1. Antone, George. The Wealthy Code / The Debt Millionaire. Insights on using “good debt” to build wealth and beating the forces of interest and inflation.

2. Barroso, Amanda. “Tips for Lowering Credit Utilization.” NerdWallet, 2025 – Guidance on keeping credit usage under 30% for optimal credit score.

3. Insurance and Estates – Infinite Banking Case Study. Example of using a whole life policy loan to eliminate $30k credit card debt while building savings.

4. Johnson, Hans. True Wealth Formula. Emphasis on skill development, multiple income streams, and dividing income for investing, giving, etc.

5. Hormozi, Alex. $100M Offers. Importance of creating irresistible value in business offers for high profit and growth.

6. Finkel, David. Build a Business, not a Job. Framework for owner-independent business with systems, delegation, and time mastery.

7. Investopedia – “Risk Pyramid.” Explanation of tiered asset allocation: base with low-risk assets, top with high-risk for balancing risk/reward.

8. Halm, Monick. Real Estate Investor Goddess Blog. Quote on 90% of millionaires investing in real estate and focus on buying cash-flowing rentals.

9. Caring.com 2024 Wills Survey. Statistic that only 32% of Americans have an estate plan, highlighting need for wills/trusts.

10. Citadel NYC – “How to Start a Real Estate Investment Group.” Step-by-step on objectives, legal structure, member criteria, and strategy for investment clubs.

11. MJ DeMarco. The Millionaire Fastlane: Crack the Code to Wealth and Live Rich for a Lifetime

“12. Josh Tolley. Acquisitional Wealth: The Fastest, Most Proven Way to Create Life-Changing Prosperity

Acquisitional Wealth: The Fastest, Most Proven Way to Create Life-Changing Prosperity”