Valuetainment - July 22, 2025


Why Prenups Prevent Divorce ｜ The $528K Marriage Reality Check


Episode Stats

Length

20 minutes

Words per Minute

210.6417

Word Count

4,356

Sentence Count

390

Misogynist Sentences

12

Hate Speech Sentences

9


Summary

In this episode, I talk about the importance of a prenuptial agreement and why you should have a prenup if you re getting married or getting a partner. I also talk about how to get ready to get married and have a family.


Transcript

00:00:00.000 James Sexton, a very famous divorce attorney, once said,
00:00:03.340 I've done 1,000 prenups in my life,
00:00:05.700 but out of the 1,000 prenups I've set up for clients in my life,
00:00:09.440 only seven have come to me for divorce.
00:00:12.760 Does that mean?
00:00:13.980 Does that mean prenups lower the chances of a divorce?
00:00:16.980 If the prenup forces you to pre-plan your marriage and your life,
00:00:21.660 yes, it does decrease chances
00:00:23.680 because you're having the tough conversations up front.
00:00:26.140 Why am I sharing this with you?
00:00:27.360 Last week I had a conversation.
00:00:28.600 A couple comes up to me, they say they want to have dinner with me.
00:00:30.780 It's one of our employees that works with us.
00:00:32.120 They want to have a conversation with me to talk about their planning,
00:00:35.040 think about getting married, family, kids, all this stuff.
00:00:36.960 Hey, we want to get ready for this, right?
00:00:38.260 It's no problem.
00:00:39.340 What most people don't know, you don't see what I do for a living,
00:00:41.620 just like when people come here in this 11-acre property
00:00:43.860 with 150-something employees working just on this media company.
00:00:47.160 They're like, I had no clue what you do for a living.
00:00:49.040 I thought you were just a podcaster or content creator or YouTuber.
00:00:52.660 I build an insurance business nationally, 50 states.
00:00:55.780 We've licensed 60,000 insurance agents.
00:00:57.540 I sold it for multi-nine figures three years ago.
00:01:00.680 One of the most important things I would do when I would see an agent coming up
00:01:04.520 that had a shot of doing something big with their lives,
00:01:06.980 I would do a planning immediately with them and their spouse, girlfriend, fiance,
00:01:11.220 future husband, future wife, or their newlyweds.
00:01:14.400 I would sit down and have a meeting with them.
00:01:15.920 And when we would sit down and have the meeting,
00:01:17.300 we'd have two conversations together.
00:01:18.980 We have the how and we have the why.
00:01:21.920 Okay?
00:01:22.280 And a why to me was where we would start off.
00:01:25.540 I would say, so tell me about your dreams.
00:01:26.760 What kind of a life do you guys want to live?
00:01:27.920 What do you mean?
00:01:28.900 Well, go five, 10 years from now.
00:01:30.640 How big of a life do you want to live?
00:01:32.800 What do you mean?
00:01:33.520 How many kids do you guys want to have?
00:01:35.060 Oh, we want to have four kids.
00:01:36.720 Okay.
00:01:37.140 No problem.
00:01:37.900 You want to have four kids.
00:01:38.600 Oh, we do.
00:01:39.040 Yeah, we want to have four kids.
00:01:40.300 Okay, great.
00:01:40.820 So four kids, do you want to put them in private school or public school?
00:01:44.820 We would like to put them in private school.
00:01:46.520 Okay, great.
00:01:46.920 So you want to put them in private school.
00:01:48.100 Do you guys know what a private school is right now?
00:01:49.840 Roughly $1,500 a month.
00:01:51.760 Great.
00:01:52.000 So private school for four kids at $1,500 a month is $6,000 a month.
00:01:59.620 $6,000 a month is after-tax money.
00:02:03.200 I said, do you know what you need to make in pre-tax money to have $6,000 of after-tax money?
