Sep 17, 2026 · 43 min · 12 segments
What if the biggest thing holding you back from building wealth isn’t your income, but your money mindset? In this powerful conversation on Leverage with Rebecca Zung, Rebecca sits down with Ryan…
What are some of the myths that people have around money? You know, like, oh, I should always invest in real estate or I should max out my 401k.
When we're talking about financial plans and that's whether it's helping people think about, you know, the growth side with respect to income or the growth side with respect to investing.
I think one of the things that people miss is like people are really bad at calculating and calibrating risk.
People come to me and say like, ooh, like I really don't want to be in the stock market because it's so risky.
I can tell you with almost 100% certainty, if you have your money in a checking account and you hold it there for 30 years, you will fall behind if that's the case because you have your money just sitting there in cash.
I also think that's true of a job, right? And especially in the day of AI, and like I'm an AI optimist, like I'm an optimist by nature, but I will say that one of the like the ahas for me is that like, well, actually like me playing it too conservative in my career actually could be the riskiest thing for me.
And I saw people work inside of some of these companies that I worked at that worked there for 25 years and were shown the door with one bear market.
And again, it was a huge unlock for me to be like, wait a second, like the riskiest thing I can do is actually playing it too conservative.
So I think one of the myths are, one of the big myths is if you play a conservative, you're playing it safer.
Like actually, if you're playing conservative, I actually think you're taking the riskier.
And I think a good example of that is even if you look like at an S&P index fund or something like that, that's just, you know, straight across the board and you look at it from like the last the standpoint of the last 30 years, even with all of the ups and downs and and, you know, how the stock market can be, it always ends up ahead.
What are some of the myths that people have around money? You know, like, oh, I should always invest in real estate or I should max out my 401k.
When we're talking about financial plans and that's whether it's helping people think about, you know, the growth side with respect to income or the growth side with respect to investing.
I think one of the things that people miss is like people are really bad at calculating and calibrating risk.
People come to me and say like, ooh, like I really don't want to be in the stock market because it's so risky.
I can tell you with almost 100% certainty, if you have your money in a checking account and you hold it there for 30 years, you will fall behind if that's the case because you have your money just sitting there in cash.
I also think that's true of a job, right? And especially in the day of AI, and like I'm an AI optimist, like I'm an optimist by nature, but I will say that one of the like the ahas for me is that like, well, actually like me playing it too conservative in my career actually could be the riskiest thing for me.
And I saw people work inside of some of these companies that I worked at that worked there for 25 years and were shown the door with one bear market.
And again, it was a huge unlock for me to be like, wait a second, like the riskiest thing I can do is actually playing it too conservative.
So I think one of the myths are, one of the big myths is if you play a conservative, you're playing it safer.
Like actually, if you're playing conservative, I actually think you're taking the riskier.
And I think a good example of that is even if you look like at an S&P index fund or something like that, that's just, you know, straight across the board and you look at it from like the last the standpoint of the last 30 years, even with all of the ups and downs and and, you know, how the stock market can be, it always ends up ahead.
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