Cosmos

Welcome back to the show, my fellow extraordinary Americans. Today’s guest is Hannah Kessler. Hannah is a Kansas girl who began her financial journey at 18 while working as a waitress at Cracker Barrel. 

By the age of 24, she had become a millionaire. She is a key component of the Money Multiplier, a wealth consulting group that helps its members preserve, grow, and pass on more of their wealth. 

She helps bold, freedom-driven women entrepreneurs and next-generation leaders take control of their money, build generational wealth, and break free from the financial systems that weren’t designed for them. Through education, strategy, and candid conversations, she teaches you how to become the bank, so you never have to play by the old rules again. 

She’s also the host of the Money Multiplier podcast and has been featured on ABC, CBS, and NBC. She’s an extraordinary American, and I’m glad to have her on the show. Hannah, it’s so good to have you on the show. I appreciate you joining me on this podcast.

Hannah

Hello, everyone. I’m glad to be here, and I’m even more excited to discuss my favorite topic: money.

Cosmos

That’s awesome.

Hannah, can you tell me and the audience a little bit more about yourself? Your story, your background, how you got started?

Hannah

Yeah. Yeah. So I am a Kansas girl. I was born in St. Louis, but I moved to Kansas City at a young age. That’s where my father, if you tuned in, Brick Kessler. So that’s my dad. That’s the relationship there. And, he was actually a chiropractor. So, he and his mom wanted to start up the chiropractic office in the Kansas City area. And that’s where I was raised. 

To be honest with you, I had a truly phenomenal childhood. And that’s really where I found a lot of my entrepreneurial spirit. You know, Dad is a business owner. My mom was running the billing side of the chiropractic office and then also doing billing for other chiropractors. And I’ll be honest, you know, know, they went out when they were building this company, the Money Multiplier. Mom and Dad were often on the road. I mean, they missed my volleyball games. They were not there during the big events in my high school years. And honestly, it led to a lot of turmoil and almost anger towards them. And I didn’t realize that at such a young age. But now that I’m older, I can kind of see what happens there. And to be honest with y’all, I fell into the wrong crowd. When I was 16 years old, that’s when I had my first whiff of cocaine. 

And honestly, I got hooked on that stuff. Luckily, I made the 180 shift to switch my life around, and I stopped that crap, and I was no longer involved with those people. And that really led me to building this business, having the right mindsets, and just understanding that, oh my goodness, time is the only resource that you can’t get back. So, why am I spending this time with people who have these things that are just clouding my mind with all this busyness, you know? And that’s really what led me to leading with more intention, living in alignment with myself so that I can have a more purpose-driven life. 

So, long story short, now I’m over here in Daytona Beach, Florida. So that’s where I call home. I moved here in 2018 at the age of 19. Then the rest has just been amazing. Amazing. I’ve been traveling around the country, spreading the message of the money multiplier method and sharing my own story. 

And I’ll tell you this: the more human and humble you can be in your story, the better people connect with you. They have that human connection, which makes this not just a traditional advisor. They’re not just putting on this front or this show. They can really connect with you on a deeper level. 

So I never like to talk about my history, and to be honest with you, I kind of black it out of my mind because of how embarrassed I am about it. However, I noticed that when I use it as a tool to connect with more people, it’s. You really attracted my tribe that I have here today.

Cosmos

Hannah, this is an amazing story, where many people go through a difficult time, reach the bottom of the well, and then they want to rise. But that’s how they see inspirational stories, and then they want to know how it happened.

So, my next question is, I know you started as a waitress at 18, so the audience wants to know how you transitioned from there to becoming a millionaire within a six-year timeframe.

Hannah

Yes. So being a waitress at Cracker Barrel, let me tell you, I loved it, all right? I loved connecting with the people. I have a very outgoing personality, and as a matter of fact, one of my regulars literally bought my childhood house in Kansas City, where they’re now raising their family. However, I loved Cracker Barrel because what was so cool about it was that there was no tip sharing. Okay. So, I had to determine how much I made based on how quickly I wanted to turn my tables and how well I took care of the guests who came in. 

