I Want Money Lots of Money: Why Your Financial Strategy Is Probably Broken

I Want Money Lots of Money: Why Your Financial Strategy Is Probably Broken

Let’s be real for a second. When you say i want money lots of money, you aren't actually talking about the green paper or the digital digits in a Chase banking app. You’re talking about the freedom to tell a toxic boss to kick rocks. You’re talking about not feeling that sharp, acidic spike of cortisol when a "Check Engine" light flickers on the dashboard.

Money is oxygen. Without it, you’re suffocating. But most people approach the hunt for wealth like they’re trying to catch lightning in a Tupperware container—lots of running around, zero results.

The truth is that the phrase i want money lots of money is a symptom of a deeper disconnect between how we work and how the economy actually distributes rewards. It isn't about working harder. Your mailman works harder than a hedge fund manager in terms of physical exertion, but the paychecks don't reflect that effort.

The Brutal Reality of Scalability

If you're trading hours for dollars, you've already lost the game. There is a hard ceiling on your life. You have 24 hours. Even if you’re a high-priced surgeon charging $1,000 an hour, you eventually run out of time. You hit a wall.

Wealth—real, "lots of money" wealth—comes from unlinking your input from your output. Think about J.K. Rowling. She wrote Harry Potter once. She didn't have to show up and perform the book for every single reader. The book works while she sleeps. That is leverage. Whether it's code, media, capital, or labor, you need something that works when you aren't in the room. Most people are just hamsters on a wheel, wondering why the wheel isn't turning into a Ferrari.

Why Your Brain Is Wired to Stay Broke

Evolutionarily, we are designed for scarcity. Our ancestors were worried about having enough berries for the winter. This "scarcity mindset" makes us risk-averse. We take the "safe" job with the "safe" salary, not realizing that having a single source of income is the riskiest financial position you can possibly be in.

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If you have one boss, they own your lifestyle. If you have 1,000 customers, no single person can ruin your life.

The Three Paths to Actually Making It

Most "get rich" advice is garbage. It’s either "save your latte money" (which won't make you rich, just miserable) or "buy my $2,000 course on dropshipping."

Let's look at what actually works based on the data of high-net-worth individuals.

1. Specific Knowledge
You need to find something that feels like play to you but looks like work to others. If you can be trained to do a job, a computer can eventually be trained to do it, or someone can be trained to do it for less. Specific knowledge is found by pursuing your genuine curiosity rather than whatever is "hot" right now. Naval Ravikant, the founder of AngelList, talks about this extensively. If you're chasing a trend, you're already too late.

2. The Power of Compounding
Compounding isn't just for bank accounts. It's for reputations. It's for relationships. It's for skills. Most people quit right before the hockey-stick growth kicks in. They see the flat line of the first two years and bail. But i want money lots of money requires staying in the game long enough for the math to start working in your favor.

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3. Ownership vs. Renting
You will never get rich renting out your time. You must own equity—a piece of a business—to gain financial freedom. This could be owning stocks, owning a small business, or owning intellectual property. When you own the "upside," your earning potential becomes theoretical rather than fixed.

The Psychology of the "Big Ask"

There’s a weird guilt associated with admitting i want money lots of money. We’re told that money is the root of all evil, which is a misquote of a biblical passage that actually says the love of money is the problem.

In reality, money is a tool. It magnifies who you already are. If you’re a jerk, money makes you a bigger jerk. If you’re kind, money lets you be exponentially more impactful.

Stop Cutting Lattes, Start Increasing Income

The "frugality" industrial complex is lying to you. You can only cut your expenses so far. You can’t spend less than zero. However, your income has no upper limit.

Instead of spending two hours researching how to save $15 on a flight, spend those two hours figuring out how to add $1,500 of value to the world. It’s a shift from a defensive posture to an offensive one.

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Why Most Advice Fails

The reason you aren't seeing the "lots of money" you want is likely due to asymmetric risk. Most people take "dead-end risks"—things where the downside is huge and the upside is capped. A "good" risk is something where the downside is small (like the time it takes to write a blog post or film a video) but the upside is unlimited (that post or video goes viral and leads to a business).

You need to be a "collector of call options." Try a lot of things. Most will fail. That’s fine. You only need one to hit.

The Role of Luck (And How to Hack It)

Is luck involved? Absolutely. But there are four types of luck, as described by Dr. James Austin:

  • Blind Luck: You find a $20 bill on the sidewalk.
  • Luck from Motion: You’re constantly doing things, meeting people, and "stirring the pot" until you stumble into something.
  • Luck from Preparation: You notice an opportunity because you have the unique background to see it.
  • Luck from Identity: Your unique brand or reputation brings luck to you.

When you say i want money lots of money, you’re essentially saying you want to increase your "luck surface area."

Actionable Steps to Change the Math

Stop reading and start doing. Here is how you actually move the needle:

  1. Audit your time. How many hours a week are spent on "consumption" vs. "production"? If that ratio is skewed toward Netflix and scrolling, you’re paying for someone else’s mansion with your time.
  2. Identify your leverage. What do you have that can be scaled? Do you have code? Content? A unique process? If you don't have one, your first job is to build or learn one.
  3. Find a "Problem-Rich" Environment. Money flows toward problems. If you're in a room where everyone is comfortable, you won't find wealth. Go where things are broken, messy, and urgent.
  4. Master the "High-Value" Skills. Copywriting, sales, coding, and capital allocation. If you can do even one of these at a top 10% level, you will never be hungry.

The desire for wealth isn't a flaw; it's an engine. But an engine without a transmission just makes noise. You need the systems—leverage, equity, and specific knowledge—to turn that desire into a reality.

Next Steps for Implementation:

  • Identify one skill you possess that cannot be easily automated or outsourced.
  • Dedicate one hour daily to building an asset (a newsletter, a plugin, a portfolio) that exists independently of your physical presence.
  • Shift your social circle to include at least one person who views $10,000 as a "small" amount of money; proximity changes your baseline of what is possible.
  • Stop "saving" and start "allocating." Every dollar should be a soldier sent out to bring back more prisoners.