A Brutally Honest Talk On Why You Need To Get A F**kload Richer
A marketing millionaire stands in front of a Miami mastermind room and dares everyone in it to admit they're lying to themselves about how hard they're trying and how much money they actually need.
Posted
2 weeks ago
Duration
Format
Talking Head
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90.2K
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57 · 43
Big Idea
The argument in one line.
Money touches every decision you make, so the fastest way to get richer is to stop telling yourself comforting stories and start judging your effort and your income against the real math your life requires.
Who This Is For
Read if. Skip if.
READ IF YOU ARE…
You're running a business doing six or seven figures a month and feel like growth has stalled without a clear reason why.
You've never actually run the retirement or freedom-number math on your own life and suspect the answer will scare you.
You suspect you're telling yourself a story about your effort or your strategy that reality doesn't back up.
You want a blunt mindset gut-check rather than another funnel or ad tactic.
SKIP IF…
You're pre-revenue or under six figures a year, this is a talk about plateaued high earners, not a starting playbook.
You came for tactical marketing or funnel advice, there isn't any here, it's entirely about mindset and math.
Constant profanity and open wealth-flexing will distract you from the content.
TL;DR
The full version, fast.
Jeremy Haynes argues that money determines literally everything you do, so refusing to face how much you actually need is the root failure. He illustrates it by pricing out his own lifestyle (a $75K tree, a $180K surrogate pregnancy), then walks through two of his own business-breakdown clients who told him detailed stories about why they were stuck instead of admitting they weren't doing the work. He runs real retirement math on stage (the 4% rule against a $100M portfolio nets about $300K a month before inflation eats it), shares his own $200-300K-a-month investing journey and first seven-figure tax bill, and closes on the idea that your current skills have an expiration date, so today's effort and today's invested dollar are worth more than any future ones. The actionable ask: stop comparing yourself to other people, run the actual math on what your life costs, rate your own effort honestly from 0-100%, and close the gap tomorrow.
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Cold-open challenge, then a live poll of the room's monthly revenue and Jeremy Haynes introducing himself as someone who helps already-rich people get richer, setting up the premise that money is the exchange medium behind every choice.
02:15 – 12:28
02 · Find Your Vehicle
Prices out everyday things nobody thinks costs money, a $75K shade tree, $130K of real grass, a $180K surrogate pregnancy, to prove nothing is free, then defines 'the vehicle' as the specific business model he chose and explains why helping rich people solve bigger problems made him rich.
12:28 – 15:41
03 · The Size of Problem You Solve = Your Wealth
States the direct link between how big a problem you solve for others and how rich you personally get, and that a negligible impact on people means you won't get paid well.
15:41 – 21:22
04 · Are You Actually Trying as Hard as You Can?
Describes the pattern he sees across his Inner Circle clients: those who try their genuine hardest outperform everyone else, then recounts two live business-breakdown sessions where founders stuck for over a year had detailed stories explaining their plateau that didn't match what they were actually doing.
21:22 – 26:25
05 · Success & Contraction Are Lagging Indicators
Argues reality is pure cause and effect, using a meth-addiction mugshot progression as an analogy for delayed consequences, then stresses that your environment shapes your ambition and walks through his own lifestyle (mansion, private jet, driver) as evidence of a decade spent being the cause.
26:25 – 27:25
06 · The Cost of Ownership
Introduces the idea that acquiring something isn't the same as being able to afford to keep it, and asks how many in the room have actually run their retirement math.
27:25 – 30:36
07 · The 4% Rule & Retirement Math
Walks the room through the 4% withdrawal rule against a hypothetical $100 million portfolio, showing that after capital gains tax it nets about $300,000 a month, and that inflation running above the Fed's target erodes even that purchasing power over time.
30:36 – 32:01
08 · The Investment Math
Shares the math he ran at age 24 using the SEC's investor.gov compound interest calculator: $200K a month for 20 years, or $300K a month for 5 years left untouched, both land around $135 million.
32:01 – 34:05
09 · First Seven Figure Tax Bill Lesson
Recounts the shock of an $80,000-a-month tax bill tied to investing $200K a month, his first seven-figure tax year, and how what once felt impossible now feels easy after years of doing it.
34:05 – 34:48
10 · Nobody Does the Math on Their Life
Claims almost nobody runs the actual numbers across family, business, investing, and personal spending, and that's precisely why people stay smaller than they could be.
34:48 – 35:13
11 · Feel Small to Think Big
Argues for deliberately keeping the feeling of being poor alive as fuel rather than settling once money arrives.
35:13 – 36:28
12 · You're Screwing Future You
Runs through the checklist of things that feel good today, travel, watches, restaurants, first class, and reframes 'taking care of yourself' as often just taking from your future self.
36:28 – 43:40
13 · Your Skills Have an Expiry Date
Introduces the earning window concept through athletes going broke after retirement, an NFL player who's investing his contract correctly, and copywriters and graphic designers whose value collapsed once AI and Canva got good enough, then tells the Ed Mylett story about meeting your fullest potential self.
43:40 – 44:36
14 · What Would Future You Tell You?
Returns to the cold-open question directly, pushing the room to answer honestly what their future self would say about the performance of effort they've been putting on.
44:36 – 46:05
15 · The 3 Levels of the Money Game
Breaks down the three levels of making money, trading time for money, trading a product or service for money, and putting money to work to compound itself, illustrated by reframing a $20K leather purchase as a transfer of wealth to whoever's already richer.
