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In this transformative episode of "A Changed Mind," David Bayer reveals a surprisingly simple, mathematics-based path to building $40 million over 40 years—no privileged background or get-rich-quick schemes required. Through the power of mindset shifts and incremental action, David challenges listeners to rethink deeply ingrained beliefs about money, scarcity, and abundance.
David breaks down a step-by-step plan leveraging compounding investments and demonstrates how the journey to prosperity is more about who you become than the money itself. Listeners are invited to begin their own countdown to abundance while accessing a free assessment tool to uncover and reframe limiting beliefs.
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What We Explored This Episode
06:03 The Power of Beliefs and the $100/Month Principle
12:00 Compounding Growth and Identity Shift
18:36 Begin Your 40-Year Countdown
Memorable Quotes
"Prosperity is far more attainable than most of us have ever been led to believe. And once you see the math, you'll never think about money the same way again."
"Your capacity for wealth, prosperity, or abundance will have a ceiling exactly in proportion to what you believe."
"Abundance isn't reserved for the lucky. It's available to anyone who's willing to think long enough, believe deeply enough, and stay in the game long enough for compounding to do what compounding has always done."
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Transcripts
David Bayer:
You know, every once in a while I have an episode idea that I think has the potential to fundamentally change the way someone sees the world, not because it's some secret that nobody has ever talked about, but because sometimes the most life-changing ideas are the ones that are hidden in plain sight. Today's episode is one of those because by the end of this episode, I'm going to show you a mathematical path to roughly $40 million. And this isn't for people born into wealthy families or people with money. It's not some secret investment strategy. It is literally for anyone, no matter how little money you have right now or how long you've been struggling to make more. Now, it's important for me to tell you right now that this is not some get-rich-quick scheme. So let me save you the disappointment. It is actually the opposite. It is a 40-year plan. There are no shortcuts. There are no magic stocks, no cryptocurrency, no options trading, no real estate hacks. It is just mathematics. And here's the really crazy thing. Most people have been taught that money is scarce, that it's hard to make, or that you have to hustle and grind your way to it. But by the end of this episode, I don't think you'll believe any of that anymore because today isn't really about $40 million. It's about understanding that prosperity is far more attainable than most of us have ever been led to believe. And once you see the math, you'll never think about money the same way again. So let's get into it.
Welcome to A Changed Mind, a journey into the topics that matter to you most. From the neuroscience and spirituality of mindset and personal growth, to groundbreaking strategies for health, wealth, and relationships, to open and honest conversations about pressing global issues such as the environment, censorship, corporate capture, and democracy. Each and every episode reminds us of the certainty of the goodness of the future and provides the teachings, tools, and timeless wisdom inspiring you to create real lasting change in your life and in the world. If you've been desiring a sanctuary for your spirit, a place to go to tune out the distraction, negativity, and doom and gloom so that you can tap into the deep power, the vibrancy, and the potential you have inside, you're in the right place. Welcome to A Changed Mind. All right, guys, we're going to start with something really, really simple. I want you to imagine a timeline of 40 years. Okay, that's it. Now, before you say, Dave, 40 years is way too long, let me ask you something. If I could guarantee that 40 years from now you'd be financially free, would 40 years still sound too long? Maybe for some people, maybe not. But what if I told you that along the way you'd be getting rich? First $1 million, then $5 million, then $10 million, all the way to $40 million in 40 years. So the problem isn't the timeline. The problem is that most people don't believe that the destination is possible. And what I want you to see is how naturally prosperity and abundance and wealth occur in our reality. In fact, what I want you to see is that the only thing getting in the way of your 40-year plan to $40 million is your own mindset so that we can shift your beliefs around money literally in this episode. And so that you can start the 40-year countdown. So before I show you the $40 million plan, I want to remind you that your beliefs create Your reality. What you believe about money, about yourself, becomes your reality. And I want you to start by completing this sentence. When I was growing up, money was blank. Okay? When I was growing up, money was blank. Now, don't overthink it. Whatever first comes to mind. Okay? Now, I don't know what came to mind for you, but what I can tell you is that 70% of people use the exact word scarce. Another 20% of people use a word like scarce, or it's hard to make, or it was never around, or it was scary. And what usually happens is that however money was