00:02:08.680 I don't know.
00:02:09.400 What do we need to make?
00:02:10.120 Depending on 30% or 40% of tax bracket you're in, you need to make roughly $9,000.
00:02:16.400 So you need to make $9,000 just to be able to put your four kids in a private school.
00:02:21.680 They look at each other.
00:02:22.940 Are you serious?
00:02:23.920 Yes.
00:02:24.920 I said, now, if you want to have four kids, would you like each of them to have their own
00:02:28.200 bedroom?
00:02:28.820 Yes.
00:02:29.480 What kind of a house would you like to have in the next five, 10 years?
00:02:32.300 We'd like to live in a five-bedroom house.
00:02:33.940 I said, great.
00:02:34.360 Okay, five, six-bedroom house.
00:02:35.820 What does it go for in an area like this within a five-mile radius?
00:02:38.840 Oh, we've looked at it.
00:02:39.600 What's the number?
00:02:40.660 It's $1.5 million.
00:02:42.300 Okay, great.
00:02:43.460 So $1.5 million house.
00:02:45.280 I said, do you know what a mortgage payment is on a $1.5 million house?
00:02:48.420 No, we don't know what it is on a $1.5 million house.
00:02:50.560 I said, okay, so you're paying roughly $3,000 to $3,500 per $500,000 loan.
00:02:57.360 Okay, so let's just say your loan is $1.5 million.
00:03:01.780 That's roughly $10,000 per month.
00:03:05.600 I said, do you know what you need to make on $10,000 per month pre-tax money?
00:03:11.780 No.
00:03:12.100 Same exact principle.
00:03:13.420 One and a half times, you need $15,000 in income to just make your mortgage payment.
00:03:19.700 That's P&I.
00:03:20.680 They look at each other.
00:03:22.060 I said, so, so far, just to make your mortgage payment and your four kids to go to private,
00:03:28.520 no one's eight, no clothes, no electricity, no car, no insurance, no savings, no fun,
00:03:32.860 no entertainment, nothing.
00:03:33.840 Just to have a house and to have four kids to pay for private school, you need to make
00:03:39.260 $24,000 a month, which is roughly $300,000 a year pre-tax money.
00:03:45.700 They're looking at each other.
00:03:47.140 I said, well, let's continue.
00:03:48.560 Food.
00:03:49.220 How much money do you think you need to spend per month for food for family of six?
00:03:53.660 What do you think that is?
00:03:54.840 I said, what do you spend right now?
00:03:55.980 Well, we spend around $1,000 a month.
00:03:57.500 What do you think it's going to be with kids?
00:03:59.260 Let's say $2,000 a month.
00:04:01.040 Guess what the math is?
00:04:02.460 Again, pre-tax, after-tax, $2,000 after-tax, you need to make what?
00:04:08.740 $3,000.
00:04:09.320 This is now what?
00:04:10.500 $27,000 we need to make, right?
00:04:13.320 Okay, stay with me here.
00:04:14.640 Now let's go to utilities.
00:04:16.640 Utilities, electricity, water, cable, Netflix, Hulu, YouTube, all the other stuff.
00:04:23.680 How much money do you think you're going to be spending on electricity, AC, pool,
00:04:26.800 everything?
00:04:27.780 What do you think that's going to be?
00:04:28.980 They're telling me, you know, a couple thousand dollars.
00:04:31.780 Let's go again.
00:04:32.280 Another $2,000.
00:04:33.200 It's going to be more.
00:04:34.440 I don't want to scare them, but let you say $2,000 a month, what's it going to be, right?
00:04:37.240 Okay.
00:04:37.840 $2,000, pre-tax is what?
00:04:40.240 $3,000.
00:04:41.440 We're now at $30,000 a month, right?
00:04:43.920 Okay, great.
00:04:44.980 Now let's talk about clothes.
00:04:46.840 How much money are you going to be spending?
00:04:48.100 Oh my God.
00:04:48.840 And so she likes nice clothes.
00:04:50.660 And he also likes nice clothes.
00:04:52.120 So they kind of smile at each other.
00:04:53.320 I said, do you want to go to Ross?
