The Money Machine Experience 2025 with Mel Abraham

Session 1: Craft Your Affluence Journey & Your Path

Get your workbook/action guide here you will be working on it over the sessions.

Be ok with where you are right now.

Your 2 financial journeys are:
1 – Earning machine: input, work, cash (not about freedom).
2 – Money machine: multiply, optimise time, optimise assets (about freedom, legacy, affluence). Take what you’re earning and do the right things with it. Learn to make your money work harder for you than you did for it.

4 Elements of an Affluent Life are Meaningful, impactful, fruitful, peaceful and you need a plan, vision, money machine and the 5 incomes respectively.

8 out of 10 millionaires are first generation millionaires, they earned it over time, lots came from public schools.

Zones:
1 – Drowning point where you just make ends meet.
2 – Breakthrough point where you can take control and start saving.
3 – Independence zone is where you starting to understand money and create wealth but don’t get stuck here as ‘good enough’.
4 – Affluence point is where your money works harder for you than you did for it.

Most of our money lessons are caught not taught. We overheard the stories. The stories we tell ourselves decide our direction. So you need to go through the story you tell yourself about money and separate them between facts and interpretations. Give it empowering meanings. What new behaviour will you take?

3 Things Money Machine Maniacs Do Differently – Earn, Grow, Guard.

Time to do some math.
Get 3 to 6 months of your bank statements. Note down the amount, what it was for and the emotions. You’ll start seeing emotional spending triggers behind them. Start tracking with 3 coloured highlighters. Green for essentials like food, bills, etc. Next colour desirables like Netflix and luxuries in yellow/orange. Next use red for what you don’t see value in or don’t need in your life any more, you’re going to cancel those.
Using the Lifestyle Cost Estimator you can put your current expenses down and then your future ones after making the adjustments to get a bigger picture. Inflation is added to calculate how many years ahead you’ll need to work towards once the number of years you’ve put to retirement.

Session #1 Bonus Q&A Segment had a lot of great suggestions and a fantastic explanation on dividends and yield.

---

Session 2: Define Your Lifestyle Freedom Number

Walkthrough of the lifestyle cost estimator and using the adjustments column to see how to workout the lifestyle that you want.

Steps to your financial freedom:
Financial stability so your necessities are covered.
Financial security includes current living expenses.
Financial independence replaces your current income. 
Financial freedom covers your ultimate lifestyle vision. 

6 Principles, 6 Decisions (Vision > Plan > Strategy > Tactics > Action)
– 1 Know your why before the how and how much. What is the reason you want the money? On a scale of 1-10 how clear is your why for your wealth and the driver behind the desire?
– 2 Wealth confidence comes from clarity. On a scale of 1-10 how clear are you on your current situation and your desired destination? Be real with yourself.
– 3 Wealth creation is a today thing. Wealthy people make money (income) then invest (wealth) and then spend (lifestyle). On a scale of 1-10 how much priority do you make wealth creation a today thing? If not, will you decide today to make it a today thing?
– 4 Earning more doesn’t make you free. On a scale of 1-10 how much is your focus wealth creation vs. income generation.
– 5 Small shifts lead to monumental change. On a scale of 1-10 how good are you at making incremental investing a priority in your life? See 5 incomes below.
– 6 Legacy thinking is the key to passive income. On a scale of 1-10 how good are you at creating multiple leveraged sources of income?

5 Incomes (You want to be in the last 3 and it will depend on your lifestyle choice.)
Active income where you start.
Business where you have a team that give you your time back.
Assets like real estate.
Residual is royalties.
Portfolio is stocks, bonds, efts, etc.

4 Wealth Drivers Matrix:
– 1 Income which you need to push to
– 2 Savings.
– 3 Investment allocation and a big decision for this is to manage your risk.
– 4 Time and the answer to time is always NOW.

Use the 4% rule so how much do you need in your investments to support the lifestyle you want. Studies came to 4%. 1.5M is what you need to sustain a 60K/yr lifestyle. Get your lifestyle and freedom calculator here.

