From 80K in Debt to Millionaire in 3 Years…Here’s What I Did.

I went from $80,000 in debt to a million dollar net worth in 3 years.

Money didn’t solve all my problems, but it did solve all my money problems.

Here’s how I did it.

Chapters:
0:00 – Intro
1:28 – That Which We Can Be, We Must Be
2:38 – Part One: Personal Development Is Your Most Important Job
3:53 – Mindset
5:26 – Health
6:14 – Wealth
6:55 – Skills
9:29 – Part Two: Park Your Ego At The Door (Cut Expenses Ruthlessly)
10:20 – Part Three: Build A Business
11:54 – Part Four: Investing Everything

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WHO AM I:
I’m Anthony, a best-selling author of a dozen books, a serial entrpreneur with multiple 7- and 8- figure business, and a real estate investor with a $70M portfolio. Most important of all, I figured out how to turn my ADHD into a superpower and now I’m on a mission to help people go Beyond the Apex and maximize their Return on Life. I write a weekly newsletter that contains some quick thoughts + links to interesting things that have helped me build better businesses, buy more real estate, and become more productive (https://www.anthonyvicino.com/newsletter)

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Thanks so much for being here!

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Foreign [Music] Years ago I got a call that changed my Life it was from a fiance who was back Home visiting family for the weekend and She said something that absolutely Sideswiped me and she said this isn't Working for me I don't want to do this Anymore And the next thing I know a week later And I'm living in the back of a 15 Passenger van that I bought from an old Church because I'm 80 000 in debt I have No money in the bank and I can't afford To live anywhere else so I parked that Van in the back of a Climbing gym and I Run a power cord into the building and That was my home for the next four Months as I tried to figure out where Everything had gone so wrong That was easily the lowest I've ever Felt I was embarrassed ashamed and Truthfully afraid Afraid because I knew I was capable of More and that if I kept on the same path I was going to end up a sad bitter and Regretful old man now Maslow is a Psychologist who's probably best known For his hierarchy of needs which simply Says humans are motivated by five basic Categories of needs we have our Physiological needs our safety our love Our self-esteem and our Self-actualization and you're probably

Familiar with this Theory but Maslow Said something else that you may not Have heard before I hadn't but when I Did it really changed how I viewed Myself in the decisions I was making in My life he said this that which we can Be we must be it's a simple sentence but What does it really mean Well to me at that moment in my life Living in the back of the van it meant That we all feel we have the potential For greatness after all nobody thinks They're average you're probably an above Average driver right and uh an above Average lover and above average Intelligence Now obviously this can't all be true we Can't all be above average and yet I do Believe that each of us possesses the Potential for greatness For me in the back of that van I didn't Feel great but I believed perhaps even Delusionally that I had the potential For greatness And so from That Rock Bottom place where I had literally nothing else to lose I Went on a search a quest To find my greatness In this video I'm going to share exactly How I tapped into it I got out of that Van and ultimately how I went from being Eighty thousand dollars in debt to a Millionaire in only three years [Music]

So number one I treated personal Development as though it was my most Important job Now for the past couple years leading up To that point I'd been a professional Rock climber which sounds really cool But just means I made barely any money And spent all my time sleeping in the Dirt and climbing on rocks in the World Of Sports it's easy to see that your Body is your product if you don't take Care of it it's not going to perform how You want it to And so maximizing my performance Depended on how I treated my body how Seriously I took my rest in recovery and Nutrition and all the little things that Eventually add up to become really big Things And so step one in turning my life Around was to take that same level of Obsession and apply it to all parts of My life Okay full disclosure it really wasn't All parts of my life I'm pretty lazy so I don't like working any harder than is Strictly necessary so I asked myself What are the minimum number of levers I Have to pull to get the maximum effect Because I didn't want to be busy I Wanted to be effective and so I looked For similarities in all the feedback I Was getting from mentors and the Research I was collecting and you know

What I found that there were really only Four levers I needed to pull and I Called them my four spheres of influence Those fears were mindset health wealth And skills So let's break them down first it all Starts with mindset your mindset is the Lens through which you see the world if That lens is broken or scuzzy then it's Going to affect how you see and Ultimately move through the world so the Clearer your mindset the more clearly You'll triangulate your targets avoid Obstacles and move directly towards your Goals Now one book in particular was Transformative for me it was meditations By Marcus Aurelius This book was the personal Journal of The emperor of the known world as he Wrestled with all the same questions we Still wrestle with hundreds of years Later What's the meaning of life what's it Mean to live a good life who am I why do I matter this book gave me a framework For moving through the world in a Perspective that oriented me towards the Aspects of life that truly matter namely The process and not the results See one of the recurring themes of the Stoics is that life's short and we're All gonna die and because of that every Moment is precious and so you've got to

Make the most of it but also you've got To realize that none of this matters and So don't take any of it too seriously The more Poise you can bring to your Life the less you ride the highs and the Lows ultimately the less you'll suffer Now I'm not a fan of suffering so this Seemed like a pretty good deal to me so I focused on that getting caught up in Life's roller coaster which freed me to Really focus in on performing in the Moment because in the end this moment And what you do with it is all that Matters the second sphere of influence Was health and because of my background As a rock climber I had this sphere Unlock but for most people this is the Easiest place to start and the one That'll pay the biggest dividends Seneca Said another stoic philosopher the Healthy man wants a thousand things the Sick man wants but one If you don't have your wealth then what Do you really have regardless of where You are on your health Journey here are The three areas to focus on to get the Maximum effect exercise nutrition sleep It's pretty straightforward get up and Move your body for at least 30 minutes a Day pay attention to what you're putting Into your body because a software Engineer say if you put in junk you'll Get junk out and get plenty of sleep Seriously you spend a quarter of your