And that really fueled my entrepreneurial spirit as well. And I remember this, it was on my 18th birthday, okay? This money multiplier method and what we teach is actually called the infinite banking concept. How to become your own banker. Getting out of the commercial banks means stopping the Fed or the government from dictating our lives and what we do. So my father introduced this to us when we were very young. I kind of made the joke when I was pooping in my diaper. Dad was discussing a banking concept with us. So I’ve grown up around it. And I remember on my 18th birthday, my pops walked into Cracker Barrel. I was working the 7 to 2 shift, and he said, ‘Okay, you’re off the clock now.’ We’re going to drive over to Commerce Bank and close your savings account. 

And what we’re going to do with that money is you’re going to put your money into your own bank now, and you’re going to start your first policy, becoming your own banker. One quirky aspect of the concept we teach is that you must be 18 to own a policy. And we’ll delve into the specifics of what a policy entails, which I’m discussing, but you must be at least 18 years old to own one. That’s when, on the day I turned 18, Pop said, ‘We’re closing your savings account. Put this money into your policy, and now you’re going to conduct your own banking business within your own life.’ And I even remember, too, my first-ever purchase with my policy was my MacBook computer, which I still use to this day. I mean, those suckers are pretty expensive. They’re $2,500, you know. I was able to buy this computer, my first-ever purchase, through my own bank. And now I recycle and recaptured all of that money back to myself. Because I received those payments rather than the bank or another financial institution receiving them from me, and I just made them wealthy. I’m now making myself wealthy. That was the first-ever purchase. But just to fast forward, I bought cars. I love to travel and live the nomadic lifestyle. I have a conversion van that I purchased and got all the money back for. I just bought myself this new condo on Beachside, you know, and I’m getting all the money back from that. 

So, it encompasses everything I buy in life, including my investments, as well as my role as a major private lender in the real estate sector. Everything is fueled and funded through my own banking system.

Cosmos

Well, Hannah, this is amazing, right? And I interviewed your dad, obviously, and he explained a little bit about the infinite backing system. 

But for the audience watching this, can you tell us more about how this actually works, where you become your own bank and start accumulating wealth through that?

Hannah

Yeah, because here’s the thing, y’. All, you know, first of all, we’re not taught about money, okay? I graduated from high school in 2017. I don’t even know how to write a damn check when I graduated high school, all right? They just don’t teach us about this stuff. 

And so when we go out there, we produce our dollars because you’ve got to make money to live on this God given earth we call America. Right? And then when I produce my dollars, well, what are my options? I could leave it down at the local bank because, well, that’s just where they keep the money. And then what these bankers do is they use our money, lending it out to you or to other people, and they make a good living using your money. 

So that could be an option. Or, you know, I could leave it underneath my mattress or dig a hole in the backyard. I could keep it there, but I don’t really want to do that because then I’m subject to theft, fire, flooding, or, you know, the hidden tax, which I’d like to call inflation. So, I don’t really want to do that. Alternatively, my final option is to leave it with the financial advisor, who believes they can manage my money more effectively than I can. 

And that’s all the options we’re providing. Instead, I put my money inside a whole life insurance policy. This must be designed specifically to have a high immediate cash value. In this whole life policy, when it’s designed properly for the infinite banking concept, I immediately put a dollar or my premium deposit into that policy. And my definition of ‘immediately’ is within 30 days; there’s a cash value there that I can take from and start using for literally whatever I want. 

And so, when you really start to research a properly structured whole life policy, you’ll start to see the benefits. This entire rabbit hole is what the Rockefeller family is involved in. The Rothschilds, the Morgans, the Stanleys, the Barcays—you know, this is really how they kept and created wealth and kept the money in the family. In fact, conventional banks are the number one purchasers of whole life insurance in the world. And it’s okay, well, why are banks buying up so much whole life insurance? Are they stupid, or do they know something the rest of us just don’t know about? And they probably know something and research that. Go check out Boli B O L I. If you Google that, it stands for bank-owned life insurance; you can see the hundreds of pages that come up of how much whole life insurance these banks own.