when you were growing up is how money is now as an adult. This is why most people are living in some form of financial insecurity because your brain is a goal-achieving machine. And so if you believe money is scarce, you're going to notice money scarcity in your life. You're going to have thoughts and emotions, worry about money, and those thoughts and emotions and perceptions are going to cause you at really powerful unconscious levels to do things that make those beliefs a reality. You'll get stuck in a job that doesn't pay you very much. You'll start a business and it's going to fail. You'll get ahead for a little while and then something will happen and you'll fall financially backwards. Your capacity for wealth or prosperity or abundance will have a ceiling exactly to the proportion of what you believe. And you got these beliefs from your parents, from watching what money was like growing up. And until you shift these beliefs, You cannot create more financial abundance or prosperity or security in your life. But what I want you to believe is that making money is easy. I want you to believe that prosperity is natural, and I want you to see that the system itself is actually rigged in your favor. Because if you can see that, then you can be willing to set aside these old limiting beliefs. And when you do that, given a short amount of time, you'll open yourself up to the natural abundance that is available to you. All right? So I want to show you this simple equation to illustrate this for you. If you look at the stock market and you take the S&P 500, basically the 500 biggest companies in the US, and you invest, let's say you buy an index fund that represents these 500 companies. Say you invest just $100. That index, the S&P 500, over the last 10 years on average grew at a rate of 13.8%. Now, some people would say, but that's a lot more than usual. But look, it could be more in the future. That's just a fact. Over the last 10 years, there was an average annual rate of return of 13.8%. What that means is that if you invested $100 in the S&P 500, one year from now, on average, it's going to be worth $113.80. Okay? So here's the first step of the prosperity equation. I want you to imagine taking $100, just $100 each month for the next 5 years and investing it into the S&P 500. Okay? At the end of that 5 years, investing $100 every single month for 5 years, growing at 13.8%, at the end of that 5 years, your total holdings will be worth $8,345. Now hold on. I know that's not that exciting yet. Okay? But this is step one. Now, someone might say, yeah, but David, I don't have $100 a month. And I would say, got it. Let's solve that problem. So let's make a decision that you don't know how, but you're going to make $100 extra a month to invest in the S&P 500 index. Okay? This is a fundamental principle that we teach. It's called the power of decision. I've taught this in dozens of other episodes on this show. The moment you set aside your old story of, I don't have $100 extra a month, and you decide that you don't know how, but you're going to make or attract an extra $100 a month, your brain, like a heat-seeking missile, will find a way for that to happen. You'll start to have new thoughts. You'll start to see things differently. You'll begin attracting coincidences and synchronicities, and you will discover a way to make an extra $100 a month. This is law. Okay? Maybe you'll get a raise at work. Maybe you'll find a job if you're unemployed. Maybe you'll have an idea for a side hustle. You'll make some jewelry. You'll wash cars on the weekend, whatever. But if you are willing to be open to making an extra $100 a month and unwilling to do what's required, maybe you'll get a raise at work. Maybe you'll find a job if you're unemployed. Maybe you'll have an idea for a side hustle. You'll make some jewelry or wash some cars on the weekend, whatever. Now, if you are unwilling to be open to making an extra $100 a month and unwilling to do what's required to make an extra $100 a month, then I can't help you. But you can help you by simply deciding and committing. Now, for a lot of people, they already have the $100 a month. Either they have it or they can reallocate it. Cut out your daily Starbucks. There's $100 a month. Cook at home for 3 meals a month instead of going to a restaurant. $100 a month. But step 1 is $100 a month, every month for 5 years. Again, what's the point here? I'm not doing this episode to teach you about investing or compounding interest or index fund investing. I'm wanting you to see how easy it is to get rich, that it is natural to be wealthy, that the system, despite what the news says or the corruption that is out there or the global elite, the system is literally built upon a foundation of abundance. Okay. Step 2, after 5 years, from year 5 to year 10, you're going to increase your $100 a month contribution to $500 a month. Now you say, David, I don't have $500 a month. I say, I get it. But listen, for 5 years you acted like and became the person who had an extra $100 a month to put into the stock market. Don't you think by year 5, You'd become the kind of person who could be making an extra $500 a month. There's a principle here, which is an identity principle. If you think like someone who is creating wealth and feel like someone who is creating wealth and act like or do the things that someone who is creating wealth would do, then by that fact, you will become a wealthy person. And the same is true