The 4-Step Wealth Formula: Stop the Leaks, Create Margin & Let Your Money Start Working for You

Most people don’t have an income problem—they have a money leak problem.

In this episode, Marlon Hurd (The Valiionaire) breaks down a simple but powerful system for building wealth that anyone can start using today:

✅ Find and stop hidden money leaks
 ✅ Give every dollar a specific job
 ✅ Create financial margin without earning more
 ✅ Put that margin to work through investing, education, and income-producing opportunities

Marlon also shares why investing in yourself through books, courses, and coaching can produce returns that last a lifetime, and explains how consistent habits—not complicated strategies—can create long-term wealth.

If you’ve ever wondered where your money keeps disappearing, this episode will help you uncover the answer and build a financial system that actually works.

Topics Covered:

• Why subscriptions, fees, and overspending quietly destroy wealth
• The power of financial allocation
• How margin creates wealth
• Investing in yourself before investing everywhere else
• The difference between earning money and making money work for you
• Long-term wealth thinking vs. paycheck thinking

This episode is for educational purposes only and should not be considered financial, legal, or tax advice. Always do your own research before making financial decisions.

🚨 Discover Your Leak Score (It’s More Important Than Your Credit Score)

Your credit score tells lenders how you’ve managed debt.

Your Leak Score reveals how much money may be quietly slipping through your hands every single month.

Imagine what you could do if you found hundreds of dollars in hidden spending, reduced unnecessary expenses, and redirected that money toward your future instead.

🎯 Take the FREE Leak Score Assessment today and discover where your money is really going.

Inside the FREE Budget Boys Financial Education Community, you’ll learn how to:

• 💧 Find hidden money leaks
• 💰 Give every dollar a job
• 📈 Create financial margin
• 🧠 Build better money habits
• 🚀 Start building lasting wealth—one decision at a time

Your Leak Score could change your financial future.

Join the FREE Budget Boys Community today, discover your Leak Score, and start keeping more of the money you already earn.

