If you have watched the hit TV show Billions, you know the character Dr. Wendy Rhoades. She is the brilliant in-house performance psychologist who helps ultra-wealthy hedge fund managers and cutthroat founders unlock extreme performance, navigate crises, and destroy their mental blocks.

But Wendy Rhoades isn’t just a fictional character trope. The Wall Street Journal recently compared the fictional Wendy to a very real person: Dr. Julie Gurner.

Dr. Gurner is one of the most sought-after executive performance coaches in the country. With a background in adult psychopathology and forensics—including a stint working in a Supermax prison—she now spends her days in the trenches with CEOs, billionaire founders, and elite operators. She helps the top 0.01% reach the next level psychologically.

In a recent interview, Dr. Gurner shared the exact traits, mindsets, and peak performance psychology strategies that separate the ultra-successful from everyone else. Here is how you can apply them to your own life.

1. The Defining Trait of the Top 0.01%: Audacity

When looking at the ultra-successful, one trait stands out above the rest: Audacity.

Audacity is the refusal to follow the “imaginary rules” that govern most people’s lives. Society teaches us certain boundaries: you cannot apply for that job unless you have exactly five years of experience, a small startup cannot pitch a major bank, or you do not belong in certain rooms because of your background.

According to Dr. Gurner, the top 0.01% operate with an almost complete unawareness of these artificial limits.

“They don’t follow the rules that everyone else seems to follow that are actually very artificial,” Gurner explains. “That audacity to go for these larger things… is really how they skip steps that everyone else is still trudging through. We’re all going on the crowded path, and they just find this little dirt road to get to outcomes we are eight years away from.”

How to Apply It: Adopt the disposition of “What if it goes right?” instead of “What if it goes wrong?” We chronically overestimate the true risk of failure. In reality, most failures are temporary and quickly forgotten by the public. Take the side path. Shoot the uncomfortably large shot.

2. The Repetitive Reflex: Stop Trying to Fix Your Weaknesses

There is a common misconception (the halo effect) that high performers are exceptional at everything. In reality, they are usually only great at one or two things—but they lean into those strengths relentlessly.

Dr. Gurner points to Elon Musk as a public example. Musk is a visionary company builder and resource gatherer, but he famously relies on operators like Gwynne Shotwell at SpaceX to handle the granular day-to-day operations, NASA contracts, and internal management.

“If you start as above-average on something and put force behind it, the separation between you and everyone else is dramatic,” Gurner notes. “But if you focus all your time on the things you are below average at, maybe you’ll bring them up to average. That’s not where you get escape velocity.”

How to Apply It: Identify your unique, outlier strengths. Double down on them. Stop judging yourself for the things you are bad at, and either delegate them, outsource them, or partner with someone who thrives in those areas (the “spreadsheet person”).

3. Stop Suppressing Negative Emotion: Use It as Fuel

The modern wellness world is currently obsessed with stoicism—the idea that you should remain perfectly tempered, suppress extreme emotions, and remain unaffected by the world.

Dr. Gurner pushes back hard against this, arguing that suppressing intense emotion is a massive waste of energy.

“If you have anger or rage, why would you suppress that?” she asks. “You are killing a source of energy that you could channel into something absolutely phenomenal. There are so many wonderful companies and careers built on spite, anger, and ‘I’m going to show you’ energy.”

Humans are meant to experience a full spectrum of emotions. If you have been wronged, you can choose to let that anger destroy you, or you can use it to work 80-hour weeks, build an empire, and make your life phenomenal.

How to Apply It: Do not let negative emotions turn you into a toxic person to those around you, but absolutely use the internal fire of a perceived slight or past failure to fuel your daily actions.

4. Be Quirky, Not Humble

If you want to reach the highest levels of success, “be humble” is often terrible advice.

Humility is frequently confused with modesty or self-deprecation. If you constantly devalue your contributions, the people who desperately need your specific skills will never find you. Knowing what you are great at, and proudly sharing it with the world, does not make you arrogant—it makes you useful.