---

Session 3: Discover the 9 Accelerators to Wealth

Your earning machine plants seeds but we end up eating the seeds when we need to live off the crop.

Your goals are fluff unless you have the right systems and dedication.

Excellarators in the Circles above (Write a number next to each of the 9. 1-5 is red, 6-8 is orange and 9-10 is green).

1 Unshakable foundation.

2 Income elevation. Keep looking for opportunities to increase income.

3 Essential evaluation. Track 3 metrics monthly: Income by source, expenses by category, net worth (what you own minus what you owe).

4 Wealth education. Make informed decisions. Remember your advisors have to have a heart of an educator.

5 Asset allocation. Diversified, location, know your types. How much have you built so far?

6 Hands off automation. Take friction off investing and put friction on your spending. How automated are you already?

7 Risk classification. Equipment and even employees are risks. Where else can it cost you? Do you know what risks exist.

8 Debt elimination. Find ways to get rid of it, it can sink your ship. If you have a card you spend 30% more so try paying in cash and track it to see the change. How disciplined are you in paying it off?

9 Armoured protection. These can be like trusts. When someone will sue your or the tax man, how can they get the least of your assets.

Look at the colours of your numbers to see where you stand as of now. Your aim is to get them to green one by one.

Logical Levels (I’ve done a NLP video on this, see link)
– There is an environment around us that creates something.
– Then there is our behaviour.
– Then skills and capabilities.
– Beliefs and values.
– Our Identity.
– Purpose.

Slides also attached so you can do your own. Mel takes us through the exercise when it comes to money and suggests doing yours from Identity level down and then do the top one last.

Special Bonus Training included – Get out of debt the money machine way.

• Have $1000 in reserve. If you play your lowest balance (debt snowball method) first you can psychologically trick yourself to success while the avalanche method picks the highest interest first. Also pay off emotional debt first which is if you owe friends or others.
• Mel would also prefer not to get into property because he doesn’t want to have to think of dealing with getting a plumber in the middle of the night if anything were to happen. Real estate at the beginning is not recommended if you don’t have the liquidity to carry a bad deal just incase things go south.

---

Special Session 4 The Money Machine Blueprint

Discusses his blueprint which includes your vision, having a plan, breaking them down into 90 day steps, the recipe you need. Once you have all that you can look at the metrics and adjust. When you achieve success you just repeat the recipe process.

The Four Money Maxims to Live By!
1 – Commitment: Having a Vision/Plan, Communication/Dedication where you say you will do something and Patience (think delayed delayed gratification).
2 – Cash: It’s about earning. Understand your wants and needs. No more keeping up with the Joneses. He’s not into crypto because it only goes up as long as people buy.
3 – Savings: What is your rate of savings. You need to find a way to put away 25% and invest right. Spend less than you make. Build your margins and then automate.
4 – Time in: Long term investing in the right stock will get your money up 8 out of 10 years. The best traders with the best formulas can’t beat the market. Now is the best time to invest and get the right team. He recommends a fiduciary because they are there to work for your interest and not sell you things.

Accelerating Your Wealth by Owning Your Worth!
Switch the thinking of your rate as your value and the cost to the customer is their affordability. The value side you control, the affordability side the customer controls. When you come from the pace of rate and cost you’re trying to convince people that you’re worth it.
You side:
3 things you need to get clear on: The solution you provide. The perception of your value and risk around you in the market. Finally back it up with results.
You have to get good at articulating and then executing to get results.
They side:
Your clients will get resourceful when they see your undeniable outcomes. They will balance their resources and their risk. Our job is to show them that you are worth getting their resources and don’t feel like it’s a risk.
This means we have to give them the confidence to invest in us and the urgency to do it sooner than later. We need to convince the clients that it’s more important to solve their problem than the pricing of the solution. Does my price of 10k that will make you 100,000k outweigh the cost of not paying 10k and losing the 100,000k?
Flow chart of Marketing>Sales>Relationships>Referrals>Recommendations>Positioning. You want to be on the last one because that is where people pursue you.