46:05 – 47:52
16 · Rate Yourself 0-100% on Effort
Asks the room to honestly score, without lying to themselves, how hard they've actually been trying, and to compare that number again tomorrow.
47:52 – 49:30
17 · Final Message
Closes on self-actualization from Maslow's hierarchy, framing the goal as building a better version of yourself daily through consistent, honest effort.
Atomic Insights
Lines worth screenshotting.
Every object you can see costs money; a mature 60-70 foot shade tree runs $50K-100K and a nice palm tree runs $20K-50K.
A surrogate pregnancy costs roughly $180,000 per child, a number most people have never priced out because they never had to.
The size of the problem you solve for other people directly caps how rich you can get; a negligible impact on people means negligible pay.
In a private client audit, two founders (one at $150-180K/month, one at $1.4M/month) were both stuck for over a year and both had a detailed story explaining why, but neither story matched reality.
Success and contraction are lagging indicators: what you do today rarely shows up today, it shows up weeks or months later, the same way meth doesn't disfigure someone after one hit.
A $100 million portfolio under the 4% withdrawal rule, after 20% long-term capital gains tax, nets about $300,000 a month in today's buying power, and inflation running above the Fed's 2% target erodes even that.
Investing $200,000 a month for 20 years at a 10% annualized return compounds to roughly $135 million; investing $300,000 a month for just 5 years and leaving it untouched for 15 more years reaches the same number.
A $200K/month investing pace produced an $80,000-a-month tax bill, the speaker's first seven-figure tax year.
Every dollar invested today is worth more than a dollar invested later purely because of how compounding works, today is the day with the least responsibility you'll ever carry again.
Everybody has an earning window, a period where your current skills are worth the most; graphic designers and copywriters lost most of their earning power once AI and Canva became good enough to replace them.
There are three levels to the money game: trading time for money, trading a product or service for money, and putting money to work to compound itself, most people never leave level one or two.
A $20,000 luxury purchase isn't really a purchase, it's a transfer of that money into the pocket of whoever's already richer than you, reframing every spend as a choice about who gets the compounding.
Takeaway
Run the real math on your life before you trust your own story.
WHAT TO LEARN
Money touches every decision you make, so the fastest path to more of it is replacing comfortable self-told stories with an honest audit of your effort, your income requirement, and your retirement math.
02Find Your Vehicle
Nothing around you is actually free; pricing out ordinary things (a mature tree, real grass, a surrogate pregnancy) is a fast way to recalibrate how much money a full life actually requires.
Introducing yourself by the size of problem you solve, not just your title, sets up the idea that impact and income are directly linked.
03The Size of Problem You Solve = Your Wealth
The amount of impact you have on the people you help is what caps your income; low impact on people means low pay no matter how hard you work.
A bigger, harder problem solved for someone else is worth more money than a smaller, easier one solved for the same person.
04Are You Actually Trying as Hard as You Can?
It's common for high earners to have a detailed, internally consistent story explaining a business plateau that doesn't match what they're actually doing day to day.
The fix for a stalled metric (like a funnel's ROAS) is to audit actual daily actions against the story you're telling yourself about your effort, not to audit the story itself.
05Success & Contraction Are Lagging Indicators
Results are a lagging indicator: what you do today typically shows up weeks or months later, so don't judge today's choices by today's results alone.
Because consequences are delayed, a sustained pattern of behavior matters more than any single day's outcome, good or bad.
06The Cost of Ownership
Acquiring something and being able to afford to keep it are two different problems; run the ongoing cost, not just the purchase price.
Most active-income earners have never run the math on what happens if that income stops.
07The 4% Rule & Retirement Math
Retirement math should be run explicitly: under the 4% rule, even a $100 million portfolio nets roughly $300,000 a month after capital gains tax, before inflation erodes it further.
Inflation running above the Fed's stated target quietly reduces the real value of a 'safe' withdrawal number over time.
08The Investment Math
Use a real compound-interest calculator (like the SEC's at investor.gov) with your own monthly investment amount, timeline, and return rate rather than guessing at your number.
A larger monthly investment for fewer years can reach the same end wealth as a smaller monthly investment for longer, run both scenarios before committing to a plan.
09First Seven Figure Tax Bill Lesson
Aggressive investing produces aggressive tax bills; budget for the tax consequence of a serious investing plan, not just the contribution itself.
What feels financially impossible early on can become routine after a few years of sustained practice.
10Nobody Does the Math on Their Life
Most people never sit down and calculate what their actual life, family, business, and lifestyle, costs, and that gap is a major reason they stay smaller than they could be.
11Feel Small to Think Big
Deliberately holding onto the feeling of financial smallness, even after success, can function as ongoing motivation rather than something to escape.
12You're Screwing Future You
Lifestyle spending that feels good today (travel, luxury goods, dining without checking prices) can come directly at the expense of long-term wealth if it isn't balanced against investing.
Meeting your own basic comfort needs is the floor of financial progress, not the finish line.
13Your Skills Have an Expiry Date
Every skill has an earning window, a period where it's worth the most, so treat the value of your current skill set as depreciating, not fixed.
Watch for structural threats (like AI) to your specific skill's earning window the way graphic designers and copywriters should have watched theirs.
The clearest way to break out of comfort is to picture meeting your best possible future self and asking what that version of you would say about today's effort.