for the opposite. If you think like a poor person, you feel like a poor person, you speak like a poor person, and you act like a poor person, then given that habit and enough time, you will 100% of the time And become a poor person. So can't we assume that after 5 years of playing the $100 a month game, you'd have developed enough of an identity to play the $500 a month game? I mean, of course, that is a very reasonable assumption. After 5 years, you have more skills, you know more people, you've created the habit. I mean, I would say it would be 100% certain that after 5 years you'd have increased your salary or grown a business or whatever it is, such to the extent that you'd have an extra $500 a month to invest in the stock market. Now, as you do that, by year 10, after 5 years of $100 a month and 5 years of $500 a month at a 13% growth rate, your new total, your new net worth after 10 years is $57,497. Okay. Might be exciting for some people, but I want it to be even more exciting for you. So we get to step 3. Step 3 is from year 10 to 15, you increase the contribution From $500 a month to $1,000 a month. I mean, look, 10 years, you got 10 years you've been playing the abundance game. I'm willing to bet everything I have right now that in 10 years, if you play the game slowly and consistently, you'll find yourself in a place where you create a surplus of $1,000 a month. Like way likely more, but we're being conservative here. Look, even if you did nothing, you didn't develop any skills, you made no greater contributions, you didn't attract any other opportunities, you didn't get a single promotion, just the annual average salary increase in the US of 4%, that gets you that extra $500 a month. That's how predominant abundance is in the system. You do nothing, you'll hit this number as long as you set aside your limiting beliefs and you believe that abundance is natural, that money is easy to make, and you start thinking and feeling and doing a little bit more like a wealthy person. I'm not talking about huge strides here. I'm talking about small incremental growth. And a very simple monthly practice. After 10 years, can you get to an extra $1,000 a month? Let me get a hell yeah in the comments here. Okay. So year 10 to 15, we're playing the $1,000 a month game. After 15 years, your grand total is $192,128. Now, what we're starting to see here is what compounding interest does, and we're going to play this out year 15 to 20. You increase from $1,000 to $5,000 a month. You say, but Dave, what? I don't have an extra $5,000 a month to put in the stock market. That's an extra $60,000 a year. And I'd say, hello, have you been listening to this conversation? You've been practicing wealth for 15 years. If you haven't become the person that makes an extra $60,000 a year, then that means the universe is broken. Like, that's impossible. Imagine you went to the gym consistently for 15 years. You did yoga for 15 years. You studied business for 15 years. You did jiu-jitsu for 15 years. You would be a double black belt in anything that you practice consistently for 15 years. You would be one of the world's greatest at whatever it, uh, was. And I'm saying that you go from $1,000 a month to $5,000 a month. That is it. It may seem like a lot now, just like being a black belt in karate might feel like a stretch right now for you, but we're talking about 15 years of practice. Okay. So by year 20, after 5 years of $100, 5 years of $500 a month, 5 years of $1,000 a month, and 5 years of $5,000 a month, you've got yourself $780,395 in your investment account. Okay. Year 20 to 25, we upped the ante to $10,000 a month. After year 25, you're at $2.31 million. Now, I want you to notice that you aren't one of the global elite. You haven't necessarily started your own business, although by now there's probably a good chance you might have. You haven't figured out a marketing strategy or become the world's greatest salesperson. You don't have to become an Instagram influencer. You could be a simple, ordinary human being who has just been practicing abundance for 25 years and making micro deposits into a system of abundance and letting the system do what it does, which is produce abundance. You picking up what I'm laying down here? This is how the game of abundance works. But you can't play the game of abundance if you're playing the game of money is scarce. All you have to do is change the game that you play and take a little bit of action, make a few decisions, and the new game takes over. Year 25 to 30, we're going to up it again to $10,000 a month. Okay? Not to $10,000 a month, but to $25,000. Okay? We're going to go from $10,000 to $25,000 a month into the stock market. Now, 10 years ago, this would've been a lot of money for me. I had 2 homes in foreclosure, a business that was failing. I had 20 times more credit card debt than money in my bank account, but it's 10 years later now for me. So I've been practicing the game for 10 years. So for me right now, $25,000 a month is a nothing burger. 25 years from now for you, this will be a nothing burger too. That means by the end of year 30, you're at $6,450,000. Has anyone ever shown you a simple way for you, really you, to get to $6.45 million in 30 years? No. Well, guess what? Now they have. The next 5 years, we're just going to continue to do what we've been doing a little bit better. We're going to double that to $50,000 a month. At the end of 35 years, you've got $16.37 million. Wow.