00:04:55.540 Do you want to go to Macy's that they're shutting down?
00:04:57.820 Do you want to buy your clothes on Target, Walmart?
00:05:00.180 Do you want to go to Gucci, Fendi?
00:05:02.420 Oh my God.
00:05:03.180 I don't know if we're looking at these numbers.
00:05:04.520 You got four kids.
00:05:05.420 How much money are you thinking to spend per year?
00:05:06.820 So the way to do clothes is nobody spends the same amount of money per month, but you
00:05:11.060 put a tally per year and then you divide it.
00:05:13.580 So let's just say you're going to spend $24,000 per year divided by 12 is what?
00:05:17.740 $2,000 a month.
00:05:18.600 Clothing, that's another $3,000.
00:05:21.140 We're now at $33,000 a month.
00:05:23.540 I said, okay, what nationality are you?
00:05:25.160 What nationality are you?
00:05:25.940 How many weddings you guys got?
00:05:27.280 Gifts, weddings, anniversaries.
00:05:30.860 You know, Middle Eastern wedding you go to is $150 a pop nowadays.
00:05:33.820 So it's $200, $300 as a couple.
00:05:35.820 How much?
00:05:36.280 Oh my God, that's going to be a lot.
00:05:38.020 What do you think that's going to be?
00:05:39.400 I think that's around $1,000 a month.
00:05:41.100 Perfect.
00:05:41.580 So gifts.
00:05:42.780 You got another $1,000 a month.
00:05:44.440 $1,000 a month.
00:05:45.280 That's $1,500 pre-tax money.
00:05:47.760 We're now at, what, $34,500.
00:05:51.640 Okay, what are we forgetting about?
00:05:54.100 How are you going to get places?
00:05:55.740 You need to what?
00:05:56.380 Oh, shoot, we haven't even thought about a car.
00:05:59.080 We haven't even thought about insurance yet, but let's do car.
00:06:02.000 Okay, what kind of a car do you want to drive?
00:06:04.040 Now they're starting to be cost effective.
00:06:06.520 Now they're kind of having, oh, I think we would probably drive something else and just
00:06:09.860 say, what do you think you're spending on car payments?
00:06:12.380 I don't know, $800 to $1,000 a month.
00:06:14.880 So you're going to buy used cars.
00:06:15.800 I don't think we have a choice.
00:06:18.020 Okay, how many cars are you going to have in your house?
00:06:19.880 So let's just say we spend $1,500 a month on car pre-tax, $2,200.
00:06:24.740 For the sake of math, let's just say $2,000.
00:06:26.980 Now we're what?
00:06:27.560 $36,500.
00:06:29.820 How much is car insurance?
00:06:31.200 Okay, how much is life insurance?
00:06:32.820 How much is all the other insurances that you need?
00:06:35.420 Life insurance, car insurance, add another what?
00:06:38.140 $1,000 a month?
00:06:39.260 $1,000 here?
00:06:40.680 That's another $1,500 a month pre-tax.
00:06:42.960 We're now at what?
00:06:44.560 $38,100.
00:06:46.800 Okay, now we're at $38,000.
00:06:49.720 You know what else is not there?
00:06:51.600 Savies.
00:06:52.360 You're going to put any money into your 401k?
00:06:53.980 You're going to put any money into mutual funds, stocks, bonds, Bitcoin, crypto, any kind of
00:06:58.220 investments?
00:06:59.060 Oh, we haven't even thought about that.
00:07:00.260 How much you want to save per month?
00:07:01.840 I don't know, $1,000 a month.
00:07:03.360 If you save $1,000 a month after tax, you need $1,500 a month.
00:07:07.440 So $1,500 a month, add to this.
00:07:09.260 Now we're at $39,600.
00:07:12.940 What else is left?
00:07:14.580 By the way, I haven't included entertainment.
00:07:17.780 Kids want to do barbecue.
00:07:19.300 You want to go to a sporting game.
00:07:20.780 You want to watch sports.
00:07:22.120 You want to have people come over for a Super Bowl party.
00:07:24.280 You want to do a Christmas party.
00:07:25.820 You want to do a New Year's Eve party.
00:07:27.300 You want to go out.
00:07:28.380 We haven't even thought travel.
