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Most people think saving more is the key to retiring early. They’re wrong. The real secret is a simple money rule I ignored for years—until a wealthy mentor showed me how to fix it. If you want financial freedom, you need to weaponize your spending, not just your savings. In this video, I break down the exact steps I learned too late: Why high earnings alone won’t make you rich The 10% Freedom Tax to pay your future self first How to turn expenses into income-generating assets The 3-Year Test to avoid wasting money on short-term luxuries I retired later than I could have because I missed this rule. Don’t make the same mistake. Chapters: 00:00 My Failed Retirement Plan at 40 01:07 The Shocking Truth About My Earnings 02:30 The Life-Changing Secret from a Mentor 04:25 Why School and Hard Work Aren’t Enough 05:55 The Simple Money Rule You’re Missing 06:45 Step 1: The 10% Freedom Tax 10:42 Step 2: The Expense-to-Asset Swap 15:00 Seed vs. Bread: A Biblical Money Principle 17:07 Why Nigerian Youth Are Getting It Wrong 20:44 Step 3: The 3-Year Test for Every Purchase 23:13 My Results After Applying the Rule 24:12 Join the Financial Fitness Challenge 26:16 Closing: Take Action Now 🔔 Subscribe for more strategies on building wealth, making money online, and achieving financial freedom. Want to learn the fastest way to apply these lessons? Join my Mentorship Group - The Financial Fitness Challenge™ (Whatsapp +2348088001000 for Enrollment details)