One about Charlie Munger, one about Taylor Swift, and one about a NASA astronaut who also starred (no pun intended) on the Big Bang Theory.
Charlie Munger’s Deathbed Regret
A few weeks before he died, Charlie Munger was asked if he had any regrets in life.
Only one, he replied.
“I would have paid any amount to catch a 200 pound tuna when I was younger. I never caught one,” he said in an interview with CNBC’s Becky Quick.
But at age 99, he didn’t have the youthful strength and vitality of a 96-year-old, he said.
“I am so old and weak compared to when I was 96 that I no longer want to catch a 200 pound tuna. It’s just too goddamn much work to get it in. Takes too much physical strength … Now if you give me the opportunity, I would just decline going after [the fish]. There are things you give up with time.”
Lessons:
At the end of your life, you don’t think about your net worth. (Charlie’s is estimated at $2.6 billion.) You think about experiences. Don’t trade the opportunity to enjoy experiences for the sake of clutching onto your cash.
If you’re under 96, stop complaining that you’re too old. The future version of yourself will regard your current age as young.
There’s no alternative but to act now. Opportunities are fleeting.
Munger also described fishing as a metaphor for investing:
“I have a friend who says the first rule of fishing is to fish where the fish are,” Munger said when he was 93. “The second rule of fishing is to never forget the first rule. We’ve gotten good at fishing where the fish are.”
Taylor Swift’s Windfall at Age 18
From TIME’s Person of the Year profile on Taylor Swift:
But some months later, at Swift’s 18th birthday party, she saw [Kenny] Chesney’s promoter. He handed her a card from Chesney that read, as Swift recalls, “I’m sorry that you couldn’t come on the tour, so I wanted to make it up to you.”
With the note was a check. “It was for more money than I’d ever seen in my life,” Swift says. “I was able to pay my band bonuses. I was able to pay for my tour buses. I was able to fuel my dreams.”
Most people, at 18, would spend that cash on a more comfortable lifestyle, or pay for college, or make market investments (stocks, crypto).
Instead, she invested in her fledgling music career. Tour buses.
Lesson:
The best investment is the one that you make in yourself.
In expanding your business or side hustle. In building your skills and smarts. In honing your craft. In strengthening your relationships. And even — dare I say — in your appearance.
No, the ROI can’t always be measured. I doubt anyone has plugged the cost of those tour buses into a spreadsheet and amortized those across her 15-year career.
But *YOU* are the investment with the strongest upside potential.
The Astronaut Who Almost Didn’t Make It
In this special Afford Anything podcast episode, former NASA astronaut Mike Massimino explains how YOU can take your own moonshot.
We met at a video studio in Brooklyn and spoke for hours about tenacity, drive, determination — and about sending the first tweet from space.
He described getting mocked by Seth Meyers on Saturday Night Live, joining the cast of the Big Bang Theory 💥, and how astronauts fart in space.
And he shared lessons that anyone can apply to their own life, as they chase dreams that society says aren’t “realistic.”
Are you longing for more beyond your current circumstances? To be more? To do more? To have more? Today’s guest, Dianna Kokoszka, helped countless Realtors become more while serving as the CEO of Keller Williams’ MAPS coaching program. And now, she’s striving to help more people, including listeners like you, reach their true potential. Listen and learn how Dianna took MAPS coaching from a program that was losing money to one that generated over $500 million per year by transforming real estate agents’ lives for the better. Dianna also shares several can’t-miss tips from her upcoming book, Becoming More: You Can’t Get to Better Until You Get to Different. Don’t miss it!
Listen to today’s show and learn:
Dianna Kokoszka’s first year in real estate: 104 homes sold [2:22]
The beginning of buyer’s agents [4:56]
How wrong things can go when you don’t watch your money [6:33]
Transforming KW MAPS Coaching into a $500 million business [8:42]
The power of the right mindset [9:52]
Advice on turning a failing business into a huge success [11:33]
Breaking out of your mental cage [15:00]
The difference between attitude and mindset [16:10]
The seven mindsets of limitation and the seven of liberation [17:22]
What dictates the decisions you make [19:38]
Bringing out the best in your people [23:51]
KW MAPS success stories [27:06]
The steps for scaling a real estate business [32:21]
Training your brain for success [37:21]
Learning from the leaders of thought [39:01]
What Blockbuster, RadioShack, and Sears taught us [40:43]
Get to better by getting to different [42:18]
Mentorship and adding value [42:35]
Where to find and follow Dianna Kokoszka [44:19]
Dianna Kokoszka
As CEO of Mega Achievement Productivity Systems (KW MAPS Coaching), Dianna Kokoszka was responsible for building the most powerful coaching and mastermind program in the industry. She led a team of more than 35 coaches, who provided coaching programs tailor-made to help their clients.