Furthermore, do not sand down your edges to fit into a corporate mold.

“Everyone is pushing toward conformity, and it is the wrong path,” Gurner says. “If you push to fit in with everyone else, and then you’re mad that your outcomes aren’t different, there’s a reason for that. We remember people because of their quirks.”

How to Apply It: Own what you are great at loudly. Lean into your strange hobbies and unique personality traits. The friction of your “weirdness” is exactly what makes you memorable and separates you from the conformist pack.

5. Reframe Obstacles as Challenges

At the end of the day, Dr. Gurner says her main job as a psychologist is simply to help high-achievers get out of their own way. We all know what the optimal decisions in our lives are, but we invent excuses and barriers to avoid doing the hard work.

The simplest, most scalable tool to fix this is reframing.

“How you frame everything is how you approach it,” Gurner explains. “When you see an obstacle or a problem, reframe it into a challenge. Think, ‘How could I productively think about this that is equally true?’ We get so tunneled in that we don’t see other ways of thinking about the same challenge that could get us amped up to tackle it.”

The Bottom Line: Don’t Ignore the Haunting Agitation

Many people walk around with “haunting agitation”—a nagging voice whispering that they could be doing more, living bigger, and fulfilling a dream they abandoned long ago.

Do not let that whisper become a scream of regret later in life.

The difference between those who achieve outlier success and those who don’t is simply a willingness to make sacrifices. Map out the life you want, figure out exactly what it costs (both financially and in terms of effort), and have the audacity to go get it.

Checkout this incredible interview with Dr Julie Gurner

The following article is synthesized from a powerhouse interview with Sharran Srivatsaa, CEO of Acquisition.com (alongside Alex and Leila Hormozi), who has scaled two companies to over $8 billion and achieved five massive exits.

Most of us are taught that the way to make more money is to do more things. Add a service. Open a new channel. Launch the second product. It feels productive. It’s usually the opposite.

Sharran Srivatsaa has built two companies past the billion-dollar mark and walked away from five exits, and he’s now CEO of Acquisition.com alongside Alex and Leila Hormozi. His take is blunt: to do great things, you have to do fewer things.

He has a name for why smart founders get this wrong. He calls it the curse of capability. Because you’re sharp and you can handle complexity, you accidentally build a complex business. You become the only one who understands how it all fits together. Meanwhile the investors who actually write checks are looking for the opposite. They want the “lazy” founder, the one who built something simple and repeatable that prints money without needing a genius babysitting it every day.

Here’s how he says you get there.

1. Get your 1-1-1 working before anything else

Before you try to be everywhere, look at your business as three things. Traffic, which is how you fill the funnel. Systems, which is how you turn those leads into cash. And skills, which is how you actually deliver the thing.

Most people break their business by adding to all three at once. Sharran’s fix is the 1-1-1: one traffic source, one way to convert, one way to deliver.

Pick a single channel to get leads, whether that’s paid ads or SEO or cold email. Pick one mechanism to close them, like a one-on-one call. And fulfill the work in one standardized way. That’s it. He says a clean 1-1-1 pipeline can realistically carry a business to around $300k pretty fast.

The discipline is in what you don’t do. No second traffic source, no new product line, nothing until the first pipeline is genuinely bulletproof.

2. Build it to sell, even if you’ll never sell it

There’s a difference between a successful business and a sellable one, and it’s easy to miss. A successful business can lean entirely on you. A sellable one runs fine when you’re gone.

Sharran’s advice is to build it as if you’re selling tomorrow, even if your plan is to run it forever. And he’s got a clever way to figure out what to build next.

Find three to five companies that might one day buy you. Package up your numbers and quietly “soft shop” the business to them. Whatever valuation they throw out, say $50 million, ask them the real question: what would it take to make this worth $75 million? They’ll hand you a list. Missing systems, unproven markets, gaps in the team.

That list is your business plan for the year. Instead of guessing what the market wants, you let the people who’d actually pay for it tell you straight.