15The 3 Levels of the Money Game
There are three levels to making money, trading time, trading a product or service, and putting money to work, most people plateau at level one or two instead of advancing to compounding.
Reframe big discretionary purchases as a transfer of wealth to whoever already owns the business you're buying from, it clarifies the real tradeoff in the spend.
Every dollar invested today is worth more than the same dollar invested later purely due to compounding, so the cost of delaying an investing plan compounds too.
16Rate Yourself 0-100% on Effort
Rate your own effort honestly on a 0-100% scale rather than comparing yourself to other people; the honest number is the only useful input for changing tomorrow.
17Final Message
Getting richer is not a one-time realization but a daily, repeatable set of honest, intentional actions sustained over time.
Glossary
Terms worth knowing.
4% Rule
A retirement guideline stating you can withdraw about 4% of an investment portfolio's value per year and have it reasonably last, since average market returns outpace that withdrawal rate over time.
Earning Window
The limited period during which a specific skill or role is at its peak market value before technology, competition, or age erodes what it's worth.
Accumulation Mode
A phase of building wealth where the sole priority is generating and investing as much cash as possible, before shifting to spending or preserving it.
Lagging Indicator
A result that only shows up well after the behavior that caused it, meaning today's actions won't visibly pay off (or punish you) until weeks or months later.
Cost of Ownership
The ongoing expense required to keep and maintain something after you've already worked hard to acquire it, distinct from the acquisition cost itself.
ROAS
Return on ad spend, a ratio measuring how much revenue an advertising campaign generates for every dollar spent on it.
“Has anybody in here done retirement math? Raise your hand if you have. What a shame.”
audience callout with a punch→ TikTok hook↗ Tweet quote
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Who the fuck's watching your movie that you're pretending to play? Who's patting you on the back for the half -ass effort you're putting in? And yet you fuck off every day.
That's the scary part. We become convinced we're doing better than we are. Success and contraction, they're a lagging indicator.
They never show up the next day, do they? If you could pick up your phone right now and talk to future you, what would they tell you? Nice to meet you all.
How you doing? Good. Do me a favor.
Everybody stand up.
Just want to get a sense of the room so I can determine what level I'm talking to here to give you guys the most applicable advice to you here today. Is that fair? Yeah?
All right. Do me a favor. Sit down if you make less than $100 ,000 a month right now.
Okay. Sit down if you make less than $250 ,000 a month right now.
Nice less than 500 sit down Cool, what do you make nice? What's the number?
Okay, what do you make? Nice congrats anybody else make above that Okay, cool.
So most of you make less than $2 .50 a month then is what it looked like. All right. Well, for all those who don't know, my name is Jeremy Haynes.
I help rich people get a hell of a lot richer than they are now. We do that in a lot of different ways. A lot of the times I have to give people very specific advice as it relates to some kind of strategy, some kind of tactic, you know, something specific that they're not doing that makes a lot of sense to do.
Sometimes it's the introduction of a new funnel type or a new traffic source or just a new strategy on the channel that they're actively using now. A lot of the times after I give that advice, the following occurs. The person gets in their own way.
And that led me to the other half of what I regularly have to teach on, which is what we call get richer talks, which is what Pierre wanted me to do with you guys here today. So I want you guys to understand something before we even. dive into this.
Money is the most important thing because money represents the exchange that we share with one another. If I want to represent that you gave me a certain amount of value, I give you a certain amount of money. With that money, I can go and I can buy stuff.
Have you ever noticed every single thing, if you just look outside that window real quick, look at all that shit that's out there. There's not a thing that you can look at. You might actually think the trees Don't cost money.
Do you know how much a good tree costs? Anybody? I just bought a house.
It was a cat piss mansion is what I call it. The lady had five cats. The day I closed on it, you know what she told me?
There were five more cats that she fed that were wild ones that she kept outside. The whole place. Poor guy that sold it had dementia from, I assume, the cat piss.
I had to put a million dollars down in cash on cat piss mansion. I then had to literally bomb it. The inside is completely destroyed right now.
I had to put about 1 .5 million on top of that million in cash to be able to build two wings onto it. You know how much it costs for a tree? I just want a nice tree in my backyard.
I like trees. Anybody have a guess? I wish.
A good tree with about a 60 to 70 foot canopy, which would provide a good amount of shade for your backyard, like an oak tree or something like that. About 50 to 100 grand. mostly around a 75K average price for a tree, right?
So you look out there and you think, are the trees free? You know, I look at that little road right there. It's got like six palms on it.
You know how much a good, tall, mature palm costs? Anybody? I mean, fuck no.
I hope a palm tree doesn't cost 250 grand. Usually you can get a palm tree for maybe like 20 to 50K, depending on the type of palm tree. Trees ain't free, you know?
Does anybody live here in Florida? Raise your hand if you live here in Florida. I fucking hate the grass in Florida.
The grass is the worst. I was born and raised in Ohio. I like the grass up there.
I hate Ohio, but I like the grass. It's soft. You can lay on it and take a nap or something.
You know how much it's going to cost for about an acre of grass? Not shitty Bermuda grass either. Nice grass.
Anybody? You know, it depends if I used real grass or fake grass. Fake grass, if I wanted to do the entire yard, would actually cost me a little over $80 ,000 just in fake grass.
If I want real grass, probably close to about $130 ,000 for a nice grass. Do you want your kids to get raised on nice grass or shitty Florida grass? Do you want them to have a nice tree in the backyard to like shade the playground you're going to pay for with money?
