3 Things to Avoid If You Want to Stop Living Paycheck to Paycheck (Plus One Investment Habit That Can Change Everything)

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Are you tired of wondering where your paycheck went before the next one even arrives?

In this episode of the Budget Boys Podcast, Marlon Heard, The Valionaire, breaks down three of the biggest financial habits that quietly keep people trapped in the paycheck-to-paycheck cycle.

You'll learn:

✅ Why eating out every day is costing you far more than you think
✅ The hidden danger of financing everything you buy
✅ Why an emergency fund is one of the greatest wealth-building tools you'll ever create
✅ BONUS: Why investing—even starting small—can completely change your financial future

Marlon also shares his personal financial journey, lessons from being mentored by some of the top wealth builders in the world, and introduces the Budget Boys "Stop the Leaks → Allocate → Build Wealth" System.

Remember...

Most people don't need more money. They need a better system for the money they already have.

It's time to stop the leaks, create margin, and let your money start working for you instead of only working for everyone else.

🏘️ Start Investing with Invest With Roots

🚨 Disclaimer: We are not financial advisors, and nothing shared in this episode should be considered financial, legal, or tax advice. Always do your own research and invest responsibly.

If you'd like to learn more about the real estate investment platform discussed in this episode, check it out here:

🏠 Invest With Roots:

🎥 Watch Here For More Information: https://www.youtube.com/watch?v=3BQk1gQ8Cfo

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Start learning how real estate investing works and decide if it's a good fit for your financial goals.

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Inside the FREE Budget Boys Community you'll discover:

✅ Your FREE Leak Score™ Assessment
✅ Ways to uncover hidden money leaks
✅ The Five Jar Allocation System™
✅ Budgeting and cash flow strategies that actually work
✅ Credit, investing, and wealth-building education
✅ A community of people committed to building financial freedom together

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Your paycheck isn't the problem...

The leaks are.

Plug the leaks. Create margin. Build wealth.

We'll see you inside the Budget Boys Community! 💪🏿💰

Transcript

SPEAKER_00 0:00

What's going on, everybody? This is Marla Hur the Valiantair, and I want to welcome you to our Build Financial Freedom series. It's just something that I've been wanting to do this now for over 20 years, but I had to build the I had to build me first. Alright. I know there's a lot of individuals putting information out here, and they're not sharing what they do. They're only sharing the the theory. Right? And I'm not saying that everyone does that. And I'm not saying I'm the best at it. Matter of fact, I am. I'm the best at this. Forget all that. Forget all this. Forget all that. I'm the best at this. I have fun doing it. I've helped a lot of people do well in their lives financially, whether it's making more money, saving money, helping them build their credit, set up their trust, retire their spouses. This whole process got started in the year 2002 when I got introduced to the world of network marketing. I was 25 years old. I was about to be a brand new father. As a matter of fact, when I got started in network marketing, my wife was in the hospital, about to give birth to my oldest daughter, and I was, while she was sleeping, I was in the hallway making phone calls. Making phone calls, setting up presentations. Okay. And I've met a plethora, and I've been built by and mentored and coached by some of the best in the world. I was personally mentored by the number one income earner in the world at the time. His name was Holton Bugs. He was earning over $1.2 million per month in a particular opportunity I was in. And I was invited to his home. I was invited to his private trainings. And I was personally also personally coached by his protege. His name is David Emonitier. You can look him up on Instagram. And he took me under his wing and really showed me the game. And I couldn't be more, I couldn't be more um, I couldn't feel more privileged or more honored to be in that position. So here is me giving back to you all through this process that was shared with me. Okay. And we're gonna we're gonna be my my whole goal is to help you stop the leaks so you can allocate and build wealth. You build building wealth, you need margin to build wealth. And a lot of people don't have margin. They were not taught margin. Or if they do have margin, they don't know what to do with the margin. Or they don't, I don't say they don't know what to do. I'm not trying to tell people what to do with their money. Um they may not have an idea of what to do with it, right? I got this access. What do I do with this? But most people, when they have access, they create more bills, right? I got this $300 access, and I'm really not sure to do with this, so let me go buy something, right? And then they go buy a pair of $100 shoes or $200 shoes or you know, tickets to this and and going out and doing that, and and now the margin's gone when if they had at least some options on what to do with the access and the margin, that $300 left over every month would eventually turn into $300 extra doll a month. So now not only do they have the extra that they have in their own margin, they have an additional $300 that they earned with the margin. Okay, one thing I learned is that if you want more of something, you need to use more of it. If you want more money, you have to use more money. If you want more time, you gotta use more time. If you want more energy, you gotta use more energy. The thing that you want, you need to use more of it to get more of it. Okay, I'm gonna say it again. The thing that you want, you need to use more of it to get more of it. Because if you use more money to get more money, if you took that $300 and eventually used it, after a while, that $300 will bring you, could bring you extra $300 a month, extra $600 a month. Okay? So let's get into it. All right, now let's get into this paycheck to paycheck thing. Three things to avoid if you want to stop living paycheck to paycheck. Now I know there have been thousands of trainings on how to stop living paycheck to paycheck, and I I can honestly say that a lot of them have the same basis foundation or one of these four things, if not all four, or some rendition of this. And that's for a reason. All right, there's a book called The Science of Getting Rich by William Waddles. Okay, hey, there's a there's a clue for you. All right, The Science of Getting Rich by William Waddles. Okay, it's a book. All right, if you if you watch my win formula or you listen to my win formula on the podcast, all right, not the win formula, but the the success ladder. All right, or even the win formula, in the success lifestyle ladder, the first thing you want to, if you want to change your lifestyle, the first thing you gotta do is get the information. Okay, you gotta get the information in the win formula. The W stands for willing, and one of the things that willing, you know you have to do is be willing to learn. All right? So they all have this basis, and it's a reason because it's it's the principles that matter. It's not it's not uh just oh something you do, it's the principles.

