old, real estate is the best investment ever. And it turns out that's not really true. A couple of things that might surprise me. If you're buying one home. If you're buying a house and living in it. If you're buying multiple units or buying multiple homes and that's your business, it might be a better investment. Correct. Let me make the distinction. So most people in America are told that the American life, the American dream is graduate from college, get married, buy a house, white picket fence, 2.5 kids, and you made it.

26:26And I think we all just have to look at people who are a little bit older than us to realize that might not be our American dream. We might want to travel more. We might want to work remotely. I mean, here we are in the middle of a weekday chit-chatting and sharing it with millions of people. This is our dream. So I want to challenge people to really question what you've been taught. That's number one. Number two, most people who buy a house and live in it think that it is the best investment, but most people have never run the numbers. It's like my piggy bank. Yeah, they think that. They don't understand that when you spend money on a house, you've incurred tons of phantom costs.

27:01You have taxes, you have maintenance, you have all kinds of things that you don't count. And if you actually factor all those numbers in real estate often in fact many times is not a great investment at all it's a place to live and you have these phrases like you're throwing money away on rent it's not true your landlord's making a profit otherwise they wouldn't do it that's not true your landlord can't charge you whatever they want they can only charge you with the market yeah so if you search my name and real estate you'll see all the numbers played out now on the other hand if you are a real estate investor and you're disciplined that's a different story and that can be effective.

27:36But mom and pop who are thinking that they bought their house in 1970 for $200 ,000 and now it's worth 600 ,000. They think they made 400 ,000. Actually not. If they had taken that money and put it in the market, they would probably have much, much more. Really? Wow. And less headache. Way less headache. Well, depending if they looked at their investment every week, maybe they'd be more stressed up. The level is going up and down. Yeah. Yeah. So, and listen, if you got, I will buy a house one day. Okay. So I don't want anyone to think that I'm telling you never to buy a house. Yeah. If you want to rent for the rest of your life, you absolutely can.

28:10Many people in New York, San Francisco and other high cost of living cities, they rent. No, there's no shame in that. I rent by choice. I could buy a place tomorrow cash and I choose to rent. Why do you choose to rent after you've been here for 10 years and you've been renting the whole time. Yeah. On purpose. And how much is that do you think over over a half a million dollars oh yeah it's a lot of money i well over i rent a nice place yeah why do i do it because could have used that money in something else you could have put it i did i put it in the market and i made more because you didn't put it into a home correct where it was a lot more money up front it was more money up front i use that money instead i put in the market but there's also other reasons too i couldn't get for the amount i'm paying where i live if i were to buy a place in the same building or so much it would be four times more expensive So that's the first.

28:59Second is maintenance. I'm gonna give you an example. I woke up one day and the doorman was knocking on my door. It's like 8.30 in the morning on a Saturday. He's like, sir, sir, do you mind if we come in and take a look at something? I said, okay. And we go into the living room and there's a pool of water just sitting there. In your apartment? Yeah, on the floor. I said, whoa. And it had dripped down three levels. So I was like, oh my God. They're like, sir, go back to sleep. We'll take care of it. That day they came. They repaired the floors, not just of mine. The ceilings for the next two levels down, that's probably likely to have costed them, let's just say 50K, maybe 100K because it's Manhattan and it's a weekend service.

29:35Who knows? That's not my fee. You didn't pay for it. No, and I said, great, that's their problem. I'm going back to sleep, man. I got another hour of sleep here. So you don't have to believe me. You don't have to believe what someone else does. All you need to do is run the numbers. That is my only suggestion to you. Go to a buy versus rent calculator. Make sure you plug in all the fees, not just the taxes. the realtor fee. If you get a bigger place, you're probably going to get more furniture for it. The HOAs or the lawn maintenance or trash service or whatever it is. The key thing, I think, whether it's a house or investments, my point to you guys is take your money seriously.

30:12Once you take your money seriously and you put some time in it, whether it's this book or wherever you want to get your information, you're going to be better off for it. You don't want to delegate this to somebody else. I want you to understand it. And once you understand it and you automate it you make a few good choices in life you never have to worry about lattes or appetizers again how'd you make the emotional shift when you started renting an expensive apartment and you're like man if i added all this up after a year that's close to a down payment on a nice house in the midwest or they can buy a whole house in the midwest you know what i mean yeah how do you emotionally rationalize that where you're not frustrated like oh gosh i just spent 10 years.