In 2009, Dianna created the BOLD (Business Objective: Life by Design) program, which instantly took hold and transformed the careers and beliefs about what was possible for thousands of real estate professionals.
Passionately committed to providing a high level of motivation and accountability to her clients, Dianna has over 30 years of real estate experience. Formerly as team leader of the Keller Williams Realty Denver-West Market Center, she pioneered documentation and accountability systems for real estate agents, helping others to draw upon her prior success as a mega agent.
Her entrepreneurial spirit and industry renown have resulted in many industry honors and awards, including the Stevie Award for the Best Sales Coaching Program; an appointment to the President of the United States’ Business Advisory Council; Denver Entrepreneur of the Year in 1984 and 1991; and Denver Businesswoman of the Year in 1986, 2003 and 2004.
Kokoszka’s tenacity and ingenious methods have not only brought her press coverage, they’ve brought her big business. She believes we are all creative, resourceful and whole. May we empower others to actively engage and participate in their own evolving transformations.
She is a founding member of the John Maxwell Team of Certified Coaches, an author of 19 system books for real estate offices, and loves to add value to others.
Dianna is the author to her new book Becoming More – published with the John Maxwell Publishing Company.
Despite her impressive achievements, Dianna believes that her greatest titles are wife, mother, and grandmother. She lives with her husband, Tony DiCello, on Lake Travis in Lakeway TX, where she loves to waterski or sit on the dock and read her Bible. She enjoys a good clean joke, traveling, reading, and spending her time with her 3 boys and 4 grandchildren.
Related Links and Resources:
It might go without saying, but I’m going to say it anyway: We really value listeners like you. We’re constantly working to improve the show, so why not leave us a review? If you love the content and can’t stand the thought of missing the nuggets our Rockstar guests share every week, please subscribe; it’ll get you instant access to our latest episodes and is the best way to support your favorite real estate podcast. Have questions? Suggestions? Want to say hi? Shoot me a message via Twitter, Instagram, Facebook, or Email.
Simplify lead generation and start closing more deals! Dan Gomer joins us on today’s Real Estate Rockstars to share how he went from struggling newbie to award-winning agent via simplification. Dan covers the simple sphere-marketing tactics that worked for him and explains exactly how to replicate his success. Shelby and Dan also discuss daily schedule, motivation, and having faith in the real estate processes that others have already proven to be effective.
Listen to today’s show and learn:
About Dan Gomer and his start in real estate [1:41]
The challenges of building a new real estate business [3:26]
What it took to finally achieve financial success [6:51]
Focusing on everything and accomplishing nothing [9:59]
Why Dan loves generating leads via networking [15:19]
Building relationships to build your business [17:43]
How to win over new real estate prospects [19:37]
To CRM, or not to CRM, that is the question [21:22]
Why you shouldn’t be a secret real estate agent [23:07]
How to stay in flow with your sphere [26:42]
Two simple ways to win deals from your SOI [27:57]
Identifying your “tokens” [31:03]
Tips and tricks for calling your sphere [32:55]
Dan’s daily schedule [40:03]
The people who support Dan’s business: his real estate team [42:23]
Simplifying strategies for more success [44:47]
What motivation really means and finding your why [47:50]
Where to find and follow Dan Gomer [50:46]
Dan Gomer
Dan Gomer is an educator, coach, and serial entrepreneur whose mission is to help people discover their own unique definition of success. Having spent many years merging a note-worthy career in education, with a success real estate business, Dan has a rare ability to help others shift their perspectives, align their profession with their purpose, and attain the fulfillment that comes with a purpose-driven lifestyle. His mantra is simple: He helps people clarify what they truly want, so that they can live in the serenity of their highest vision, for their lives.
