How To Become A Millionaire Before Turning 40

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To become a millionaire before the age of 40 takes incredible discipline, proper planning, and wise money choices.

April Stewart of AprilTheMoneyCoach.com joins me on the podcast to share how she became a millionaire before turning 40 years old.

April found herself deep in consumer debt shortly after college, but didn’t let that stop her.

Listen in as she shares not just how she became debt-free, but how those habits helped her achieve millionaire status.

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April Stewart 0:00

Because before that my money felt like a black hole. And I didn't really know what it was doing exactly. But once I began to budget, I began to tell my money, what I wanted to do each month and it did it. And that, you know, that really changed everything for me.

Unknown Speaker 0:18

You're listening to the winning to wealth Podcast, where you'll hear real stories from real people who are on the path to building real wealth. These stories will show you how to earn more money, pay off debt, start investing, and make better money choices so you can build wealth for your future. Now, here's your host, Michael Lacy, what's up? What's up? What's up teammates. This is Episode 33 of the winning to work podcast. And this week, we're doing a deep dive with a millionaire. That's right. I have an actual millionaire on this week and she is going to share exactly what she did and how She did it on the road to building love. April Stewart better known as April the money coach is my guest this week and according to some recent calculations, she is one of slightly more than 14 million American millionaires. And by my calculation, this means that almost 12% of American households have a $1 million net worth or greater. Talk about inspiring. Now if this is your first time here with me on the winning to wealth podcast, be sure to reach up and tap that subscribe button. This does nothing more than ensure that you will know every single time a new interview with a millionaire or someone in the process of becoming a millionaire is released. Also, if you want to join a like minded crew of people on the journey to millionaire status, swing by my private Facebook group where we talk about money openly and honestly. You can find that over at winning tools. dot com slash teammates. But enough of that, let's jump right into this interview with April where she shares how she went from being in consumer debt to being a millionaire before age 38. So April, welcome to the show, I am excited to have you and jump more into your story about becoming a millionaire in your 30s. So again, just Welcome to the show. Thank you for having me. Yeah. So jumping in with just the first question and what kind of financial example Did you have growing up?

April Stewart 2:33

So, I grew up in a lower income family and unfortunately, I only had examples of what not to do with money. So I witness behaviors such as no co signing loans and a lot of consumer debt. And I actually saw you know, people doing some unsavory things with money or to get money. So you know, growing up I basically, you know, had an example of what not to do with money, but That kind of fueled me going forward with helping me to figure out how I wanted to navigate myself around money.

Michael 3:07

You know, that's interesting because I kind of grew up in in that same vein, and it did motivate me. I know like a lot of people, you can kind of go one or two ways, like you can just accept it like, Okay, this is the reality of life and like, this is how life is supposed to be. And then there's the other side that's kind of like me and you where we see this. And we kind of view it as like a motivational thing of like, what we don't want to do. So can you talk a little bit about just how growing up in that situation made you feel?

April Stewart 3:35

So it really made me view money as something that there wasn't enough of, or that, you know, was hard to come by it. And it made me doubt that it would be present for me in the future for my needs. But as I said, I'm fortunate that the way I grew up around money drove me to want a different relationship with money. You know, so from there, it made me have a conservative and a very thoughtful interaction with my Dealing with money. So, upon graduating from college, I was told by family members that I should get a credit card in order to build credit. But I didn't like that advice. You know, going, you know, just getting out of college, I was new to heavy income. And I didn't know how to manage it. So I didn't think racking up debt was a good course of action. So as I said, it just made me very thoughtful in how I interacted

Michael 4:24

with. Okay, so did you ever find yourself in any type of consumer debt or debt at all?

April Stewart 4:30

I did eventually get a credit card shortly after college, but I did end up having a little credit card debt and I also had student loan debt and a car loan. And so I ended up with about $25,000 in debt, when I got to the point where I was ready to really turn things around and do a money transformation. So I was looking at about 25,000 in debt,

Michael 4:55

sticking with those, that timeframe right there. Did you feel like in that moment, when You're fresh out of college, you've got student loans, you've got a car loan, and you're starting to kind of slowly rack up a little credit card debt. Like, did you feel that you were struggling financially? Or did things just feel normal in the sense of, you know, this is just what you do this is a part of adulthood. These are just natural things that you, you know, do when you start making income for yourself. So I

April Stewart 5:22

didn't feel a financial struggle, per se. I think things did mostly feel normal. my credit card debt was low. Like I said, I was I was conservative with it. So I pretty sure I had like less than 1000 in credit card debt. And then you know, it's normal to have student loan and car loan debt. So I didn't necessarily see anything, you know, wrong with that. I would say where I did feel struggle was with wanting to save more. And, and I wasn't able to save, I wasn't really able to save money with the way I was going. So I think that's where I felt the tension. Am I am I financial, I guess my financial status.

