Call 1 set the tone for the entire Collective. This was not a motivational kickoff. It was an identity shift. We challenged the belief that higher income creates security and replaced it with a new standard: net worth is the real scoreboard. The group faced the gap between what we teach clients and how we personally operate. We established that guessing, reacting, and avoiding numbers is over. Ownership starts with clarity. When you know exactly what you own, what you owe, and how it is moving, you stop playing emotional defense and start making strategic decisions.
The Irreversible Decision
Every participant will calculate and track their net worth starting now using the Call 1 worksheet and submit their numbers by the deadline. No more operating without a scoreboard.
This decision marks the dividing line between how you operated before and how you will operate moving forward. There is no return to guessing. There is no return to avoidance. From this point forward, you track what matters. You measure what moves. You own the numbers that define your financial reality.
This commitment is not about perfection. It is about presence. It is about facing the truth of where you stand today so you can design where you will stand tomorrow. The agents who succeed in this program are the ones who stop negotiating with themselves about basic disciplines. Tracking your net worth is not optional work. It is foundational work.
What You Must Remember
These principles are not theories to consider. They are truths to internalize. Each one represents a fundamental shift in how Wealth Builders think, operate, and make decisions. Review these regularly. Let them challenge your defaults. Let them reshape your habits.
Income Does Not Equal Wealth
Net worth determines financial strength. High earners can be broke. Modest earners can be wealthy. The difference is what you keep and grow, not what you earn.
You Cannot Improve What You Refuse to Measure
Awareness drives behavior. Without data, you operate on feelings. With data, you operate on facts. Measurement creates accountability.
Wealth Builders Focus on Assets First
Everyone else focuses on debt first. Your energy follows your focus. Build what you want to grow. Manage what you want to eliminate.
Avoidance Creates Anxiety
Clarity creates control. The numbers you avoid do not disappear. They compound. The numbers you face lose their power to control you.
Identity Drives Outcomes
If you see yourself as a Wealth Builder, your actions follow. You do not need willpower when your identity is aligned. You simply act consistent with who you are.
Watch or Rewatch the Call
The recording of Call 1 is available for review. If you missed the live session, watch it in full. If you attended, consider rewatching key sections where concepts landed differently than expected. Pay attention to the moments where discomfort surfaced. Those moments signal growth edges.
Use the recording as a tool for reinforcement. The work we are doing requires repetition. Hearing the message once is not enough to rewire years of conditioning. Listen again. Take notes. Identify the beliefs you need to replace and the new standards you need to install.
This deadline is non-negotiable. The homework you complete this week sets the foundation for everything that follows in the Collective. If you do not submit your work, you fall behind immediately. There is no catching up later without this baseline.
Completion is not about being perfect. It is about being present. It is about doing the work when the work is due. Late submissions signal to yourself that deadlines are flexible and standards are negotiable. That is the identity we are leaving behind. Wealth Builders honor commitments, especially the ones they make to themselves.
If you are stuck, ask for help. If you are confused, reach out. If you are avoiding, acknowledge it and move anyway. But do not skip this. Your participation in this program depends on your willingness to engage with the uncomfortable work that produces transformation.
The worksheet provided is your tool for clarity. It is designed to guide you through each step of calculating your net worth and projecting your financial position. Do not skip steps. Do not estimate when you can verify. Do not leave sections blank because they feel uncomfortable to complete.
This exercise will reveal gaps. It will surface debts you have been minimizing and assets you have been overlooking. It will show you exactly where you stand. That clarity is the point. You cannot build a strategy without knowing your starting position.
Use current income and the 8 percent rule. Take your annual income and divide by 8 percent. This number represents the asset base required to replace your current income at an 8 percent return.
02
List All Assets
Include every account and ownership position. Retirement accounts, brokerage accounts, real estate equity, business equity, cash reserves. Everything you own that holds value.
03
List All Liabilities
Include all balances and debts. Mortgages, car loans, credit cards, student loans, business debt. Everything you owe that reduces your net position.
04
Calculate Current Net Worth
Assets minus liabilities equals net worth. This is your baseline. This is the number that matters more than your income, your title, or your lifestyle.
05
Estimate February 2025 Net Worth
This is intentional projection. Where will you be one year from now if you execute the strategies we build together? This number creates a target and activates intentional planning.
06
Complete Chapters 1 and 2
If you have not finished the assigned reading, do it this week. The concepts in these chapters support the work you are doing in the worksheet.
Why Net Worth Tracking Changes Everything
Most financial agents operate without a personal scoreboard. They help clients build wealth while remaining unclear about their own financial position. They teach principles they do not consistently apply. They advise on strategies they have not implemented. This disconnect creates internal tension and limits effectiveness.
When you track your net worth, you close that gap. You become the person who practices what you preach. You gain firsthand experience with the disciplines you recommend. You develop conviction that comes only from personal proof. Your clients feel the difference. Your confidence shifts. Your recommendations carry weight because they come from lived experience, not borrowed theory.
Net worth tracking also exposes blind spots. It reveals spending patterns you were unaware of. It highlights accounts you have been neglecting. It shows you where money is sitting idle instead of working. These insights become opportunities. The act of measuring creates the awareness needed to optimize. Without tracking, these opportunities remain invisible.
What Happens Next
The next three months will build on the foundation we established in Call 1. Each session will introduce new frameworks, challenge existing assumptions, and require deeper levels of ownership. The work will not get easier. It will get more specific. It will demand more honesty. It will require more action.
Your success in this program depends on your willingness to stay engaged when the work feels uncomfortable. Transformation does not happen in the sessions. It happens in the space between sessions when you execute the assignments, confront the resistance, and choose action over avoidance. The agents who complete this program are not the ones with the most talent. They are the ones with the most discipline.
This Work May Feel Uncomfortable
That is expected. Discomfort means you are no longer avoiding the numbers. You are owning them. Discomfort means you are confronting patterns that have been running in the background for years. It means you are choosing clarity over comfort. That choice is what separates Wealth Builders from everyone else.
The agents who resist this work are the ones who stay stuck. They continue teaching what they do not practice. They continue advising from theory instead of experience. They continue operating with anxiety instead of control. The agents who lean into this work gain something irreplaceable: alignment between who they say they are and how they actually operate.
You can do this. Now you are doing it by design.
This is not aspirational language. This is operational truth. You have the tools. You have the framework. You have the deadline. What remains is execution. Complete the worksheet. Submit the homework. Take the three actions you identified. Do not wait for motivation. Motivation follows action. Start, and the clarity will come.