Avoiding the mundane, Dan Gomer combines his tenacity for life, with a passion for education, achievement, and community involvement. His intrinsic leadership has been proven boundless. Currently, he is a co-leader of the Super Agents Collaborative and a team leader for Dan’s Home Team both based in Denver, Colorado with agents in multiple states. He has a goal of growing his real estate team to over 500 agents so he can continue to teach others how to be successful both personally and professionally.
Related Links and Resources:
It might go without saying, but I’m going to say it anyway: We really value listeners like you. We’re constantly working to improve the show, so why not leave us a review? If you love the content and can’t stand the thought of missing the nuggets our Rockstar guests share every week, please subscribe; it’ll get you instant access to our latest episodes and is the best way to support your favorite real estate podcast. Have questions? Suggestions? Want to say hi? Shoot me a message via Twitter, Instagram, Facebook, or Email.
“I got nothing to lose. If everything fails, I’m just going back to Chase or another bank and working as a credit analyst,” he said, recalling his thoughts at the time. “So, I applied for the mortgage company license. When all that stuff was done, we got the license approved. I worked out of my … [Read more…]
Inside: Your mindset is everything. With the right mindset in place, you’ll be able to take action and achieve your goals. Learn how.
It’s a cliche, but it’s also true. The only difference between the people who are successful and those that aren’t is their mindset.
Successful people think success-focused thoughts, which lead to fulfilling goals and achieving them in ways others never thought possible.
In order to change your life for good you first need to understand what makes up your own mental framework of success or failure. If you don’t take the time to uncover this, then you will be left stuck on the spinning wheel.
Success is a mindset.
If you are struggling to reach your goals, it’s time for an attitude adjustment.
In today’s society, we are fed a constant stream of bad news through the media and comparison traps – thanks to Facebook and Instagram.
But, you don’t have to let your mind wander down those paths. You can choose a growth mindset.
So, yes, mindset is everything.
In this article, we will show you how to drastically shift your mindset for success.
What is a mindset?
A mindset is a perspective on the world.
Our mindset is like a pair of glasses through which we see the world.
And just like with regular glasses, if the prescription is wrong then everything becomes blurry. If our mindset isn’t right, then we will struggle unnecessarily in life.
We need to be careful about who and what we let into our minds because they can greatly influence how we think and feel about ourselves and the world around us.
Pessimistic or Optimistic Mindset
Our mindset can be either pessimistic or optimistic and it will have an impact on us, often in negative ways.
For example, our mindset might make us more likely to give up when we face difficulty or it might make us more likely to take risks.
It is important to focus on what you want because that will allow you to find it in your life.
When we’re clear about what we want, our minds are open to finding solutions and opportunities that will help us get there.
Modern technology has shown that there’s no longer need for this negativity; however, our minds are wired to pick up negativity so it can be difficult to change our mindset
So, which mindset will you choose?
What is meant by mindset is everything?
When people talk about mindset being everything, they are referring to the idea that your mindset is what governs your life.
It is how you see yourself, your place in the world, and the world around you.
Types of Mindsets
If you have a negative or limiting mindset, it will be reflected in every area of your life.
But if you have a positive and growth-oriented mindset, you’ll find success in all areas of your life.
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Why is mindset important in life?
It is no secret that having a healthy mindset is important for living a happy and fulfilling life. What many people don’t know, however, is that your mindset is actually quite stubborn–but you can control it if you want to have a better life.
Understand the Importance of Mindset
The importance of mindset cannot be overstated; it is the basis of everything. Without a positive mindset, it’s impossible to achieve success or happiness in life.
So why is having the right mindset so important?
Because it can determine your life’s success or failure.
A positive mindset will help you achieve your goals and maintain a healthy lifestyle; while a negative mindset will lead to disastrous consequences. It’s clear that having the right frame of mind is essential for a happy and successful life.
Why is mindset so powerful?
There’s a reason why mindset is such an important concept: it has a powerful impact on how people think and feel about themselves and their surroundings.
If you have a growth mindset, you’re more likely to achieve success than if you have a fixed mindset.
Growth Mindset Examples
People with a growth mindset are always looking for ways to improve themselves and learn new things. They don’t see setbacks as permanent failures, but instead as opportunities to learn and grow.
A growth mindset is key to achieving success because it allows you to embrace change and persist through setbacks.
It helps us achieve our goals faster and with less frustration.
For example… Healthy mind = healthy lifestyle and success.
In order to have one, you must cultivate the other.