Yeah. Talk about 100 grand for the tree.
You know, my wife, she got pregnant. And she has this thing in pregnancy. It's called HG.
I hope none of you have to deal with this with your wives one day. But it's like morning sickness, if you've ever heard of that in pregnancy. But all day long.
Poor girl's just sick. Literally all day. Has to take anti -nausea medication.
And it doesn't go away. With morning sickness, like regular sickness in pregnancy. It can take like a trimester, and usually they're fine after that.
This poor girl the entire time has just been sick. It's traumatized her to not want to have the other kids inside of her own belly. We plan on having five children.
Do you know how much it's going to cost me per kid to not have it in my wife's belly and have it in another woman's belly known as a surrogate? Anybody? About $180 ,000.
Per kid? Per kid. Now that's your reaction because I'm richer than you.
And I've gotten richer because I've recognized what I just articulated, which is this one area of my life that I just sat here and shared with you. Right? Just a tree is more than what some of you make in a month gross.
You ain't bigger than a tree right now.
Some of you ain't worth more than grass.
You want to have five children like me? Even if you have it out of your wife, it costs money. You ever hear a regular person say something like after they have their kid, they got hit with a hospital bill for like 20 -something beds?
Yeah. It's more cost effective. But nonetheless, you get to pick and choose some traits and characteristics if you have it in another woman instead.
I look forward to it.
That's one area. It's my family life. How you like your new office, Pierre?
Would you like a bigger one? How much did a bigger one cost?
Naturally. And what made the decision, Pierre? Yeah.
You know, if you look at your whole life, like what you wore today, how did you drive here? Did you get driven? How did you travel here?
Right? Where did you sleep last night? What did you sleep on?
What made all those decisions? Yeah.
Has anybody confused on that? What made those decisions? Let's hear it.
Now, everything that you do or that you don't do is 100 % 1 ,000%. Very clearly, undeniably, inarguably determined by money.
That's the first thing we got to know. We got to have a foundational belief system that doesn't allow us to lie about the reality that we participate in. We have to start there.
We have to first be extremely conclusive that we need a lot more money than what we likely think we do. And we need to be clear on that consistently. So we never find ourselves virtue signaling that it takes something else.
Do you understand that? Second part of what we got to do, we got to find something that allows us to make a lot more money than what we make now. That's known as the vehicle.
Why did I pick trying to get rich people richer?
Well, that's true. I believe that rich people are some of the most important people in the world. I believe that rich people are the person.
that can materialize things quickly. You know, I recently started a charitable foundation because I have enough money to. And when I got into that position, I asked myself what I wanted to do, how I wanted to help.
Now, I don't virtue signal about it. I fucking hate homeless people. They're my least favorite thing in this city.
So I want to help them so they get the fuck out of my reality. Right? Now, I don't say this disingenuously.
I mean it with my heart. You can help people while you technically don't want them to be around you. I'm determined to be able to get these homeless people as much help as they need to get the fuck away from my office in Wynwood and to get away from my neighborhood.
I want to help as much as I can to solve that problem. Do you know how much that'll cost?
Fuck if I know. I sure as hell haven't found out yet. I haven't solved the problem.
But I'll tell you this. I know with certainty that I care about that. And I know that other people care about that.
And I know that that can be a great way I help myself, my community, the people directly that need that help. I want you to understand this. What determines how much help I can provide is determined by what?
They told me recently they needed supplies to help them. with showering. Do you know how much about 50K worth of shower supplies get you?
It's a lot. They do about 3 ,200 showers a week at this one shelter. That apparently helps them for about three months.
It's kind of shocking to me. With 50K, I can only help 3 ,200 showers a week for less than a quarter. That's not a lot of time.
I clearly need a lot more money to solve my problem, don't I?
Every area shows me what I need to do. When I look at rich people and I think to myself, all right, why are we the most important people in the world? It's very simple.
We can make things happen quicker than other people. As you get richer, you'll notice life speeds up. By the word speeds up, I mean it very literally.
The thought to reality. compresses dramatically the richer you get and the more money you have. Life gets a hell of a lot funner.
The speed in which you can open and close a cycle is dramatically faster.
Now, I just celebrated this about two weeks ago. We hit a million a month in recurring revenue. About two weeks later, I hit 1 .1 million in recurring revenue.
For me to get paid that money recurring, do you know what that means?
Not even close.
It means, I want you to think of the multiple of value that I provide above the million a month I get paid. How much money do you think I make the people that I help based on what I get paid?
It's an unknown number. I don't know it. I just know that it's greater than what I get paid.
The more money I can make people, the richer I can get myself. That's the vehicle I chose. The level of problem that we can help people solve directly determines how rich we can get.
The more problems I can help people solve, the richer I could get. The bigger the problems that I can help people solve, the richer I can get. So to facilitate myself getting richer, it's not about thinking about the money.
It's about reminding myself how much more money I need. And that drives the amount of problems I solve and the size of the problems I solve for who I solve them for. I want you to think of that real quick.
Take a moment of reflection. Who do you help with what problems? Because sometimes that's the problem in and of itself.
You have a negligible impact on people. And therefore, you don't get paid well. When I went from about the revenue range that most of you here in this room were at to where I am today, it was a simple game.
It was about amplifying my ability to generate more impact on the people I was helping.
I didn't distract myself.
