Graham Cochrane (00:02.87)
If you stopped working tomorrow, how long would your income keep coming in? For most people, the answer is obvious. And the reason has to do with something most people have never been taught about money. are... There aren't just one or two ways to make money. There are actually four levels of income. And most people spend their entire lives stuck on the second level without even realizing it. Today...
I'm going to show you what I call the income ladder, the four levels of income and why the people who real wealth move past level two as fast as possible.
Graham Cochrane (01:19.374)
I don't know about you, but when I was growing up, what I was taught by my parents, by my teachers, by my classmates, by society was go to school, get good grades, get into college, get a degree so you can get a high paying job with benefits. And then I guess everything else takes care of itself. And that was the programming I had. It's important to understand
that you and I are the sum of our programming. We are programmed by our parents, we're programmed by our peers, we're programmed by the media, we're programmed by our friend group, by our church, by the people we hang around with for better or for worse. So the question is, is the programming serving you or not? So for me, the programming led me down a path that certainly kept me out of poverty and allowed me to have economic dignity, which is important, but it kept me
trapped. And the question I want to ask you is, are you making enough money? And that's a personal question. I can't decide that for you, but are you making the amount of money you would like to be making? I know money won't solve all your problems, but let's stop being silly about this. Money will solve a lot of your problems. Are you making enough money? If the answer is yes, then good for you. If the answer is no, then let me ask you, what are you doing about it?
Because what you do about that problem reveals a lot about what you believe about that problem. If you, like most people, are working harder than you ever worked before to earn more money, then that reveals something important about what you believe. You believe that money comes from hard work. You believe that money comes from long hours. And so...
If that is your belief, that is the path you're on, you are going to be stuck forever at maybe level one of the income ladder, which I'm about to teach you, or level two. And this is because you've been programmed to believe this. But hear me out, this is so, so important that you understand this. How much money you make has nothing to do with how hard you work or how long you work.
Graham Cochrane (03:43.042)
How much money you make has nothing to do with how hard you work or how long you work. It has everything to do with how you make your money. Did you catch that? It's not how hard you work or how long you work. It's how you make your money. There are different ways to make money, four different ways in fact. And the way you make your money matters more than anything else. Okay? Anything else. So what I'm about to do is teach you something critical that you weren't taught in school.
Your parents likely didn't teach this to you. And it's it's not, just don't have a job, have a business. This is this there's so many traps around both of that. Let me just pull back the layer, show you the levels of income and you decide what level you're well, you tell me what level you're currently on. And then you decide what level you want to get to. So the income ladder is just think of it as four ways to make money, four levels of making money. Let's start at the bottom rung.
or the bottom step of the income ladder. Level one of income earning. This is the most common. This is what I would call labor income. Labor income.
This is the most obvious way to make money. And for centuries, it was the only way to make money for most people. all four of these levels of income have always existed, by the way. But what's amazing, what's good news for you and for me today is that now everybody can have access to all four levels of income. Whereas for thousands of years, only a select few could be at the top level.
you now have access to all four levels. So the first level is labor income. With labor income, you sell your time. That's what you have is your time. You sell your time. That means you go to work, you get paid by the hour, or you get paid a salary, which is the same thing, because there's a certain amount of time they want you to work. whether you're salaried or hourly, and there might be pros and cons to both, it is functionally.
Graham Cochrane (05:50.126)
The same thing. You are trading your time for money. This is employees, this is hourly workers, this is salaried roles. This is the fastest way to make some money when you don't have anything else, but it is the worst way to make your money. Why? Limitations. Income is tied directly to the hours you work. And I don't know if you noticed, but there are only a certain number of hours you could work.
Even if you don't sleep, eat or go to the bathroom or do anything else, you still can only work 24 hours a day and that's impossible. But there's still a limit to how many hours you can work, which means your income is limited. Okay, so there's the hours you can work. That's a limitation for all of us. So then what most people do is try to get a raise because we know I can only work with so many hours. So how can I get a raise? I want to get a raise. I want to get a raise. And they just want to be paid more for their time. Some people just demand a raise for no reason.
And listen, your boss is not gonna give you a raise just because you want one. That's not how this works. I have employees, I have team members. Just because they ask me for more money doesn't mean I'm gonna give them more money. They have to show me that they're more valuable to me. So demanding a raise doesn't work. You have to become more valuable to your boss, to your team, or to your organization.