30:52Yeah. You throwing this money away. Cause sometimes I feel that way. Sometimes like, man, I just spent a lot of money in this last few years. Well, let me ask you this. Um, but I like the freedom and the flexibility of not having to incur all those other. Yeah. What do you like to eat? You like strawberries? No. Okay. What do you like to eat? It's a good steak and veggies. Okay. Steak. Once you, when you buy a steak and you eat it, do you feel like you just threw your money away on that stake? No, I enjoyed it. But where is it? I don't see it. Where's my investment? Right. In fact, isn't it coming out in the toilet in a couple hours?

31:26It is, yeah. So what are we talking about here? You get value out of a stake, just like you get value out of renting. Now, if you want to incidentally build equity, that's great. But remember, you can also lose equity. Right now in Manhattan, do you know rents are down? Is it? Yes. And so are prices of houses if you want to buy. They're going down every month. A lot of people like, oh my God, it's so expensive. Sometimes, but sometimes it goes down 5%, 10%. Some of these neighborhoods are down 15%. No way. Yeah. So a lot of people don't realize. In fact, I did a survey of my readers. I said, do you think it's possible for real estate to decrease?

32:01Over half of people said no. They had never even thought about it. So I want people - Remember 2008, 2009? Memories are short. You would think they would remember, but they don't. I heard people, dude, they had three houses. They bought it. They were destroyed financially. Their credit was ruined. They had to give up these houses and their identity as an investor. And three years later, they're like, I think I want to buy another couple of houses. It just goes to show, I'm not saying they're stupid. It's not that at all, because a lot of people have gone through this. It's the idea that the propaganda to buy a house or to follow a prescribed set of rules for the American dream is so powerful that even losing your own houses doesn't change people's perspective.

32:39So how do you teach people to overcome the emotional rationalization of blowing their money on rent. Okay. It's funny. Besides that story you just told, which helps me. I'll tell you what, I want to acknowledge that it's real because - It's a fear that people live with. Yeah. And I'll give you an example. Like I call it the handshake effect. And it's when people would come over to my apartment and for the first time, and they would say, wow, this is an amazing view. And then they always say the same thing in New York. Do you own this place? And we're like shaking hands, right? It's like, we're just met, just met.

33:11How much you pay on this place? Yeah, how much you pay? It's classic New York. And I say, no, I rent. And it's that moment where if I had said I bought, they would be like this. Wow. Pretty impressive. Really cool. Yeah. And you kind of get this pride. And then I, and then when I don't say that, they get really confused because this is the, I will teach you to be rich guy, but also he rents. And I thought renting is for people who can't afford it, but But they don't understand. And they give me this look. And I realized that so many of us are looking for somebody to approve of us while we are shaking their hand, someone we don't even know.

33:49And so instead of getting your approval from somebody you just met 10 minutes ago or from your parents who probably are not the most sophisticated investors, if you're watching this show, you know, you talk about greatness. And being great means choosing your own path. Sometimes you might choose to buy. I have no problem with that if you ran the numbers and you consciously decided. Sometimes it means you don't. But if you want to live the life of greatness, you need to be comfortable making different choices than what other people expect. Zing, I like it, man. Do you have like a spreadsheet? I'm just curious about how the way you think about your money.

34:23Do you have a spreadsheet or some type of system where you're kind of have all these things logically mapped out where you know exactly where all your money's going and where you want to put it in five or 10 years? Yeah. In fact, it's even more, it's like scientific. It's like, yeah, it's like minority report. Like I wake up and I just go, no, this is what I did. So my money dial is convenience. Okay. So as I became more advanced, I realized it was time to put on a new lens. And I think this is really important for people. Many people, when they're starting out, they think that growth is linear.

