Let’s celebrate progress. What’s ONE financial win you had this week? • Saved money? • Avoided impulse spending? • Learned something new? • Had a mindset shift? Big or small it counts. Drop your win below

Tomorrow something important begins. I will be in Houston, where we are launching a national campaign to create 1,000 new investors. And it all starts tomorrow. For years we’ve talked about financial literacy. We’ve talked about ownership. We’ve talked about investing. But tomorrow we move from conversation to action. The goal is simple but powerful: Help people make their first investment. Not someday. Not after they read another book, even if it's one of my three books. Not after they take another class. Right now. Tomorrow we’ll begin sitting down with people and helping them take the most important step in wealth building: Making their first investment. Some people will invest for themselves. Others will make their first investment for a child or grandchild, planting a financial seed that could grow for decades. This moment will mark the start of a larger mission: Creating 1,000 new investors across the country. And Houston is where it begins. We’ll be sharing the experience live across several platforms: YouTube: Think Outside the Cell with Joe the Wealth Architect TikTok: @joethewealtharchitect Instagram: @joethewealtharchitect We’ll go live from Houston so you can see the moment this movement begins. Location details will be shared tomorrow. This isn’t just about investing. It’s about shifting identity — from consumer to owner. And tomorrow, that shift begins. Let’s build. — Joe

On Wednesday, March 4th, I had the opportunity to lead a workshop at Borough of Manhattan Community College titled “Unlock Your Mindset.” The room was filled with mostly young college students who are thinking seriously about their futures — aspiring entrepreneurs, future professionals, and students preparing to launch their careers. And if there’s one thing I’ve learned over the years, it’s this: Your future is shaped less by your circumstances and more by your mindset. During the workshop, we explored several powerful ideas, including: • The role of self-concept and identity in shaping behavior • Why mindset often determines financial and career outcomes • The difference between thinking like a consumer and thinking like an owner • The three money mentalities — spender, saver, and investor • How the Be → Do → Have framework helps you design the life you want For many students, college is the first time they begin thinking seriously about the direction of their lives — what kind of career they want, what kind of impact they want to make, and what kind of financial life they want to build. But the real question is deeper than that. It’s not just “What do I want to do?” The more important question is: “Who do I need to become?” When you become the right person — someone disciplined, curious, strategic, and ownership-minded — the actions begin to align, and the results eventually follow. That’s the essence of the Think Outside the Cell philosophy. It’s about learning to think differently about opportunity, about money, and about the kind of life you’re capable of building. I’m grateful to have had the chance to engage with this next generation of thinkers and builders. Conversations like these matter because they plant seeds early — seeds about entrepreneurship, financial literacy, and long-term thinking. And when young people begin thinking this way early in life, it can change the trajectory of everything that comes after. Let’s continue building a community where people challenge old assumptions, develop strong mindsets, and learn how to design their futures intentionally.

One of the most powerful forces in money isn’t income. It isn’t luck. It isn’t even picking the perfect investment. It’s time. When time and money work together, something incredible happens: exponential growth. This is called compound interest. In simple terms, compound interest means: Your money earns money… and then that money earns money… and then that money earns money. Over time, the growth begins to accelerate. That’s why the earlier you start, the more powerful the result. Even small investments can change the financial trajectory of a child’s life. This is especially powerful when you start investing for: - Your son or daughter - Your grandson or granddaughter - Your niece or nephew You don’t need to be rich to start. You just need time and consistency. For example, historically the S&P 500 has averaged about 10% per year over long periods of time. Let’s look at what happens if someone invests $100 per month for a child and stops at age 18. Example: Investing $100/Month at 10% Start Age Years Invested Total Contributed Value at Age 18 Birth 18 years $21,600 ≈ $54,700 Age 5 -13 years $15,600 ≈ $28,700 Age 10 8 years $9,600 ≈ $13,700 Age 15 3 years$3,600≈ $4,000 Even though the difference between starting ages might seem small, the impact is enormous. That’s the power of time + compounding. Visual Comparison 🟢 Start at Birth 🟩🟩🟩🟩🟩🟩🟩🟩🟩🟩🟩🟩🟩🟩🟩🟩🟩🟩≈ $54,700 🔵 Start at Age 5 🟦🟦🟦🟦🟦🟦🟦🟦🟦≈ $28,700 🟠 Start at Age 10 🟧🟧🟧🟧≈ $13,700 🔴 Start at Age 15 🟥≈ $4,000 The earlier you begin, the more time money has to grow. Why This Matters: Imagine a child turning 18 and already having: - An investment account - An understanding of ownership - A foundation of financial literacy That changes how they approach life. Instead of starting from zero, they start from momentum. They can use that money for: - Investing further - Education - Starting a business - Building long-term wealth This is how generational change begins. Not with millions.

One of the most powerful things you can do financially isn’t just about improving your own situation — it’s about changing the trajectory of your family’s future. For many of us, wealth wasn’t something we saw growing up. Many people were raised in environments where money conversations were about survival, not investing. But here’s the truth: You do not have to be rich. You do not have to come from a wealthy family. You do not have to be a certain race, ethnicity, or demographic. All it takes is one person deciding to start doing things differently. One of the most powerful tools for doing that is opening a custodial investment account for your child or grandchild. These accounts allow you to begin investing on behalf of a young person while they are still a minor. The investments grow over time, and when the child reaches adulthood, the account becomes theirs. What you are really doing is giving them something many people never receive: A financial head start. Think about it. If a child grows up knowing that money is being invested for them — even if it’s just a small amount each week or month — they begin to develop a completely different relationship with money. They see investing not as something mysterious or reserved for wealthy people, but as something normal. This is how financial culture begins to change within a family. You are not just investing money. You are investing in mindset, opportunity, and possibility. Even modest contributions can grow significantly over time because of one powerful force: time. When you start early, even small amounts can compound into something meaningful. This is how generational change happens. Not overnight. Not through luck. But through consistent action and intentional decisions. That’s why I’m excited to announce that I will be hosting a weekly web class focused specifically on this topic: how to establish custodial investment accounts for your children or grandchildren and how to begin building a financial foundation for the next generation. As a member of this community, you will receive a 20% discount.