3. No memo, no meeting

When a company’s small, you can run it on Slack messages and whoever’s loudest in the room. That stops scaling pretty quickly. Things get misheard, decisions get made on vibes, and meetings multiply.

Sharran pushes a “write a memo” culture instead. Before any big decision or exec meeting, somebody writes it up first. And a good memo has four parts: the story so far, so anyone reading has context; the actual issue you’re solving; the risk, meaning what breaks or what it costs if you go ahead; and the recommendation with clear next steps.

The rule is simple. No memo, no meeting. It sounds rigid but it does two things. It forces people to actually think before they talk, and it quietly kills half your pointless meetings.

4. Hire for pain, keep them with phantom equity

The reason most founders can’t find A-players is that they write the same boring job post as everyone else. Think about what’s actually keeping you up at night, or the department you dream about building. Write those raw thoughts down, mess and all, and let an AI tool shape them into a job description. When the right person reads a hyper-specific breakdown of the exact problem they know how to solve, it feels like the role was written for them. Because it was.

Then you have to keep them. If you can’t match a big salary and you don’t want to start handing out real shares and dealing with the legal headache, there’s phantom equity. It works like a bonus tied to what the company’s worth. If you sell, they get a cut of the exit. No actual shares change hands, no tax mess today, and the person stays locked in and motivated to grow the thing, because their upside is your upside.

5. Freeze your lifestyle and buy yourself options

This is the trap almost everyone falls into. Revenue goes up, so the lifestyle goes up right alongside it. You make $500k and quietly build a life that costs $300k to run. Now you’re stuck. You can’t step back, can’t take a swing, because you need the cash flow just to keep the lights on at home.

The move is to freeze it. Figure out your real monthly baseline and refuse to inflate it for ten years. When your personal overhead stays low, you get the thing every founder actually wants, which is optionality. You can afford the $200k hire. You can afford to pivot. You can take the big calculated risk because losing wouldn’t sink you.

That, more than anything, is the line between the capable founder and the scalable one. The capable one adds services, texts constantly, guesses at the market, and spends more as they earn more. The scalable one simplifies, writes things down, asks buyers what creates value, and keeps their life small on purpose.

The part that matters most

It’s worth remembering where Sharran started. He got mugged on his first day in America and was dumpster-diving for food in college, and somehow that became billions in enterprise value and five exits.

Strip away every framework and one thing is doing most of the work: he didn’t quit. Through the bad deals and the failed pivots and the stretches of real self-doubt, he stayed in. Build simple systems, guard your time, ask for help when you need it, and stay in the game long enough for the work to compound. That last part isn’t glamorous, but it’s the whole thing.

Watch the full interview on The Anatomy of A Dream:

Let me say the thing nobody posting at 5 AM wants to hear.

Working 100 hours a week is not a flex. It’s a symptom. And if your calendar is full but your bank account hasn’t moved in a year, you don’t have a work-ethic problem. You have a leverage problem.

We’ve all seen the posts. The founder sleeping on the office floor. The “rise and grind” guy answering emails until his eyes bleed. Somewhere along the way we decided that whoever suffers the most deserves to win. It’s a nice story. It’s also wrong.

Look at the people actually running eight-figure companies who still make it to their kid’s game on a Tuesday. They are not outworking you. That’s the part that stings. They’ve just stopped confusing motion with progress.

Here’s how they actually do it.

Leverage beats hours, every time

Amateurs count how long they sat at the laptop. That’s the whole metric. Hours in the chair.

But hours aren’t the point. Output per hour is the point.

Say you spend four hours making a graphic for Instagram and it gets 200 likes. Cool. That four hours is gone forever, and you’ll do it again tomorrow. Now say you spend those same four hours writing a process doc that teaches a contractor to make every graphic for the next three years. Same four hours. Wildly different return.

The people winning are quietly obsessed with one question: how do I make this not require me anymore? They look at their task list and hunt for things to hand off or kill. Not because they’re lazy. Because they’re protecting the few hours that only they can do.

