Millionaire Mindset and Wealth Building Psychology for Seven Figure Earners

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Let me tell you something that might change everything about how you approach wealth. Your mindset isn’t just some fluffy self-help concept people throw around. It’s literally one of your most valuable assets. Research by psychologist Carol Dweck shows that a growth mindset fosters resilience and adaptability, key traits for wealth-building, and studies consistently find that successful millionaires attribute their success to mindset factors over education or background.

When wealthy people say they could lose everything and build it all back, they’re not just flexing. They’re talking about having the mental framework to navigate the game again. That’s what real wealth looks like from the inside.

If your business is already generating $100k+ per month, My Inner Circle is where you break through to the next level. Inside, I’ll help you identify and solve the bottlenecks holding you back so you can scale faster and with more clarity.

Why You Need to Think Big While Staying Humble About Current Success

Here’s something most people get completely backwards. You need to think huge while staying humble about where you actually are right now.

Perfect example. I recently picked up a McLaren 750S Spider from Prestige Imports in Miami. Nice car, right? But walking into that dealership was a humbling experience in the best way possible.

They had four Bugattis sitting there. Multiple Chiron Pure Sports. About a dozen Paganis just casually displayed. And I’m buying what ended up being one of the cheaper cars in the entire showroom.

That feeling was incredible. Not deflating. Inspiring.

It’s the same thing with watches. I know a guy who was on a yacht where most people wore Rolexes. He and a few others had Richard Milles. Someone made a comment about Rolexes being nice but really just meant to fill the watch box.

I laughed because it’s true. I love my Rolexes. Nothing wrong with them at all. But the point is you want to always see bigger levels than where you currently exist.

How Location and Environment Influence Wealth Building Mindset

Location matters more than people realize. I live in Miami specifically because being surrounded by massive wealth is constant here.

The co-founder of Google, Sergey Brin, pulled up in a four hundred fifty million dollar mega yacht across the street from where I live. I timed it. Took me two minutes and twenty six seconds to walk from the front to the back of that yacht. I’m six foot five with a long stride.

What does seeing something like that do to your perspective on your current revenue? Even if you’re hitting million dollar months, the US government considers you a small business until you’re doing forty million a year. According to the Small Business Administration, small businesses are defined by firm revenue ranging from $1 million to over $40 million, with the upper threshold varying by industry.

Forty million a year.

I’m talking about teaching twelve million a year through million dollar months, and I don’t view that as the ultimate level. Not even close. It’s a stepping stone.

I recently did an interview with a guy named Ryan who’s done seventy plus million in earnings. You know how he framed million dollar months? As a stepping stone. That’s it.

Why You Must Become Bigger Than Material Possessions to Build Wealth

This is critical. You personally need to become bigger than the physical things you want.

When I think about a handbag for fifteen or twenty grand, my immediate thought is: you’re telling me you’re not bigger than a bag? You’re not bigger than a watch? A pair of shoes?

What about a house? A car collection? You need to be bigger than all of it.

How do you get there? You get bigger than the stuff because once you clear that hurdle, you unlock the truest version of yourself to make substantially more money. I call this becoming the sophisticated gambler.

The Summit System for Progressive Wealth Building and Goal Achievement

I have this belief system I call summiting. It changed everything for me, and I later discovered John D Rockefeller thought the exact same way in his letters to his son.

When I first started getting wealthy, the very first thing I needed to handle was my wardrobe. There was this boutique called Y3 on Lincoln Road in South Beach.

I remember walking in wanting a hoodie. My hand was literally shaking handing them four hundred dollars. But accomplishing something I was previously smaller than felt incredible.

From there, I’d go back every time I won. Every victory meant more Y3 clothes. Eventually I looked at my closet and realized I couldn’t fit more even if I wanted to. Check. Summit reached.

Think of success like climbing a massive mountain. The summit is the top where you have a flat spot to chill. But there are multiple summits at different levels on the way up.

Those summits are initially defined by stuff you were previously smaller than that you need to get bigger than.

My first checkpoint was the Y3 clothes. Next was getting a better apartment on North Bay Village here in Miami. Needed rent times three and a slightly higher monthly rate. Required a handful more clients. Not a ton of work. Done. Next summit reached.

Then I started splitting time between Miami and LA, flying back and forth every week. First it was economy flights. The next summit was consistent first class. Once that normalized, I never went back down.

Eventually you get the fleet of nice cars. Multiple homes. All the clothes and stuff. You become bigger than these things.