00:07:30.040 You want to go to Vegas once a year, Hawaii once a year?
00:07:32.180 How much you want to put in there?
00:07:33.260 I was going to say $2,000, but I'm thinking $1,000 a month.
00:07:38.320 Pick your numbers.
00:07:39.560 Okay, we go $1,000 a month.
00:07:41.120 You get the idea where I'm going with this.
00:07:43.480 Now we're at what?
00:07:44.260 $41,100.
00:07:45.720 $41,100.
00:07:47.300 By the time, by the way, I can add five more other things here.
00:07:50.420 Surprises.
00:07:51.320 In-laws.
00:07:52.400 Your sibling needs help.
00:07:54.220 Your niece got into trouble.
00:07:56.420 Your nephew, your friend calls you for a charity.
00:07:59.240 Church.
00:08:00.200 Gas.
00:08:00.620 I haven't even talked about jazz yet.
00:08:04.120 So miscellaneous, add another $2,000 a month for miscellaneous, and you need to make $3,000
00:08:09.880 free for miscellaneous.
00:08:11.720 So $3,000 here, we're now $44,000 a month.
00:08:15.480 You know what's $44,000 a month times 12?
00:08:18.320 $44,000 a month times 12 is $480,000, $480,000 plus another $48,000, so you're looking at what?
00:08:25.740 You're looking at $528,000 per year to make, you need to make $528,000 a year pre-tax money
00:08:32.740 to live in a $1.5 million home, have four kids, send them to a cheap private school, that's
00:08:38.580 only $1,500 a month, drive a regular car, go to Costco, have a little bit of fun, spend
00:08:45.300 a little bit of money on insurance, save maybe $1,000 a month, miscellaneous couple here,
00:08:50.000 that's $528,000, they look at each other, and I'm like, so what are you guys thinking
00:08:56.300 right now?
00:08:57.160 Oh my God, um, Pat, how the hell do we do this?
00:09:03.460 Exactly, exactly, how do we do this?
00:09:06.960 I don't know how I'm going to do this.
00:09:08.420 So you have one of two choices.
00:09:09.800 What are the choices?
00:09:11.520 Cut two kids to only have two kids, right?
00:09:15.640 Forget the $1.5 million home, go to a half a million dollar home, okay?
00:09:20.480 You know, weddings, guess what?
00:09:22.780 We ain't going to all the weddings anymore because we can't afford to go to all the weddings,
00:09:25.940 so that's going to be out.
00:09:27.020 Hey, babe, half the invitations we're getting canceled, we can't afford to go to it.
00:09:31.840 Car, we have to get a five, 10-year-old used car to be able to barely get to, but how do
00:09:37.780 we do it?
00:09:38.800 What's the point here?
00:09:39.780 I started off the entire conversation telling about what James Sexton does when it comes
00:09:43.240 down to what?
00:09:44.280 Divorce, prenup, $1,000, only seven came back to get a divorce.
00:09:48.080 I've probably done this exercise 10,000 times in the last 25 years, literally, probably
00:09:56.540 10,000 times.
00:09:58.080 Do you know how many times of every couple I did this with, how many times they went like
00:10:02.780 this?
00:10:02.980 Oh, my God.
00:10:05.700 Oh, my God.
00:10:06.540 And I would always ask, has anybody had this conversation with you?
00:10:09.720 Nobody.
00:10:10.800 Have your parents had this conversation with you?
00:10:13.180 No.
00:10:13.900 How about yours?
00:10:14.900 No.
00:10:15.340 A friend?
00:10:16.360 No.
00:10:16.800 An advisor?
00:10:17.980 No.
00:10:18.120 A teacher?
00:10:19.240 A mentor?
00:10:20.320 A pastor?
00:10:21.460 A church leader?
00:10:22.440 No.
00:10:23.340 99% of the time, nobody has this conversation.
00:10:27.420 So let me get this straight.
00:10:28.840 We fall in love because we love each other and we get married.
00:10:31.900 We're so happy.
00:10:33.120 And then, boom, life hits.
00:10:35.780 And then we want to get a divorce.
00:10:37.420 Why?
00:10:38.120 Because we did not have a conversation like this together.
00:10:40.920 There was no needs analysis.