I didn't lie to myself along the way. When the painful lessons arrived, when the churn customers gave feedback, when the failures inevitably revealed themselves, you look at the raw pain of the feedback you receive and you do better afterwards. I gave a talk this morning to my, I have this offer, it's called Jeremy's Inner Circle.
And most of these guys are trying to hit a million a month and then three million a month and then five million a month. the richest of which does 12 million a month currently. That's our most rich member that we've got.
And I see a lot of patterns from above. You know, it's kind of like standing up here in this building. We get a view that people on the bottom floor don't have.
And we can see things that they literally can't see, right? I see a pattern from above amongst this group of people I help and try to help them get richer. And it's a sad pattern, to be honest with you.
It's a pattern of effort.
There's a percentile of these people that are either so inspired to do better or have their back so against the wall that it leads to the same outcome. They try super hard. And as a result of trying super hard, they get a lot better results than the other people.
who seemingly by direct comparison don't try at all. It's the most unfortunate pattern I've recognized to be rather direct with you.
A percentage of them at any given moment do their absolute best. And what I mean by absolute best is the most honest, truest, highest intent, highest effort version of us. I just ask a simple question of you while you sit here right now.
Are you genuinely trying as hard as you can?
Because the answer, based on this pattern I saw, realistically about 9 out of 10 of you aren't. When I look back at when I made your kind of money, I thought I was trying hard. I really did.
But I want you to understand one of the number one things. that I've learned that makes the biggest difference in people's impact on their journeys. It's the ability to stay in reality and get out of our heads.
You all actively have a story that you live through. I used to say half my job as a marketing agency is to provide results, the other half is to do something I called client narrative management. I'd lost deals before from a failure to maintain a frame that my clients thought through.
I could be getting them a 10 to 1 ROAS, and they might still fire me if I didn't manage the story that we were living through. And then as my education company evolved and grew in size, I noticed this trend held true there as well. Just yesterday, I had a guy sit down with me.
specific format I do on my YouTube channel. I call it a business breakdown. I have somebody come and sit down with me.
They usually make more than 200K a month at least. And I try to give them a plan of some kind to leave with and take action to try to get richer. And one of these guys, he was at 1 .4 mil a month.
And the second interview I did of the day, the guy was at about 150 to 180 a month.
Both of them had the same exact pattern. They were stuck. They hadn't grown for a bit of time.
And when I started digging into why, they had a tremendous story as to why. They had all these reasons they spun up. They had this whole narrative that they sat there and articulated to me.
And then my job from there was to try to poke holes in this story and see if the story and the reality were aligned with each other. And neither one of them were. The guy had the 150 to 180K a month.
You know what his problem was? He'd been stuck there for 16 months, he said. And I was like, what have you done to try to grow?
He didn't actually in reality try to do anything. He had a story about things he thought he was doing to grow. But when you judged his reality exclusively for whether reality agreed with him or not, he clearly wasn't.
Otherwise, he'd be getting reality -based feedback and outcomes, right?
The guy at 1 .4 mil a month, he had one funnel. It was a call funnel. He scaled the hell out of his business in Australia initially.
Now he's trying to crack the U .S. One of his funnels for his call funnel in Australia was a 2 .5x ROAS. His funnel for the United States was about a 1 point something.
Above a 1 .5, but below it too. I asked him, what are you doing to fix the funnel and get the ROAS better? He knew all the stats.
He could tell you everything that had happened to it. But I asked him, what are you doing in reality to improve the stats of the funnel? I got him on camera saying that it was a side piece for him.
that it's like a secondary thought in his day. He wasn't actually putting any time and attention, nor was anybody in his organization to improve in this thing. It was what, literally in his own words, he called it a side piece, like a second thought.
And I sat there and I'm like, you are both telling me you want to get richer. How often do you tell yourself you want to get richer?
Often or seldomly? Well, here's these guys claiming they want to get richer to the point where they show up for my YouTube episode to get a plan about how to get richer. And when you just audit what they're actually doing in reality, there's fuck all going on.
The guy doing 1 .4 mil a month, it's pretty funny. At the end of the episode, his face turned real red because he realized that I... Revealed a shocking truth for him that he didn't even realize was going on.
That's the scary part We become convinced we're doing better than we are All we have to do is judge reality If we're not getting the results in reality, are we doing the right thing?
Answer me if we are not getting the results we want In reality, are we doing the right thing? We can't be.
Reality is a very simple thing. It's a cause and effect relationship, is it not? Think about it.
You do something, it's like a ripple effect. You are the cause. You are what generates the effect.
Success in contraction, they're a lagging indicator. They never show up the next day, do they?
You guys ever seen somebody that gets addicted to meth and has like 40 mug shots? And you get to see the progression of the first time they got arrested to the last where they're all bugged out. Their face has like lesions.
They lost a dozen teeth. Their hair looks like a fucking dirty mop. You ever seen one of them?
It's a lagging indicator. That's how reality works. We could all smoke meth right now.
Are we going to look like that after the first hit? It's a lagging indicator.
So what we do today doesn't have an effect generally on today. It can have an effect on tomorrow or the next weeks or the next months. And when we sustain a particular behavior, right or wrong, expansion -oriented or contraction -oriented, what eventually shows up?
The results of our actions. The effect. I want you to remember, you are the cause, you generate the effect.
You judge your life and your progress based on the effect. You have to remember there's a delay between the cause and the effect. However, a sustained period of time, like the guy who sat next to me and has been stuck for 16 months, could he have found out sooner he was doing the wrong things?