Cosmos

 Wow, Hannah, there’s so much to ask over here, right? Because obviously, our generation is living paycheck to paycheck. As you mentioned, a stealth tax is occurring through inflation, and people are accumulating debt. 

For the sake of the audience, if someone is living a normal 9-to-5 job and then they’re just going from one paycheck to another, from your perspective, how should they go about changing their life?

Hannah

Yes. Okay, so number one, you gotta track your stats. Okay. If you’re not reviewing your financials monthly, it’s almost like flying through a black box.  I make the joke. I mean, some people, when they don’t look over their money, they have checks left on the counter, and they still think there’s money in the bank. And it’s not that you need to analyze the cash flow in detail. 

So, actually, a huge app that many of you may be familiar with is called Rocket Money. I love Rocket Money. I actually just introduced my 16-year-old niece to it, and she’s, oh my gosh, I didn’t realize how much I was spending at Starbucks every single month. 

So when you know and you get intentional about yourself spending, you will know what to do. That’s just an automated app I use. I pay the app five bucks a month, and it tracks all of my personal expenses and spending. However, even if you don’t want to do that, you still need to have a T chart. Almost create that T chart, and then on the left-hand side, write down all of your income, the active income, the passive income. Heck, it could be a check in the mail from grandma for your birthday. Write down all of the income that came in that month. And then on the right-hand side of the T chart, list out all of the expenses, all of them. 

And the goal is, obviously, not to spend more than what you make. Hopefully, we’re not just breaking even every month, but rather tracking the money you’re keeping. Because my father has always taught me, it doesn’t matter how much you make; what matters is how much you keep. So those keeping dollars, in my humble opinion, that’s the money that should start flowing towards your own banking system. E. The whole life policy.

Cosmos

Wow. So right now, from your perspective, let’s say somebody’s in their early 20s, right? Or they have just turned 18 and are entering the world, facing constant inflation.  In the aftermath of the pandemic, they have just noticed that banks print trillions of dollars, and they’re examining this, only to find that their savings are being eroded. Do you think they should start, in terms of their education, by learning how banks truly operate to gain an understanding? I believe that most of the population currently lacks knowledge about how their money has been taken from them.

Hannah

 Yes. Yeah. No, and that’s the biggest thing. Because now, honestly, here’s a big resource. I wrote a full book review of this on my podcast show. The book is called “A Creature from Jekyll Island.”

Cosmos

And I’ve actually started reading that book. Yes, I had both the audio and the book. But it’s, it’s just so fascinating. But go, go on.

Hannah

 Yes. No, and it is. And Edward, Griffin is the author there. It primarily discusses the creation of the Federal Reserve System and our modern banking industry in America. Because to be honest with y’all, the Federal Reserve, it’s not federal, and there’s effing reserves. Pardon my French. So, when you start to understand the banking business in your life, I’ll even say this: my mentor, R. Nelson Nash, is not the inventor of this concept. Still, he is the gentleman who brought this concept to the public’s attention. 

And everything that I teach comes from this black book, becoming your own banker. But before Nelson passed away in March 2019, I sat down with him, and he said, ‘Hannah, you want to be in two businesses in your life.’ The first business is the one that you’re passionate about. It gets you up out of bed every day, supports the family, supports the lifestyle. But then the second business is the Banking business, the business that finances everything throughout your life, and that’s what we’re here talking about, the banking business. Whether you realize it or not, you finance every single transaction. That’s why you either give up the interest you could have earned on that money, AKA paying cash for it, or you pay out that interest to somebody else, AKA bank financing it. We believe that there’s no alternative way to conduct our banking business. 

