What if you discovered mathematical proof that the financial system is designed to keep you trapped? Today, Donny sits down with his mentor George Antone—author of The Wealthy Code, The Banker's Code, and founder of Fynanc Academy—to reveal the hidden formula he found in financial software that proves most people will never reach their financial goals.

This isn't conspiracy theory. It's mathematics.

In this episode, you'll discover:

• The Break-Even Formula - How George found source code at Intuit in the late 1990s that mathematically proves the system creates struggle for most while guaranteeing success for a few. Once you see it, you can't unsee it.
• Asset First vs. Finance First - Why asking "What should I invest in?" keeps you trapped. The wealthy start with financing strategy and match it to assets in the right sequence—not the other way around.
• You Cannot Invest Out of a Capital Problem - If you only have $10,000, it doesn't matter where you put it—you don't have enough money. The solution: grow your capital BEFORE you invest it.
• The Two Hidden Games - Everyone plays the game designed to keep you conventional. Banks and wealthy families play a different game with easier rules. You're a fish that doesn't know it's in water.
• Why Sequence Destroys Wealth - Putting money into illiquid assets first (like real estate) traps your capital and kills velocity. Order matters more than returns.

The Mansion or Mirage Game:

• Paying off mortgage fast? "Worst thing when building wealth"
• Gold as inflation hedge? "Maintains purchasing power but doesn't build wealth"
• You need money to make money? "Yes—but not YOUR money"

The One Mental Shift: Recognize there's a hidden world—a different game the wealthy play. As long as you're asking "What asset will make me rich?" you're asking the wrong questions.

Key Quote: "The problem isn't a product. It's a process. The process is the asset—not the ETF, not the property. That's what people aren't getting."

Connect with George: Fynanc.com | Read "The Wealthy Code"

Hosted on Acast. See acast.com/privacy for more information.

What if the real problem isn't that you spend too much—it's that you're spending wrong? Today, Donny reveals how to enjoy life today while building wealth for tomorrow, without guilt or sacrifice. This isn't theory—his 15-year-old daughter Mia just used this strategy to pay for her $3,000 volleyball camp while her savings actually grew.

In this episode, you'll discover:

• The Zero Problem - Savers: Save → Spend → Zero. Borrowers: Spend → Pay back → Zero. Both strategies leave you stuck. You can't build wealth from zero.
• The Balance Equation - Do something good (build wealth) before something bad (spend wealth). Apply the same logic you use with your kids: vegetables before ice cream.
• The Three-Step Strategy:

1. Put $10,000 into your Money Mansion (guaranteed growth)
2. Borrow $10,000 against that asset
3. Spend borrowed money, pay it back monthly. Result: Your money compounds forever while you enjoy life now

• Why Interest Is The "Cost of Balance" - Your Money Mansion grows exponentially (compound interest). Your loan shrinks linearly (simple interest, decreasing principal). You win every time.
• The Mia Transformation - At 15, she understands compound interest and inflation better than most adults. She paid for volleyball camp without touching her savings—which grew. She'll use this strategy for life.

Key Mindset Shift: Stop choosing between "enjoy today" or "save for tomorrow." Balanced spending solves both simultaneously.

The Reality: You have an expense coming. Continue the unbalanced approach (spend and hit zero) or adopt balance (build first, spend second with borrowed money). The small interest cost eliminates the zero problem forever.

Key Quote: "Don't spend to get by. Spend to get ahead. Once you learn to spend and get richer, you'll never be at zero again."

Hosted on Acast. See acast.com/privacy for more information.

What happens when you grow up in real estate royalty but refuse to follow the conventional playbook? Shae Invidiata—16-year real estate veteran, TEDx speaker, and member of a family that’s been #1 in the world multiple times—reveals her most controversial wealth-building insights.

Her opening confession? “Knowing what I know now, I would not have purchased my first property for myself.”

In this episode, you’ll discover:

• The “Buy Your Second Property First” Strategy - Why your first real estate purchase should be a multiplex that generates income, not a home you live in
• Why Universities Are Dying - Shae’s bold prediction that traditional education will be obsolete within two years thanks to AI, and why she won’t contribute to an RESP for her daughter
• The RRSP Truth Bomb - Why government savings programs are designed for the working class while insurance products protect the wealthy elite
• Multi-Generational Wealth - How Shae just secured a $7.3 million tax-free policy for her 10-month-old daughter Koa—that will pass to Koa’s future children

The Mansion or Mirage Game:

• Maxing out your RRSP?
• Paying off your mortgage fast?
• Real estate always appreciates?

Key Quote: “You cannot save your way into prosperity anymore. That was a strategy in the ’40s, ’50s, and ’60s. It does not work today.”

Shae grew up watching abundance but learned early that wealth requires thinking differently than everyone else. This conversation challenges everything about traditional financial advice—from education savings to real estate strategy to building legacy wealth.

Connect with Shae: @shaeinvidiata on all socials | Podcast: “The Wellthy CEO” (Tuesdays)

Hosted on Acast. See acast.com/privacy for more information.