But there's other ways to become more valuable. can get more done in the hours you work. You can have a output for you, a better way of doing the thing you're doing. You could educate yourself so you have more skills to bring to the table. So now you are more valuable to your employer. So then they can give you a higher paying role in the company or you can move to another company. So this is why people want a college degree or they want a secondary degree like a master's, right?
They want their doctorate or they want a certification or they want to educate themselves to move up and get paid more per hour. It's still the worst way to make your money because you're trading time for money. Not only that, your income is determined by somebody else. Your income is determined by the market. Is there a job?
Graham Cochrane (08:03.458)
What if you get fired? What if you get laid off? What if the economy sours and they have to let you go? Well, now you don't even, you can't even put in the time anymore, even though if you're willing to trade your time for money, you don't control the outcome. So this is a stable way to make money for the majority of people initially, but it's the slowest way to build wealth. Now I'm assuming because you're watching this, to this, that you want to better your life.
and you understand that labor income is not the way to go moving forward. So you either already have moved to level two or you want to move to level two. And they think that most people who are in labor income think that the level they want to get to to escape this employee, this labor income is to get to level two, which is starting a business potentially. That's what we call leader income. Now, it's interesting because leader income, you actually don't even have to start a business to get into leader income. You can become
the manager at your company or the CEO of your company still own it, right? But you can be the top dog or top woman in it and you get paid a lot more and there's probably more perks. There's more benefits. You might get a little bit of profit sharing or equity stake or certain things like that. You might have better vacation and that's like moving from labor to leadership is huge.
But a lot of times people move from labor income to being the leader of their own company, meaning they start their business. Either way, instead of selling your time for money, you're selling your expertise for money. Okay, so you're either moving up the chain in your current company, and it's this blend of, it's still labor income, but it's really leadership income because now you are the leader of the company, and so your expertise is what you get paid for, not the work you do.
It's really your expertise, but they still own you. They still want butts in seats. Or you're like, forget this, I'm gonna go and start my own business. And you become a consultant, you become a freelancer, you become a coach or an agency owner or you're a professional. And this is what most people dream of is I'm gonna quit my job and start my business. And this is great. This is the American dream is owning your own business is actually Americans history. Like the idea of working for somebody is a relatively new concept, by the way, have you ever thought about that?
Graham Cochrane (10:27.638)
It's about a hundred year old concept. Americans and for all of time, people typically had their own farm, their own blacksmith business. They were the baker. Like self-employment was the model for generations. But in the industrial age, you know, the early 1900s and then especially all the way through to today, it's, go work a job. But that's a relatively new idea. So we've been brainwashed to think that
labor income is the norm. It actually never was the norm. Leader income was generally the norm. I'm the leader, I have expertise, and so I sell a service. I sell my knowledge as a consultant, whatever it is, this is a step up. You can make a lot more. What I love about leader income is there are higher rates of pay. You get paid more per hour than labor income, which is great. So now your time is more valuable. I love that you have independence. You can work how you want, when you want, where you want, with whom you want.
I value independence highly and control as well. I like to be in control of my destiny a little bit more. I like to be in control of my day and my week. those are currencies that are worth a lot. Autonomy, independence, control, that plus being able to paid more for your time or more for your expertise is phenomenal. This is a great place to be. You've moved up from labor income to leader income.
You can live a great life here, but my friend, this is where most people get stuck. And the reason they get stuck is, is they are still trading time for money. You're still selling, even though you're selling your expertise, you're still selling your time.
Most entrepreneurs have this type of business, a leader income business. And most entrepreneurs think they escaped employment, but they just replaced their boss with their calendar.
Graham Cochrane (12:24.526)
They still have discovery calls, filling up their calendar. They still have client calls. They still have meetings. They still have to do the work for their clients. Their calendar and their email inbox is their new boss. They've traded one boss for hundreds of mini bosses telling them what to do. Those are called clients. Can I get an amen? Okay. The leader trap, and it is a trap.
You have high income, low freedom, and the business depends on you. You know you are trapped in the leader income level if you can't take a two to four week vacation and money still come in.
If you can't go away for two to four weeks and still have money coming in, you are stuck at level two. No bad, no foul, it's just the reality of where you are.
