Never Be Poor Again. A guide to money as a spiritual practice with author Mathew Morales.

ABOUT THIS EPISODE

Author Mathew Morales, talks with John Browning about the difference between begin rich and wealthy. If all you have is money you are actually poor. Listen to this interview and learn how to take the next step in your financial literacy journey. This is a very compelling conversation that you will really enjoy. Connect with Mathew at his website: TheMoneyMystic.co. And always remember that nothing in this communication should be construed as personal investment advice and past performance is no guarantee of future results. Investing is not appropriate for everyone. There is a risk of loss associated with investing in the markets. No representation or implication is being made that using any methodology or system will generate profits or ensure freedom from losses. Please remember that investing carries risk. Guardian Rock Wealth LLC and its affiliates are fiduciary investment advisors. Please consult with us or another experienced, qualified investment advisor before making any investment decisions and/or trying to implement any of the strategies and tactics we may discuss in any of our publications.  

Welcome to the build your life podcast with John Browning. Build your life as a relaxed and unedited conversation with financial expert in number one Amazon bestselling author, John Browning. John's the founder of Guardian Rock Wealth and serves clients across the United States. John's the author of the book build a life, not a portfolio, a guide to your financial future based on your personal values, which you can purchase on Amazon, or stay around to the end of today's show and I'll tell you how to get a free copy mailed right to your door. I'm Michael The lawn your house for the next few minutes as we chat with financial expert and business owner John Browning. Hey there, matthew, this is it is awesome to have you on the building your life podcast here today building your life with John Browning, and those of you who are regular listeners know that this is not investment advice. Right, Matthew? It is not investment advice, non investment advice. However, we hope that you can get something that you will be able to take away and be able to contact either myself, John Browning or Matthew about how we might be able to help you better in your personal walk as you build your life with this school that we call money and your finances. And just you know, I'm super grateful that Matthews taking the time to spend a little time with us today. Michael Delan has taken a much needed break in and helping us with the PODCAST, but Matthew is writing, or has finished writing. Right, your first book, never be poor again, a guide to money as a spiritual practice, and the release date is July the sixteen. That I right. Yes, it is yesterday, right. I'm really excited for it to come out. All I just want to say, John, thank you so much for having me on the show. I'm really, really excited. We had some great conversation. You and I really really hit it off and it's great talking to you.

But yeah, my book, never be poor again, a guide to money is a spiritual practice, comes out on July sixteen. It'll be on Amazon, it will be on barns and nobles. You can get the eat book on Cobo and pretty much all the basic scites that you can find. That awesome and you know, it was really interesting because when we kind of mad over linkedin and you were interested in in my book, you know, build a life, not a portfolio, because I approached things a little bit differently than most financial advisors, in that I look at money and your portfolio is just one of the major tools in planning to build your best life, and a lot of times people get that mixed up, right. Yeah, they think that money is the end game. Yeah, how many people do you know, Matthew, that have all the money in the world and are completely miserable? Oh Man, it's you know, I say that all the time. People don't understand the difference. It' team being rich and wealthy. Right, to be rich is to have abundance of money. To be wealthy is to have an abundance of time. And you can have all the money in the world and no time to do anything with that money. Some people are so more poor that all they have is money. Exactly, exactly side of this. That's what that's what we're all about here on. You know, build your life not out a portfolio, but man's you pease tell me a little bit about what it is that you do personally to help people. Yes, absolutely, so. I bridge the gap between people who have no financial literacy and the next step. I am not the financial advisor, I'm not the person who is going to tell you to or tell you how to invest your money, although I know how to invest. I'm the person that's going to help you and guide you to this, understand the importance of either starting your own business or investing, whether that be in stock market or cryptocurrency, because that's completely up to you, or that means investing in other people, whatever is. But I'm bridging that gap and I'm giving the financial literacy...

...to understand the laws behind money, the simple, simple things that we need to know before you can even go and try to be rich. First you have to be stable, and so if you're in high school, if you're an entrepreneur who hasn't started a business yet, if you're just starting a business, that's where I help you. I bridge that gap. Teach how to write a business plan, a marketing plan, teach you them portance of finances. Actually teach you what to do with your finances, how to manage your accounts, how to understand what your net worth is, the fundamentals of finance. That's awesome. That is so that's a basic step that people tend to just sort of forget about and you know, one of the interesting statistics that I always talked about is that there's seventy five and this has been sort of proven out, as much as surveys can prove things, that over, over multiple surveys, roughly seventy five percent of Americans have no financial plan and even more of them have no life plan. And I see the two really dovetailed tailing. And what you do is you help people start thinking about, thinking right, thinking. Yeah, getting there first, just that first step, just our start, you know, something that we know we should get, get in high school and school. But the point is, we know they're not teaching it to so stop blaming them. Yeah, at this point, stop blaming them. We have to put it on ourselves. And so I find it interesting how many people are completely broken never think to study money. Yeah, they say, I want to learn the guitar, and they learned, learned with the guitar and they become a master. I want to learn how to sell, and then they become a master dressmaker. Yet they never want them to think, you know, I probably should learn the laws behind money. Right, exactly now, Matthew, I know that you have your in the Marines right, Rah, thank you, thank you and and,...

