09/17/2026
Yesterday I got to do one of my favorite things I do all year.
I went back to Bridgewater College, where I graduated 11 years ago, and spoke to an entry-level business class about the financial services industry, my career, and some basic financial principles.
Every time I go back, I think about how much life can change in 10 years.
The students sitting in that room are about to enter real adulthood.
Real bills. Real careers. Real responsibilities. Eventually houses, spouses, kids, businesses and everything else that comes with it.
One of the biggest messages I try to leave them with is this:
"Use the season of life you're in"
I basically traded my 20s for security in my 30s.
That doesn't mean I never had fun.
It means I understood that I had a short window with few responsibilities, relatively low expenses and an almost unlimited ability to work.
So I used it.
My goal wasn't indulging at 25.
My goal was to build my business as big as I could before I had children and save and invest as much money as mathematically possible along the way.
We lived in an apartment.
Then we bought a starter home — and we're still in it.
I drove normal cars.
As my income went up, I tried hard not to let my lifestyle rise at the same speed.
And I worked. A lot.
Networking. Prospecting. Meetings. Learning the business. Building relationships. Investing. Grinding.
Eleven years later, the payoff isn't that I can buy more stuff (I can).
The payoff is margin!
I have a business I understand, a large network, financial reserves, investments and more than 150 families I've had the privilege of helping.
More importantly, my wife and child get a much different version of me than they would have gotten if I were still desperately trading time for money.
I can be home in the afternoon.
I can prioritize my health.
I can say no to things.
I can take business risks without wondering whether one bad month will wreck us financially.
That's what I want these students to understand.
Your 20s don't have to be a decade with little payoff.
They can be the decade you use to change the trajectory of the next 50 years.
Build skills.
Build relationships.
Keep your expenses reasonable.
Save money.
Invest early.
Work hard while you have the freedom to do it.
Maybe 10 years from now, someone sitting in that classroom yesterday will have built a business bigger than mine.
Maybe they'll be the one giving me advice.
I hope so.
That's why I love getting the opportunity to go back.