Michael 5:59

Okay. So that makes total sense to me. So can you talk a little bit about the moment where you just drew that line in the sand and you were like, you know what? I'm tired of this, I'm gonna go in a different direction. What was what was that moment like and kind of what was building up to that moment.

April Stewart 6:15

I just felt like, I was making a good income. And I just didn't really have a lot to show for it. I said, I wasn't, I wasn't able to save. Like, I actually had a goal of wanting to save money each month, but I wasn't able to do it. I wasn't able to find the money, you know, within my paycheck to save and I'm like, it shouldn't be this way. So I began I began to read books and educate myself on financial principles. And what I was finding a lot of books I was reading was a lot of theory, and I just didn't really find anything that I could apply to my life. And I think that really changed once a co worker introduced me to Dave Ramsey's total money makeover book. And from there, I really started to change my mindset around money. And I knew that no, that is not normal. And you know, you don't have to fall in line with what everyone else says is normal. So it just really began to change my thinking around money and made me want to do differently, but the income that I had,

Michael 7:15

okay, and so you mentioned that you weren't finding a lot of practical things that you could actually put into place start working on start building new habits. So once you find the Dave Ramsey book did you have what habits did you have to change? And what how did you go about doing that in order to start making progress?

April Stewart 7:34

Personally, I didn't have to change my habits very drastically. I think what I had to do was form a plan around my money, and I didn't have a plan before that. So I started to budget and that gave me insight into the money so that was really a game changer. Because before that my money felt like a black hole. You not really know what it was doing exactly. But once I began to budget, I began to tell my money what I want It's due this month, and it did it. And that, you know, that really changed everything for me. And as I like to say, I felt like I got a raise, even though I still have my same income. But the fact that I was actually being really intentional about my money, I found that it's just further and it did more than four.

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Michael 8:21

Okay, and so at that time, like, were your family and friends were they were they really supportive of your journey? Or were you finding yourself kind of having to explain yourself a lot, like, why you weren't doing certain things anymore or anything like that?

April Stewart 8:35

Yeah, I had to explain and they were supportive, to a sense, I mean, no one, you know, said, you know, that's stupid. You shouldn't do that or anything, but no one really also jumped on board. So they kind of just watch what I did. And I was very excited about I was adamant about it. I shared it. I held like a workshop at my house and invited friends and family over so I could tell them what I was doing differently with my money. You know, they they listen, but I didn't necessarily see them, you know, jumping on board and joining the journey with me. So, you know, that was our, I guess you can say difficult to a degree, I kind of wanted them to be as excited as I did and just kind of jump on board and go alongside me. But you know, it's fine. I was just determined to continue with what I knew would be best for me. So just charted for

Michael 9:24

about what year was this where kind of all of this transformation was starting to happen for you? It was

April Stewart 9:31

like the late 2007 2008.

Michael 9:35

Okay, cool. Cool. And so how long did it take from the moment where you said, You know what, I'm gonna I'm gonna actually do this and then you start bringing trying to bring your family and friends along. And all those things, how long did it take for you to finally become debt free. It actually took me eight months to pay off the 25,000. So that was approximately 3000 per month.

April Stewart 10:01

I was just really intense about it. No, it was a short term search term goal that I was going after. So I just was really intense, I cut expenses down, I said notifications and social events and gifts, you know, gift giving, and all of that, and really focused on my goal at hand, because I knew that I would knock it out, and then you know, going on with the rest of my life, so, you know, I was fine with really putting life on pause to say, for that amount of time. Make sense? Make sense? So,

Michael 10:33

I know at the beginning of this, you said that a lot of the motivation for you was the fact that like, you felt like you were making a good income. But you and you wanted to save more but you felt like you couldn't. But I know after you know, you started paying off the debt at some point you started investing. So when did you get serious about the investing side of managing money?

April Stewart 10:58

I would say In the latter part of 2008, because at that point, I was debt free, and I build up some cash reserves. And I was interested in starting to take wealth, I'm sorry, sorry to take steps to build wealth. So that's when I really started to focus all of my energies and my excess money on investing.