Transcript

SPEAKER_01 0:01

What is going on? This is Marlon Heard, the Valionaire here with Budget Boys, the Budget Boys Podcast. I really love doing this. I really love doing this. I'm I I um I can't wait till we have you know back and forth discussions with other financial gurus and things. Well, I don't say gurus, but you know, financial financialists and things that nature. Let me see, let me see if I can put this in here. Ooh! We got sound and we charging. Let's go. Let's go. I didn't think I could charge. But um, I can't wait. Interviews, things that nature, testimonials, all that good stuff. We got a few. We got a few. We got a handful, and we're gonna have them on um on the podcast. We'll probably do something live, um, like on a Zoom or something like that, and then you know, post it to YouTube and everywhere so you could, you know, hear hear other people's stories. Sometimes it it sometimes it helps to hear other people's stories. You know, not not many people are gonna be like me, um, or some of you who just take risks. You know, I see something, I like it, I buy it, and I test it out for like 90 days to see if it's something I want to keep. Right? I I just see it, I'm like, oh, this looks interesting, and I'll keep it for 90 days and say, hey, I think I'll keep this. All right, I'm just one of those individuals. Not everybody's like that. You know, they gotta see testimonials, they gotta get on nine calls, they gotta ask one more question, right? And it's just how they are. Um, so but um I really enjoy sharing this information. Um, I believe that when you put out value of things that are given to you, you know, your incomes, and you know what comes out of you are your outcomes. Um I I think it makes room for for other things for for you to to learn more um and and and to and and to get better at your craft and to be able to share more. So I I'm uh I'm doing this uh so that I can I'm learning at the same time too because I'm hearing it again. And I'm hearing it again, and and the more I hear it, the more I believe it, and the more confident I get, and the more that information comes, that type of information comes to me so that it comes from me to you. Alright? So if you're listening to this, you're part of my audience. Maybe maybe somebody else couldn't reach you, but maybe my words and my sound and my gift can reach you. For you to do the same thing, somebody else can say this, and you'll hear for me, and it'll be completely different. Or you're here for me and you're here from somebody else talking the same language and you resonate with that. Okay, so I'm gonna give you the four steps. The four steps to start building wealth. Okay, to start building wealth. Well, actually, three steps. The fourth step is actually you're the fourth step, you'll actually be doing the stuff. Okay, so number one, the first thing is to stop the leaks. Everybody has leaks in their spending, it's just a natural course of things. I won't say everybody, but most people, most people have leaks in their finances, even the people who are the best at it, they still have leaks, they just don't have as many. Okay, so the first you want to do is stop the leaks. There is unnecessary money you are spending right now. Unnecessarily spending this money. Listen, money is unlimited, but the amount that comes to you is limited. Money and numbers are unlimited, they are infinite. Numbers are infinite, they go on forever, but the amount that comes to you is finite. There's only so much that's gonna come to you in a lifetime. What you do with it is up to you. Now, maybe you don't want wealth, maybe you don't you don't care about that. If that's if that's you, it's alright. You can listen to the rest, you can turn it off, you can but I'm talking about most people want to be in a better space financially. And then even more people, not just for them, but for the people that they love. Alright, now I know you might not want to hear this, but I don't care. Alright, there's a there's a gentleman's club here in Atlanta called Cheetah. The Cheetah or Cheetah or something like that. Okay? And yeah, I went there. I don't I'm I'm not an avid go, no, I ain't in there throwing dollar bills, nah. But some friends were in town, we wanted a cool place to hang out. We was like, let's go to the cheetah. And we sat at a table and just caught up. We went to college together, we just caught up. We didn't get no dances or nothing like that. But we just caught up. It was just cool to be in there at the cheetah with ladies dancing around and we just talking. But I did see this one young lady, she was gorgeous. I was wanted to start talking to her. I said, nah, I don't want no dance. But even though I did take her time, I did pay her. But I just asked her, I said, what are you doing this for? Like, you know, I was like, I ain't trying to take you out the game or pay for your life. I just like, you know, what got you started in doing this? Right? She said, she said that one of the reasons I got started doing this is because there was an ill family member and nobody had any money, and she had nowhere to come with the money, so she came down, it wasn't a cheetah, but she started, you know, exotic dancing. And she made enough money to pay for whatever needed to be or help pay for whatever need to be paid for. And then she just found out it was good money, she could build clientele, and became a business. I was like, wow. And we just talked, we just talked about what's you know, her business. And I was like, I never thought of it that way. I never thought of this being a business. She said, Yeah, you're, you know, you all are customers, you're clients. I don't say nothing personal. I don't I don't I don't fall in love, it's just it's business. I deduct a lot of my stuff. I was like, you deduct, excuse me, okay? I know if it went on a tangent, but it was the proof of point I didn't forgot already. Okay? But you gotta stop the leaks. There's things that you're paying for that you don't even realize is a leak. You just paying for because at one point in time you thought you needed that and you just kept it. You're like, oh well, I'll get rid of it. Oh well, I'll get rid of it, oh well, I'll get rid of it, and it's 15, 15, 15, 15, 15. Alright? Some of those leaks are subscriptions. Things that you're paying for that you don't even really need.

SPEAKER_00 7:50

All right?

SPEAKER_01 7:51

Part of the part of the leak is are subscriptions. Apps, TV, um, shopping.

SPEAKER_00 8:02

I mean for what? For what? Right? For what? Okay. Stop the leaks.

SPEAKER_01 8:19

Some of your leaks is that you're paying too much for something that you actually need. Like you may be paying too much for car insurance. I sound like a good commercial, don't I? I I I I felt the commercial coming out of my mouth as I was saying it. You're paying too much for car insurance. Right? You might be paying too much for your electricity. You might be paying too much for a lot of things. Your cell phone service. There's a lot of things that you may be paying too much for.

SPEAKER_00 9:01

And you never just went back and looked at your interest rates on your credit cards may be too high. All right?

SPEAKER_01 9:11

These are things that you need, but you don't even realize how much how much extra you're spiring on that. That's a leak.

SPEAKER_00 9:21

Bank fees, late fees, those are leaks.

SPEAKER_01 9:28

Going out, eating too much. Those are leaks. Now, I'm not saying not to do any of these things. I'm saying that you're doing it in access.

SPEAKER_00 9:43

Okay, you're doing it in access.