00:10:43.360 This is the most basic.
00:10:44.400 And by the way, do you know why parents don't have this conversation with their kids?
00:10:47.160 Because nobody had it with them.
00:10:48.880 Who had it with them?
00:10:50.440 So imagine if you're watching this right now, like, oh, my God, I wish I would have had
00:10:53.020 this conversation with my kids.
00:10:54.160 Who had it with you?
00:10:55.180 Who talked to you?
00:10:57.580 Who sat you down?
00:10:59.180 And said, what are you doing buying that jewelry?
00:11:01.900 Do you know when it was the first time I bought a Rolex?
00:11:04.100 The first time I bought a Rolex, I was in France.
00:11:06.260 I bought a presidential Day-Date.
00:11:08.020 When I bought it, I was worth probably $10 million when I bought a Rolex Day-Date.
00:11:12.800 You know when it was the first time?
00:11:14.140 This exact Ferragamo shoe is my favorite Ferragamo shoe from 16 years ago.
00:11:20.020 17 years ago.
00:11:21.340 This is my favorite time.
00:11:22.440 This is an old Ferragamo shoe I'm buying for $5.50.
00:11:25.320 I would go buy this on eBay.
00:11:26.880 The first time I bought this Ferragamo shoe, I was making $300,000 a year.
00:11:30.840 Guys are buying Ferragamo shoes, making $50,000 a year.
00:11:33.040 For what?
00:11:33.480 You don't have that kind of money.
00:11:34.820 What are you doing buying a Ferragamo shoe?
00:11:36.420 Cars, people are, yeah.
00:11:37.360 I drove a Ford Focus until I had $250,000 on the bank.
00:11:40.860 Why the hell am I going to drive a nice car?
00:11:42.320 For what?
00:11:42.820 Who am I trying to impress?
00:11:44.200 I got $250,000 in the bank.
00:11:45.660 I don't need to drive a nice car.
00:11:46.840 I got a $228 a month payment with Ford Focus.
00:11:50.940 But nobody talks about this with us.
00:11:53.000 So if you're watching this and it's a husband, I was like, oh my God, reality check.
00:11:56.780 By the way, one quick thing.
00:11:58.260 Trust me, you're not going to do this when I tell you this.
00:12:00.540 I give you my word.
00:12:01.820 Less than 5% of you guys are going to do this.
00:12:03.820 Ready?
00:12:04.240 Let me give you the challenge and tell you why most people are going to struggle with
00:12:07.340 this.
00:12:07.860 Since 21 years old, I've gone to four to 10 business conferences.
00:12:11.220 Every year, like clockwork, I invited my friends.
00:12:14.260 I invited my family.
00:12:15.460 I invited everybody.
00:12:16.420 And everybody would say, next year, next year, I got my girlfriend's anniversary.
00:12:21.060 I got my husband.
00:12:22.300 I got my wife.
00:12:23.160 I got my birthday.
00:12:24.080 I got my this.
00:12:25.120 It didn't matter what it fell off.
00:12:26.400 Since 21 years old, I went to four to 10 business conferences every year.
00:12:29.300 You know why?
00:12:29.720 Because I wanted to have this thing elevate.
00:12:31.640 And last year at the Vault Conference, 1,500 couples were in the room.
00:12:35.680 When we're at the event, there's nearly 6,000 people out of the room.
00:12:38.480 1,500 were husband and wife.
00:12:40.320 Most of the time we're talking.
00:12:41.720 There's case study.
00:12:42.880 I'm standing there talking.
00:12:44.020 I cannot tell you how many people that came up to the mic were husband and wives asking
00:12:47.180 questions about how to make business and family work at the same time because they
00:12:50.840 do not have a place to go talk about something like this.
00:12:53.480 So if you're watching this, you're saying, man, I need something like that.
00:12:56.680 Get registered for the Vault.
00:12:57.940 Three and a half days.
00:12:58.920 I host this event once a year.
00:13:00.840 Next one's going to be at Orlando, September 8th through the 11th.