Obviously, not that much time needs to pass to figure that one out.
Some of us are in a greater pursuit than others.
Some of us have grander ambitions than others. Some of us believe more in the vision than others.
Yet most of us are all human beings right now. There's no androids in here yet.
So that means we're also influenced by the people that we're with.
You've heard it many times. When you hang out with losers, you will become a loser. When you hang out with people that have grander ambitions, you will naturally have grander ambitions.
So we need to look at what's called our feedback mechanisms.
If we judge ourselves based on the effect, what would that mean the most important thing to optimize around is?
We need the effect across the board to represent a life that perpetuates us being a cause easily.
I don't want to sound pretentious when I say anything I'm about to describe. It is my reality, and I've worked hard for it.
Every time I wake up, I wake up next to a literal supermodel. She's carrying my baby right now. I live in a 12 ,000 square foot mansion.
I bought the house two houses down from the home that I currently live in now. It smelled like cat piss, so I demolished it, and I built a new house. I'm going to have five children.
I'm adding wings to the house to have enough rooms for the children. My driver picks me up every day to go to my office that's in Wynwood, Miami. I got into pinball recently and I bought $200 ,000 in pinball machines in under two weeks because I wanted to have more fun at the office and nobody was playing my arcade machines that I had bought.
When I travel, I fly private because I do not like flying commercial at all. I don't like TSA. I don't like the amount of people.
I like the status as well. When I check the time, it's always a watch that costs at least 60 -something thousand dollars or more. I like status as well.
When I go through my day -to -day, no matter where I look, no matter what I'm doing, there's an incredible external validation that perpetuates me being the cause. I get to be charitable now.
I get to consistently help others.
I love doing things like this. My entire reality for over a decade of being an entrepreneur officially mirrors back at me and tells me I've been doing the right thing over a broad period of time.
I've had periods in my life and in my entrepreneurial journey that have reflected the exact opposite. And I've made adjustments to get the life I have now.
What most people don't talk to you about is what's known as the cost of ownership. Who here has ever worked hard to acquire something and then you realized it has a cost to keep after you've acquired it? We cannot just work hard to acquire it.
We must work hard to own it as well. Has anybody in here done retirement math? Raise your hand if you have.
What a shame.
So all of you currently perpetuate your lifestyles on active income. Me as well.
Do you know what that means?
That means if your active income goes away, your life is over. And you go back to the trenches.
All this hard work for nothing. Do you know how much money you have to have, mathematically, to sustain the way you likely live now?
You know, I did the math when I was 24. Thank God I did.
I heard of this thing from some old folks called the 4 % rule. You ever heard of that? The 4 % rule says you essentially, let's use the example of equities like stocks, you should sell 4 % of what you make per year to live on.
That way, if as an example, the S &P 500 on averages gives about 10 % a year, your portfolio grows at 6 % to outpace inflation, to continue providing a better life for you the next year. But you at least get 4%. You get scraped off the top.
Let's just put this in perspective with simple math. Because I bet most of you, based on what you said you make, spend about this amount right now or wish you could. If you had a $100 million portfolio and it could only have 4 % a year that you get to take out of it, the first year that you get to take 4%, how much do you get to take?
Somebody say the number. Holy shit, we got to go back to school, guys. 4 % of 100 mils, $4 million.
$4 million, assuming that we accumulated that over a broad period of time, we currently have what's known as long -term capital gains taxes, which take off about 20 % of those dollars that we would sell. So that means that $4 million gets taxed at 20%. We're left with the difference.
Does that make sense? That's about three and some change. three and some change divided by 12, we'll call it about $300 ,000 a month.
Now, if you had that today, you'd have $300 ,000 in today's buying power. The Federal Reserve has historically had a 2 % inflation target. They have failed to meet it since COVID.
The average inflation per year has been far greater than that. it's realistically gonna settle around 5 % a year for the next several years in a row, if not longer.
That means that that purchasing power by the time that you actually accumulate $100 million and sold 4 % of it a year has far less than the purchasing power of $300 ,000 today.
You understand? No shit.
Do you know how much money we clearly need to make and invest? You know, I'm going to tell you something. So again, at 24, I did the math and I was like, fuck, that sounds crazy.
So I got to accumulate a hundred million and I got to accumulate it in equities.
How much do I need to do that? So I went to this website called investor .gov provided by the handy dandy United States government, specifically the SEC. calculator on there called the compound interest calculator it's a very simple tool you put in how much you're going to invest today you put in how much you're going to invest each month and you put in how long you're going to sustain that plan for with a particular interest rate that you generate anybody want to do the math i had to invest 200 000 a month for 20 years at a 10 % annualized return is what the math said.
That's $48 million in invested cash over 20 years to get to about $135 million.
Then I did different math. I was like, man, that sounds like shit.
So I did 300K a month for five years. That came out to about $22 .5 million. And if I didn't touch it and I didn't invest a dollar after that, I needed to wait about 15 years and it would turn into the same $135 million.
That sounded more realistic. I didn't have $300 ,000 at the time I came up with this plan at 24. But at 25, I had 200K that I was able to invest.
So my first year at 25, I start shoving 200K a month into the market. I hit the goal after that first year of just doing it for a year. Then I got the tax bill.
You want to know how much I paid in taxes that year?
I didn't have a tax man. I had a basic CPA and a basic bookkeeper.
It equated to about $80 ,000 a month worth of taxes to have invested that 200K a month.