Life sleeping so it's well worth Figuring out how to get this part dialed In now the third sphere of influence was By far my weakest wealth If you're like me you didn't grow up in A family that talked about finances and It wasn't something they taught in School before we returned to Maslow's Hierarchy of needs we realized that Before we can worry about Self-actualization we have to worry About solving for our physical and Shelter needs and so for me at that Point in my life I recognized solving For this sphere would have the biggest Influence as they say money doesn't Solve all your problems but it does Solve all your money problems and I had A lot of money problems So I set out to learn the rules of the Money game because that's exactly what It is it's a game and anybody can win if They know how to play Now the fourth sphere of influence were My skills the skills are probably the Most valuable investment you can make Because once acquired they continue Paying dividends for the rest of your Life The trick then is to figure out what are The most beneficial skills to acquire Now Elon Musk says you're paid in Proportion to the magnitude of the Problems that you solve and as I

Inventored my skills I realized I had a Great Baseline of skills in a lot of Areas but none were particularly Valuable So I started asking around talking to Pretty much every successful person I Could find and I tried to figure out What were the most valuable skills I Needed to develop Here are just two of those skills I Realized I needed to work on personally First the skill of discipline or rather The ability to hold myself accountable And actually do the things I said I Would number two was communication your Ability to communicate with the world Whether it's through the spoken word on A YouTube video or in a one-on-one Conversation with a friend through body Language or through the written word We're constantly communicating with the World but often not very well I quickly Came to realize that if you want to have Maximum Impact or influence on the world You have to be able to communicate Effectively now we're going to do Another video diving to all the most High value skills that I think you need To hone to become a millionaire things Like marketing branding product design Psychology Finance investing business All of it for now just start by Assessing your current skills create a List of all your skills the things that

You are the best at in the world and Then create another list imagining all The skills your future millionaire self Possesses what skills does that person Have And I'll write them out You have a map for getting from where You are right now to where you want to Be and all you have to do is focus every Single day on becoming marginally better At one of those skills and in three five Ten years you're going to be Unrecognizably better this is what it Means to focus on the process on the Things within your control and not the Result now before we move on to the Second thing that I did to get from 80 000 in debt to a millionaire let's Quickly talk about coaching a great Coach can help you compress Decades of Learning into days I'm a big fan of Coaching but in the beginning if you Don't have a bunch of money to spend Focus on the free resources like YouTube And Google when you're finally ready to Hire a coach check out this video on Lessons I've personally learned spending Hundreds of thousands of dollars on Coaching in the last couple years Because trust me you're not going to Want to make some of these mistakes so Here's the second thing I did to become A millionaire in three years is I parked My ego at the door

And I cut expenses ruthlessly in the Beginning I had very little income I Worked around the clock on acquiring Skills that would make me more valuable To the world but that doesn't happen Overnight in the meantime the only thing I could really control were my expenses So I lived in that van for four months And then I moved in with my best Friend's mom which for the record is Really no different than living with Your own mom not a good look for a 30 Year old man a lot of people gave me Crap for my living Arrangement but I Didn't care because I knew it was the Price I had to pay to buy the life I so Desperately wanted and as they say you Can have anything in life but you can't Have everything so figure out what it is You want what's it cost and then pay That price and don't look back just park The ego at the door and keep moving Forward now the third thing I did to Transform my life is where the rubber Really meets the road I started seeing Actual progress I built a business why And because every person I looked up to Charlie Munger Felix Dennis Elon Musk They all said to get wealthy you have to Find a way to stop trading your time for Money and the best way to do that is by Owning a business a quick side note Growing up I was never very Entrepreneurial I never had a lemonade

Stand I never pluck flowers from the Neighbor and sold it back to them in all My research I kept hearing how important It was to disconnect the inputs of my Time in exchange for the output of money So I grabbed a couple hundred dollars Worth of cleaning supplies and I started Washing windows and then I hired a guy To wash the windows for me while I Handled the marketing and the cold Calling and then I hired a guy to do That for me and pretty soon I had a nice Little cash generating business and I Had this epiphany I love business it was liberating and Challenging but most of all it gave me a Sense of purpose and also the means for Changing the trajectory of my life But making a bunch of money wasn't Enough in and of itself to get me to Where I wanted to be which was a place Of complete Financial Freedom and see This is where most people go off the Track they start making good money but Just as quickly as it comes in the door It goes back out it's called lifestyle Creep suddenly you can afford that new Car that new apartment that knew Everything and so you go buy it Don't fall into this trap to truly build Wealth you have to move on to the fourth And final step which got me from 80 000 In debt to a million in three years You have to invest everything you

Possibly can now there are all sorts of Fantastic investment vehicles but Honestly investing can feel pretty Overwhelming for most people and Something that most of us didn't learn Growing up and because it's so important We're afraid we'll make a mistake and so We Outsource it to a financial advisor Or a stock broker but this is wrong if You want to win the money game you have To know the rules you can't rely on Somebody else just telling you what to Do so I dove in I researched everything Under the sun stocks bonds crypto and Yes real estate for me I started Investing with multi-family real estate A triplex in particular which I bought For 246 500 and now here a decade later My portfolio has grown to around 70 Million but it didn't just jump there Overnight it was a small process of Consistently reinvesting everything I Was making in my businesses started Small you know by treating personal Development as my number one job by Parking my ego at the door building Those businesses making it my my Everything and then reinvesting every Penny back into investment opportunities Into assets and getting the benefits of Compounding interest And that's it that's seriously just how I got from being eighty thousand dollars In debt to three years later being a

Millionaire It is that simple it's not that easy but If I can do it and so can you [Music]