34:55That basically I'm dribbling the ball. I'm going to use a sports analogy. And I'm on thin ice because I don't know anything about sports. You know, I dribble 10 times a minute. And as I get faster, I'm going to dribble 20 times a minute. Okay. This is a horrible analogy, but just go with me. At a certain point, you're not just counting the number of dribbles. You're actually counting ball handling. You're, you know, you're counting whatever else you're doing with money. It's the same. You're not just creating a more sophisticated spreadsheet as you grow. You're actually changing the way you think about money.

35:26So I'll tell you what I did. You're reinventing. You're not even using a spreadsheet. So I'll tell you what I did. I started off doing everything myself. And that's what's in this book. It shows you exactly how to go from, I don't even know where my money's going, or I have 5 ,000 bucks sitting in my savings account, to everything is running automatically and I spend less than 60 minutes a month on my investing. That's in the book. But what happens when you get to the next level? I'll tell you what I did. I realized that it wasn't a good use of my time to be manually tracking anything, even for 60 minutes a month, because things had become complex.

35:59I had multiple investments. I have a business. Different accounts, everything, yeah. All that. So I found what I call a personal CFO. And what I did was I worked with them and I said, here is exactly what I invest in. Here are my core values. Here's how I want you to deliver me information once a month. So they created basically a dossier. They hand to me every month. They send it. And it's in the format that I want. Why? Because I'm the boss and they're working for me. So it shows me a couple of core things. What's my net worth? What were any spending areas that I need to be aware of? I typically have two spending areas that I track that are more variable.

36:41Like sometimes I'll go out and buy more clothes. That's a variable area for me. I said, look, I love cashmere. What am I gonna do? Okay, and then another one I think is eating out or travel. Aside from that, all my expenses are very stable. Like I spend the same amount on stuff. I've had the same apartment for 10 years. Like I'm not going crazy. I'd rather save my money and invest it and spend a little on the stuff I love. We talk for 15 minutes each month. And if anything needs to be changed, they handle it. So for a lot of people, the next step is not necessarily just doing what you're doing, but better.

37:16It's actually a whole different way of looking at the problem. Where does someone find a personal, what is it? A personal CFO. CFO. For a lot of people, the basic thing you can do to start with is to get a bookkeeper. And, you know, we have this advanced personal finance course and we talk about how to find them. A bookkeeper is a good thing to start with if you've got a business or if you've got a few hundred thousand dollars a year coming in and you've just got a number of accounts and maybe you have kids and stuff like that. Okay, they can help you organize things. As you get more sophisticated, a personal CFO, which can be part-time or if you're really sophisticated, it can be full-time, they can help you do more sophisticated things.

37:52and they pair, they work directly with your accountant, your bookkeeper, all kinds of stuff. Got it, okay. Interesting. Yeah. Just go on Craigslist and look. Yeah, you can do that. And the best place you do it is honestly, you ask your friends. Your friends who have sophisticated net worths. Right, ask them what they're doing. Ask them. Interesting. Before we get into the strategy for those who are making$150 ,000 a year and less on how they can really optimize everything, I'm curious, who are the high earners that you talk to for advice, privately behind the scenes, in the special secret rooms, on the private jets?

38:27Who are those mega earners that you learn from? I have a CEO group, a CEO council that I belong to. And we're really candid with each other about where we spend our money. Some of them are married, some of them are divorced. How does that play in, relationships, all kinds of stuff. So that's one. Is it like a New York group or is it all over the world? Yeah, it's distributed. We're all over the place. Talk online, you meet in person. Both. We meet in person twice a year and we talk on the phone about once every month and a half. And I think that's important for everyone listening and watching, which is have a group of folks that are ambitious and that want to succeed.

39:06What's interesting is these guys aren't in my field at all. I actually prefer that. We're not talking about, you know, online stuff. That's not the point. We're talking about culture. We're talking about life. We're talking about relationships. I think that's great. I also have a lot of entrepreneurial friends who will share stuff just off the cuff. We're hanging out. And then finally, my audience, like a million readers a month, and they're emailing me the craziest stories. Really? They're telling me everything. People, they crave talking about what's going on with money because no one else will.

39:37Wow. And so I hear the best stories from my readers. And that's what I get to kind of bring to everyone else. Why is it hard for us to talk about money? Why is it scary? Why don't we talk about it enough with our friends, our family? Why is that? There's one great study showing people would rather talk about their sex lives than their amount of credit card debt. I love that. I think that's totally true. It's true. 100%. And think about what money means. It means that you were successful in this culture. And I am here, you know, people know me as the I will teach you to be rich guy. And I have always said money is an important but small part of living a rich life.