So, cosmos, to answer your question about the inflation, this is exactly why I added the one additional step of running my money through my policy. First, that’s my warehouse of my wealth. And then, through my policy, I buy the product, the service, the investment, whatever it may be. Because when I add that one additional step, I’m no longer losing interest earned on that money. What I mean by that is that when the money flows through my policy, the time clock for uninterrupted compounding begins, and I will receive that dollar for the rest of my life. Now I’m hedging against inflation because I have this uninterrupted compounding tailwind, if you will, behind my money and my financial life in the warehouse where I’m keeping it.

Cosmos

Yeah, I mean, it’s, it’s a very, it’s actually crazy how few people know about how the banks actually work. Because if you realize that banks are literally printing money out of nothing. Let’s just think about it. It’s that they’re printing money out of nothing, right?  They simply print it in a money printer, and then they charge interest on the money they print, or nothing. And then they get the first choice to buy stuff with that. 

And then, this spreads across society, diluting everyone’s purchasing power, because one of the things that led me to start Extra America was the concept of purchasing power: if you continually print money, it dilutes everyone’s purchasing power. You have no pay; it’s not pegged to gold, silver, or any other commodity that dilutes the value of each dollar. 

Because, if you look at it in the 1970s, you could buy more stuff with $20.  You could fill your entire car with groceries. And now, how much can you actually buy with it? People need to understand how their purchasing power is diluted over several years and how banks essentially steal money by printing it. It’s actually quite wild.

Hannah

 And that’s why I always say that there’s. There are things that I would love to see in my lifetime. I don’t know if I’ll see it in my lifetime, during my youthful years, at 26. But in my opinion, number one, Nixon, you should have never taken our dollar away from the gold standard. So we need to tie our dollar back to gold. And then, number two, we need to abolish the banks. That’s just my humble opinion. But, as you get deeper and deeper into this and start to peel back the onion, you’ll kind of agree with what I’m saying.

Cosmos

No, I mean, the deeper, I. I think that if everybody started getting deeper into it, they would. It would amaze them, right?

But, but back to this thing, on a practical level, for an individual,  a Gen Z person or a millennial watching this, right? Now, they’re going to a 9-to-5 job, and then they want to start accessing more educational resources, essentially. But there’s A lot of information out there online, right? It’s. It’s just, where do I look? There Scams. Many people say many things. 

So, how would they go about obtaining the right information or educating themselves? There’s the book, The Creature from Jekyll. But from your perspective, what is the method? What method should they use to find the right resources?

Hannah

Yes, no, and honestly, I would say it really starts by reading books. Okay. And I have a whole bunch of books I can recommend to you. I mean, even if you email me, Hannah, Hannah. Spelled the same way forwards and backwards. Hannah, @themoneymultiplier.com, I have our eBook, “Mapping Out the Millionaire Mystery.” I can send you. I have my book, The Single Millionaire Chick, that I’ll send you. But to be honest with you, I think it’s really finding the people that you see living the life that you want to live and just mimic them, ask them questions, and just copy and imitate exactly what they’re doing. Don’t try to reinvent the wheel, right? To just mimic those people, the life that you see that they’re living. And you’re, hey, how did you do that? How could I do that for myself? I think that’s the best way for you to really learn. 

Because, yeah, you can always go to YouTube University and listen to podcasts, read books, but I think it’s having somebody around you. And if you don’t know where to find those people, reach out to me and I’ll introduce you to some groups, local meetups, and more. Etc. But I think it’s really just getting together on a one-to-one connection, even in a group setting, and asking those questions, and then actually implementing them. Okay. Many people ask these questions, but then they fail to implement what they have actually learned. So, it’s just taking those steps and actually doing it once you have this information.

Cosmos

Yeah, Hannah.

And, and one thing I wanted to know, from a, ah, mindset perspective. Right. So, at the age of 18, you were a waitress, and by 24, you had become a millionaire. What was the biggest mindset shift or paradigm shift you had over these six years? And how did that change you as a person?