00:13:03.360 If you haven't yet registered, go to defaultconference.com.
00:13:06.780 Get yourself and your spouse a ticket.
00:13:09.100 Get registered.
00:13:09.820 Come spend three and a half days so you're thinking goes to the next level and you're
00:13:12.980 around other couples.
00:13:13.800 By the way, trust me, you're not going to do it.
00:13:17.300 Less than 5%.
00:13:18.300 That's even a big number.
00:13:19.420 Less than 1% of you guys are going to do it.
00:13:21.680 You're going to say, but let me see what he's going to say next to me.
00:13:23.660 You need to be around other people so they give you positive peer pressure.
00:13:27.120 That's half the challenge of people that get you to pay attention to this kind of stuff
00:13:31.380 because the people around you are not giving you positive peer pressure.
00:13:34.320 Let me get away from that.
00:13:35.200 The link will be below for the less than 1% that want to go through something about it.
00:13:38.380 Let me continue.
00:13:39.020 So now imagine you sit here and you plan with this.
00:13:42.900 What does this allow you to do?
00:13:44.800 Mix it up.
00:13:45.940 Sit down and say, well, babe, I don't know.
00:13:48.660 What about this?
00:13:49.360 And what about that?
00:13:50.040 And what about this?
00:13:51.460 Eventually, each conversation that I have with the marriages, the husband and wives,
00:13:55.360 when we talk about the why and the how, do you know what the conversation always ends with?
00:13:59.840 The last person I look at is the spouse.
00:14:03.940 Say it's the wife.
00:14:05.700 And I'll say, so, you know, a lot of this happening is on you.
00:14:10.160 What do you mean?
00:14:10.940 That's not fair.
00:14:11.620 You're putting the pressure on me.
00:14:13.000 Well, let me explain to you why that is on you.
00:14:14.900 First of all, the husband.
00:14:16.920 Guess what you have a responsibility of?
00:14:18.440 What, you got to get out there and work your ass up.
00:14:20.520 I remember a guy, I won't say his name.
00:14:22.340 This is a guy from 19 years ago.
00:14:25.200 I'm running an office in Northridge, California, and he's with me selling insurance over a span
00:14:29.960 of three months.
00:14:31.020 He only makes $3,000.
00:14:32.720 And I say, you got two kids at the house.
00:14:34.280 Your wife's got a job doing this thing so you can make money here.
00:14:38.480 And all you're doing all day is being on the computer, watching what you're doing.
00:14:42.040 I said, let me tell you, let me see your calendar.
00:14:43.820 He takes out his calendar, shows him.
00:14:45.000 I said, you got to quit today.
00:14:45.800 You can't sell insurance anymore.
00:14:46.780 She says, why not?
00:14:47.560 I said, you're not working.
00:14:48.280 Your wife is thinking this business doesn't work.
00:14:50.160 I'm making a lot of money.
00:14:51.600 You're sitting here lollygagging all day and your wife thinks you're working.
00:14:54.420 You ain't doing shit.
00:14:55.720 Call your wife right now on speaker and tell her you're not working.
00:14:57.720 I'm not going to do that.
00:14:58.500 Well, I'm going to call her because she used to be my assistant.
00:15:01.420 I call his wife on speaker.
00:15:03.780 I said, hey, tell him, Bob, go ahead.
00:15:06.980 Tell her how you're working.
00:15:08.660 What do you mean?
00:15:09.420 Tell her how many appointments you ran this week.
00:15:11.160 I said, because Mary, you need to hear from me.
00:15:12.860 This thing works.
00:15:14.140 Your husband doesn't work.
00:15:15.520 Just today, I told him he can't sell insurance anymore.
00:15:17.540 He's got to quit and get a job.
00:15:19.000 Seriously, Pat?
00:15:19.680 Yes.
00:15:20.620 Tell her.
00:15:21.700 You're going to go get a job.
00:15:22.760 You can't come to the office again.
