Phillip is 41 years old (a public safety worker in Utah) and a father of eight. For most of his life, he thought his pension would be enough to carry him through retirement. But when he looked closer, he realized it wouldn’t buy him the kind of life he wanted.That wake up call pushed him to start investing from scratch, while still carrying $10,000 in credit card debt.In this episode, Phillip shares how he went from feeling lost and stressed to building an investing system that works:Why “playing it safe” with only a pension isn’t safe at allHis early mistakes with forex, crypto, and random stock picksThe mindset shift that helped him see money as a toolHow he paid off debt and stacked nearly $10,000 in VOO within eight monthsWhy market dips don’t scare him anymoreThis conversation is proof that it’s never too late to start stacking assets. Phillip’s story shows what happens when you stop gambling, block out the noise, and commit to a system.Listen now and let his journey remind you: the best day to start was yesterday. The second best is today.What did you think of the episode? Let us know!Support the show

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