In this episode, Carl shares his personal journey of growing up in a council estate in Birkenhead, Merseyside, where financial struggles shaped his understanding of money and resilience. He reflects on the hard work of his mother, who juggled multiple jobs to provide for the family, and the valuable life lessons he learned from their experiences with limited resources. Carl emphasizes the importance of setting spending limits, prioritizing self-development, and cutting unnecessary costs to build wealth. He encourages listeners to focus on the value of their expenditures rather than just the cost, suggesting that meaningful relationships and opportunities can arise from thoughtful spending choices. This episode is a blend of personal anecdotes and practical financial advice aimed at helping individuals navigate their financial journeys more effectively. KEY TAKEAWAYS Value of Hard Work : Growing up in a financially challenging environment taught the importance of hard work and resilience. Experiences from childhood can shape one's approach to money and success in adulthood. Setting Spending Limits : Establishing limits on discretionary spending is crucial for building wealth. It's important to prioritize essential expenses over instant gratification purchases. Pay Yourself First : When managing finances, especially as a business owner, it's vital to pay yourself first before addressing other financial obligations. This practice encourages financial discipline and allows for better investment opportunities. BEST MOMENTS "I came from an environment where money was always a very high pressure discussion because we didn't have it." "Set some sensible limits so you can live within the realms of what you can actually afford." HOST BIO Meet Carl Mannion, the warts-and-all host of the "Lazy Wealth Creation Podcast." From a council estate to self-made millionaire, Carl's journey is both humorous and inspiring. Despite describing himself early on as "autistic, poor, and hungry," he now proudly identifies as "autistic, doing-well, dadbod." Through candid interviews, Carl shares the highs and lows of his journey, offering invaluable insights into overcoming adversity and seizing opportunities in the world of wealth creation. Despite facing challenges like a marriage breakdown and single parenthood, Carl persevered, achieving millionaire status in his 40s. Join Carl on the "Lazy Wealth Creation Podcast" for practical advice and entrepreneurial wisdom. Whether you're starting from scratch or aiming for greater heights, Carl's relatable story and guidance will inspire you on your journey to financial freedom. This Podcast has been brought to you byDisruptive Media .https://disruptivemedia.co.uk/