SPEAKER_01 9:48

Now, I created a process that will look at your bank statements and find the leaks, and it will give you a leak score.

SPEAKER_00 10:00

Now, this score is bigger than any financial score you have.

SPEAKER_01 10:08

Because this is the part of your income that's getting misspent or potentially getting misspent. I don't want to, I don't want to talk about your money, I don't want to tell you what to do. I'm just I'm just I'm just a guy talking. Alright, with 20 years of experience of winning and learning. Over 20 years experience of winning and learning. Okay? So now let's say this number. Oh again, well, I'm not telling you not to do it, I'm just telling you kind of see you can cut back and maybe cut off or cut off or cut back. Alright? Now let's say after you do your analysis, you get your league score, it gives you some things you could do. Let's say this number is five hundred dollars. Okay, step number two is how you allocate all of your funds. So let's just take a look at your income. I want you to write down all the revenue that comes to you. We're not gonna call it income, we're gonna call it outcomes. All right, but we're gonna call it revenue. So the money you get from your job or your business or whomever, that's we're gonna call that revenue. Because you are a business. You are you're an entity. Your social security number made you an entity. You could be a DBA of yourself, you are a business. So we're gonna call it revenue. All right, we're not gonna call it income. Now, the the amount you receive is called your outcome. What you put in you, right? The trainings you get, the learners you get, the courses you get, the books you read, what you put in you will determine your your income, what you learn and invest in yourself, your incomes will determine your outcomes. So this is part of your income. Just learning some information that you may or may not heard before. You never heard this before, great. If you have, listen to it again. This is how you get better. So now we're gonna take so I want you to write down all your revenue and we're gonna allocate it. We're gonna allocate it to a certain process, a certain percentage of your income is gonna get allocated to a certain certain process. That that amount of income, that percentage is gonna have a job. One may have a job for your necessities, one may have a job for your fund, one may have a job for your investment, but you all your money is gonna have a job.

SPEAKER_00 12:56

It's gonna have they're gonna have a job. Now you still want to have fun.

SPEAKER_01 13:03

A part of your money, its job is to provide the fund, but to a limit. So maybe 5% of your income goes to you having fun. If that 5% is $200, your fund is $200. Not $210, not $201, not $250, $200. And when your $200 runs out, no more fun. So when your homies call or your homegirls call, hey, we hitting the spot, hey dog, we going golfing, and we going to see, we going to see what's going on, and hey girl, you need to be down here at the brunch. If your if your fun process says zero, I can't make it.

SPEAKER_00 13:52

I can't make it.

SPEAKER_01 13:56

Now, if your fund process is fifty dollars, you having fifty dollars worth of fun. So maybe you do go to the event. And instead of buying the old fashioned, you get middle lights. Bud lights. Bud light is what seven dollars sometime when you go out. So if you want to, you can have seven butt lights. Now that's too much to drink. I'm just giving you a number. Seven times seven is 49. Or you can do three butt lights, and you just kind of sip it slow. You sip, you talk, you mingle, you walk around, you might buy some nachos, just get a little something nibble on that. And you there, you having a good time.

SPEAKER_00 14:46

But you don't go over $50.

SPEAKER_01 14:51

Okay? So all your money is gonna allocate. Now, now that you know it's going, now we're gonna look at this extra $500. What are we gonna do with that?

SPEAKER_00 15:02

Alright? That's called your margin. Margin creates wealth.

SPEAKER_01 15:10

What are we gonna do with this new margin that you found? We're gonna put it to work. Now, one thing you can do, one thing you can do is that you can take a small piece of it and start learning how to invest. Right? Because this is margin now. This margin is not messing with your lifestyle. This margin can be, you can get wins and lessons with this. You can get wins and lessons, wins and lessons. So maybe you take the hundred dollars and maybe you want to attempt crypto, right? And you're learning about crypto and learning how to trade crypto, and let's say you you you put $100 in and you lose it.

SPEAKER_00 15:59

Listen, so what? So what?

SPEAKER_01 16:04

Guess what you got out of that? A lesson. I'm pretty sure there's something about crypto that you learned that you didn't know before because you were because you have this margin now that allows you to take risks. Because that hundred dollars mess with your process because you've allocated your your revenue to have a job.