And this isn’t just some abstract idea–it has been proven time and again in studies all around the world. For example, consider the following statistics: a growth mindset is linked to higher test scores and overall well-being (source).
Growth Mindset Importance
That’s why it’s so important to cultivate a growth mindset.
A growth mindset allows you to learn from your mistakes and grow as a person. It is essential for success in life.
Fixed Mindset Examples
On the other hand, people with a fixed mindset believe that their abilities are set in stone and can’t be changed. They avoid challenges and give up easily when they encounter setbacks.
It’s impossible to reach your full potential with a fixed mindset, so make sure to start cultivating a growth mindset if you want to achieve great things in life!
When it comes to money, these money blocks stem from a fixed mindset.
The power of a positive mindset
When it comes to success, a positive mindset is key.
This was highlighted by Mark Cuban in an interview with Success Magazine he “sees our current moment as one giant opportunity.”
In order to achieve anything in life, you have to be willing to put in the work and face adversity head-on. And when things don’t go your way, you need to change your fear into motivation.
A positive mindset can lead to success because it allows individuals to see the best in themselves and others. It enables them to maintain a sense of hope during difficult times and remain focused on their goals despite any setbacks they may encounter along the way.
How to change your mindset for success?
Changing your mindset is one of the most important things you can do for yourself if you want to achieve success.
Your mindset will determine how you approach problems, how you deal with setbacks and failures, and how much effort you put into what you’re doing.
The steps in this process are meant to help you realize that what you’re doing is important to you, and once you have that realization it becomes easier to change your mindset and achieve success.
1. Look for Patterns
In order to change your mindset for success, you need to first identify the thinking pattern that you need to change.
This may be difficult if you’re not sure what you want to change. However, after identifying a pattern, changing it can be an important step for personal growth and success in life.
It is not always easy to change a mindset once it has been identified, but doing so is often crucial for personal growth and success.
2. Stay Motivated
Changing your mindset is not easy; it requires motivation and focus. In order to achieve anything, including changing your mindset, these qualities are necessary.
With the right tools and attitude, you can change your mindset and achieve success.
And while it may be hard work, it’s definitely worth the effort!
3. Face Your Fears
In order to change your mindset for success, you must first overcome your fears.
This may seem daunting, but it is a critical step in the process.
For many people (myself included), this will be the longest step to work through.
Once you have faced and conquered your fears, you will be able to move on to the next steps of changing your mindset and achieving success. Remember, it is not easy, but it is worth it!
4. Change Your Self Talk (and Those Around You)
A positive mindset is a key to success.
It’s important to start your day with positive self-talk and to keep a positive attitude throughout the day. This means talking to yourself in a way that encourages and supports you.
Thus, helping you stay motivated and focused on your goals.
This means changing your self-talk and mantra as often as you need to in order to stay motivated and on track. You should also be aware of your own personal triggers and work to change your mindset before these events occur.
It is important to be around people who have the same mindset as you if you want to change your mindset for success. This will help to reinforce your new beliefs and will keep you motivated. Additionally, it is helpful to engage in positive self-talk.
5. Plan of Action
Once you’ve identified a negative pattern of thinking, the next step is to make a plan of action. Changing your mindset is as important as taking action; in fact, they go hand-in-hand!
Just like any other goal that you might have in life–such as losing weight or learning a new skill–you’ll need persistence and motivation to see results.
Remember: if at first you don’t succeed…try again!
Changing your mindset can be challenging but with time and effort, it’s definitely possible.
So keep pushing forward until you reach your goals!
There are a number of books that focus on mindset and how to change it for success. The list below contains some of the best ones that I’ve found.
These books teach you to believe in your ability to shape your own destiny and achieve great things.
Remember you need these essential mindset books to help you change your perspective and achieve success. Remember, it’s not about avoiding or getting rid of obstacles, but turning them into advantages.
Embrace the challenges in life and continue moving forward!
Mindset is everything.
This is a simple but profound statement that has been discovered by Carol S. Dweck, Ph.D. She found that success in school, work, sports and almost every other area of human endeavor can be dramatically influenced by how we think about our talents and abilities.
The key to success is having the right mindset – a growth mindset.
In order to achieve success, you need to change your mindset.
This book will teach you how to change your mindset and get the most out of life and some colorful quotes that you will quote.