You need three good hours, not twelve mediocre ones

Your brain can’t do hard, original thinking for ten hours straight. It just can’t. Nobody’s can. So stop pretending the 12-hour day is productive when most of it is you re-reading the same paragraph and checking Slack.

What you need is a window. Three, maybe four hours where the work is actually deep.

That means the phone is in another room. Not face-down. Not on silent. In another room. It means one target for that block — write the sales page, finish the projections, whatever — and you don’t touch anything else until it’s done. And it means the people around you know not to interrupt unless something is genuinely on fire.

Kill the context-switching and you’ll get more done in one of those windows than you used to get in a full week. I know how that sounds. Try it for a week anyway.

Inbox zero is not an achievement

When you open your email first thing, you’ve already lost. You just handed your morning to everybody else’s priorities before you touched a single one of your own.

This is the uncomfortable part: to build something big, you have to get comfortable letting small fires burn.

If you’re proud of an empty inbox, there’s a decent chance you spent the day on things that felt productive and moved nothing. The grinder is replying to emails at 11 PM and calling it dedication. The person actually scaling something hired someone to filter the inbox so they only ever see the three messages that matter.

Stop spending your good decisions on dumb stuff

You get a limited number of real decisions per day. That’s not a productivity-guru thing, it’s just how the brain works. By mid-afternoon you’re running on fumes, which is exactly when you order the bad food and start doom-scrolling.

So the people who care about this remove the pointless choices on purpose. Same breakfast every day. Same handful of outfits — there’s a reason Jobs wore the same thing. Finances on autopilot. None of it is about being weird or rigid. It’s about saving the good decisions for the ones with real money on the line.

Learn to say no like it’s your job, because it is

Buffett said the difference between successful people and really successful people is that the really successful ones say no to almost everything. He wasn’t being cute.

Early on, sure, you say yes to everything. Every coffee, every cheap client, every podcast. You need the reps and the momentum. But here’s what nobody tells you: the stuff that gets you out of the ditch is not the stuff that gets you to the top. Different game, different rules.

The most valuable skill you can build right now is guarding your time like it’s the asset it actually is. Saying no to the podcast that’s wrong for your audience. No to the partnership that pulls you off your main thing. No to the “can I just pick your brain for 15 minutes” call that’s never 15 minutes.

Every yes to the wrong thing is a quiet no to the thing you actually want.

Grinding yourself into a hospital bed is not a strategy. It’s a broken system wearing a motivational quote.

So look at your week. Actually look at it. Where did the hours go? If you want the kind of success people write about, you’ve got to stop running around like a panicked employee and start thinking like someone who owns the place.

You don’t need more hours. You need better ones.

Follow me at @iamjoelbrown on Instagram for more success.

Building wealth sounds like something reserved for people who already have money. It isn’t. The truth is that your twenties are the most powerful decade you have, and starting with nothing is not a disadvantage so much as a blank page. Time is the one resource you hold in abundance right now, and time is exactly what turns small, steady habits into real net worth.

You don’t need a six-figure salary or a finance degree. You need a plan, a little discipline, and a willingness to start before you feel ready. This guide walks through the practical steps that move you from zero to building, one decision at a time.

Start With a Clear Picture of Your Money

You can’t build wealth on a foundation you can’t see. Before anything else, get honest about where you stand. Add up what you earn, what you owe, and what you spend each month. It might feel uncomfortable. Do it anyway.

A simple budget is the engine behind every other step in this article. It tells your money where to go instead of leaving you to wonder where it went. Plenty of free apps can track your spending automatically, but a basic spreadsheet works just as well. The format matters far less than the habit.

Once you can see the full picture, look for the gap between income and expenses. That gap is your raw material. Even a small monthly surplus, used consistently, becomes the fuel for saving, investing, and paying down debt. If there’s no gap yet, your first job is to create one, either by trimming spending or growing what you earn.

Build a Safety Net Before You Build Anything Else

Wealth doesn’t grow in a straight line if every surprise sends you back to square one. A car repair, a medical bill, or a sudden job loss can wipe out months of progress and push you toward high-interest debt. That’s why an emergency fund comes first.