This can be a good life, but people that are stuck at level two don't take vacations. They don't take sabbaticals. They don't take breaks. They don't turn off their phones on the weekends. They bring their laptops on vacation. they do go on vacation, this is not the life you want to live. But even if you're like, Graham, I don't care about that. I don't care about freedom. I like being on all the time. I like having my
laptop on my hip. If that's true, and I doubt it really is, but let's just say it's true, I don't know, you sure, maybe you like to work all the time. You're still limiting how much money you can make. The great news about Level 2 is that you can start to charge a premium because you're beholden to whatever company's rates they want to pay you. You can skip the middleman, which is the company. You are the company now, so you can charge more.
Graham Cochrane (14:18.988)
or you can choose to just be the premium provider in your industry, that's great, but you still, there's only, there's a limit in a way to how much you can charge per hour.
and there's a limit to how many hours you can work, and you can move up. So there is a wide range on level two. There's people on level two of income that make $100,000 a year. There's people level two of income that make a million dollars a year, but you're still capped at a million dollars a year. And if that sounds like a great problem to have, it is a great problem to have. But are you telling me, Graham, there are worlds where I can actually work less but make more than a million dollars a year? Yes. Most people will never get past a million dollars a year at level two.
Most people never get past $300,000 a year at level two. But again, there's a wide range. You want to move to level three if you want real wealth and if you want it faster. Level, so if we've got labor income is level one. Leader income is level two. Now you're self-employed. Now you're working for yourself. You're trading your expertise, selling your time. Selling your time and your expertise instead of just your time. That's great. Level three is leverage income. And on leverage income, you sell.
your systems for income. So instead of selling your time or selling your expertise, you're selling your systems. This is the game changer. This is when my clients come to me, oftentimes they're at level two. They are a solopreneur, they're a coach, they're a consultant, they're an author, a speaker, they're a doctoral lawyer, a chiropractor. They...
They are running a business, they are working harder than they've ever worked before. They're probably making good money now and have a little bit of autonomy, but they are stuck at level two. How do I make more? How do I make more? It's not by just working harder. It's not by increasing your hourly rate a little bit. You've got to create systems that are leveraged and sell those systems. So examples of this would be online trainings and courses. That's why courses are so popular.
Graham Cochrane (16:24.856)
digital products, things like that. Software. But think about scalable offers. Like if you're a coach or a consultant, think about moving from one to one to one to many. Group coaching. Events. Right? There's so many more ways to take your expertise, which is worth more than your time, take your expertise, but turn it into a system
where you are selling an outcome one to many instead of one to one.
Leader income is often one-to-one. I get paid to do one-on-one calls. I get paid to do trainings of my team if I'm working for a company. I get paid to consult for a company. Leveraged income is a system. Taking all that, putting it into a system that I can sell one-to-many and serve one-to-many. So if labor is a one-to-one ratio and leader income is a one-to-one but at a higher rate, leverage is a one-to-many.
This is where your time stops being the bottleneck. You stop being the bottleneck in your business. for example, clients come to me and they're like, I'm already making a lot of money as a coach, but I feel like I'm already at the top of my market. I can't charge more. Well, you probably can charge more, but let's just assume that's not even the problem. Stop selling your time in these five, $10,000 one-on-one coaching packages. Instead, sell that same expertise in a $10,000 group coaching package instead of a one-on-one coaching package, because then I could sell 10 of them
in one day and I could be serving a hundred of them any given month and I'm working less but making more. Could you turn your expertise into a book? Could you turn your expertise into licensed coaching that you sell to other organizations?
Graham Cochrane (18:24.718)
Could you run an event that people pay you to be at the event? So yes, you're getting paid for your time at the event, but at the event, you sell a group coaching offer that you can fulfill one to many easily, no matter how many people take you up on that offer. So now you've leveraged your time there. So you not only get paid the days you're there, but you get paid for the next year, no matter what happens, because they've now paid you monthly or for the year to be in your coaching program. This is the biggest.
lift for people in terms of wealth building. This is when it starts to really accelerate because now you're moving from I can sell my my knowledge and my wisdom, but I can sell it at scale. So one of the things I help people do is turn what you know into a premium offer. Ideally a group leveraged coaching program or something like that. I teach this MI 10k offer challenge. I'm running it in a couple of weeks from now. should come. The link's below.