Michael 11:22

Okay, so this is around you said 2008. So we all know kind of what happened around that time. So you're starting to invest right as a recession is happening, which is kind of ironic, because we're talking about this right now. And we're seeing a lot of fluctuation in different things in the market. So what was your mindset at the time as you're starting to invest, but you know, maybe you're putting money in and then you're seeing the value of that go down almost immediately. So like, Can you talk a little bit about your experience with that?

April Stewart 11:51

So I think it just is really all about having a plan and a strategy and something I learned about investing Is that your investment strategy is your investment strategy whether you know we're in good times or bad times so you know if you have a particular strategy that you're following then just follow that strategy so I tried not to you know really watch my account too much like I was I knew what I was going after I put my planet's emotion and just you know, let it Let it be like let it let it ride away like I didn't you know check I was obsessed with checking accounts then and I still not now like right now. I don't it back then I wasn't concerned about like net worth and all that type of stuff. So I really wasn't tracking for that. Now. You know, I tend to track my net worth a bit more but I still am not fearful with it fearful of it or obsessed with it because I know what the market does over time another market, you know, it has this correction has ups and downs and it it always recovers and usually recovers quickly and it always maintains The upward trend. So I faith anatomy that's happened over centuries. So not just have faith in what the market does, and I let it do its thing, I don't try to outperform it, I don't try to time it and jump in and out and all of that.

Unknown Speaker 13:15

Okay, so can you talk a little bit more about just what you've been investing in since, you know, I mean, this is about a 12 year stretch. So what type of investments you were making? I mostly

April Stewart 13:28

invested in mutual funds and index funds and now I've become more familiar with index funds and that's my my preference, but I keep my investments simple. And as I mentioned, I don't try to time the market or outsmart the market, not keep pace with it, and I grows it grows and yes, so I don't do any single stock investment and, you know, anything like that, that's you're not incurring any breaks that way. I tend to like to invest in funds.

Michael 13:59

Okay, so Can you tell me a little bit about what led you to make that choice? Like what were you seeing or reading or learning that made you say this is the direction I want to go versus the single stocks and all of that,

April Stewart 14:11

I read um, Dave Ramsey's total money makeover. So there's an investment advice in there and also unshakable by Tony Robbins. And that was really a good overall explanation for me of the stock market stock market and how it works and index funds and you know, basically, pacing the market and all of that. So that was really good sound, timeless investment advice, and I'm just not that person. I'm pretty conservative and I, I take risks, but I take calculated risks, I take smart risks. So I'm not the person that's really trying to pay trade and just single stocks and do all these things that are for one, you know, time intensive, that's a lot of research you have to do when those things, you know, it takes particular skills to build and to do those things. And I just basically I mean, I like to keep it Simple because I think a lot of times when people get into that, and they don't know what they're doing, or they think they know what they're doing, and they really don't, you stand to lose, or they're. So I didn't want to get into anything that was a lot of risk and where I was going to be all over the place and get discouraged, and, you know, abort my goals.

Unknown Speaker 15:18

I mean, I know that we've just had like one of the greatest stock market runs in history, but like, Did you have any challenges over the last 12 years or so when it came to your investment strategy? And if so, can you just talk a little bit about what they were and how you dealt with that?

April Stewart 15:33

So I'm saying that in terms of the market is suffering, invest in yourself that I have strategies, but think just always, you know, as individuals as humans, we have challenges with ourselves. So just having the tenacity and the fortitude to stay the course. It can be tempting to do. You know, some of the things that you see other people don't engage in. And that's not to say that I didn't enjoy my money or enjoy my life. Along the way, because I definitely did once I have my foundation in place of being debt free and, you know, having cash reserves like I, you know, I step back and enjoy my money, I took vacations and participate in social things and all of that. So it's definitely not about deprivation. But I'm also didn't want to get into mindless spending or chasing after things to keep up with a certain lifestyle. So just keeping myself on track and on course for my goals was, you know, challenging and then just life because I chose to live debt free and I remain debt free, just as anything happened in life, any stones that had to weather I had to cashflow it, so that can cause setbacks at times. So just, you know, pushing through all of that and just not never reverting back to what's quote unquote easy like, you know, grabbing the credit card and racking up debt, just really pushing through and maintaining my stance and not playing. So yeah, and then I guess that all speaks to making short term sound. sacrifices for the long term. So


Michael 17:06

one thing that you just touched on briefly, I want to kind of go back to it was, you mentioned trying to balance right, like being financially responsible, but also enjoying life now because again, tomorrow's not promised for any of us. So while we should be diligent and save for the future, there should be a little bit of balance there. So, can you talk about just some of the practical things that you do? Or you did or in that you do now, to keep that balance?