40:17Just because you make more or less doesn't mean we're better friends. Not at all. It has nothing to do with that. But it is important for people to be in control of their money, whether they're making$15 an hour or$15 ,000 an hour. And there are people I know who make that. So that just simply shows are you in control of your life at whatever level you are. It's embarrassing for people. They're never taught this. And then suddenly they graduate and they're supposed to know what tax withholding is and what a 529 and 401k and all this crazy stuff is. Nobody taught it to them. So my goal here, the reason I'm talking about this, is for people to feel more confident about their money, for them to take control, and for them to stop being afraid and listening to random people giving them advice.

41:01Because I feel like it's hard when you're making$150 ,000 or less. it's hard to talk about it and feel comfortable talking about it with your peers who are in the same category because everyone kind of feels embarrassed. I know I felt that way. For sure. And if you stay in that space, it's going to be hard to get past it. So what's the conversation starter that someone who's making$150K or less or very little, what's the conversation starter they can have with a peer or a family member or a parent or a friend or a coworker that's not going to throw someone off, but that's going to activate the conversation about money.

41:37Okay. Having the conversation, if you, most people don't want to, most people don't want to, and that's okay. If you simply want to improve your own money, do that. And you'll become a role model to other people. And I think that's probably the most effective way. But if you do want to have a conversation, you know what I would do, honestly, not to plug my own thing, get my book, get somebody else's book. It doesn't matter. Get a book and say, Hey, I realize I need to learn about money. Any book about money. Any book. Yeah, yeah, yeah. Okay. And does anybody here want to join me and let's do a little book club?

42:09Ooh. So suddenly it's not you and me talking about our money, which really reflects our value in this society. Okay. I use value in quotes. It's let's talk about this book, which is a third party in this dynamic. And we can say, I agree with this guy. I disagree. I really like. Let's try this. Let's try this. And like, let's see. So suddenly it becomes an experiment as opposed to you're worth X or my value is Y. And that's really something you can work on together. I like that. Yeah. Bring something else into it, to the mix. Okay. Let's talk about the 150 ,000 a year and under people. They've been working hard jobs.

42:47They've been trying to save their money, but it just seems like they haven't been able to get past whatever it is, 50 grand a year, 100 grand a year, 150K. They've been kind of stuck or they've crossed 100 grand a year and more problems have come to them because they're making more and spending more. And they feel more broke than ever because they have no clue what they're doing with their finances still. It's the end of the year. They're about to start a new year soon. And they feel overwhelmed or just clueless still about and educated about their money and what their options are for just having peace of mind, structure, organization, and knowing that they don't have to stress about it and they can go earn more and it's gonna pay off for them.

43:30What's a few simple things that they should be doing right now to have a checklist to do before the end of the year to then crush for a whole 12 months moving forward? All right, I'm gonna give you something called the ladder of personal finance, which tells you where your money should go. Okay, this is just step-by-step, put your money here. And if you wanna know all the details about it, you can check out the system. So - It's in the book too. It's in great detail in the book. Got it. All right. So if you've got some money lying around, what should you do with it? First of all, if you've got a 401k match at work, you should max that out.

44:05That's free money, take advantage of it. And if you're not sure what that means, go to your HR person and say, does this company match any 401k contributions? If they say yes, do what I said. Next, if you've got debt, pay it off. Pay it off aggressively. You know, what's interesting is that most people in debt who I talk to don't actually know how much they owe. And that's shocking. You would think, of course they would know. No, they don't. Because who wants to proactively - Stare at their debt all day. Yeah, and just feel bad about it. But you know what? You feel much better when you have a plan.

44:34And the number one question I ask folks when they tell me they have debt, I say, number one, do you know how much you owe? They never do. Number two, for the rare people who say, you know, 15 ,000 or 70 ,000, whatever, I say, what is your debt payoff date? You can actually plug it in. You can plug in a debt payoff calculator online. You can map it all out. And you will be able to know the exact month your debt will be paid off. Based on how much you're spending right now. Based on how much you're contributing to that debt payoff. Now, you will be able to see that if you add an extra 50 bucks a month or 100 bucks a month, that thing will actually oftentimes shorten by years because of the interest.