10koffertchallenge.com to get the dates and when we're coming. Just grab a ticket, come. There are limited tickets, especially for the VIPs, so make sure you grab one of those before those are gone, then we could actually do some group coaching together and I can answer your questions in particular. But what I'm gonna help you do in this event is take what you know and turn it into a scalable, premium coaching program or offer or whatever you wanna do that's gonna set you free from trading your time or expertise for money. And it's gonna be a system.
You can get paid for your system. That's the only way. I work on average five to 10 hours a week. Most weeks it's five or less. If I'm running my challenge, let's say that's a busier week for me. That's like 10, 10, 11 hours a week. But even if you're busy week is 10 hours a week, that ain't a bad week, right? I'm working five to 10 hours a week and I'm generating anywhere between 300 and $500,000 a month right now. It's not a bad life, right?
three, four, five, six million dollars a year, working five hours most weeks. This isn't because I'm trading time for money at a high rate, it's because I'm selling systems. I'm selling outcomes to people that I don't have to fulfill one to one. Does this make sense? This is where you win. So come to the 10K Offer Challenge if you wanna learn how to do that. Just go to 10kofferchallenge.com. I'm gonna link to it in the description of the show notes below. If you go from level two to level three,
Graham Cochrane (20:48.268)
It's game over. You're going to be able to pay off all your debt. You're going to be able to get into the house you want to live in and the neighborhood you want to live in. You're going to be able to drive the cars you want to drive cash. You're going to be able to put your kids through college if they want to go to college without any debt. You're going be able to take that vacation you want to take. You're going to be able to take two to three weeks off every Christmas. Take a month off in July. Go on vacation. You're going to be able to do these things.
because you are making money even when you're not working because you're selling systems for money. This is when you feel your life change, but this is when the money comes in on overdrive and you have more money than you know what to do with. What is great about this, if you have a heart for people, which I believe you do, you'll start to realize that within 12 months of sell, if you get these systems set up, within 12 months of selling these systems,
you're going to have all the money you actually thought you wanted. Like you're going to be able to upgrade the things you want to upgrade, take the vacation you want to take, not have to look at how much gas costs or how much groceries cost. You're already going to feel like a millionaire without needing millions of dollars in the bank. And then you're going to actually come to an amazing question, which is, what do I do with all this extra money? And when you come to that question, have some fun, buy something crazy, do something crazy. But even then that wears off, you're going to realize the coolest thing you can do with all this leveraged income
is give it away. And that's when things get to be really exciting. And that's what actually motivates me to keep making as much money as possible. I don't need to work anymore. I don't need to make any more money, which makes coaching and selling so much easier. Like, do know how much easier it is for me to sell $55,000 coaching programs, $25,000 coaching programs, $250,000 coaching programs? You know how much easier it is to sell those when I don't need their money? Do you know how much...
more people want to pay me when they know from everything in my body language, in my tone, everything that they realize, Grant doesn't need my money. I actually need his help way more than he needs my money. You know how much easier it is to sell things like that when you're leaned out because you genuinely don't need the money? It's amazing. You actually will sell more. You'll make more money, which only propagates this ability for you to give it away. I'm able to give away so much money to the causes and the charities and
Graham Cochrane (23:16.462)
people that mean the most to me or even strangers if I want to because I don't need the money I've got more than I know to do with. And imagine what life could be like for you when you know someone who needs a new car and you can just buy them new car. You know someone who needs money to pay for an adoption and you can just fund the adoption. Like they so desperately want to adopt a kid but they don't have $50,000 and you can just give them that money, right?
When you meet a waiter or waitress who's just incredible at their job and they're serving you so powerfully and after talking to him you realize this guy's really struggling or he just lost his spouse or his mom or dad or he's rebooting his career or got divorced or whatever it is and he's going through a hard time and you can leave a $300 tip on a $100 meal. you can do this kind of stuff when you have leveraged income. Does this make sense? So you've moved from labor income to leader income.
That's where everybody gets stuck. That's the trap is leader income because it looks good on the outside you make good money That's why it's hard to leave but you've got to make that big leap from level two to level three Which is not as big of a leap as you think it is But it feels emotionally like a big leap to leverage income and you're selling your systems for money. That's when life becomes amazing But what's amazing is and you could stay there and that's a great place, but the ladder doesn't stop there the ultra wealthy the the pinnacle of the game that is available to everyone that was
One's only available to ultra elite and that is level four of the income ladder. That is legacy income. With legacy income, you're not selling your time for money. You're not selling your expertise for money. You're not selling your systems for money. You are owning assets that make you money.
you're owning assets that make your money. So you're not actually selling anything. You're taking the money you earn from your leverage income, the systems that you're selling, and you're then taking that income and you are buying assets or creating assets that then make you money no matter what. Examples include real estate. You make money in your business, you go buy a piece of real estate that cash flows, and you get paid for doing nothing.
