Episode 136 – There’s a Simple Plan to $100M (Here It Is)

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Note: This blog post serves as an accompaniment to the corresponding podcast episode of A Changed Mind, where we’ll distill down the core ideas of this week’s theme, along with additional distinctions and insights. If you haven’t listened to the episode yet, you can go here to do so.  Enjoy.

What if I told you that becoming wealthy has almost nothing to do with your current job, your income, or even your debt—and everything to do with a single decision? That’s what I discovered in my own journey, moving from foreclosure and fear to generating more than $40 million in business and living a life I once thought was impossible. The turning point wasn’t a strategy, a connection, or a sudden windfall. It was the day I decided to be wealthy.

In this article, I want to walk you step by step through the same path I used so you can experience extraordinary wealth for yourself. Not someday—starting now. Because the truth is, you don’t have to know how you’ll get there in order to begin. You only need to decide.

The Power of a Decision

Every transformation begins with a decision. You don’t become healthy until you decide to. You don’t quit an addiction until you decide to. You don’t start a business, deepen your spirituality, or change your life until you decide to. Wealth is no different. Most people never decide to be rich—they wish, they want, they fantasize. But that’s not the same as decision. Decision is ownership. Decision is saying: This is who I am becoming.

Why don’t more people make that decision? Two reasons. First, we fear failure. We don’t want to announce our intentions only to fall short. Second, we think we need to know how before we decide. Both are illusions. Nobody who ever created something extraordinary knew the how before they started. Edison didn’t know how to make a light bulb until he decided to. Musk didn’t know how to build reusable rockets until he decided to. The founding fathers didn’t know how to win independence until they decided to.

When you decide, your brain changes. Studies show that imagining an act lights up the same parts of the brain as performing it. The moment you choose wealth, you begin building the neurology of a wealthy person. You start filtering reality differently. You notice opportunities you ignored before. You send a new signal into the field of life, and life begins to organize around your decision.

The Memory of the Future

This is why decision is so powerful: the brain literally records the future as if it has already happened. When you begin to imagine your wealthy life—the house, the freedom, the giving, the impact—you’re not fantasizing. You’re creating a memory your nervous system treats as real. And the more vividly you imagine, the more your body aligns with that reality. This is not daydreaming. It’s training your brain and body to inhabit wealth before it arrives.

Think about this: the wealthy version of you is already alive in the field of possibility. When you decide, you give yourself permission to meet that version of yourself now. You collapse the distance between where you are and who you are becoming.

Inherited Scarcity and Limiting Beliefs

If decision is the first step, resistance is what follows. Most of us carry inherited beliefs about money: “Money is scarce.” “It takes sacrifice to earn it.” “It’s for other people, not us.” These beliefs come from parents, culture, and early experiences. But they are not truth—they’re conditioning.

Here’s a simple exercise: complete the sentence, When I was growing up, money was __. Most people answer “scarce.” No wonder they carry that scarcity into adulthood. But look at the reality: money is not scarce. There is more money in circulation than ever before. More currencies, more forms of exchange, more business opportunities. Scarcity is a perspective, not a fact. And when you believe money is scarce, your brain filters out possibilities that contradict that belief. Decide otherwise, and new paths open.

I had to confront this in my own life. I grew up absorbing the belief that money was always running out. That belief showed up in my twenties when I carried financial insecurity like a backpack everywhere I went. Even when I had enough to pay my bills, my mind whispered: “What if it disappears tomorrow?” That belief made me obey fear, not vision. And as long as I obeyed fear, my reality reflected it back.

Money Flows Toward Creation, Not Crisis

Money is energy, and energy flows toward expansion. The very word “currency” comes from current. Creation attracts money. Crisis repels it. This is why trying to get money to solve financial insecurity rarely works. You don’t attract wealth by begging for rescue. You attract it by painting a vision of an expansive life and aligning with that.

Think of it this way: money doesn’t come to bail you out—it comes to fund your becoming. When I shifted from “I need money to fix this mess” to “I need money to build the life God put in my heart,” everything changed. Checks started arriving. Ideas flowed. Partnerships appeared. Money was magnetized to purpose, not panic.

Take time to define your wealthy life. Not in vague terms, but in detail. Where are you living? What are you creating? Who are you giving to? What does freedom look like for you? When you put money in service of that vision, you give it a purpose. And money loves purpose.

Living in Anticipation

Once you’ve decided and clarified your vision, the next step isn’t frantic action—it’s anticipation. Live your current life as the wealthy version of you. Stay alert for ideas, invitations, coincidences, and opportunities. They will come. Your job is not to hunt them down but to recognize them when they appear.