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April Stewart 17:34

Yeah, I think we should absolutely have a healthy relationship with money. So you know, our money is meant for multiple purposes. It's meant for us to spend it and enjoy it, it's meant for us to give it to save it, invest it. So it's definitely important to spend it and enjoy it along the way. And I like to do what I call value based spending. So I spent in enjoy and prioritize the things that matter to me. And then I cut back on things that don't matter, so that, you know, I do have that cushion to that and build wealth and all that, but I'm also able to spend money on the things I want without guilt because it's all part of a plan.

Michael 18:14

Okay, I really like that. So, in that strategy, how do you go about finding like, what it is that you value versus what's just something that, you know, I would just like to have that like, how do you how do you make that difference?

April Stewart 18:28

Of course, it's personal for everyone

experiences I'm not really a big consumer person, like I'm not a name brand. You know, gotta have the latest and greatest person you have to the buy and hold in general. So my, my investments, my house, my car, I don't turn that stuff over and have to get new that you know, all the time to keep up with the latest. So you know, I'm content and I also, you know, I like I said, I like experiences, so I like travel, and I I'd rather you know, spend my money taking nice trips, and really, you know, enjoy myself and, you know, helping my family to do the same. So, you know, for me, it's easy because I know what I value. And I just spend money on those things.

Michael 19:14

Okay, so you've been at this investing strategy for the last 12 years now. So what have been your personal results as a result of just sticking the course being consistent, not doing really anything flashy, just again, chipping away at it a little bit at a

April Stewart 19:32

time and definitely have gained know tremendous, tremendous gains from investing and staying invested in the stock market. So, you know, with 2008, and all that was going on, you know, not being afraid of the market, not jumping out of it. And you're not a friend that, you know, she said during that time, you know, everything was so volatile. She was like, I'm not putting my money in the market. She saved it, fortunately, but she just saved it in a bank account. So she didn't benefit from the gains as the market came back. So, with my strategy, I definitely have, you know, benefited from gains. And, you know, it's helped me to have a healthy and sustainable relationship with investing, as I mentioned, because I understand fundamentally what the stock market does and how it behaves over time. It's helped me to have a relationship where I, you know, trust the market, but then also, I don't feel like I have to do any crazy or complex things that, you know, I won't sustain over time, because I think when people get too complex or too trending, it can prevent them from staying in the game. And I think those have been my major results.

Michael 20:42

Okay. And so and you became a millionaire before you were 14. So like, was that the goal in the beginning, or did you did you have that in mind as something you wanted to accomplish? Or was that just something that you looked up and was like, Oh, this is cool. Like this happened?

April Stewart 20:58

right? Exactly. That's That's what it was because I didn't have that goal at all. You know, I basically was just planning to implement Smart Financial principles do smart things with money over time. And I had gotten to the point like I kind of evolutions in my finances where you not get to a certain point, I figure out some things, I implement them. And then I want to get to another point. So I finally gotten to a point where I felt like I could take myself as far as I could personally. And I want I was looking to maybe work with an investment advisor. So I was talking to different people. And I was talking to one guy, and he was like, you're a millionaire. And I didn't realize it on my own, because I never really sat down and calculated, you know, our net worth. So it was just kind of something that happened over time. And I kind of just realized, Hey, this is what I accomplished, but it it wasn't a tangible goal from the beginning.

Michael 21:53

Gotcha. Okay. And so can you talk about just how that network breaks down like between maybe Real Estate or in the market and just kind of all those things. So for me, it's, um, about a 6040 split. So 60 60% of it is investments in the stock market and about 40% of it is real estate. But can you are you open to sharing just what your income range has been from the start of the journey until now?

April Stewart 22:22

It's been six figures the whole time. So I would say when I first started, I was probably in the 101 10 range. I mean, that's definitely that's given me, you know, people will say, a big shovel to work with, but I do want people to understand that you don't have to have 60 acres to to build wealth to do these things. I definitely know of, you know, people would teach our salaries and things like that, that have been able to accomplish that. So it's really not about you know, how much you make but about what you do with it, but in my case, definitely having a six figure income, you know, there was no way I should have felt like I couldn't save and I I couldn't do certain things I just kind of had to, you know, get my expenses in line and then also have insight into my money and actually manage it and tell it what to do.