Graham Cochrane (25:31.758)
Even if you buy a piece of real estate that doesn't cash flow, I'll be honest, like we bought a luxury Airbnb a couple of years ago now, it has not cash flowed for us. At best, we're breaking even. Now, part of that is because we bought at the top of the market, interest rates were insane. We've also put a lot of money into it, flipped it into this biohacking luxury Airbnb. But that property has gone up almost $200,000 in the last two years.
So I have made, even though it's not been cash flow, it's cash increase, it's an unrealized gain, it is still the same thing. My wealth has increased by $200,000, doing nothing. This is the power of real estate, so you can cash flow, can also get cash appreciation, property appreciation. So real estate is an asset you could buy. Stocks, which is buying shares of other people's companies. I own a ton of stock through index funds.
So as they make money, they work hard, you get paid dividends or just your shares go up without doing anything. It's the most passive thing you could do is own someone else's business. You could get equity in someone else's business that's a private business, either through private equity. If you can get access to private equity funds, I'm in some private equity right now. Or if you literally know a company, you know someone that wants investors, I've invested in some startups where I buy in and I now have a certain percentage share of that company.
It could go to zero or it could go to the moon. It could go either way, but I own part of the company. I don't do any of work, right? Like I bought into a company that is a protein gummies company called More or Less Gummies, or More or Less Protein. They're amazing, by the way, if wanna check them out. And so this is a company that they're working hard to sell protein gummies, clean protein gummies to the world, and they're doing all the work, running the business, fulfillment, shipping.
packaging, getting influencers, advertising. I don't do any work. I just own part of the company. And if they go to zero, I lose my investment. But if they go to the moon and they sell, I'll make millions of dollars. this is what we're talking about. I'm not doing any work, but these assets are paying me, okay? Royalties. If you've written a song, you've written a book, right? You get a royalty off of a product you created. You do the work once.
Graham Cochrane (27:55.618)
Like for instance, my book, The Effortless Business, is my third book. I get paid, I sell this book directly, so I get paid every day it sells. This book sells every day on my website, $29.99 plus $9.99 shipping and handling. I get paid every single day. I did the work once, I get paid every single day off of it. My first two books I did with a publisher. So they get paid and then they pay me a royalty. I get royalty checks every six months from them.
and they just sent me a statement and they wired money to my account. I wrote my first book, How to Get Paid for What You Know in 2022, so four years ago. Well, I wrote it six years ago, actually. But it was published four years So wrote it six years ago. I still get paid on it every six months. My second book, Rebel, I get paid on every six months. This is what we're talking about is taking your intellectual property, taking your knowledge, taking your expertise, but putting it into an asset, creating
a self-replenishing asset, right? Something that it gets sold, but it doesn't go away. Or an asset that you buy once and it pays you every single day. If you, you could even own your own business that you no longer operate. You could own a couple businesses, set a business up, hire people to run it and then disappear. And then you get paid a salary or you get paid distributions from that company without working in it. Any one of those things work. Any one of those things work. There's so many assets you could have
whatever is exciting to you, whatever gets you up in the morning and you're like, this is so cool. The point is owning something that requires no work on your part. You just collect checks. People call this mailbox money. Just collect checks. Do you know that you can collect checks? Yes. This used to be limited to the elite. This used to be limited to the literal kings and landlords, the lords that owned the land. Now every single person
can buy stocks, equity and public traded companies. You can buy real estate, super accessible. There are loans that allow you to get real estate. Maybe it's not in the city you want. Maybe it's not in the part of town you want in that city. Maybe it's not as nice as you want, but you can go and buy. This is why you should just buy a home.
Graham Cochrane (30:15.31)
This is why you should start investing in stocks through index funds today. You don't even have to have a stockbroker. You don't have to talk to a human being. You can open up your apps on your phone and buy shares of a company now, even 50 bucks. Instead of going to Starbucks and giving them money, buy Starbucks. Buy shares in Starbucks. Instead of paying Disney for Disney +, buy shares in Disney. Like own the company. You can own, instead of being a consumer, be an owner.