unknown 5:52

Right?

SPEAKER_00 5:53

And in that book, he said there's a certain way to do things, not right or wrong, but a certain way. And when you do it the certain way, then you'll get the results you're looking for. But a lot of people don't do it the certain way. They don't ever start, they don't read the book, they don't go to the course, they don't make the discovery. And they just go month after month after month after month, living the same way, hoping things different, but get dip, but they don't change. Okay, so we got eating out, financing everything, no emergency fund, emergency fund, and the bonus is not investing. Okay, so let's keep going. Eating out every day. Now, this could be a plethora of things. It's those small little things that don't seem significant, they seem very insignificant at the time that you're doing it. But if you do it often enough, it adds up. Eating out every day is expensive. Okay? It's expensive, and then a lot of the food that you eat out is not very filling, or very nutrient-rich. I won't say very filling because I have gone out to eat and I've gotten full. But $5 here, $15 there, $20 here, every day at lunch, you down at the cafe, you over at Panera, you at Chick-fil-A, you at the local eatery, you at that coffee shop. Every day. Now I'm not saying not to do it. What I am suggesting is to cut it back. As you can see right here, this is a lot of money. All right, almost $4,000 a year in eating out. $4,000 a year. That's somebody's credit card. $4,000 a year. Eating out. Now just imagine you had that $4,000 going into some sort of account that's earning 8%. You're ahead of inflation and it's working for you. Okay? So, and what happens is when that money leaves you, right? You like it's getting to the end of the week or the end of the two weeks, or how however often you get paid, you're like, man, I can't wait for the next paycheck to show up. But these these are habits. This is a habit that's ingrained in us, right? You know, we we might go eat out and eat every day because your co-workers are going out to eat every day. And you don't want to feel left out. You don't want to feel like the outcast because such and sus ain't got the money to eat out every day. When they go home, they're living the same way. When they go home, they are living the same way. They're like, oh man, I can't wait for the paycheck. But they make you feel bad for not going out every day. I remember when I was working for this college and everybody in the office would go out to eat every day, every day, every day. They was at this Mexican restaurant, drinking margaritas, coming back drunk. And I went out a few times, but I did not go every day. Every day, every day, every day. They just spending money. I went out with them one time on a Friday, man, and their bills was like $100 each. I was like, after they had been eating out all week, and every time you told me, man, I ain't got no money, but I was some of that money I was putting away, putting away, putting away, putting away. I didn't know really much what to do with it. I just knew that let me just put it somewhere where it can maybe do something. And one day I didn't have to work that job anymore. Okay? So, stop the leaks. Eating out every day is a leak. And if you want to get your leak score, okay, join us in the free community and come get your leak score and let us give you some suggestions, some ideas on what you could potentially do to start to build some wealth for yourself. And wealth is just a measure of how long does your money last, not how much you do have. How long does it last? Okay. Number two, financing everything. This gets expensive. You got a car payment, a TV payment, a phone payment, a refrigerator payment, a couch payment. It looks good, but the thing about finance everything is that these are long-term uh options. Three to five years on a car. Sometimes six months on a TV, a year, three years. Most of the time you go to a furniture store, it's like three years no payments, or three years, zero percent, or three years like cash, or some shit. You're like, ooh. Three years, zero percent, you just paying the minimum. And one day that three years is gonna show up, and that $15 is gonna go to $115. Now you got all these payments. Right? All these payments. You're up to six, seven, eight hundred dollars a month, and after a while, that good feeling wears off. That new car feeling wears off, and you're like, oh, another $500, another $500, and after a while, don't nobody care that you got the new car, ain't nobody ooing it on no more, and you're stuck with the $500 payment. Ain't nobody ooing it on over the purse no more. Nobody's ooing it on over the shoes anymore. It's just what you have. Okay? So now I know some of these things you do have to finance, you know, unless you just got $30,000 to drop on a car. It's understandable, but finance something that you know you can't afford. I know you may want the bins, but the bins is $600 a month. And $600 a month is gonna put you under the water. Maybe get yourself a high-end civic or Honda, which might be $350 a month. $350 a month is more manageable, but you still got a newer car. It Honda's gonna run a long time. The maintenance is not gonna be high. I drove a German car. I had a BMW every time I took it in, it was $2,000. Every time. I remember my sunroof was leaking because the the pipes, these little tubes that drain the water out were clogged. I my car was in the shop for two weeks because they had to order these little rubber tubes from Germany. I said, y'all