DMKintzer

We need to stop confusing failing with failure.

You can fail an interview.
You can fail to hit a shot.
You can fail to lose a pound this week.

That doesn’t make you a failure.

Failing is a verb — something that happens.
Failure is an identity — something you accept.

They say pork & sauerkraut on New Year’s brings good luck. 🍀

Maybe it does.

But luck has never paid a bill.

This morning I’m driving my son back to college as he gets ready to start his collegiate athletic career in 10 days—and I’m proud as hell of him. Not because of luck… but because of years of preparation, discipline, and clarity.

Money works the same way.

Most people hope this year feels different.
A few people decide to get clear.

That’s my focus in 2026. Less guessing. More clarity.

Question:
What’s one area of your life you’re done leaving to “luck”?

Consistency doesn’t look impressive.

It looks boring.
It looks quiet.
It looks like still showing up when no one’s clapping.

That’s where progress actually comes from.

Your money doesn’t need a miracle.
It needs a plan.

Today’s win: look at the last 7 days and label just 3 things:

food

online spending

“random stuff”

That’s it. Awareness first. Control follows.

Discipline isn’t loud.
It’s not motivational quotes.

It’s doing the boring stuff again—especially when no one’s watching.

That’s where momentum is built.

Want to retire before 59½ without getting destroyed by penalties?

Rule 72(t) is an IRS loophole that allows you to pull money from retirement accounts early — penalty-free — if structured correctly.

This strategy is how some people shorten their working years by 3–7 years without blowing up their future.

⚠️ But if you screw it up, the IRS will come back with back taxes + penalties + interest.

This is NOT TikTok-fluff finance — it’s real strategy that requires precision.

If early retirement is even remotely on your radar, this is a rule you need to understand.

Call now to connect with business.

The stats are clear: S&P 500 averages 10.3% annual return since 1923, and 2025's 15.32% YTD is exceptionally good. Meanwhile, a 60/40 equities-to-bonds allocation has historically delivered ~9.6% annualized returns. I call BS! The moral of the story: consistent effort beats waiting for the 'perfect time.' Don't get left behind.

School skipped it. Your parents fumbled it. Now it’s on YOU.

Let’s be honest—nobody talks about money.
It’s some weird, unspoken rule like it’s taboo or off-limits.
“We don’t talk about money.”

WHY THE HELL NOT?!

Well, that stops right here.

I talk about money—yours, mine, all of it.
Not because I care how much you’ve got (or don’t)… but because I finally reached a place where I know I’m good. And now? I want you to be even better.

I’m not here to compete with you.
If you end up making 10X more than me, I’ll be the loudest MF in the room cheering you on.
This isn’t a contest.
It’s about you building a life where you call the shots—and your kids don’t grow up clueless like we did.

I get it because I’ve lived it. Just over a decade ago, my net worth was in the negatives.
But a few mentors over the years, dropped some truth bombs that changed everything.
They didn’t sugarcoat it—and neither will I.

Now I’m financially independent. And I built Cash Class Live™ to pass the torch—to give you what nobody gave me:
A roadmap. A wake-up call. A shot.

This is your permission to talk about money.
To fix what’s broken.
To get your sh*t together—and keep climbing ‘til you don’t have to look at price tags anymore.

And the best part?
It’s free. Raw. Real. Unfiltered. And it starts with one click.