00:15:24.140 He left.
00:15:24.660 He was so upset with me.
00:15:26.860 I said, you're not going to come in my office and tell your wife you're working full time
00:15:29.940 and not do your job.
00:15:31.460 Your wife's got a job.
00:15:33.080 She's doing her part.
00:15:33.980 She's doing everything she can for you.
00:15:35.300 You need to now go set the example.
00:15:37.340 So now, I call him up.
00:15:38.960 Let me set the story set and come back to the wife.
00:15:40.840 Let me tell you why half the time, the challenge is the wife.
00:15:43.660 You ready?
00:15:44.340 You want to know why?
00:15:45.680 Because of one word.
00:15:47.180 And here's what that word is.
00:15:49.060 The word starts with the letter G.
00:15:50.900 What do you think that G word is?
00:15:53.100 You want to know what that G word is?
00:15:54.280 G-U-I-L.
00:16:02.700 What's the last word?
00:16:04.100 Letter.
00:16:05.480 T.
00:16:06.460 Guilt.
00:16:07.120 So you're working your ass off to grow your business or the company.
00:16:10.040 And the wife says, you haven't been spending a lot of time with the kids.
00:16:13.620 You know, the kids are asking, where's daddy?
00:16:15.280 Boom.
00:16:15.700 Scar.
00:16:17.280 You know, we're not spending as much time again.
00:16:20.560 Scar.
00:16:21.880 You know, all you care about right now is the business.
00:16:24.280 So let me get this straight.
00:16:25.340 I'm busting my ass for you.
00:16:26.860 Every day you're putting this guilt word on me.
00:16:29.220 You're destroying me.
00:16:30.720 Which one do you want?
00:16:32.220 Do we want to live this dream life and have this become a reality?
00:16:36.980 Or do you want me to be home all day with you, having a beer, drinking, watching Netflix
00:16:42.160 while we're broke?
00:16:43.680 Which one is it?
00:16:45.440 Because the reality of it is, for a period of a man's life, to get to a point that you
00:16:51.020 have breathing room, this could be 10 to 20 years.
00:16:55.040 You're going to work your ass off and life's not going to be the best for 10 to 20 years.
00:16:59.520 This doesn't mean you can't find a way to make it work.
00:17:02.720 This doesn't mean you can't.
00:17:03.680 Like for me, a couple things.
00:17:05.520 Sunday, super sacred.
00:17:07.900 I'm protecting my Sunday.
00:17:09.420 But guess what I'm working?
00:17:10.340 I'm working six days.
00:17:11.220 I'm working five days.
00:17:12.100 Trust me, this is not a popular message.
00:17:14.060 And for those of you that are watching it by now, I lost you a long time ago if you
00:17:18.200 don't believe in what I believe in.
00:17:19.260 Trust me.
00:17:20.160 But those of you that are still watching right now, you're working four and a half days and
00:17:23.280 you're trying to go to four days and you're trying to go to three days, this isn't for
00:17:29.100 you.
00:17:30.660 This is not for you.
00:17:32.240 I'm talking to the people that want to go to another level.
00:17:36.740 There's going to be a period that you have to do this and there's going to be a period
00:17:40.360 that you're going to have to work on this day.
00:17:41.640 Okay, let everybody else try to work three or four days.
00:17:44.760 You want that life?
00:17:45.780 It's going to come out of sacrifice.
00:17:47.020 By the way, you don't have to do it.
00:17:48.720 You don't have to do it.
00:17:50.020 But then you can also be married, stressed underwater, always arguing about money, challenges,
00:17:55.720 issues, divorces, your kids, two families.
00:17:58.240 Now your kid's being raised by another man, telling your kids what to do.
00:18:01.040 Another man is telling your wife what to do.
00:18:03.480 And you're another man is putting your daughter to sleep.
00:18:07.260 What?