ain't got no like rubber tubing hanging around in the back. Y'all could just cut off and splice on there. I said, what Germany? Okay. Now the car I have is an Acura. It runs great. I know it's gonna last a long time, and the payments are something I can afford. Because the BMW just quit on me. It was smoking and all kinds of stuff, and rattling and shaking, and I guess I got stuck on the highway two, three times. But I have a car I know is gonna last a long time because Honda makes Acura. So if you can't go get it with cash and it's not something you need, don't buy it. Wait until you save it up. If the couch is $800, save up the $800, go buy cash. No payments, no interest. Okay? Because that new feeling wears off fast. Three months down the line, six months down the line, you're like, oh, another payments due. And you're trying to find a way to unload this stuff. Can I sell this couch and maybe pay some of this stuff off? Can I turn the car back in? Right? But these things are ingrained in us. These things have become habits to us. They become habits. Things that we think that we have to do and you don't. Quit word about what other people thinking that other people saying, and you ain't got this and you ain't popping that. And when they go home, they are broker than you are. But guess what? They're not watching this video. You are. Okay? So, no emergency fund. You take all your money and you spend it. You don't put any away for an emergency. Emergencies happen. You want to have at minimum three to six months. Maximum twelve to eighteen. You want to have at minimum six months of your current monthly expenses somewhere where you can go grab it in case something happens. You could lose a job. Your significant other could lose a job. Your kids may be in a bind. Two tires blow out on the car, the dryer goes out, the AC goes out. Okay? A family member gets stuck out of town, and you gotta something is going to happen. But when you don't have an emergency fund, right, sometimes you have to go without. Or you gotta finance that emergency. Take out a loan. Now in Budget Boys, we're gonna show you how to build this and still maintain your lifestyle. Alright? I'll never forget when things are going well in this particular business. This is years ago. And for some reason the company shut its doors, or something was happening up top. But I had put away, I think, like six or seven months of my current month expenses at that time. Okay? Now there was still a little bit of money coming in from this company, but then it just stopped. But I was able to go four months until we found another opportunity. And I picked up like a small part-time job. I was tossing papers, I was delivering newspapers while I was rebuilding. Okay, now the newspapers didn't pay a lot, but it paid for my rent at the time and it paid for my electricity because all I had at that apartment at the time was rent and electricity. So for four months, my rent was paid for and my electricity was paid for while I picked up a part-time job and we had got involved in another opportunity, and then you know, money started flowing, blah, blah, blah, blah, blah. But some of my other buddies didn't know what they were going to do because their house was filled with stuff they financed and stuff that didn't matter. One of my homeboys had like four pairs of Gucci shoes, Louis Vuitton this, Coach that, Tommy Hill this, Polo that. He ended up, I think he had two Rolexes. He had to sell both the Rolexes, sell all the shoes. Luckily, that that period in between us taking advantage of another opportunity wasn't too long, but okay. And these are just three things. There's so much more. But I think you, I think you're, I hope you're understanding what I'm saying. All of this can be accomplished. You just have to start somewhere. Just start with one. You don't have to do all three. Just start with one. Instead of eating out every day, eat out three times a week. And the money you're going to spend on eating out, just set it aside. Open you up a high interest savings account and just throw it in there. Open you up a high interest savings account and just put it in there. Just put every week, it might be $40 because you might spend $20 or $30. Let's just say it's $60. Those two days, I mean, let's say those two days that you don't go eat, $60. At the end of the month, you would have $240 in that account. $240. Earning interest. The next month, another $240. Now you got $480 in there. The next month, what's $24 times 3? You got $720 in there. There we go. Trying to get my math right. By the fourth month, you have almost $960 in there. Almost $1,000. Just by cutting back, not eating out two times a week. Now you can take that thousand and put it to work. And this is what we show you how to do inside of Budget Boys. We got a whole allocation, built wealth through margin process. And it is it is less than a hundred dollars if you if you get it a certain way. Okay? Just start with one. Just start with one. Then once you get this, start being a mercy fund. Alright? Or that could be your mercy fund. Not only you are saving money. Now you're being a mercy fund. Okay? Now, I'm gonna share with you a bonus, but before I do, I want to give you a disclaimer. This, this, this, uh, the investment vehicle we're about to share with you is not financial advice or investing advice. We are not financial advisors, nothing we share should be considered financial, legal, or tax advice. Invest at your own risk. All investments can carry risks, including the potential loss of principal. Do