Hannah

Yeah, honestly, it’s acting out of abundance. I know this is going to sound clichéd, but acting out of abundance rather than a scarcity mindset has totally shifted my business and even my personal development. Because when you first start a business, it’s all about me, me, me – how can I make more money and grow my business this way? But if you start to shift that mindset, how can I solve this person’s or my ideal avatar’s problem and provide a solution that will benefit you? Anyway, there’s a quote I think about almost every single day of my life, and it’s actually a quote by the late Zig Ziglar. And he says if you help enough people get what they want, you, in return, will get what you want. And I’ve just noticed when I just start to give, give, give, that comes back to me anyway. Okay. 

So, that would be my strongest advice: don’t limit yourself to a single mindset. Here’s the thing, too: You don’t have to own the ocean to sail on it. All right? Collaboration is so much more impactful than competition. And just button heads with that same individual who’s within your industry, think about what y’all could do if you just collaborate more. Because I always think about you. All. Approximately 330 million people are living in the United States. 10% of that is 3.3 million. You know, there’s so much. Suppose I can just have a tenth of the 10% that opens you up to all these other people. 

So there’s so much business to go around. I would highly recommend collaborating with those individuals in your organization who share your demographic, and then also providing and finding solutions for them. Because when you do so, it’s just going to reward you anyway.

Cosmos

Yeah, I mean, it’s. What you just said is so true about the abundance versus scarcity mindset. Right? So when. But here’s the thing. Most people are living paycheck to paycheck, but they want to reach the next level. 

So from your perspective, right? So let’s say somebody is doing a job right now, but they want to. They have to shift their mindset to start making a big amount. A lot of wealth. So how would they go about shifting their mindset? Gradually, to the point where they had the mindset of the millionaires

Hannah

It’s definitely. Okay, this is going to sound a little cliché. I have vision boards, okay? And I know some people don’t believe in vision boards. But I’m telling you, when you look at that stuff every single day, and when you write down those affirmations for yourself, even if you don’t feel it. Still, when you start talking to yourself, and you show up as that future person you want to be, you’re going to find yourself standing there, and you’ll say, ‘ Oh, my gosh, just three months ago, I didn’t have this same mentality or mindset. ‘ But now, it’s just second nature, where I’m showing up as this future, improved version of myself. 

So even if you don’t feel it today, fake it till you make it, almost right. You will start to feed your unconscious mind and begin to shift those habits and thinking patterns that you exhibit. I’ll tell you this. I actually learned this just this past week, while hosting a Women’s Mastermind retreat in Acapulco, Mexico. And one of the gals, she says, you know, I heard this gentleman get up there, and he was backstage, and he had his microphone turned on. He had no idea that it was turned on yet. And he was about to get out on stage and talk to the thousand people who were there.

Luckily, he had the correct mindset, where he was speaking well to himself. Right? It’s not that he was backstage talking all this crap and nonsense to himself. You know, he had a good mentality that, even though his microphone was turned off, offstage, he was still practicing the same habits as if he were on stage. 

So I would just encourage you all to always think about whether you have that microphone on and it’s. You think that it’s turned off, but it’s actually on. What are you saying to yourself? What are your thoughts about what you’re doing? What are the habits that you’re doing? And is that really leading you down the road you want to go? I hope that makes sense. But I just thought that was a powerful story because sometimes you can get into self-doubt, the imposter syndrome, and different things. After all, trust me, I get it. I’ve been there.

Cosmos

No, Hannah. And I wanted to. Yeah, that’s the last part. That’s exactly what I was thinking, the imposter syndrome.

I was going to ask you about that because, you know, when you have the old self, right? And then, in my case, when I had the old version of myself, in my early 20s, I was a completely different person. And then, in my transition into my early thirties, I went through a period that was kind of the caterpillar-to-butterfly transition. Or somebody is getting rid of their old skin and taking a new one. Right. 

So, there’s a subconscious element in the mind, and I’m not sure if you experience this or not, that says this is not you. What are you doing? Right? And then there’s a battle between your old self and your new self. Newer self that’s emerging. Many people experience impostor syndrome. 