How Wealthy People Transition from Earning to Strategic Investing

This is where everything shifts. After you summit past all the stuff, you evolve into what I call the sophisticated gambler.

This is a characteristic nearly all million dollar month earners share. They start making high probability bets.

I’m not talking casinos or sports gambling. I’m talking businesses. Stocks. Real estate. Investments.

These people reach a point where they’re like, alright, I got all this stuff. I’m bigger than the things. Now what?

They start taking far greater calculated risks because everything else is handled. Their lifestyles are easily covered by sustained cash flow. They’ve accumulated enough cash reserves to justify bigger bets that create meaningful returns.

More importantly, they’re taking bets that are very probable to play out in their favor. Usually through businesses they own or a key business they want to pile money into.

Then they rotate the cash. A bet plays out in the business. They get substantial cash flow as a result. They reinvest to do it all over again. Some of that cash goes toward getting wealthy through more traditional investments and assets.

Here’s what I know for certain. When you have a bigger mountain you’re climbing to reach sophisticated gambler status, the size of that mountain dictates how many chips you have to gamble with. Studies on wealthy investors show that rich households tend to tilt their portfolios toward higher-volatility stocks due to social status concerns and lottery preferences, demonstrating how accumulated wealth enables greater risk capacity.

How Conservative Financial Advice Limits Wealth Building Potential

There are people on Twitter who push this idea that you should be content with a Honda Accord and a basic life. Those people can kick rocks.

I think they’re genuinely misguided. And look, it’s fine they exist that way. Nothing wrong with it technically. But they don’t have anywhere near the money that people who accomplish far more have when they reach the gambling point.

These same accounts give financial advice about maxing out IRAs and 401ks and investing a couple thousand a year.

Meanwhile, I want to consistently invest a couple hundred grand a month to achieve my financial outcomes. That’s normalized for me. It’s a direct result of the size of mountains I chose to summit.

Don’t underestimate the danger of convincing yourself out of big things and nice stuff and large lofty goals. Don’t be smaller than the stuff.

How to Condition Your Mind to Normalize Larger Financial Transactions

You must diminish what you currently consider substantial. You do that through data.

You need to look at hard data that tells you straight up you’re a small fry. When you accomplish a fraction of what the biggest things are that you regularly see and condition yourself around, you will accomplish what you currently view as substantial.

Right now as I write this, I’m looking at the Waldorf Astoria being built. Someone’s taking a couple hundred million dollar bet right in front of me.

I live in an actual penthouse with a twenty five hundred square foot balcony where I can see the entire city. From up there, I can see at least thirty cranes at any given time without exaggerating.

Every single crane represents someone taking a high tens of millions to low couple hundred million dollar bet. They’re all attempting to make tens or hundreds of millions in profit.

That’s normal because of where I live.

I can walk across the street to the park and see twenty plus yachts worth anywhere from a couple million to a few hundred million each. There’s one across the street right now selling for three hundred thirty million.

Where do they put it to attract buyers? Miami.

When I drive around in my McLaren, it feels good. But I personally know ten guys in this city with Bugattis on a first name basis. How does that even happen?

I was at a courtside Miami Heat game and invited my buddy Eric. He texted saying he might be late because he was buying a Senna. He pulled up twenty minutes late and had a valet drive his new seven figure McLaren Senna that he’d just bought.

That’s just normal.

Step by Step Process for Building Sustainable Wealth Over Time

You have to condition and normalize substantial things and bring them down to your base level reality.

Want to make way more than whatever you currently consider a lot of money? You must normalize a higher level and sustain it genuinely.

I’m not stretching myself in any way having a few homes, a few nice cars, going to games courtside at high frequency. I’m still investing substantial amounts and taking risks with money too.

You have to normalize it. When you first look at this level, it seems intimidating. You think you have to do it all at once.

No. Absolutely not.

You work your way into it. Just like I did with that Y3 sweater going from broke to getting rich. The first time you do it, you’ll be a little shaky handing them the money. It’ll feel good but you won’t be able to do it again right away.

Over the course of maybe a year or a few months, suddenly you have a full closet of that. Then you’re ready for the next summit.

I don’t want to sound pretentious here. That’s not my goal. But when you start getting rich, you’re going to isolate yourself in ways you can’t comprehend.

You’ll be super open with other rich people. But you’ll feel uncomfortable knowing the thoughts the general public will have when you’re spending their annual salaries in a month on random things.