You don't have to earn a certain amount of money to own stocks. If you look at the economy, people have been talking lately about the K-shaped economy, where you've got two very different worlds, where you got some people saying, I'm having a harder time than ever economically. Life is harder, more expensive, can't get ahead. But you have other people going up, like the other line in the K, I'm doing better than ever. Do you know the difference between people who are struggling right now financially and people who are winning right now financially? The divide between
The have-nots and the haves, the rich are getting richer, the poor are getting poorer. You know the difference between that? The people that are doing well own assets. That's it. They own a house, they own stocks, even in their retirement account. That's it. You don't have to be a stock picker. You don't have to be a real estate investor. It's people who own their own home and who have stocks in their portfolio are winning.
And they will continue to win. Those are the two great escalators to wealth. You don't have to know anything about anything. Just buy a home and buy index funds that hold stocks every single month. You can't not get wealthy that way. It's just that people complain or say, don't have enough money to invest, which is not true. You always have enough money to invest. If you have $5 a day to invest, you can become a millionaire.
Right? Five dollars a day.
Graham Cochrane (32:51.406)
$5 a day that you could waste easily on Starbucks, on energy drinks, on whatever you do. And I'm not opposed to any of those things, I'm just saying we all can find $5 that we're wasting every day. That's $150 a month, that's $1,800 a year. If you're in your 20s and you just invested that $5 a day, when you're in your 60s, you'd have $875,000 at a 10 % return, which is way less than we've seen the stock market do the last 10 years.
and it's about the average that the US stock market has done for over 100 years. That's just $5 a day. You double that to $10 a day, $1.752 million. Okay, the point is investing is all about a habit, a choice, an identity. This fourth level of income is about an identity shift. I'm no longer going to work for my money, I'm gonna have my money work.
for me and until you decide to be an owner and an investor, you will never create legacy income. The beautiful thing is anyone can buy assets. Maybe you can't buy as much stocks as you like. You can't buy this big of a house as you want. It doesn't matter. Start where you are and become an owner because assets continue producing without ongoing work. It's the only way the rich get richer is they own assets. They don't work harder. They're not smarter.
They don't work faster. They own assets. The amount of leverage you have when you're in this level is infinite. It's infinite. Right? You could call this legacy income. You could call this limitless income. It's literally almost limitless how much money you could make. This is where money starts working for you. And when your money works harder than you work, when your money makes more money than you make, dude,
You're rich beyond your wildest dreams.
Graham Cochrane (34:54.798)
So the real path to wealth, we all start with labor income. You need to move from labor income to leader income as fast as possible, but do not get trapped there. You're selling your time for money and labor. You're selling your expertise for money and leader income, but make the jump from leader income to leverage income as fast as possible where you sell your systems for money. And then you take the overflow from those systems that you're selling and leverage income.
and you create legacy income by buying assets or creating your own. Write a book, buy real estate, buy stocks, invest in someone else's company, get into private lending, lend somebody money that can pay you back.
put your money to work for you. Money never gets sick. Money never takes vacation. Money never complains. Money never sleeps. Money works harder and better and more scalably than any human ever could. So the question for you is, which level are you on? And what level are you building toward? See, most people are trying to earn more money at the bottom of the ladder.
I could just make more money per hour. But wealth grows as you grow. Wealth grows as you go up the ladder. And your identity shifts from a labor income person to a leader income person to a leverage income person to a legacy income person. What level is your next level? So the goal again isn't to work harder, it's to increase your leverage. And when you do that, your life changes, your family's life changes.
the lives around you change because you're able to make a difference in your community and in the world. If you need help jumping from level two to level three, you should come to the 10K Offer Challenge. That's exactly what we do. We help you create premium offers built around your expertise and put them into a systematized offering that allows you to stop trading your time for money or even trading your expertise for money. It'll help you scale your business. You could probably do 2X to 10X the amount of income you're doing right now.
Graham Cochrane (37:11.052)
working half as much. All the details are 10koffertchallenge.com. I'll link to it below. Leave me a comment if you're watching on YouTube. Let me know what level you're at, what level you want to get to next, or message me on Instagram at dgramcochran and let me know that this episode resonated with you. I hope this blessed you, hope this encouraged you. Let's move up the ladder, my friend. Let's make wealth faster, make money faster. Stop working harder or working longer. Change the way you make your money. I'll see you in another episode real soon.