So, from your perspective, how would they go about getting through that as they evolve into the new stage of themselves?

Hannah

 Yeah. You know what I say? Honestly, I have this, almost a mantra or affirmation, literally. Today, Cosmos, I just had a TV appearance, and I’m thinking to myself, ‘ Who wants to listen to this 26-year-old on TV talk about money, right? ‘ And you get in your head a little bit. And so, actually, I have this thing that I say to myself: show up as the celebrity version of yourself before you even feel her. So I’m showing up; I’m going to look a million bucks. To be quite honest with you, I feel a bit under the weather today. I kind of got some post-nasal drip going down my throat today.

But I’m showing up as my celebrity self, with the energy, the enthusiasm, the bright colors. The hair done, the makeup done. Even if I don’t feel her because I know that’s the direction I’m trying to go. I think, honestly, it’s just being clear about your intentions for why you’re doing specific tasks, whether it is your appearance, mindset, or the busyness of work. Or through your friendships and relationships. But I think just being intentional about that.  I finally, finally had it clear.

Click where I understand what it means now to be truly intentional about everything I do. The foods I’m eating, and how I’m spending my time by saying no to people. Sometimes that’s hard for me, especially being a recovering people pleaser. I hear you all, but I’m telling you, you are going to live a more fulfilling and happier life if you start to conform. You can’t conform. You’ve got to keep going towards the. That creativity for yourself and your business. I’m not sure if that answers your question, but there are many ways.

Cosmos

To go about it, right? Some people simply adapt, while others derive comfort from their new situation. However, it’s an ever-evolving process because we are continually undergoing transformational growth on a personal level. 

And even our business life is a part of that because it’s ultimately about how we view ourselves, internally and externally. How we perceive ourselves internally becomes an external reflection; ultimately, we have to be very careful about the thoughts we have in our minds.

But, Hannah, in this decade of transformation that you had, from 18 to now in your adult life, what is the biggest revelation you had regarding money and just finances and the entire world that we live in?

Hannah

Yeah, honestly, number one, nobody’s going to make it happen for you. So you have to get out there and do it for yourself. Nobody’s going to care more about you, your business, or your money than what you do. 

So, you have to get serious about it. You need to take action with it instead of leaving it up to others. And then, honestly, my second one would be learning how money is actually controlled and given meaning. This is what we say within the Kessler family. Your dollars are your little green men. And the objective of them is to go and put your little green men to work for you so that you’re creating an army of green men that are out there working, so that you no longer have to go out and trade your time for the green men. You know, you’re making that shift where my Green men are out there working. 

And then now I can take the time freedom back, the location freedom back, and I can sit my butt on the boat on a Wednesday afternoon if I please. And that’s just what I want to do. Because time, again, time is the only resource that you can’t get back. You can always have more tangible things. You can always have more money; you can make more money. But at the end of the day, time freedom is really what people are chasing. And when you understand how to put your little green men to work for you, you know that you can now take back that time freedom for yourself. That. That’s the biggest thing that I’ve learned. 

And I’ll tell you this because I know many of the folks listening are within my demographic here. I’m 26 years old as of this month, August 2025. And so, when I was younger, my father taught us kids this lesson because he said, ‘Hey, guys, instead of leaving your money at the bank, give it to me.’ Give your money to me. I’ll pay you 10% interest on it. And every month, I will pay you those interest checks on what you collect. And that has really taught me, as a second habit in nature, that money is made in the motion of it. I don’t just let it sit there to rot, right? 

I really want it to be out there, working with the in-motion part of me. So a lot of y’all with the 401ks, the IRAs, kind of think about, why are you actually leaving the money there? Because here’s my question. I’m good. I’m going to ask y’all, number one, is a dollar worth more today or in the future? 

Today, Money is worth more. And number two, when you have money in those types of accounts, you have to pay taxes on it, right? Well, our taxes are going to go up, or are they going to go down? They’re going to go up. And if taxes don’t go up, aren’t we taxing them more crap all the time? And then the third thing is, when you want to pay tax on your money, do you want to pay tax on the small amount, the seed, or the large amount, the harvest? Hopefully, you say the small amount, the seed. And I agree with all three of those answers. However, you are all totally violating these principles by putting your money and locking it up in traditional retirement accounts. 