Aim for a starter cushion of around $1,000, then work toward three to six months of essential expenses over time. Keep this money somewhere safe and easy to reach, like a high-yield savings account. It isn’t meant to grow aggressively. It’s meant to be there when you need it.

This step feels boring. It is also the difference between recovering from a setback in a weekend and spiraling into debt for a year. The Consumer Financial Protection Bureau offers helpful, plain-language guidance on building emergency savings if you want a structured place to begin.

Tackle High-Interest Debt and Manage Your Loans

Debt is the quiet drag on most young people’s finances. Not all debt is equal, though, and treating it that way is a mistake. The key is to separate the urgent from the manageable.

High-interest debt, like credit card balances, deserves your attention first. When a balance grows faster than almost any investment could, paying it off becomes one of the best returns you can get. Two popular methods help here: the avalanche approach, where you target the highest interest rate first, and the snowball approach, where you knock out the smallest balance for a quick psychological win. Both work. Pick the one you’ll actually stick with.

Student debt sits in a different category. Federal student loans usually carry lower rates and flexible repayment options, so there’s rarely a reason to rush them at the expense of saving or investing. The goal is to manage them steadily, not to let them paralyze the rest of your plan. For those weighing more education, the math shifts again. If you’re considering an advanced degree, compare your options carefully before borrowing, including student loans for graduate school, so you understand the rates, terms, and long-term cost before you sign anything. Borrowing to grow your earning power can be reasonable. Borrowing without a repayment plan is not.

The point is balance. You can chip away at loans while still putting money toward your future. In fact, doing both at once is what keeps you moving forward instead of waiting years to start investing.

Make Investing a Habit, Not an Event

Here’s where your age becomes a superpower. Money invested in your twenties has decades to compound, and compounding rewards time far more than it rewards large deposits. A modest amount invested early can outgrow a much larger amount invested later. That’s not motivation-speak. It’s arithmetic.

Start with whatever you have access to. If your employer offers a retirement plan with a match, contribute at least enough to capture the full match. Skipping it is leaving free money on the table. From there, consider opening a Roth IRA, which lets your investments grow tax-free and gives you flexibility down the road.

You don’t need to pick individual stocks or time the market. Low-cost index funds spread your money across hundreds of companies and keep fees low, which matters more than most beginners realize. The U.S. Securities and Exchange Commission runs Investor.gov, a trustworthy, ad-free resource for learning the basics without the noise.

Automate everything you can

The single best trick for staying consistent is removing yourself from the decision. Set up automatic transfers so a portion of every paycheck flows into savings and investments before you can spend it. When it happens in the background, you adjust your lifestyle around what’s left and barely notice the difference. Consistency, not perfection, is what builds the balance over time.

Grow Your Income, Not Just Your Savings

There’s a ceiling on how much you can cut from a budget. There’s no ceiling on how much you can earn. In your twenties, investing in your earning power often delivers the highest return of all.

Develop skills that the market actually pays for. Negotiate your salary when you change roles or take on more responsibility, since early raises compound across your entire career. A side income can speed things up too, whether it’s freelancing, a part-time venture, or turning a skill into a service. More income gives you a bigger gap to work with, and that gap is everything.

Just be careful not to let a rising paycheck quietly inflate your spending. The habit that quietly destroys wealth is lifestyle creep, where every raise vanishes into nicer things instead of a stronger balance sheet. Let your income grow faster than your expenses, and the difference takes care of the rest.

The Long Game Belongs to You

Building wealth from zero in your twenties isn’t about a lucky break or a secret strategy. It’s about stacking small, sensible decisions and giving them room to grow. Track your money, protect yourself from setbacks, handle debt wisely, invest early, and keep raising your earning power.

None of these steps require you to be rich first. They require you to begin. Start where you are, with what you have, and let time do the heavy lifting. The version of you a decade from now will be grateful you didn’t wait.