Plus my income on top of that that I technically net, that was my first seven -figure tax bill.
So then I realized in my math the hard way, I was like, holy fuck. So if I'm going to invest this much, I also have to pay a fuckload on top of that in taxes.
Mission impossible.
That's how I felt at the time.
Ask me how it feels now. Small. Easy.
Feel very capable. I said, stay, I'm 32 now.
I invested 300K a month for most of that duration of time, give or take some occasional months where I whiffed.
I just got to wait.
You know how much in taxes I paid over that period of time?
It's a lot. Thankfully not eight figures. It was a lot.
Here's the moral of the story. It took a hell of a lot more work than I thought it would.
I find that nobody ever does the math.
And when I say the math, I brought up the initial example I've talked to you about here today. I said my home life.
That's one area.
And then we got the business math. And then we got the investment math. And then we got the personal fund money math.
Have you ever done the math on your life and what it's going to cost?
I bet you haven't. And that's why you stay smaller than you should be.
You know what happens when you do the math?
Take a guess at how you feel on the other side of it.
You know the feeling that you likely had when you were actually poor. It's like a little flame. You didn't realize it's an ember inside of you.
And it can be relit. You can make yourself feel poor at a million bucks a month.
You want to feel small and think big. It's the best strategic mental position to maintain.
The feeling of being small is the most important feeling we can maintain.
Otherwise you settle.
You want the raw truth of what you're all doing in the fewest words possible?
You're selfishly taking care of you right now while you are fucking the future you.
Feels good to travel, right? Yeah? Feels good to go to Chrome Hearts and ball out?
Buy a new watch.
Feels good to go to a restaurant and not have to look at the price, right?
Any of you flex first class on your way here today?
Feels good to be able to buy clothes that you want. Be able to buy food. Be able to get yourself an apartment or a place to live.
Congrats. You check the box on the most basic thing to accomplish when you're getting richer. Taking care of the current you.
Meanwhile, you're fucking yourself tomorrow.
You ever heard of an earning window?
You know what that is? An earning window, let's look at athletes as a good example of this. Everybody agree athletes have an expiration date?
Join into the league, play for a decade, maybe you get lucky like LeBron, you play for two decades. What happens after? The income goes like this.
How many times have you heard of athletes going broke?
Why did they go broke?
They did not recognize they had an earning window.
You know, I recently met a guy. His name's Paris. Paris is in the NFL.
Paris is a real cool guy. Young 20 -year -old. If I'm not mistaken, I think he gets almost $10 million a year in his latest contract.
Paris is an investor. He shovels money into venture capital funds. Has a financial advisor.
He'll do well long term.
He'll do good. I saw a clip recently of a basketball player who got paid upwards of $100 million in his contract who was trying to justify it wasn't a lot of money.
I don't know if he'll have as much hope.
You have to understand, everybody has an earning window. It's a period of time where your current skills are the most valuable they will be in your life. And over time, those skills diminish in their value.
Do you think copywriters are as valuable today as they were four or five years ago?
Do you think that copywriters would have known? that artificial intelligence would essentially replace them completely and the need for a business to hire them?
I haven't had a graphic designer that I've worked with in more than four years because of artificial intelligence and Canva. Do you think graphic designers knew that they had an earning window and were actively trying to milk the fuck out of their current skills before their current skills were no longer valuable?
Come to self -awareness with me real quick.
Back to this whole concept of are you trying that hard?
Does an earning window make you want to try harder? Does the math make you want to try harder?
You know, I remember one time I got the opportunity to meet One of my favorite speakers, his name's Ed Milet.
My first client ever hired Ed, come and do a talk at his event. And I'm talking to Ed backstage and I say, Ed, one of my favorite talks you've ever given is about being on your deathbed and getting to meet your fullest potential self. I resonated with that.
He described it as, one day you'll meet the biggest and best version of you that you could have been. And you'll be whatever version of you you are. Hopefully you evolve to be the same person and it feels like you're meeting a twin.
That'd be the most ideal scenario there in his words.
Sometimes it's ethereal shit like that that finally wakes you up and makes you actually try hard.
Here's my point. No matter which angle you take, Money matters the most.
You are significantly undervaluing how much money you actually need.
You are not maximizing the skills that you have right now.
You keep half -assing shit. You keep getting satisfied at the lowest checkbox on the list, which is just taking care of the present you.
You all claim you want to get richer, right?
I'd encourage you to stop comparing yourself to others and start comparing yourself to how you stack up against the math that must be achieved to live the way you actually want to live one day without having to work for active income. Does that make sense?
Your whole goal boys, it's very simple. It's literally one thing You are in what's called accumulation mode Accumulation is your sole prerogative with where you currently are in life you are attempting to generate and accumulate as Much cash as you possibly can Every dollar you invest today is the most valuable dollar you'll invest because of how compounding works.
You start investing five years from now, it is a substantially lower amount of return you will generate on those invested dollars compared to what you invest today and have put to work for you. Today's dollars matter the most to invest. Today's dollars matter the most to accumulate.
and put to work. Today you are your youngest self. Today you have your most energy.
Today you have the least of your responsibilities you will likely carry in your lifetime. You typically accumulate more responsibility, not less as you age. True?
I can't hear you. True? And yet you fuck off every day.
Are you an actor?
Who the fuck's watching your movie that you're pretending to play?
Who's patting you on the back for the half -ass effort you're putting in?