But I get it, right? Because when you go out there and start working a new job, your employer almost forces you to sign up for it. I know this firsthand because my brother’s 24. He’s a charter pilot for a company called NetJets. And all these big guys who have been flying for many years are crazy for not putting money into a 401(k). And it’s just because they don’t get it. It’s not conventional thinking of why we handle our money the way that we do. But just follow what the wealthy folks are doing. Don’t re. You don’t have to reinvent the wheel. Just copy and imitate what those elite families are doing. And I’m telling you, there’s a trend here.

Cosmos

We have to think the way they’re thinking, and then that’s when the ball game changes. And then… Yes, it’s just a matter of transitioning from one mindset to another.

It’s a profound journey in itself, you know, but, you know, for our generation, right, you know, American identity is about freedom. But on the financial front, most people are not free. I mean, that’s why I started Extraordinary America. 

So, from your perspective, what do you think our generation needs to do differently to reclaim their true identity of freedom? On the financial front?

Hannah

 Yes. So, actually, it’s one of my favorite questions, because one thing I’ve been researching very deeply into is actually business acquisitions. You know, there is a big pool of individuals. Let’s just say it. They’re the baby boomer generation. They are going out. You know, they are owners of many small businesses that we have here in America. Additionally, large companies are entering the market and acquiring smaller businesses. 

And I’m telling y’all, it’s almost creating a big monopoly here within the country that I now have a huge passion for small businesses, because I do not want to live within a country where it’s totally monopolized and just run by one organization or a few big companies. You know, that’s a really cool thing. And I think what attracts many foreigners to America is the freedom to make choices, to have decisions, and the rights that we do have. But it’s kind of getting gobbled up by a lot of these bigwigs that are out there enough to sound so political, because, trust me, I’m not very big on the political spectrum. I need to check on what’s going on, but I really need to stay out of it.

But there is you know, there’s a lot of people that are moving out, selling their business and these bigger companies are coming in. It’s, how do we still keep and hold that control at the you and me level so we don’t have to conform or you know, as Blackrock was saying, hey, this is going to be a great society. Everybody will be happy to rent. What do you mean, I’m going to rent? I want to own a baby, baby. That’s why I’m here doing the stuff that I’m doing, right?

Cosmos

Yeah, for sure. I mean, yeah, this is something that our generation has to face, you know, because most people are just becoming aware of the fact that their inflation is constant, they’re getting into debt. Then there will be no easy way out until they take matters into their own hands. And in your case, becoming your own bank. Right. 

Because ultimately, you have to learn how everything works. How money works, how business works. And it’s, you know, imagine playing Monopoly and you only know five or six of the 27 or 30 rules, whereas all the rules are about whether you’re going to win or lose. You know, it’s kind of that.

Hannah

100%. 100%. So, here’s my biggest advice: to provide actionable steps behind this. You know, step one is to have clear intentions about what you’re doing, why you’re doing it, and those intentions are going to change what you care about today. I’m telling you, in three to five years from now, those priorities will be different. 

So, you know, so just number one, have your clear intention of what you’re doing, why you’re doing it. Number two, you need to understand the cash flow that’s coming into yourself. What I do is that on the first Wednesday of every month, I have a 9 am meeting tonight, and 12 pm is blocked out of my calendar. And that’s when I do a personal audit review for myself. And hey, I’ll be your accountability partner. You all reach out to me, and we can have some one-on-one conversations. 

So that should definitely be the second step. Number three is where I store my money, and am I in control of it? In my opinion, that’s my policy. And then number four is, how can I make this money? They actually go and do something for me, whether it is paying off debts or finding those investments that provide guaranteed fixed returns. 

