For most people, they won't learn this lesson until they actually get everything that they want, until they get the promotion and they realize that career is not for them, until they get that dream guy or dream girl and they realize that this is not the relationship that they wanna be in until they buy that big ass house and they realize how empty they are. If you are in your twenties, this is my advice to you. Number 1, build up your assets in a very specific order. I became a millionaire when I was 26. I'm 30 now. I just turned 30 this week. My net worth is in the multiple millions, and technically, I am financially free. There's two reasons for this.

Number 1, I started a business that ended up grossing over 10,000,000 Canadian dollars in its lifetime, but more importantly, number 2, I learned about the different types of assets that exist in life, and I was able to prioritize them in the right order. A mistake that a lot of young people make is they are in such a rush to build up their financial capital. They think that just by investing and just by saving money in their twenties is going to be enough to be rich. The truth is is unless you are a trust fund baby and you already come from money, if you are someone who comes from lower income class family or middle income class family like I did, you need to be playing a whole different game. And that game is understanding the different types of leverages that you have and building those up first before you build up your financial capital. 1st type of capital that you should be building up is your intellectual capital. This means with all the money that you're making and the time that you have, you should be investing in yourself and in your learning. Upskill yourself deep in your knowledge.

For example, when I was 16, I think I paid $12 to read my first personal development book. It was called How to Win Friends and Influence People. It completely changed my life. It changed the way that I navigated relationships, and it brought me a lot of opportunities even just learning how to communicate. Nowadays, there's even better books out there and way more resources. But what you wanna be doing is if you don't have the money right now, you should be reading books. You should be listening to podcasts, to YouTube videos, to expand your knowledge and learn as many skills as possible. Learn more about the world.

Once you start making some money, you wanna try to invest that into courses or mentors that can fast track your learning, fast track your skill development. The goal of building up your intellectual capital is for you to be perceived as someone who is valuable to the marketplace. Because once you have a sense of value, then you're gonna be able to build up the second type capital, which is your social capital. It's very hard to build up a really strong and rich network without having a sense of intellectual capital. And so in the process of you building up your intellectual capital, you wanna find as many ways as possible to help people with your intellect, to help people with the skills that you've acquired. For me, in my career, I helped a lot of people through mentoring others, through offering my services and my resources to others, through eventually digitizing my intellectual capital. I started a YouTube channel and through my videos, I just taught people everything that I was learning. And from there, when you build your intellectual capital, eventually, people will notice you.

You want to build yourself up to be a person that people can clearly see you are working on yourself and you are becoming a better person. And so, eventually, I built up my social capital, capital, which is building my brand on YouTube. Now you don't have to be a YouTuber to do this. If you are working a 9 to 5 and you're in a job right now, even you just helping your coworkers going above and beyond will get you noticed by upper management who will then connect you to whoever. You wanna build a strong network. And the reason why you wanna do this is because the stronger network that you have, the stronger and richer social capital that you have, opportunities will come way faster and way easier for you. Once you've built up your social capital, the next type of capital that's gonna be really easy for you to build is your human capital. Now this is very specific to those of you who want to build a business, who have a specific project that you wanna go deep on, but human capital is being able to recruit others into your cause so that you can scale up your time.