your own research. Always educate yourself. You want to be scholarly. Always educate yourself, understand what you're investing in, and make informed decisions. Know the risk, do your research, build your future. All investing has a risk. Even investing in this program, there's a risk. It's all risky, but one thing my dad told me is that not taking a risk is the biggest one. The biggest risk you can take is not taking one. Okay? The biggest risk you can take is not taking one. Sometimes you're gonna win, sometimes you're gonna learn. Sometimes you're gonna win, and sometimes you are going to learn. And those lessons are powerful. Woo! Because you can go into the next phase much more smarter. Okay? So if you're looking to maybe start your investing uh journey, okay? One thing you want to avoid is not investing. There's a program out there called Invest with Roots. I've been involved now since 2023, and I have not lost yet. This is a great way to invest in real estate without owning it. It's a co-op investment program where Investor Roots goes out and buys property. They rent out apartments, homes, and you have an opportunity to buy a share of those properties. Right? So you may have a hundred, you may have a thousand people that have a share in an apartment, or you know, tens of that in the share of an apartment. And because we are investing in that property, together, that property can stay up, that property can uh increase in value. Just imagine you had 10,000 people investing in an apartment complex. Investing in its future. That apartment complex will stay clean. The plumbing, it could have better screening of tenants. So when I got started, every share was about $110. Right now, they're up to $158 a share. This is a great program. Now I know it says start with just $5, but it started with $100. You got to start with $100. And remember, if you're not eating out every day, you could take $100 of that and put it in roots and let it start earning interest. On average, over the last 18 months, this is July 19, 2026, we are averaging 17%. Overall, 12%. Over the last 18 months, 17%. I don't miss. Every month I'm putting something in my roots account. I don't miss. This is a great program. Now, if you want link to it to get started, there's a link and go to the description area. It's gonna say invest with roots, and I'm gonna have a link to a video you can watch. I'm gonna have a link to you can get started. Get started. Start having some money work for you. Have a bill for you. Another reason you're living paycheck to paycheck is that you don't have a bill for you. You got bills for gas, bills for rent, bill for your car, bill for your credit card, bill for your insurance, bill for your medical insurance. But you don't have a bill for you. This could be a great bill. Not only you build your mercy fund, you also build your investment account. Now I'm not saying stop here. I'm just letting you know this is a great low-cost, high return process. And I've been involved since 2023. Now I'm not going to show you my numbers and any of that nature online. Go learn about it yourself. But I'm telling you right now, right now, one of the most exciting things is when you get your dividends paid out to you, and they pay out every quarter without fail. This is perfect. So that you can stop living paycheck to paycheck because after a while, you'll have enough in there, it will start taking care of you. Right now, and I know this number may sound big to you. I want you to start getting used to big numbers. I don't want you to be afraid of big numbers. But if you had $500,000 in roots right now, it would pay you $80,000 a year in interest. As a matter of fact, I'm about to do this right now. I'm about to ask chat. Hey chat, if if I had $500,000 in an investment account that was earning 17% per year, all right, how much would I have at the end of the year? Let's see what it says. $85,000. Starting balance, $500,000. Annual returns 17%. Investment gain is $500,000 times 0.17. That's $85,000. Monthly equivalent, uh $7,083. And it will pay out every three months. So every three months, about $21,000 will pay out. Do you think you can survive on $85,000 a year in interest? You think you can do that? Hell yeah, you can. Hell yes, you can. Hell yes. $85,000? You know how many people don't make over $50,000? The average band is making $42,000 a year. The average woman, $35,000 a year. Now, how long is it going to take you to build up to that $500,000? That is on you. That's on you. Alright? So if you want all of this to start working for you, come join us in our free budget boys community. First thing you'll want to do is get your leak score. Your leak score is bigger than your credit score. Find out how much money you are leaking that you didn't know you were leaking. Because some of the things you don't think are leaks are leaks. Some of the things that you don't think aren't leaks. Am I saying this right? I don't know. Some of the things that you pay for, you don't think is a leak. Okay? So come get your leak score. Find out how much you're leaking, plug the leaks, start to allocate, right? Start to allocate, build margin, build wealth. That's it. Discover your leaks, learn how to allocate, build margin, build wealth. That's what it is. If you don't learn this in school, you wouldn't even need school. So it's free to join our community. Come join us in the community. Okay? Come join us. Marlowe Valionaire. All the links are in the description area. It's up to you now. It's up to you. So we'll see you on the inside.