And y’all, I’ll be honest, I’m not a markets girl, okay? I have no money in the stock market. I have no money in 401(k)s or IRAs because I want to control the risk associated with how I invest my money. That’s why I’m a huge advocate of real estate. And I’ll tell you right now, I got into real estate when I was 20. Gold. No, you do not have to have a boatload of cash to get into real estate investing. Okay? There are just a whole bunch of different layers that you can explore. But my biggest takeaway is that having clear intentions for why you are doing what you’re doing is essential. So you didn’t. Don’t get caught up in all this busyness.

Cosmos

No, I mean, for sure, Hannah. There’s so much to it. However, these are definitely actionable steps that the audience can take to achieve financial freedom. And Hannah, you have a podcast called the Money M Multiplier Podcast. Can you tell the audience a little bit more about that?

Hannah

Yeah. So every week on Tuesdays, I hop on and talk about anything money-related. This week, I’m going to be talking about invisible income, AKA tax-free income. But, just anything money-related. What to Do After You Get Paid: We discuss how to enter the realm of incident investment and creative financing. 

So anything money-related. You can also see me and talk to some guests on there as well. And then, actually, Cosmos, if it’s okay. I actually just started my new Thursday morning live streams, so that’s been kind of fun. It’s Monday mornings with Hannah, at 9:00 a.m. Eastern time every Thursday. 

And if you follow me on my social media accounts, you’ll see when I go live on Facebook, YouTube, Instagram, TikTok, etc. Those have been kind of fun because I get to interact with people in the live chat and almost do a live Q&A.

Cosmos

That is awesome, Hannah. I would, and I would definitely recommend that my audience check out your podcast to learn more about money and how it works.

And Hannah, is there anything else, any other projects you’re working on right now that you’d like the audience to get a glimpse of?

Hannah

Yeah, you know, I personally have eight of my own policies, you know, so I just eat, live, and breathe, read this stuff, and you’re probably thinking, well, Hannah, why do you have eight? We can discuss that further offline or on my podcast show. I’ll explain it there. But, but really, my whole goal, and actually, this was my goal for myself this year. I wrote it on my vision board, as I wanted to achieve $10,000 per month in passive income. I’m pleased to report that I’m currently earning $9,587 per month. 

So we’re almost there. However, I’m setting clear goals for myself so that I know what I want to achieve throughout the year. Because we often underestimate what we can accomplish within a year when we have clear intentions for ourselves. But. But that’s really all that I’m doing. I have my policies, and I also offer private lending services for real estate. Yeah. You know, I dabble a little bit in crypto, but I’m not a huge crypto nerd. Hurt. I’ll just be honest with you. But, But. But those are just really the things that I’m personally doing right now. Because again, just put your little green men to work for you. That’s the objective that you have.

Cosmos

That is awesome, Hannah. And Hannah, how can the audience connect with you and learn more about you, your company, and everything you do, if they so desire?

Hannah

 Yeah. You can learn more about me on HannahKessler.com, where you’ll find all the details about me. You have my phone number, so please don’t hesitate to reach out. I’m here to help, you know, because I get it. I was in your shoes when I was 18 or 19. 

And fortunately, I’m blessed to have a good family that shows me the way, teaching me what they’ve learned. They actually shared the message with me. That’s just my passion; I want to share what I’ve learned with you all and what I’m doing in my own life.

Cosmos

This is great, Hannah. And Hannah, I’m so grateful that you took the time to come to this podcast and share your story, as well as a little bit about how money works. 

To be honest, we need to know this for our generation. The world in the 1950s, or earlier, is no longer the world that we live in now. There is no job security, and we have to take matters into our own hands. I hope you’ll take the time to listen to this podcast at your convenience.

Hannah

Absolutely. I’ll always be back. You just let me know the time and date, baby.

Cosmos

That’s awesome, Hannah. 

And Hannah. And I want to conclude this episode by letting my fellow extra Americans know that. Hey, look. There’s an extraordinary within every one of us. It’s our duty to awaken it and unleash it. Until next time. Bye for now.