SPEAKER_00 16:31

Okay? You've allocated your revenue.

SPEAKER_01 16:36

So let's say you may take a hundred dollars and you may want to learn how to trade Forex for an exchange. And let's say you're you're you may be in a group and you're learning lessons and things of that nature, and you put $100 in your account, and the first time you trade, it wipes it out. Guess what? So what? Uh guess what you got? A lesson. I'm pretty sure there's something about Forex that you didn't know before that you know now.

SPEAKER_00 17:12

Now, let's say you take $100 and you go invest, use invest with roots.

SPEAKER_01 17:19

Now, I can just tell you from experience, I ain't lost investing roots yet. Oh, I have not lost with invest with roots. There's a good chance you'll make money there. It may not be a lot because it's just a hundred dollars, but something will be made in that process. Now, let's go back to crypto and let's go back to Forex. Now, let's say you go back into crypto again with the next hundred dollars. Let's say it's the next month, and you got this $500 margin. Now you know a little bit more. So let's say you go into you do you attempt crypto again, you may take some classes, some courses, and let's say you wipe out your hundred dollars again. Guess what? So what? What did you get? Another lesson on top of the lesson you had before. So now you got two times the lesson. Same thing with Forex. You wipe out your hundred dollars. Guess what? So what? This is margin. This is not messing with your lifestyle. Now you got another lesson on top of the other lesson.

SPEAKER_00 18:27

Now you go back in a third time. This time, you make five dollars.

SPEAKER_01 18:36

Let's say on both. You just say, let's say $25. You make $25 credit trading crypto, you make $25 trading uh Forex from the lessons you got before and the new lessons. So you didn't lose the hundred, now you made twenty-five dollars to add to the margin. Now, what do you do with that? You put it right back in there. You put it right back in. What do you do with those dividends you get from investor roots? You let roots automatically reinvest it.

SPEAKER_00 19:14

Now, that's just with the hundred dollars.

SPEAKER_01 19:18

What could you do with the other 400? You start investing in you. I should have put that one first. You start investing in you. Books, courses, coaches. Books, coaches, courses. Books, courses, coaches. That's what I meant. Books, courses, coaches. Books, courses, coaches. You start investing in books. Think and Grow Rich. Rich Dad Poor Dad. The Power of the Subconscious Mind. The Four-day Work Week. 21 Irrefutable Laws of Leadership. Any John C. Maxwell book. The Five Wealth Secrets, 96% of us don't know by Craig Hill. Any Napoleon Hill book, Outwitting the Devil. The Stephen Covey, The Seven Highly Effective Habits of The Seven Habits of Highly Effective People, The 48 Laws of Power. You start investing in you. So you take $100, $150 a month and you're investing in books. Let's say you just take $100 a month and you invest in books. In courses. Let's say there's a coach out there that's offering a coaching class and it's $97 a month. It's $197 a month. And that coach is coming on once a week for X amount of time. And you're paying, and that coach is coaching you through some opportunities. Maybe you take some of that extra $400 and you join a network marketing business or network marketing process or an affiliate process. So now you have money working in some type of investment process. Every month, let's say you do this for a whole year, you invest $600, $6,000 in your process. What type of person do you think you'll be after 12 months? You won't even be the same person. You are learning a new process, a new skill, you investing in yourself, and you had a coach beating you up for the last 12 months. You will be a completely different person. You will now have the mindset. The skill set, the trial and error where now you could you could potentially turn that six thousand dollars that you invested in yourself into that type of revenue monthly. Monthly, and there are so many other vehicles and avenues that you could put your money into. I'm not gonna go into that. I'm not a financial planner yet, so I I'm I'm not gonna even speak on that telling what you should be doing. The only reason I mention invest with roots is because it's something I'm personally doing, and I've gotten personal results since 2023.

SPEAKER_00 22:41

Okay.