45:11It doesn't matter if it's going to take you three months or four years to pay off your debt. It doesn't matter to me. What matters is that you know the date. Okay, so that's number two, pay off any debt you've got. Three, if you've got money left over, go to your Roth IRA. And if you can max that out. That's a great tax advantaged account. It grows tax deferred. Is that right? Yeah. Okay. So that's three. That's three. Okay. It's actually post-tax money. And then four, if you still got money, you're going to go to back to your 401k, which is another tax advantaged account. You're going to max that out.

45:42If you still got money, you're going to create a non-taxable, non-retirement account and just put your money in there. Now there's a few other wrinkles to this. There's HSAs available. There's also your emergency fund that's talked about in the book. and all these things, they're details. But that just shows you when you've got money, this is where you go. There's a structured way of thinking about it. A ladder towards financial success. Exactly, and if you follow the steps, it's almost like a waterfall. It just goes from step one to step two to step three and your money's going where it needs to go automatically and you will feel great.

46:15You'll feel great, which is so important. And also you're gonna look at your accounts and see debts going down. Investment and savings are going up. And all of a sudden you wake up six months from now And you're like, oh my god, I didn't realize I have that much saved in my savings account. That's because of the decision you made today. Let's say you're working a job, making decent money, but you're not really breaking through and you're struggling to earn more to get out of that 50k a year type of range, maybe around there. And all your friends are making the same amount. All your peers are in the same boat.

46:47And everyone's stressed about money. and you hear someone say, well, you know, you may earn the average of the five people you spend the most time with. Should they cut all those five friends out of their life? Cause like, well, you know, my peers are holding me back if they're having those negative conversations or how can they start to level up without cutting people out of their lives? Yeah. I never encourage anyone to cut off their friends. And I think that's a common misconception that you have to close all the doors to your friends. Look, I've got friends from high school, junior high that I still hang out with.

47:18and I'm not judging them based on their bank account. I don't even know how much they make or how much they're worth. That's not why I'm friends. But the average of the five people you're surrounded with, that is a very powerful idea. And instead of closing the door on the people you hang out with, why not open the door to some new people? Why not find people who go to your conference, for example, or who are on my site, people who are ambitious, who have gone through these programs and say, you know what, can we set up a weekly check-in? It could be five minutes, it could be over text, But let's set up this check-in and just say, what'd you want to do last week?

47:50Did you execute? Why or why not? Every week, 9 a.m., Monday, let's do it. That's how you suddenly meet a group of people who are unapologetically ambitious. And that will change everything for you because instead of having to drag people to these self-development conferences and they say, that's weird, I don't want to do it. The people you actively seek out are going to be like, yeah, I'm in, let's do it. Let's do it, yeah. And that's powerful. Yeah, so find the new communities that you can have these conversations with. Yeah. And don't cut everyone out of your life, but just start having those conversations with people that are more aggressive.

48:22Yeah, like, do you know what I told people to do on my Instagram account? So I told people, it's important to find other people who support you. A lot of you are waiting around for some like millionaire to fall out from the sky and invite you to their private group. It's never gonna happen, never. Instead, why don't you start it yourself? And I said, go into my comments, write who you're looking for, and then invite someone to join you. I like that. You don't need to wait. No one's coming to rescue you. It's not a Disney movie. Nobody's coming. It's only you. So take control and go find someone and then build that together.

48:52I like that. All right. So Cody working on the cameras here asked a really good question. Does my opinion on investing in real estate change if you live in the Midwest? And I think the answer is, yeah, it can. The calculus on buying a house in the Midwest is different than cities like Manhattan, San Francisco, and LA. Miami, LA, yeah. So again, the message here is not don't ever buy a house, but it's run the numbers to make sure that you're making the right financial decision. Because in Columbus, Ohio, you can buy a house for 200 grand. Yeah. And a nice one. There you go. It may be better to do that just to have the peace of mind of your own space or whatever it may be.