Michael 23:09

You know, I love that you said that because one of the things about me, I've been a financial coach, and I've coached some really high income earners, I mean, you know, 250 300,000 income earners that were living paycheck to paycheck that didn't have a plan for the money and just didn't know what to do. So I love that you brought up the fact that no, you don't have to make a six figure income or just because you make that doesn't mean that you're automatically gonna win with money. So I guess the next question that I have for you is just how did those basic habits that you built early in the debt free journey help you become a millionaire? Because going back You said that you know, you started doing a zero based budget and you got clear on your values, and all those things. So how did all that work together to help you become a millionaire at 38?

April Stewart 23:55

I think they contributed to the muscle that I've built over the years. My debt free journey really taught me contentment, you know, all the ways I've disciplined myself around money during that time, you know taught me contentment. And as the years went on, you know, I wasn't wasting money chasing after a lifestyle or trying to impress others. And I think that's what, you know, my debt free journey really set in motion.

Unknown Speaker 24:19

Gotcha. No, I love that answer. And so can you talk a little bit about just since since that's happened right since you have this revelation that you're a millionaire? has your life changed? And has your lifestyle changed? Or what has it done for just your outlook on life or your outlook on your career or any of that kind of stuff?

April Stewart 24:38

No, absolutely not. I didn't change anything once I realized that, um, and I want to, I guess backtrack a little bit and talk about what a millionaire is because I think people tend to have misconceptions about that or maybe I'm misunderstanding and basically a millionaire's is just when you have a net worth of a million So basically when your assets manager like liabilities equal a million more and your assets being things like your you know your stock portfolio, your investments or real estate and then your liabilities meaning your debt, your mortgage, anything you owe. So when you do that equation and you have a million more than you're a millionaire so millionaire is not that you have a million dollar income or you're making a million or anything like that. And I think a lot of times people confuse maybe what a millionaire quote unquote millionaire lifestyle is with a celebrity lifestyle. So they think you have this lavish suddenly celebrity lifestyle. I'm like, No, I'm just with, you know, Thomas Stanley calls in his book, The Millionaire Next Door. So, um, so yeah, basically, no, that didn't change anything. In terms of my lifestyle once I realized that, um, because, you know, like I said, it wasn't something that I sought out to become or achieve. I just did smart things with money over time, and it happened. But um, I would say being fiscally responsible has afforded me some peace of mind. And especially during times such as this pandemic, I have the luxury of not being worried about money and is not, you know, like I said, because I have this million dollar income or anything like that, but it's because I don't have debt. I have cash reserves. So I've just put a solid foundation in place with my finances, where you don't have to worry on these times. And I've been I've definitely feel very fortunate for that for that financial piece.

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Michael 26:34

So I know one thing that just kind of a byproduct for myself of just building net worth and all those sorts of things that I've learned to kind of look or I guess, naturally, I've started to really look at my career differently. And like so now. I mean, I love what I do, and it's made me actually better at my job because I go into work because I'm choosing to go not because I'm having to go to the pay a bill or any of that kind of stuff. So have you experienced anything like that? Or is again is it just kind of business as usual with my nine

April Stewart 27:07

to five, I would say my nine to five is a bit different. So I do enjoy the work I do, but I don't necessarily believe it's my, my my life, my lifelong passion. So I think what my passion is, is financial coaching. And I will say been a millionaire has given me a platform to share the financial principles that I've learned over time. And then also my unique approach to money management, because people tend to want to listen when it's coming from a millionaire, because you'd have results. So you know, I would say that it has given me a platform and it helps me with the work that I want to do with helping other female professionals grade their

Unknown Speaker 27:47

millionaires. Okay, looking forward, what financial goals are you working towards now?

April Stewart 27:53

I would say my two main things are more liquidity and additional streams of income and When I say more liquidity, like right now, you know, a lot of my investment is in the stock market. And for me, my investment strategy has been, I just had to buy and hold. So my long term so if I'm whatever I'm investing, you know, I want to leave leave it alone for these 10 years or more to grow. So, you know, that's not anything liquid that I can tap into and touch. So I have been doing more aggressive saving, investing for more liquid assets that I can, you know, tap into also additional streams of income. So, I have my nine to five, and I have my financial coaching, but, you know, I feel like this is that that's an area of my life that I really need to build out. And I think this, this pandemic has also showed me personally that because my nine to five is shut down for some time. And, you know, fortunately, I'm still getting paid. Unfortunately, I have cash reserves. I wasn't too concerned. But what if I wasn't getting paid? It just kind of showed me that I do need to put more