SPEAKER_01 22:46

So then with that margin, that margin starts to create wealth because now you're increasing the margin. You're increasing the margin with your investing. And as you increase that margin, you put more of that margin to work. You'll put more of that margin to work. Same process. Same process. And you'll learn, you'll learn what those how to allocate uh inside of our budget jet community. Uh, we have a whole training course on this. It's really, really, really, really inexpensive. All right, we got a whole training on it, videos, how-tos, what to do. Uh, we have weekly calls and things of that nature that you can join. Right? Remember, books, courses, coaches. And it don't just have to be me. It don't even have to be me. I could be the seed that's planted for you to find someone else and say, oh man, that one guy, the value there was talking about this, and you may go with someone else. You don't know how many times people have done that with me. Man, I heard I heard I heard such and such talk about it, then I found you, and I heard you talking the same thing, and I like how you was talking and what you were saying, so I decided to join you. Same thing.

SPEAKER_00 24:04

I'm just here to spark the mind. Alright?

SPEAKER_01 24:12

And so the goal is to stop the leaks, learn how to allocate, create the margin, grow the margin, put the margin to work.

SPEAKER_00 24:27

And use that revenue that the margin creates to live your lifestyle.

SPEAKER_01 24:33

After a while, what you drive goes up, what you wear goes up, where you live goes up, what you do goes up, who you talk to goes up, uh, your your circle gets tighter, your lifestyle is different, your body's different, because maybe now you got a little bit more time freedom to hit the gym. Fellas, you know I'm saying that the the if you if you doing something like that, you you you you the king.

SPEAKER_00 24:59

You you you could decide how you want to move out here. Ladies, right? You that now you sharp.

SPEAKER_01 25:13

You sharp, you a little bit more attractive. That's attractive to me. A smart, pretty, soft woman, woman that understands money, she got a mind right. Let's go. I'm putting you on the team. You know what I'm saying? Or if you want those ladies that want to go go her go her own way, you a little bit more sharper, a little bit more tighter.

SPEAKER_00 25:35

Can't nobody just tell you nothing. Alright? That's what we're talking about here.

SPEAKER_01 25:47

So, if you want to start to build wealth, it's just that simple. I know a lot of people out here complicated. You know, you gotta know X, Y, and Z and factor of nine, and if you don't know the ticker number and stocks and bonds, and it's good, you you it's good to know all that, and in this that and the other, and the third, and you're not gonna we're gonna keep it real simple. Stop the leaks, learn how to allocate, start the margin, grow the margin, put it all to work. Did you know right now, if you had $500,000 in an invest with Roots account at right now, because right now we're at this point in time, we're hovering over the last 18 months at 17%. Now, this is 2000, this is July 2026. Since the last 18 months, we have earned 17% on the money. So if you had $500,000 in there at 17% and you didn't put anything else to it, that money will earn you $85,000. Could you live on $85,000 a year in interest and still have a good life? If your money, if your money was returning $85,000 a year to you and you weren't working for it, could you live?

SPEAKER_00 27:12

Could you be all right?

SPEAKER_01 27:18

The average male income is $43,000 a year. The average woman is $35,000 a year. You you stop the leaks, allocate the money, build the margin, grow the margin, put it all to work, eventually you reach $500,000 in roots or account like roots, earning interest on it up to $85,000 per year. If you had a million dollars, that's $170, $75, $170,000 a year. You're earning six figures in interest. Then uh and even before that, that's when you start protecting your assets, setting up things through trust, right? Learn how to save money on taxes, borrowing against your investments, and then you live on the borrowed money, and living on borrowed money, there's no tax. So if your portfolio is worth one million dollars, you could take out a up to what sometimes some places do 5%, five times. So you can take out, let's say you can take out three times the amount. Your whole portfolio is worth a million dollars, and then you can borrow three million, and now you're living on borrowed money that's not taxed, and you're using some of that money to live on, some of that money is putting back into the process. Some of it is used to buy more assets, to buy more stocks, to buy, to do more Forex, to do more investor routes, to do more IUS, to do more, whatever that is, and it's all tax-free because it's borrowed money, and you're putting it out there to earn more revenue. That's how it works, ladies and gentlemen. That's simple. Just that simple. Alright, so Marlowe heard the value in there. I hope you got some value from this. If you did, leave me a message down below. Come join us in Budget Boys. We're having a ball in there, and we'll see you on the next episode.