And in our last 5-year stretch, we're going to do what just seems natural at this point. We're going to double that to $100,000 a month. You say, Dave, that's more money than I can even possibly imagine. I say, then you're not paying attention to what I'm teaching you in this episode. This is after 35 years of practicing abundance. After 35 years, you are literally 3 or 4 or 5, 6 versions of your identity, but beyond where you are today. I get that this may feel impossible today. Of course, just like bench pressing 300 pounds might feel impossible today, but after 35 years of training, A million dollars a month is going to feel like nothing. And after 40 years of practicing this game, you'll have a grand total of $39,280,000 or roughly $40 million in your investment account. Now here's the cool thing. As cool as $40 million is, the money in your account is simply the scoreboard. The real game is who you're becoming. And I think that's the biggest misunderstanding about the game of abundance. Abundance isn't something you chase. It's not something you have to meditate and visualize your way to. It's not about manifesting things instantaneously out of thin air. It's not something that magically appears because you repeat the right affirmation. Abundance is what naturally begins to emerge when your practice of it compounds over decades. Again, you get the benefit months in, years in. It doesn't take decades, but decades gets you big. The investment account simply makes that compounding visible. So if you take one thing away from today's episode, don't let it be the $40 million. Let it be this: stop telling yourself that prosperity is for other people, because the simple math, if it's teaching us anything, is teaching us that abundance isn't reserved for the lucky. It's available to anyone who's willing to think long enough, believe deeply enough, and stay in the game long enough for compounding to do what compounding has always done. So don't wait until next year. Don't wait until you make more money. Don't wait until life is perfect. Start your 40-year countdown today. I hope you love this episode as much as I love sharing it with you. By the way, if you want some help getting started on this 40-year plan to $40 million, and uncovering some of the money beliefs that you need to set aside, I've got an amazing tool for you. It's a David AI-powered assessment. There's a link in the show notes, the description of this episode. It's absolutely free. It's going to take you about 3 minutes. It's going to help you identify 3 big limiting beliefs that are holding you back. And it's going to give you a really powerful tool, the decision matrix, to help you make some new decisions to get you started on your 40-year plan today. Again, check the link in the description. It is absolutely free. Our gift, my gift to you. And thanks for being here with me today. I mean, I learn as much sharing this with you. This is part of my personal growth journey. It's not about doing it on your own. It's about doing it here together. So I so appreciate you. If you love this episode, you think someone else needs to hear it, absolutely share the link, pay it forward. And if you haven't yet, subscribe. So that's the way we continue to build this community. Thank you so much. I love you so much. Thanks for bringing your energy and your soul here into the conversation today. And I will see you in the next episode. Hey, it's David. One more thing. If you want to go even deeper on everything we've talked about on today's episode, don't forget to jump over to www.davidbaire.com. You can find the link in the show notes and subscribe to our newsletter. A couple of times a week, I'm going to be sending you the latest episodes that we've released along with additional free trainings. You'll get immediate access to to my free mind hack ebook and go even deeper into all the tools, the technologies, the frameworks that have helped tens of thousands of people establish a changed mind. Don't forget to jump on over to the site and I will see you in the next episode.
