This will keep you BROKE (But you can fix it fast)

        ## Topics and Main Speaking Points

**Core Topic:** Why belief—not skill, timing, or luck—is the fundamental difference between entrepreneurs who build wealth and those who stay stuck.

**Main Speaking Points:**

1. **The Mastermind Observation** — At a $55,000/year mastermind event, I noticed two groups with identical access to strategies, coaching, and opportunities. Some were making millions; others hadn't even launched after a full year.

2. **Poor Beliefs vs. Rich Beliefs** — I break down the limiting beliefs that keep people stuck ("I'm not ready yet," "making money is hard," "wealthy people are evil," "there's only so much to go around") versus the empowering beliefs that drive wealth creation ("action takers are money makers," "wealth has a need for speed," "I'll figure it out along the way," "life is abundant").

3. **The Life Change Formula** — Believe → Think → Feel → Do. What you believe shapes your thoughts, your thoughts shape your emotions, your emotions drive your actions, and your actions create your results.

4. **Generosity as a Wealth Mindset** — I challenge the idea that wanting "just enough for me and my family" is humble. I argue it's actually selfish and small-minded. The more money you make, the more good you can do.

5. **Taking Ownership** — The system isn't rigged against you. Anyone can win if they serve people powerfully and take massive action. Stop waiting for perfect conditions and get in motion.

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Have you ever noticed how two people can have the exact same opportunities—the same mentor, the same strategy, even starting on the same day—and one explodes in business and wealth while the other barely survives?

I used to think the difference was skill, timing, luck, or personality. It's not. After years of coaching entrepreneurs, I finally figured out what actually separates those who get rich from those who stay stuck. Once I saw it, I could see it everywhere.

**It all comes down to four simple words: Believe, Think, Feel, Do.**

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### The Mastermind That Changed My Perspective

This past week, I was at a mastermind event in Clearwater, Florida. The room was filled with high-level entrepreneurs—everyone making at least $20,000 a month just to get in, with multi-millionaires mixed in alongside people launching brand-new ventures. All high-level thinkers. All paid a significant price to be there. All taking it seriously.

I love these events. As a solopreneur and introvert, I tend to work alone. When I do get out, it's energizing to share what's working, hear what people are excited about, cross-pollinate ideas between industries, and support each other.

During breaks, meals, and evening conversations, I got to know many of these people. One gentleman in particular said something I couldn't shake.

"What are you excited about in your business?" I asked.

"I'm really excited about finally getting things off the ground," he said. "Launching my new offer, maybe a challenge. I just haven't really gotten started yet."

"Oh, are you new to this mastermind?"

"No, I've been in it for a year."

A year. In a $55,000 program. And he hadn't launched.

"Why haven't you launched yet?" I asked.

"I'm just waiting until I have all the right systems set up—the funnel, the lead magnet, the challenge dialed in. Once I have all that ready, I'll be good to go."

I asked if I could coach him for a moment. He agreed.

"I don't think that's what's really going on," I said. "That's what you tell yourself, but I don't believe it. If you don't do something this week, I'm afraid you're never going to launch. And this will have been a giant waste of your money—and worse, your time."

Then we got called back to our seats. I never got to follow up.

But here's what was really happening: In that same room, other people who paid the same amount and started in similar financial situations a year ago had generated *millions* of dollars. Some were closing $50,000 and $100,000 deals *during the event*. We're all in the same mastermind, with the same coach, the same strategies, the same access.

**So what's the difference?**

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### One Word: Belief

The difference between the guy who hadn't launched after a year and the people sitting at the front of the room making millions is what they *believe*—about themselves, about business, about the economy, about what's possible.

I know because I spend time with the high performers in that group. They sound like completely different people. Different vocabulary. Different mental universe. And that shows up in their wallets.

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### Poor Beliefs

Here are some poor beliefs I've observed. See if any resonate:

- "I'm not ready yet."
- "I need the right system, software, team, or opportunity."
- "It's going to take a long time to build wealth."
- "I'm not good enough, credible enough, or talented enough."
- "Business is hard. Life is hard. Making money is hard."
- "I don't want too much money—just enough for me and my family."
- "Wealthy people are evil or must have done something bad to get rich."
- "Life and money are limited. There's only so much to go around."