...but you know, I'm thinking of Marines to teaching and and showing people about money. Why, where did that come from? You know, there's like there's a huge there is that. The Marine Corps was that gap for me. So I grew up in the hood, you know. I mean I grew up in PASSAIC, NEW JERSEY, Patterson, New Jersey, New York, which is right next to New York or and, you know, right back and forth, traveling up to Brooklyn and Manhattan stuff, and so I grew up around crypts and bloods and letting kings and stuff. I grew up around shootouts. Right, we don't learn about money, we didn't learn any of that stuff right. And I wanted to get out of there and I wanted to get out of there so desperately, so desperately that I would have done anything. And so I remember I started working at the Brownstone, which was this amazing cater and restaurant that, you know, the weddings and bar mits buzz and worked with politicians and stuff like that. Really really cool show, cool plays that ended up with their own TV show anyway. And so seeing this, well, seeing these people and saying I can't live like that anymore. I can't live like that, and so I just need to get out of here, and so I joined the Marine Corps to get away from gangs. I joined the biggest gang there is, right, and I was willing to die to get out of there. And so then I that. Whole time, though, I had read Rich Dad, poor dad as a kid. My father had me read that book when I was twelve years old, and so he had, you know, eighteen, I think is when the secret came out. So then he immediately had me read that and and we read drink and grow rich and all these things. So these are all things I grew up with reading. Not many people got that right. What we call my million dollar library. My father gave me even though he never went to high school, he had this library. And so, reading all this books, I had this dissonance, this dissonance, and I was still poor. And I did that amazing job and I was still broke. And then I joined the Marine Corps and I'm still broke. And then I'd went and traveled the world and I'll still broken. The one year I made like a Hundredzeros and I was still broke and I was just like, what is going on? And it was simple. It was my arrogance, not my poverty, keeping me poor. I recognize that. My poverty never did it.

I was reading the books, but I wasn't reading the Intros, I wasn't reading the conclusions, I was skipping over the exercises. I was arrogant. I was only doing the steps that was in line with my philosophies, my poor persons philosophies, and if there was a philosophy that made me go outside of my comfort zone, I just skip that. I like that easy right, the things you don't agree with right, that's what we do. And so it hit me that it was my arrogance and that until I learned to follow the recipe, that nothing was going to happen, no matter how hard I try. You could be the biggest genius in the world. Okay, you can't switch baking soda for Sugar and expect a cake to appear. There's a minimum recipe. There's a minimum recipe and then, after you understand the recipe, then you can make it a wedding cake, in a Muffin and a cupcake. You can make a big and you can make a small, you can make it blue, you can make it pink. You can make it look like nightmare on Elm Street if you want, it doesn't matter. You can make it literally look like anything, but you can't change the basic formula and that's the formula that I wasn't following, that most people aren't following, and that's a potent need to understand before they even get to you, the financial advisor. That's absolutely right. Yeah, and you know, it's funny to you think about a pilots right, they go to pilot plane. They teach you, when you become a pilot, party you're getting your pilot's license, is how to examine the plane and they teach you to really you they teach you to want to find a crack in the plane, they teach you to want to find something wrong when you do your walk around inspection, because until you get to that point, it's a really dangerous thing to exactly pilot your own that I think that's amazing. That's a great way to look at things. I remember, you know, I say to my team, the first thing I do is there's always going to be an obstacle in a day. Right, there's always going to be this challenge or something.

There's always something goes wrong. So the first thing I do is I say, Hey, guys, congratulations, guess what, we got our first obstacle to conquer today. Yeah, you know, and the okay, cool, we got our first puzzle. We have our first you know, and we just start working on it. That we start, you know, all right, cool, and now becomes this thing that we just work through and it's like okay, yeah, it's an obstacle, but now it's a puzzle and it's an obstacle that's going to go this further and we have to have the obstacle. To think we're not going to have that obstacle is absolutely insane. Right. And and you you build your recipe like you're saying. Then I call, you know, my analogies, Road Map. Right. There's always going to be a detour, it's always gonna be something, an obstacle that comes up, but if you stay true to your map and your destination and your plan and you're consistent, you got that mindset, you'll get there exactly. I love that you say road map, because another term I use is treasure maps. Right, so you make, you make a treasure map, you better treasure map. You're getting to that treasure no matter what. You want to cross the bridge. Maybe the bridge isn't there. You think that's going to stop. You know if you have the treasure map. But if you don't have the treasure map and you're like, Oh yeah, I'm going to go get that, and then you go to the your like I got across the bridge and bridges are gone, you're like, Oh, okay, I guess I can't get there. I guess I can't get there. Let's just know to do. I don't know how far the river goes that way in that way, and the river was way too far that way. I don't know. So it's a lot easier to quit in that moment, and so that's your right. It's important to have the road map, to have that treasure mat to have that recipe, that formula to follow that. Frankly, a master spent tenzero hours figuring out in the first place, doing everything possibly wrong, until you forgot out. Oh Man, I have to do at least this. And so now we want to be Arrow and liked too smart for that. No, we're not, because not right. Yeah, I run into a lot of people that are very successful that you know,...