49:29Yeah. So another question from Cody here. Great one. What is my opinion on Dave Ramsey's concept of the debt snowball? So I think Dave Ramsey is really good for people who are in debt. That's not really the folks that I speak to that often, but I think he does a great job with them. And what he talks about is the debt snowball is encouraging people to pay off their highest balance first, right? Their highest balance. So if you have four different credit cards, you're paying off the one with the highest balance. Whereas the mathematically correct answer is to pay off the credit card with the highest interest rate.

50:04So he's actually taking advantage of a peculiar quirk of human psychology, which is that we want to see a win, right? We want to get a win. And it doesn't matter if we're paying a little extra in interest. Once you get that first credit card paid off, you're going to want to do the next one and it's going to snowball. I happen to think it's actually really smart. And one of the reasons that I think my book has done well is that it factors in human psychology. So I'm not telling you in the book, don't spend money on lattes. In fact, I want you to spend as much money as you want on lattes. I'm going to get one right after this.

50:39Exactly. Get your credit right, negotiate your salary, get a good job, automate your money. You could buy 10 ,000 lattes. It doesn't make any difference at all. And so whether it's the debt snowball or whether it's earning more, whether it's automating your money, you want to make sure that this advice is something you're actually going to follow. And that means you need to bake in psychology. Yeah, I love it. And if you guys want to learn more about how to earn more, about how to negotiate, whether it be rates or other different things, and other things that Ramit talks about, then post an Instagram story right now and tag at Lewis Howes and at Ramit and say, yes, I want more of this.

51:15And we'll do a follow-up interview sometime in the future talking about how to earn more, how to build a side hustle, how to do all those different things and negotiate rates better as well. So post that in the Instagram stories right now at R-A-M-I-T and at Lewis Howes and let us know and connect with us. Final thoughts, man. What's your definition of greatness? My definition of greatness is deciding what kind of life I want to lead and then creating it unapologetically, even if it means making different choices than other people. That's good. That's good. What's yours? course greatness is discovering the unique gifts and talents within you pursuing your dreams and using those gifts and making an impact on the maximum number of people in that pursuit love it wow that's my powerful did i ask you your three truths before i'm not sure if i asked you this in the last time you're on but i'm gonna ask you again okay if you could only share three lessons with the world you've got all these books and programs and courses on so many different things but if you had to take all that with you and no one had access to it anymore you can only write down three lessons or principles or truths and this is all the world would have of your information left in physical form what would be your three truths man you're putting me on the spot here i know i like it okay i like it three principles or truths for the world on anything life anything Wow.

52:44Okay. My first one would be, you can create a rich life through planning and unconventional choices. My next one would be that you've got something to say and the world needs to hear it. And the third one would be, you could probably eat spicier food than you think. I guarantee that. I've had some spicy food with you. That's good, man. Well, I acknowledge you, man. I appreciate our friendship. I've known you for what, eight, nine years? Yeah, a long time. It's been such a fun journey and I'm excited for all the many fun times ahead. But again, I would not be debt-free as fast as I was without your book.

53:24So again, I appreciate you as always. I always talk about this. Make sure you guys get a copy. I will teach you to be rich. Powerful game plan if you guys are looking to get out of debt, but also a lot of the things that we didn't cover are in here. So check it out. Tag us on Instagram at Ramit at Lewis house. Thanks again, man. Appreciate it. It was awesome. I hope today's episode inspired you on your journey towards greatness. Make sure to check out the show notes in the description for a rundown of today's show with all the important links. And if you want weekly exclusive bonus episodes with me, as well as ad free listening experience, make sure to subscribe to our greatness plus channel on Apple podcast.

54:00If you enjoyed this, please share it with a friend over on social media or text a friend. Leave us a review over on Apple Podcasts and let me know what you learned over on our social media channels at Lewis Howes. I really love hearing the feedback from you and it helps us continue to make the show better. And if you want more inspiration from our world-class guests and content to learn how to improve the quality of your life, then make sure to sign up for the Greatness newsletter and get it delivered right to your inbox over at greatness.com slash newsletter. it. And if no one has told you today, I want to remind you that you are loved, you are worthy, and you matter.

54:35And now it's time to go out there and do something great.