If you've believed any of these, I'm not calling you out—I'm shining a light on what's true. These beliefs weren't accidents. Our culture programmed us this way through movies, media, and messaging that says wealth is evil, there's not enough, and life is hard.

**How's that working for you?** Do you like what those beliefs have manufactured in your life?

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### Rich Beliefs

Now contrast those with what wealthy, successful entrepreneurs believe:

**"Action takers are money makers."** Not the smartest people. Not the most credentialed. The ones who take action.

**"Wealth has a need for speed."** Jump on opportunities. Don't sit back and "play it safe" while windows close. I'm not the smartest person in any room—so I just go. I implement fast. Eight out of ten ideas won't work anyway, so the sooner I get through them, the sooner I find the two that do.

**"I'll figure it out along the way."** You can't figure it all out before you start. You can't learn to swim by watching YouTube videos. At some point, you have to get in the water.

**"I am just as deserving of wealth as anyone else."** Many people carry a broken belief that they don't deserve wealth—maybe from how their parents talked about money, or from a past failure that left them feeling cursed. Rich people examine those beliefs, chop them up, and throw them out.

Let me speak this over you: *You are just as deserving of wealth as anybody else.* You are made in the image of God, and God loves to bless His people.

**"The more money I make, the more good I can do."** Saying "I just want enough for my family" isn't humble—it's small-minded and selfish. Every nonprofit, every ministry, every organization helping people in need is funded by people with extra money. My wife and I give away hundreds of thousands of dollars every year. I've paid off student loans, funded adoptions, bought cars for families in need, helped with house down payments. You can't do that without extra money.

**"The sooner I make money, the sooner my money can make me more money."** This is investing. When your money makes more than you do at work, that's financial freedom.

**"Opportunities come when I'm in motion."** Poor people wait for the right opportunity to find them. Rich people believe opportunities come inevitably—once they're in motion. Jesus said, "Seek and you will find." Open doors don't find you. You have to go looking.

**"Making money is easy and fun. It's a game."** There are rules, winners, and losers—but the same opportunities are available to all. Anyone can win if they serve people powerfully and take massive action.

**"Life is abundant. There is an infinite amount of wealth to be had."** If you believe life is limited and scarce, you'll either fight and scratch for your "fair share" or give up entirely. Neither is acceptable. You can choose to believe the truth: there's infinite money and opportunity out there, available to anyone willing to look for it.

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### The Life Change Formula

I learned this from one of my mindset coaches, Julia Woods. It's four steps—but really just one, because if you nail the first step, the rest follow:

**Believe → Think → Feel → Do**

What you believe determines what you think about all day. What you think about determines how you feel. How you feel determines what you do. And what you do determines what you get.

You can't just decide to "do different." You'll only go as far as your beliefs allow. That guy who hadn't launched? He knows exactly what to do. We all do. It's not about knowing more strategies or tactics.

**Your bank account is determined by your beliefs.**

As Ben Hardy and others have said: *You don't get what you want. You get who you are.* And who you are is a product of what you believe.

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### Changing Your Beliefs

Changing beliefs isn't easy. It takes discipline and daily effort. You have to re-evangelize to yourself—give yourself the new message again and again.

This is why your morning routine matters. Why who you hang out with matters. Why what you scroll through matters. If you're following people who spew negativity, conspiracy, and victimhood, you're reinforcing poor beliefs.

Throw out the mental junk food the same way you'd throw out Oreos and soda on a diet. Then preach to yourself a new message: hope, possibility, abundance, opportunity. "If they can do it, I can do it."

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### Be → Do → Have

Myron Golden says it this way: *Be, Do, Have.* Want to have more? Do more. Want to do more? Become more.

And I'd add: in order to become more, you have to *believe* more.

You can only become what you believe. If what you believe isn't serving you, throw it out.

Today is your day to start over—to believe something completely different about yourself, your business, your bank account, and the world. Watch it change everything about your life.