...then they are there right they're super smart, they're very good at what they do. There master at what they but I always say that, you know, football, my hands is worth about twenty twenty five bucks, right. You put in drew breeze's hand forty eight million or so, right, yeah, you know, you put it in the hands of a master and and it makes a huge difference, exactly. And that's any tool, right, that's any tool. It's in the tool. You're right, exactly. Yeah, whether it's a paint brush, sure, or guitar, a Hammer, doesn't matter. You know, if you if you're the person that becomes the master at it, and a master, for the people that don't know this, is simply a person who masters the fundamentals. That's what an expert is, right, they master the fundamentals. That's what a master is. They take the fundamentals and they practice those over and over and over, because those can't change. The principles can't change, and that's what I teach. I teach principles that can't change it. So it doesn't matter if you go to a financial advisor or cryptocurrency if it doesn't matter if you're thinking about for one K or buying a business, you're going to know principles and you're going to know whether it's a good choice or bad choice, because the principles are going to tell you. Yeah, that's right. Hey, before we get off the get off the show here, Matthew, can you give us, just to give us an example all the time where you've been able to make a significant difference in somebody's life through what you're you teaching, what you do? Yes, you know, I have a good friend of mine, Bria, who she was also a cooke. She also is a coach. She teaches, she's just, you know, phenomenal, phenomenal teacher. The only thing was is just the organization of her account. So she hired me to do some simple like teacher some classes, and so her working with me, I think it was within three months, she immediately went became, you know, started earning six figures from four figures and I think, yeah, I'm pretty...

...sure it was like ninety days. And she talks about all the time. She's always talking about it. You know, I'm just like, but it's all we did was really really simple things and it was just organization. And the truth is, everyone knows these rules. I'm just going to show you the importance of them. I love it, you know I love it. The the them, the amount of difference, it's just huge, right. Yeah, and it's just is usually something's different simple to remove and then add back the fundamentals. So that is awesome. Well, well, wrapping up here now, but I want to make sure people know how they can get in touch with the people know me generally speaking. They know they can go out to Guardian Rock wealthcom, hit the contact US button and I'm happy to speak with anybody, no matter where you're starting from. If you're starting from somewhere like you just haven't even gotten going yet and don't know where to go, and I may, I mean, work with you myself, or I may have you give Matthew a call to get you started and and then you come to me later. But we're willing to we're willing to help, and Matthew and I could work together to do that. Absolutely. And you guys also know you can get a copy of my book build a life, not a portfolio, right there on the website, just by filling out that contact US page and get straight to me. But Matthew, how do they get in touch with you? Yes, okay, so thank you yeah, and please make sure to buy his book. His books going to be awesome. It's going to change your life. Make sure I got my book. Never be poor again. You can contact me. I am the money mystic. You can find me on facebook as the money mystic, on instagram money mystic three, five nine. My website is money mystic dot co, notcom but money mystic DOT Co. My phone number is right on my Linkedin Matthew Morale has and make sure if find my book on Amazon, Barns and nobles, never before again. It comes out on July sixteenth and I would be happy, happy, happy, to give you some resources and anything you guys need...

...to get on the path it takes to success. Awesome. Thanks again, Matthew. Is Real pleasure. I really enjoyed it and looking forward to get in this podcast out to folks and hopefully making a difference of people's lives. Yeah, thank you. I had a great time on the show, great time talking to you and I hope I got a chance to do the show it to you again. All right, absolutely, thanks a lot. Thank you. Money really is a big part of our lives and John Browning can help you and your family learn how to keep money in the proper perspective. It's important, but it's only a tool that can help you build the life that you want. If you like, John Emeill you a free copy of his book build a life, not a portfolio. Go to John's website, Guardian Rock wealthcom, and click the contact to US link and send your request. John Will Mell a copy of his book right to your door absolutely free. Thanks for listening to building your life podcast with John Browning. Be Sure to subscribe to this podcast so each new episode will be sent to you automagically when it's released. Have a terrific day. Nothing in this podcast should be construed as personal investment advice and past performance is no guarantee of future results. Investing is not appropriate for everyone. There is a risk of loss associated with investing in the markets. No representation or implication is being made that using any methodology or system will generate profits or insure freedom from losses. Please remember that investing carries risk. Guardian Rock Wealth LLC and it's affiliates are fiduciary investment advisors. Please consult with US or another experienced qualified investment advisor before making any investment decisions and or trying to implement any of the strategies and tactics we may discuss in any of our publications or podcasts.

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