When you’re investing their annual salaries every other week, you’re going to get hate. It’s important to acknowledge that.

But here’s the thing. Money is incredibly powerful for all the awesome things you get to do with it. The impact you can make. The speed at which you can live. How you can materialize life sooner.

It’s a brick by brick process though. Step by step, day by day, transaction by transaction.

I’ve been at this for more than ten years to get to the level I still view as small that I’m talking about right now. I view myself as a small fry with so much more upside to go.

You should too. That’s where the growth is.

But while you’re in that frame, you still must step by step, day by day, brick by brick take the necessary actions and buy the stuff and summit and check the boxes.

The Path from Active Income to Wealth Through Strategic Risk Taking

The most important point I’m emphasizing in this entire blog is this: you have to reach the level where you become the sophisticated gambler. You have to.

And you don’t want to rush it. You want it to be a genuine, slow cooked, compounded process that helps you reach and sustain that level.

You need to be cool, calm, collected, willing to lose but not in a way that’s going to hurt you financially to take some bets.

Here’s what I’ve learned about getting rich. Through active income you can earn and afford an incredible quality of life and invest.

But to get super rich and eventually wealthy? It’s gambling one hundred percent.

It’s either luck, which is arguably created. Luck isn’t some random variable. You create luck. You manufacture luck and increase the odds that luck plays out in your favor.

But you can earn a great life through active income. There’s a statistic from one of my clients who teaches people how to buy businesses. Back in the Wild West days, eighty four percent of people were business owners. Now? Six percent. Historical data shows that in 1910, 36% of American workers were self-employed, while today only about 7-9% of adults own and operate an established business.

Through businesses and through gambling, we can get super rich and eventually wealthy. But the first step is getting rich, which can be done through active income easily.

You have more than enough opportunity nowadays. The internet has blessed us with access to information like this. There’s so much information and access available. All you have to do is be resourceful.

Why Your Internal Mindset Must Exceed External Success Levels

When you’re trying to crack million dollar months or add that next million a month, mindset can hold you back. You have to evolve it.

I like to say the internal world needs to far exceed the external world. Why? Because the external world catches up to the internal world. Then you must progress the internal world again.

That’s where most people mess up. They have time to do it when they have time. Think about that.

When you’re at a base level making less money, you have time to evolve your internal world. Read books. Go to conferences. Talk to people. Get more information. Consume content. Expand your inner worldview of what’s possible.

Then your external world slowly catches up to your internal world.

If you don’t take time to expand the internal world when your external world is close to catching up, I assure you of this: you do not want the external world to exceed the internal world.

You’ll feel all kinds of anxiousness. You’ll feel inevitable collapse and doom coming.

Want to feel in control? Capable? Like there’s more to accomplish and do?

You want to constantly have the external world in the rearview behind you while you stay ahead mentally and internally.

It’s arguably one of the most important characteristics to perpetual growth.

How to Build a Network of High Achieving Entrepreneurs for Mindset Growth

One of the easiest ways to condition the bigger game is through people. Through conversation. Through data.

I get people who come into my programs already doing a million a month who immediately realize they’re way smaller than they previously thought.

Why does that happen? People. Data. Being able to see statistics up close. Being in a community where people share things openly and willingly without fear.

Nobody genuinely puts out solid information and is willing to share their business and show you what’s good and tell you how to think because they’re afraid of the general public.

Perfect example. Last night in this car, we were coming to shoot content. A girl drove by on a bicycle with a caramel frappuccino and just threw it at us.

That’s where we are. And it shows up in different forms. People attacking you online. Highly credible individuals who help people in profound ways through their businesses have people talking negatively about them online who’ve never even used their services.

It impacts your ability to help people at scale consistently.

You can’t act with fear. You have to be in a safe place with other people who understand the game.

You can’t be a winner at a significant level with a bunch of people around you who don’t understand or in a place that doesn’t help condition the bigger game.

That’s why mindset, environment, and the right people around you matter so much when you’re building real wealth.

The path is clear. Feel small but think massive. Summit past the stuff. Become the sophisticated gambler. Keep your internal world ahead of your external reality.

Do that consistently, and million dollar months stop being the ceiling. They become the floor.

What I can teach you isn’t theory. It’s the exact playbook my team has used to build multi-million-dollar businesses. With Master Internet Marketing, you get lifetime access to live cohorts, dozens of SOPs, and an 80+ question certification exam to prove you know your stuff.

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