You will learn how to change what you don’t love, use external forces to kick some serious change in you and find your inner power. You will learn how to embrace your inner vibes.
Grit is a special blend of passion and persistence that is necessary for ultimate success. The combination of these two traits leads to long-term perseverance, which is essential for achieving any goal. While some may be born with natural talent, the true genius is in the unique combination of passion and long-term perseverance.
Grit is a book by Angela Duckworth that discusses the idea of tenacity and how it has changed many people’s lives for the better.
Duckworth herself was once a teacher, and she noticed that some students were able to achieve more success than others, even though they had no greater natural ability or talent. She began to research what made these successful students different, and she found that it was not IQ or talent but something called “grit” or perseverance.
Success books are usually called something along the lines of “How to achieve wealth and fame” or “The secret to success.”
However, there is one book in particular that has been name-dropped time and time again, Think and Grow Rich. This book is about how to become wealthy by using your mind.
It talks about the different mindset you need to have in order to be successful as well as the different habits you need to cultivate.
Self Motivation to Work on Your Attitude
A mindset is a collection of thoughts and beliefs that dictate how you see your life.
It usually takes time to develop, so it’s important to be patient and consistent when trying to change it. Remember that it’s not about changing your thoughts overnight, but gradually molding them until they reflect the life you want to live.
In fact, here are some money affirmations to start with.
People often give up on changing their mindset because it takes time and effort to shift one’s beliefs. However, a change in mindset is necessary for success. A positive attitude and the willingness to work hard will get you far, but it’s important to be patient and consistent in order to see real results.
In fact, mindset is a huge part of every billionaire morning routine!
Your mindset is incredibly important because it dictates how you live your life.
In conclusion, a growth mindset is essential for success in all areas of life.
With a growth mindset, we are more determined and persistent in our efforts to reach our goals. We also learn from our mistakes and setbacks, which allows us to improve faster.
Know someone else that needs this, too? Then, please share!!
When J.D. announced that this week would be Book Week at GRS, I was excited about a set deadline for tackling a book from my ever-growing reading list. Since micro-finance and micro-credit have been of interest to me for the past four years or so, I decided to read Banker to the Poor: Micro-Lending and The Battle Against World Poverty by Muhammad Yunus. (J.D. reviewed the same book in 2007. Read his take here.)
Nobel Peace Prize winner Yunus is the founder of Grameen Bank, an organization that helps the world’s poorest, especially women, escape poverty through micro-loans, which are small loans given to start a business.
Banker to the Poor chronicles Yunus’ journey from a “bird’s-eye-view economist, teaching elegant theories in a classroom, to a worm’s-eye-view practitioner” and the creation of Grameen, a bank owned by its poor borrowers that boasts a loan recovery rate of 97.29%.
Meeting Sufiya Begum In 1974, professor Yunus, then a Bangladeshi economist from Chittagong University, took his students on a field trip to a poor village. There they interviewed Sufiya Begum, a woman reluctant to talk to them due to the village’s strictly-observed custom of purdah, meaning curtain or veil, that virtually secludes Muslim women from the outside world. Eventually Sufiya came to the doorway and told Yunus and his students about the economics behind the bamboo stools she made. To make one stool, she had to buy 22 cents worth of bamboo with a loan from local moneylenders, who charged her 10% per week. Her net profit was just two cents per stool.
Barely able to feed herself and her family on two cents per day, Sufiya was essentially enslaved to the lenders. She couldn’t save money or invest in her business because she was barely able to eat. All for a lack of 22 cents.
Yunus was shocked to realize that if Sufiya just had access to a loan at a better rate, she could feed, clothe, and house her children and expand her business, raising her family above the poverty line.
The birth of Grameen Yunus collected data on the village to find out how many borrowers were dependent on the moneylenders, finding that 42 people borrowed a little less than $27. He loaned them the money. Yunus writes:
It struck me that what I had done was drastically insufficient…My response had been ad hoc and emotional. Now I needed to create an institutional answer that these people could rely on. What was required was an institution that would lend to those who had nothing.
Yunus fought through red tape from banking institutions, governments, and local customs. With great tenacity, he found a way around numerous roadblocks with a passionate devotion to the people he was serving.