00:18:07.620 So would you rather work on Saturdays to set yourself up so your family's being protected
00:18:14.900 by the decisions you're making that you want to?
00:18:17.940 And by the way, people go, well, that's not true.
00:18:19.840 You can still work hard on a woman, can take half your money and all this other stuff.
00:18:23.600 Yes.
00:18:24.480 The conversation started with what?
00:18:27.220 The fact that James Sexton did a thousand prenups and only seven came back.
00:18:32.660 So what's the moral of the story?
00:18:34.060 If you prepare up front and you're doing proper preparation up front to prevent poor
00:18:41.340 performance on the back end, you have an edge.
00:18:43.680 There is no guarantee in marriage.
00:18:45.700 There is no guarantee in life.
00:18:47.560 There is no guarantee I'm going to go on the freeway.
00:18:49.200 I'm going to be okay today.
00:18:50.060 There's no guarantee in any of this stuff.
00:18:52.440 But you're working everything based on this.
00:18:56.700 You want the odds on your side.
00:19:00.500 This puts the odds on your side.
00:19:03.140 There's no guarantee.
00:19:04.620 It purely puts the odds.
00:19:05.820 So if you're watching this, you're like, oh my God, my kids have to watch this.
00:19:09.380 They're dating together.
00:19:10.320 They got to watch this video.
00:19:11.740 I got to watch this with my girl.
00:19:13.340 I got to watch this with my boyfriend.
00:19:15.260 My wife and I need to watch this.
00:19:16.920 Oh my God.
00:19:17.660 We need, babe, for the first time in my life, I'm for having a prenup.
00:19:21.480 A woman's going to tell, babe, I'm for having a prenup.
00:19:24.220 Because all a prenup is telling me is what?
00:19:26.780 Get everything in order now.
00:19:29.140 And then later on, we don't have to argue about stuff because it's on paper now.
00:19:32.540 Never thought about it that way before.
00:19:34.420 And if you're watching this and you're fully upset with everything I just said, I'm okay
00:19:39.120 with that as well.
00:19:39.900 I'm not trying to make new friends.
00:19:41.080 I love my life.
00:19:42.480 But for the right people who watch this, you will never look at this whole thing the
00:19:46.520 same way ever again.
00:19:47.560 Ever again.
00:19:48.660 You're going to sit there and you're going to say, man, I wish I processed this in a different
00:19:52.000 way.
00:19:52.200 If you have any questions you want to ask me, there's only one place that I respond to
00:19:55.540 100% of the questions that people ask me.
00:19:57.120 That's Manect.
00:19:58.100 Download the app.
00:19:59.000 Ask me any questions, text or video.
00:20:00.500 You got to pay for it.
00:20:01.480 I'll respond back to you.
00:20:02.620 That's Manect.
00:20:03.100 We'll put the QR code somewhere around here for you to download.
00:20:05.720 And if you enjoyed this video and you want to go a little bit deeper, like, oh my God, this
00:20:09.780 is getting me to ask a couple of different questions.
00:20:11.420 I'm going to give you two videos to watch.
00:20:12.540 Old videos.
00:20:13.140 These are probably eight-year-old videos.
00:20:14.480 One of them titled, Who and How to Marry.
00:20:18.700 Okay.
00:20:19.040 If you've never seen this old video.
00:20:21.000 Another one is 15 questions every entrepreneur should ask before they get married.
00:20:25.440 Okay.
00:20:25.700 This one should have a green thumbnail.
00:20:27.740 This one should have a black thumbnail.
00:20:29.440 And I shouldn't be on the screen, the thumbnail of this video.
00:20:32.880 Both of them worth watching.
00:20:34.860 If you got value out of this video, give it a thumbs up and subscribe to the channel.
00:20:37.820 Take care, everybody.
00:20:38.720 Bye-bye.
00:20:38.980 Bye-bye.
00:20:39.780 Bye-bye.