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Josh Herland
Josh Herlan is the founder and CEO of Future U Financial, an advice-only financial planning firm in Tulsa, Oklahoma, and a former advisor at Merrill Lynch and Morgan Stanley.
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Aug 31, 2026
Pay Yourself First: Building Financial Freedom Through Habits, Not Income
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22:06Josh HerlinGUEST
Uh, you know, whenever I started, I've been with two major firms and I worked, you know, my mentor would get to the office at four 30 in the morning and leave at five or six at night.
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22:15Josh HerlinGUEST
And then I would try to do the same thing and still go to a dinner or cocktail hour.
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22:21Josh HerlinGUEST
Um, but whenever you, you start one of those big firms, not many people worked that hard at 20 years into the firm.
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22:26Josh HerlinGUEST
And so it's hard to find that culture to represent, replicate, uh, because once you get established, that's the reason you work hard, right? So you can, have someone else do the grinding.
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22:36Josh HerlinGUEST
So I think there's definitely some grinding you have to do when you first start out that people miss, right? Yeah.
11 MINS LATER

Chad McLainHOST
Do you think that schools and society really, unless you specifically seek it out, why do we not teach younger people financial literacy?