I’ve seen this again and again. Years ago, I decided I would generate an extra $60,000 by year’s end. I didn’t know how. But within weeks, I was invited into a business deal that delivered exactly that amount. Not because I forced it, but because I decided, anticipated, and said yes when the opportunity came.

Living in anticipation is like living with open hands instead of clenched fists. You trust that what you need is on its way. You’re not passive—you’re attentive. You don’t strain; you stay ready. The wealthy version of you is relaxed enough to notice opportunity when it knocks.

Contraction and Expansion

Wealth is not linear. Life expands and contracts. Businesses grow, then prune. Investments rise, then dip. Contractions are not failures—they are preparation for the next expansion. I’ve lived through seasons where our business contracted sharply. Fear tempted me to panic, but in hindsight I see that what died needed to die so something greater could grow.

In 2021, after scaling our business to more than $25 million, we hit a contraction. Algorithms shifted. Ads slowed. Revenue dipped. It felt terrifying at first. But that season pruned away what wasn’t working and made space for new strategies. When expansion came again, it was stronger and healthier. Contractions don’t mean the dream is over—they mean a new chapter is being written.

Focus and the 80/20 Rule

As wealth builds, ideas multiply. Not every idea deserves action. Keep your focus on the core vision and allow 20% of your energy to explore new possibilities. Let ideas orbit around you until it becomes clear which ones are worth pursuing. Wealth is built through focus, not distraction.

I used to chase every shiny idea that crossed my mind. Most fizzled out. The ones that flourished were those I gave consistent, focused attention to. The oak tree of wealth grows when you water it daily. Other seeds can wait their turn. Discipline is not limitation—it’s acceleration.

Maintaining an Abundance Mindset

No matter how much wealth you create, fear will try to sneak back in. The bigger the game, the bigger the temptations toward insecurity. I know people with millions who still panic in downturns. That’s why maintaining an abundance mindset is non-negotiable. It’s the anchor that keeps you steady in storms.

Abundance mindset means remembering: I have enough. I am enough. And more is always flowing. It means returning to the decision: I am wealthy, not someday but now. It means rehearsing gratitude daily, noticing the provision already present, and refusing to let fear dictate decisions.

The $100 Million Map

So where does this all lead? Recently, a friend shared with me a simple plan: invest consistently in the S&P 500. Historically, it averages about a 9.5% return. If you were to invest $18,000 a month for 40 years, you’d accumulate $100 million. Adjust the numbers to your situation—maybe it’s less per month, maybe fewer years. The principle is consistency and compounding.

This blew my mind. Because it showed me that wealth at this level isn’t fantasy—it’s math. It’s alignment plus discipline. Even if you can’t start at that level today, you can grow into it. And as your wealth multiplies through businesses, investments, and opportunities, this plan ensures you’re building a legacy that lasts generations.

You might be thinking, Forty years is too long. But think of what’s possible along the way. Even after 10 or 20 years of consistent investing, you’ll have wealth beyond what most people ever imagine. And that wealth won’t just serve you—it will serve your children, your grandchildren, and causes that matter long after you’re gone.

Exercises to Align With Wealth

To make this practical, here are a few exercises:

1. Decision Declaration. Write in your journal: I have decided to be wealthy. Repeat it until your body feels the truth of it. 
2. Vision Mapping. Create a vivid description of your life three years from now as the wealthy version of you. Be specific. 
3. Belief Audit. Write down every limiting belief you have about money. Challenge each one. Ask, Is this absolutely true? Replace it with a new decision. 
4. Anticipation Practice. Each morning, say: I live in anticipation today. I am alert to opportunities and nudges. Notice what shows up. 
5. Gratitude Ledger. Each evening, list the ways provision showed up that day—expected and unexpected. Gratitude multiplies provision. 

Decide Today

Wealth doesn’t begin with income. It doesn’t begin with opportunity. It begins with decision. Decide today: I am becoming wealthy. Let that decision rewire your brain, reshape your reality, and align your life with abundance. Trust the nudges. Stay alert to opportunity. Give money a purpose. Ride the waves of contraction and expansion without fear. Focus your energy. And watch as the current of creation carries you into a life beyond anything you once thought possible.

The life you long for isn’t waiting on the economy, your boss, or your circumstances. It’s waiting on your decision. Make it today—and begin to live as the wealthy version of you. And one day, as you look back, you’ll see that it all began with a moment when you stopped wishing, stopped waiting, and simply decided.