I teach people with extra cash flow to use debt, credit and leverage the way the rich do, so their money works twice and they can buy back their freedom.
You save. You have the emergency fund. You pay down your debt. Everyone tells you how responsible you are, and it still feels like running on a treadmill: working hard, going nowhere.
That frustration is real, and it isn't your fault. The advice most of us got from our parents, our teachers and Dave Ramsey was written for a world that ended when the government started printing money. The rules changed. Nobody told us.
Everybody deserves to pursue their dreams. The rich have always used debt, credit and leverage to get there. You can too.
At a 3% savings rate, your first $100,000 takes about 25 years.
Know your numbers, put your money where it can grow, and learn alongside people doing the same thing. No day trading, no penny stocks, no crypto lottery tickets, and you never have to sell your shares.
Plug your pay and expenses into the free calculator and see how fast you could reach your first $100,000.
Use the free calculator →Set it up the right way, with margin available, so your portfolio becomes your savings account and, later, your bank. I use Robinhood.
Open Robinhood and get a free stock →Referral link: I may earn a bonus if you sign up. Free stock subject to Robinhood's terms.Learn alongside people building wealth the same way. Ask questions, share wins and speedrun your success.
Join for $14.99/mo →"I'm 38, married with two kids and was definitely stuck in the hamster wheel of saving money… My wife and I set up our checks to direct deposit into our brokerage account. Using your method, we have increased our account by $20,500 just since March."
"I came into the Wealth Recycling Strategy call with $50k sitting in cash and no clear plan… I left with a structured framework that completely changed how I view investing and leverage. It made the strategy feel safe, intentional, and repeatable."
"He made me realize a dream of owning a beach Airbnb is actually attainable if taking the proper steps. I would recommend a one-on-one call if you're serious about getting to financial goals way faster."
"He stayed well past our allotted meeting time to make sure all of my concerns were addressed… I highly recommend Mike Wilson and Recycle Your Money."
"I had heard about going 100% into investing before, but I was still skeptical… You honestly filled in all of those misunderstandings for me."
Best if you make at least $500 a month more than you spend. If you don't yet, start with the free spread calculator below.
For learning alongside others doing the same thing.
For building your plan 1-on-1, on your real numbers.
Service promise: if you don't leave your first session with a written plan for your money, the next session is on me.
For learning the whole system on your own.
Your spread is the gap between what you make and what you spend. It's the only money you can invest, and it decides how fast you build wealth, not your salary.
Estimate only. Assumes you invest the full spread every month at the return you enter. Not financial advice.
Everything you need to build wealth from scratch, even starting with bad credit or zero investing experience.
"I love the simplicity of the concepts… The money's in the math!" — John P.
The five layers of protection I keep between me and a margin call, and the "break glass in emergency" move.
Mastering the rules of wealth creation: recycle your money so it works for you again and again.
At 25, I felt like I was doing everything the right way and still couldn't get ahead. I was saving my money, I had an emergency fund, and I was paying down my debt. I'd been working for 11 years and had nothing to show for it.
In the last 5 years I went from a $20,000 portfolio to an $850,000 portfolio on a median $75,000 income. I learned to become my own bank. I even paid off my car from my portfolio. Now I teach you to do the same.
Used wrong, margin can wipe out an account. Used right, it's a tool. I follow strict rules, like never borrowing margin to buy at all-time highs, and I keep layers of protection between me and a margin call. I've never had one. You'll learn the same rules.
Instead of cash losing value in savings, I keep borrowing power ready as my safety net. It's a different way to be prepared, and we'll walk through whether it fits your situation.
That's the cash-flow cycle at the heart of the system: your spread and portfolio income pay the balance down over time. We build that plan around your numbers.
Retirement accounts have their own rules, and margin usually isn't allowed in them. We'll talk through the options for your accounts on a call. Check tax questions with a tax professional.
Yes, though the plan looks different with a shorter runway. Many of the people I talk with are in their 40s and 50s.
If you don't have at least $500 a month left after all your bills are paid, start by widening your spread first. And if you're looking for day trades, penny stocks or crypto bets, this isn't it.
Book a call and leave with a written plan for your money.