Michael 29:02

That makes total sense. My final question for you, I have just a hypothetical question. Let's say that there's somebody listening to this right now. And they're just now starting their career or they've been in their career for a while, and they're looking to get to where you are, they want to become a millionaire. What are some practical things they can start doing today? That would lay the foundation for them to ultimately get to where you are,

April Stewart 29:26

I would say, first and foremost, discipline, disciplining yourself around your money. And I know that that's not a favorite thing that you know, we want to do discipline ourselves, but it's definitely something that will serve you in the long term. So in that, you know, having a plan for your money on you know, telling your money, what you want to do each month. And that, of course, the timeless principle of living below your means, so that you can invest the rest. And that's been, you know, very key for me keeping my expenses in line and You know basically having it so that you know I'm able to live I'm able to live comfortably but I don't have you know very high expenses and I'm able to really take my money and invest it take you know everything above what I need to live and invest it and that's that's really how you build wealth and of course understanding that you will need to make some short term sacrifices for the long term good but if you know that you have a plan and you're following the plan, you know, it makes it all worth it worth it. And then also as we kind of touched on a little bit but don't make the mistake of thinking you can out earn you know, your money issues because as you mentioned with the people you coach, it doesn't matter how much money you make, you know, if you have those quote unquote poor habits around money, it'll be applied to a low income or high income and you at the end of the day still have anything to show for it. So it's not about you know, out earning it. It's about you know, doing the right things with the money. That's

Unknown Speaker 30:57

awesome. What that is something credible advice I can tell you firsthand. That's incredible. So for all of the people listening out there now can you just share April, what you have to offer and where they can find you if they'd like to connect with you or work with you.

April Stewart 31:14

So I definitely would advise everyone to grab my free millionaire money checklists on my website. And that's www dot APR, the money coach calm. And in there I give the steps I took to become a millionaire in less than 30 years. So there's a great checklist to grab. And I'll also be launching this summer a coaching program to help you know high achieving female professionals create their pens become a millionaire. So that'll like I said rollout sometime this summer. So I'm happy excited to start to work with you professionals and help them to achieve you know some of the things some of the same things that I've seen. And then of course, you can always follow me on Instagram at April, the money coach to keep up with The latest that's gone on with me and I'll always share there but not have gone. So those are the best ways.

Unknown Speaker 32:08

Well, April thank you so much for sharing your journey with the teammates and for sharing where people can find you if they want to connect with you. I'll be sure to link to everything you've mentioned, including your checklist and all the book recommendations you dropped in this episode in the show notes, which can be found at willing to wealth comm slash Episode 33 that is winning to wealth comm slash Episode 33. Now for this week's win of the week, April mentioned how she could never really find traction with her money right after college although she was making a really good salary. But then came a spending plan and APR credits the spending plan or budget as she calls it, with helping her gain clarity around her finances and that clarity helped her become debt free first. But as you know from listening to the episode, she didn't stop there. APR continued using the spending plan and became a millionaire in only 12 years. Now, I'm not saying that a spending plan is gonna make you a millionaire in 12 years. But what I am saying is using a spending plan is a great way to gain some clarity with your money and accelerate the journey to your goals. Now, at the end of the day, what you need to be clear on for an effective spending plan is your income for the month and your spending for the month. You're going to want to list out both then subtract your expenses from your income and there it is a literal plan for your spending. It really is that simple. My wife and I do hours and about 1520 minutes every single month. Now you can find my personal recommendations for the best tools and methods to create a spending plan in my playbook, which you can find at winning to wealth comm slash playbook that is winning to wealth comm slash playbook. Now if you enjoyed this episode with April, I only have one thing to ask you. Please drop me a five star review, especially if you're listening to this an apple podcast. It is super simple and only takes about 30 seconds of your time to do. But that's all the time I have this week. So until we talk again, keep racking up those wins one at a time. Take care.

Unknown Speaker 34:30

You've wrapped up another episode of the winning to wealth podcast. To learn more about how you can start making winning money decisions head over to winning to wealth.com

Resources Mentioned

April’s Millionaire Money Checklist

Dave Ramsey Total Money Makeover

Tony Robbins “Unshakeable”


Want to become a millionaire in your 30's? April stewart went from deep in consumer to to becoming a millionaire before turning 40. Learn all of her millionaire tips and secrets in this episode.


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