Because it sure as fuck ain't your future self. If you could pick up your phone right now and talk to future you, what would they tell you?
You have fuck all for assets. You've accumulated next to nothing. You spent it all on selfish bullshit.
And you haven't done the math on the whole point of the game you're playing. What's the whole point of the game?
You ain't here to just buy shit and get other people richer. You know, every time that I buy a piece of fucking leather for like 20 grand, I think of Bernard O 'Nalt. The second or third or sometimes first richest man on earth.
The guy who owns all of the Miami Design District. I don't look at it like I'm buying the leather. I look at it like I'm putting that money straight in Mr.
Bernard's pocket.
And taking it out of mine.
A dollar is a representation of the value that we have exchanged with others.
You must put your dollars to work better than you are now. You must learn to become a sophisticated gambler. The base level of the game is exchanging time for money.
The second level of the game is exchanging some kind of product for money or a service for money. The third level of the game is typically putting your money to work to amplify your money, to multiply your money, to compound your money.
Don't. forget that you are playing a game that has a specific set of outcomes, a specific set of rules, a specific way to actually win. And don't forget that you are not a special snowflake.
You can be just like every other athlete that made a fuckload of money and then went broke if you fuck this game up. Do you understand? Do you understand?
We are here to enjoy all of what we want to enjoy. To buy the stuff, to buy the status, to invest, to have beautiful, flourishing families, to have the best of the best.
All of what you want is possible if you don't fuck this up.
It's a simple question. From a perspective of 0 % to 100%, and without lying or bullshitting yourself, how hard you actually been trying?
Make the number known.
Compare yourself to it tomorrow.
I'm not my best self today, but I will be tomorrow, is the plague of regular men.
Do the math. What does your life cost? What does the life you want to have cost?
Make the number known. Compare today's revenue to the number you need. Make the number real.
That's all you do. You judge reality exclusively. You do not bullshit yourself.
You do not spin up a false narrative.
Don't get caught in your head. You judge the results of reality exclusively for whether you're doing the right or the wrong thing. Do you understand?
My job here today is simple.
To wake you the fuck up.
I just want to close with this, by the way, on a more happy note. It can be really fun as you do it, too.
It's a really great process. It's called self -actualization. You ever heard of that?
It's on Maslow's hierarchy. Look that up. It's the top of the pyramid.
After you get all the base needs of self -accomplished, the next thing is meeting the next best you and becoming it. Remember this. God gave you a mission that is greater than your current self can handle to be a better self.
You must build the better self every day to make this all real. You must actually try hard. And you must be consistent as you do it.
It's the funnest thing. You'll have a ball. You know when sadness creeps in, what it really is?
That anger.
It's just a version of you inside of yourself begging to come out.
And it ain't going to be hard to meet them. It's just a daily repetitive set of actions with honest, intentional effort to back it. You understand?
Give yourself a big round of applause.
The Hook
The bait, then the rug-pull.
The video opens on a line lifted from later in the talk, a direct challenge about who's actually watching the performance of effort you're putting on for yourself. Then it rewinds to the real start: Jeremy Haynes polling a room of business owners on their monthly revenue before spending 49 minutes making the case that almost none of them are trying, or thinking about money, as honestly as they believe.
Frameworks
Named ideas worth stealing.
27:25model
The 4% Rule
Estimate your target portfolio size
Withdraw about 4% of it per year to live on
Subtract long-term capital gains tax (roughly 20%) from that withdrawal
Adjust the remainder for real-world inflation to see true buying power
A retirement-math walkthrough showing that even a $100 million portfolio only nets about $300,000 a month in spendable income after tax, and that inflation quietly erodes that further.
Steal forany retirement or financial-independence content that needs a concrete, shocking worked example
44:36list
The 3 Levels of the Money Game
Level 1: exchange time for money
Level 2: exchange a product or service for money
Level 3: put money to work to compound itself
A simple ladder for where someone's income currently comes from, used to argue that most people never graduate past levels one and two.
Steal forany wealth-building or investing content explaining why earned income alone caps how rich someone gets
36:28concept
Earning Window
The idea that every skill or role has a limited period where it's worth the most, illustrated by athletes going broke post-retirement and creative professionals losing value to AI, used to argue for maximizing effort and income now.
Steal forany content urging urgency around monetizing a current skill before it depreciates
21:22concept
Cause and Effect / Lagging Indicator
The argument that your results are a delayed readout of your actions, not an instant one, so judging today's effort by today's results is a mistake, illustrated with a meth-addiction mugshot progression.
Add Modern Creator as a preferred source and Google shows you more of our breakdowns in Search, Top Stories, and AI Overviews. It only changes what you see, and you can undo it in your Google settings anytime.
Add to Preferred SourcesOpens your Google source preferences with us pre-loaded. Tick the box and you're done.
Jeremy Haynes breaks down what actually controls Meta ad targeting, why your pixel isn't as smart as you think it is, and the exact 'Thunderdome' testing system he uses to find the 1-3% of ads that truly scale.
A creator who says he nets seven figures a month explains why he built his content engine around revenue instead of views, and why one channel still does 90% of the work.
Nick Saraev answers five subscriber questions and shows off an AI animation tool he's building, arguing AI has erased the old line between technical and non-technical founders.
A 111-minute livestreamed podcast where a YouTube coach and his co-host lay out one repeatable system, mindset, packaging, then five ways to monetize, instead of algorithm hacks.
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