Build wealth without hating your life. In this guest appearance, Rick explains why the fastest path to real wealth for Gen Z and Millennials is starting something—a side business from 5 to 9—and using money to buy time and options, not just toys. We cover living within your means without living miserably, beating lifestyle creep, investing in human capital, and using a simple cash-flow system to enjoy life now without wrecking your future.

What you’ll learn

• Why “start something” beats waiting for the perfect idea

• The 5-to-9 strategy: keep your job, build your business after hours

• Freedom vs fortune: use money to buy options and time

• The simple budget that actually works: pay yourself first, spend the rest

• Lifestyle creep: how it sneaks up and how to stop it

• Human capital > index funds in your 20s and 30s

• Experiences over optics: return on life, not just return on investment

Credit: This conversation originally aired on Growing Money with Sean Trace. Big thanks to Sean for the invite.

THIS ONE IS A MUST LISTEN FOR ALL AGES!!

Healthy retirement is not just money and calendars. It is connection. In this conversation, Rick talks with Dr. Tina Schermer Sellers about sex, marriage, and why emotional and physical intimacy deserve attention long before you retire. They cover how couples lose connection over the years, practical ways to rebuild it, the health benefits of safe and loving touch, and how to communicate without turning every talk into a logistics meeting. There is also a simple framework you can use this week to start moving from roommates back to partners.

What you will learn

• Why sex and intimacy belong in your health and retirement plan

• How busy seasons turn marriages into logistics and how to reverse it

• A simple monthly rhythm to protect your relationship

• Health benefits of safe, loving touch and strong relationships

• A practical communication model you can use today

What happens when you finally sell the business you’ve built your whole life around?

In this episode, Rick sits down with Kyle Gabhart, author of Legends Don’t Retire and Neither Should You, to talk about life after the business, identity, purpose, succession planning, and how to build a company that thrives without you.

Whether you’re a small-business owner, entrepreneur, or advisor, this episode will help you think beyond the exit. You’ll learn how to separate your identity from your work, create systems that make your business more valuable, and find a second act that still fuels your drive, without burning you out.

Topics Covered:

• How to prepare emotionally and financially for life after business ownership

• Turning your company into a true asset, not just a job

• Designing a phased succession or “partial exit” strategy

• Creating liquidity before you sell

• Finding new purpose once you step back