In 1983, Yunus formed the Grameen Bank. Grameen now has 2,564 branches, with 19,800 staff serving 8.29 million borrowers in 81,367 villages. Despite the warnings from traditional bankers, 97% of the loans are paid back. Yunus wasn’t surprised by this, as he knew the poor, who had no cash cushion and no other options, would not blow their one chance to get out of poverty.
A focus on women From the start, Yunus wanted to focus granting loans to women, with a goal of having 50% of the borrowers be female. It was an uphill battle to say the least. Yunus had to fight against customs, religious zealots, and banking institutions that effectively excluded women (they could make deposits, but couldn’t get a loan without the presence of their husbands). From birth, these women are routinely told they are unwanted and should have been killed at birth or starved — that they are just another mouth to feed and dowry to pay.
Additionally, Yunus saw that starvation and poverty were more of a woman’s issue than a man’s. If one family member has to starve so that the others can eat, it’s an unwritten rule that it must be the mother. A man also can throw his wife out at any time, simply by repeating “I divorce thee” three times, leaving her unwanted in her parents’ home or begging on the streets. But when a woman is given the means to support herself, her success focuses on her children and household. Yunus writes:
Though they cannot read or write and have rarely been allowed to step out of their homes alone…they pay more attention, prepare their children to lead better lives, and are more consistent in their performance than men. When a destitute mother starts earning an income, her dreams of success invariably center around her children…When a destitute father earns extra income, he focuses more attention on himself. Thus money entering a household through a woman brings more benefits to the family as a whole.
It took six years to reach the goal of 50% female borrowers. Today women make up 97% of Grameen borrowers.
Grameen around the world As Grameen and its methods expanded, Yunus would constantly hear that micro-lending wouldn’t work in another village or country. But to Yunus, people who were poor — which he defined as not having access to shelter, clean water, and a constant supply of food — had a lot in common no matter the geography.
One of the most touching stories in Banker to the Poor was that of an impoverished 40-something woman who made quilts. Through an interpreter, she told Yunus she was initially afraid when a bank staff member came to see her. Her husband didn’t like her talking to outsiders or leaving her home without him.
Though the staff member told her about the women in Bangladesh who were changing their lives, and she wanted to be like them, things where she lived “were so rough.” She didn’t dare do this herself, saying, “My husband would kill me if I created trouble for him.” The staff member introduced her to other women in the neighborhood, and eventually they formed a group. (Group meetings were a requirement for a loan through the local micro-finance organization, which critics said made it too hard for the poor to borrow money.) The woman eventually took out a loan, quickly repaying it and applying for another. Her quilts are in such high demand, she can barely fill her orders.
This woman, who spoke only Spanish, lived in Chicago, Illinois.
She never thought she’d earn her own money, she told Yunus. In fact, she never thought she’d have any money at all, since her husband never gave her any. In the 15 years that she had lived in America, she didn’t even have a friend until meeting the four women in her group, who she came to regard as sisters.
Today Grameen methods are applied in projects in 58 countries.
The politics of micro-lending Grameen and micro-lending have been criticized by the Right and the Left, and it doesn’t seem to side with either, despite Yunus’ praise for Democratic politicians and criticisms of Republicans. Grameen supports smaller government and criticizes welfare programs that don’t allow people to break out of the poverty cycle — yet it’s committed to social objectives and social intervention in the form of policy packages (without government involvement).
No matter your politics, Banker to the Poor is an inspiring memoir that will give you a new understanding of poverty around the world, micro-lending, and socially-responsible enterprises.
Note: You can read more about Yunus at PBS The New Heroes, a series about 14 social entrepreneurs.
In todayâs competitive real estate markets, negotiation skills are absolutely essential. If your negotiation skills need work, you wonât want to miss this interview with 30 Under 30 honoree Joel Nath. Here, he shares several simple negotiation tactics that you can implement immediately. Plus, we discuss common mistakes agents make when writing offers, how to handle problems uncovered during inspection, and more. Tune in and discover what you can start doing right now to better serve your real estate clients.
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In this week’s installment of Get Rich Slowly Theater, we’re going to look at a real-life money boss: Earl Crawley, a parking attendant from Baltimore. Mr. Earl (as he’s known) was profiled on the PBS show MoneyTrack. Here’s a six-minute segment about this super saver:
Mr. Earl has worked as a parking attendant for 44 years — at the same parking lot! He’s never made more than $12 per hour. He’s never earned more than $20,000 in a year, yet he has a net worth over half a million dollars.