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What's up, guys? Today's podcast episode is covering five lessons that I have learned from hanging out with ultra high net worth individuals. They are labeled as U h n w by banks and financial institutions, which typically constitutes a net worth of over $30 million. And for this podcast episode in particular, we are saying over $50 million. Because I have some friends that I hang out with on a pretty regular basis that are at that point. And I've made some observations across the last six years of hanging out with people of a few different ways that they operate in their daily life, in their personal life and their family life, in their business, ways that they think about things, things that they say that are way, way, way off of the status quo or the norm, obviously, because they are nowhere near the norm anymore, being worth over $50 million. And so I want to share some of these lessons with you guys. Some of them are financial, but most of them are just kind of personality quirks. How they think about things, how they talk about people, how they interact. And the intention of this episode is that you guys can take some of these behaviors that are not typically talked about in the business books or in social media and you can mirror these behaviors and you can act these behaviors in your day to day life to perhaps hopefully get you to this level faster than having no idea about these behaviors prior. And first off, for a bonus tip, I want to say for anybody that's brand new listening to the podcast episode, like, I'm recording this in 2025, in 2023, I was employed. Like I was working in corporate America. I entered the world of the wealthy, of these millionaires, of these multimillionaires in 2020. So when Covid started, 2019 was my introduction. 2020 is when I started. So this is five years after me really getting into the world and literally three years being full time in this world. So three years ago, I was selling uniforms out of a box truck in corporate America in North Georgia. So just as I'm talking, like, don't think that I was raised in country clubs. Don't think that all of this came from my mom and dad being rich. I just literally got introduced to this world, absorbed it really fast, shut up, paid attention, implemented what they taught me, and now I will, like on paper, certainty, be one of these individuals as well. Like, it's just a factor of time now. So if I can do it, you can do it. There's nothing special about me. There may be something special about you. So let's get to the episode. The first Thing I've noticed is how they view time. Now I want to give an observation from their behaviors and then give you guys some coaching on how you can implement this because it's kind of a two part system here that people don't talk about. And took me maybe two years to figure this out on my own because I would watch their behaviors, but I didn't understand how I could really bring them down from a 30,000 foot level where they're at to where I was at in the current state. Because when they talked about time and their dollar per hour rate and what they were doing, I was like, oh, of course you can say that. You know, you're worth $50 million, you've got this big old team that's operating for you. Of course you have the resources to use leverage. Whereas I'm somebody that's just now getting started. I have a few properties back in the day, so I don't have leverage to use that. But, but what I did was I was able to use their lessons in this and apply them. So I'll teach you guys how to do that here shortly. But first the observation is ultra high net worth individuals are obsessed with their time. Now when you think that and you hear that, you would then put a label on them as being busy and having a packed calendar. This is incorrect. Most of my friends that are ultra high net worth individuals, we can go out and wake surf on a Thursday or I can call them and they answer pretty quick, quickly, because they're not busy. And they aren't busy because they say no to 90% of things that come on their calendar. 90% of people that try to reach out to them, they just say no. So your yes muscle is what gets you to wealth, all right? It's what builds wealth. Your no muscle is what preserves and compounds wealth. So again, I'm honored to be on one of the the their list of yeses, right? But how I was able to apply this was in the beginning I did not understand where my time was best best spent, if that makes sense. So I didn't have a frame of reference to what activities, what conversations, what relationships to say no to because it was a function of I didn't know what to actually say hell yes to. Here's an example that I can use in my business today that would maybe best articulate this. Action Academy, our company. As the business owner, the 100 owner of Action Academy, I was running this business, right? And I was doing some sales, marketing, fulfillment operations, all this different stuff. And I was so I was in charge of the product, the actual offer, the delivery, the onboarding, the marketing, the sales. Then we start hiring people and I started hiring people for operations and for each different role and function of the company. And then even this year in 2025, I was still spending half of my time on operations problems and then half the time on sales and marketing. Finally, we came to the conclusion of, hey, in order to really scale our media team and our marketing team and our sales team to be able to reach the amount of eyeballs and to reach the amount of eardrums that we need to reach in order to have the impact that we want to have. Because we changed our goal from helping a million people leave corporate within 10 years to helping a million people leave corporate within three years. I was like, I need to go be CEO of this media company over here. And you guys that are on the ops team right now, you are the president of Action Academy. You guys are in charge of the delivery and fulfillment of the company. This is your full time focus over here. Your job is to service the customer and the service the member of Action Academy as if we were to never get another member ever again. You can only have the members that we have today. Whereas my job and my focus in my time is spent selling and marketing as if we'll never retain a member ever again. You see what I'm saying here? So even this year that shift in strategy added millions and millions of dollars to the company to where now I am focused on media marketing and sales. If you actually look at my calendar, it's, it's three Cs, it's clarity, which is determining the direction of the company, what we're doing, what we're not doing, connection, which is either reinforcing relationships with these ultra high net worth individuals or making new ones like that, along with connections of talent to bring onto our team and also investors. And then the last one is content. So leading the content and media team and figuring out how to make things as digestible as humanly possible for you guys to learn from so that I can give you guys value at scale, which is this, like I'm literally spending my Sunday making podcasts episodes. That is content. And so because I know what to say yes to, I say no to everything else. So if it's anything else that has nothing to do with that, I say no to it. And that is how these guys and girls operate. They are either 100% in operations, they're like, I am a product guy, I'm a product girl. This is What I focus on, I'm not touching marketing and sales, I'm not touching all of this other stuff that's not me. And they only focus on that. Or they only focus on this one investing strategy, or they only focus on capital. That is the only thing they focus on. Nothing else matters. And they will spend all their money to make sure that nothing else reaches their plate, reaches their calendar. So your goal in hiring is either A, to buy back your time or B, support and grow a necessary function of the business. So again, this is all pretty overwhelming for somebody that's maybe just now getting started, but this is free game. Like this is what will get you the results that you're looking for. Now for observation number two, I'll share another one that maybe won't be a shocker or a surprise, but these guys and girls know their numbers like the back of their hands. So if you are a visionary entrepreneur, you're like, I'm the visionary in my company or I'm the ideas guy, I'm the vision girl, you know? And you don't know the numbers of your company, you don't know your success metrics, you don't know your churn, you don't know your, your cap rates, you don't know your profits, your noise. Like you're just the fricking hobbyist. Like you're not a business owner. If you are a business owner and you do not know your numbers, you should pack it up and just go get another job because you're going to get your ass kicked by everyone else that knows their numbers. A lot of the times you see this on Shark Tank, I like this Instagram clip I saw of Robert Herjavec who's like the nice shark and he goes, I'm a nice shark. Unless you don't know your numbers. So if you don't know your numbers, there's not a chance in hell that I'm investing with you. And they can sniff that out within 90 seconds. So they know their numbers and everything. Like they know their freaking body weight, their resting heart rate variability, they know their, their mile time. Like they know every single metric of their life. Like it is dialed in. No matter what industry, no matter what vertical, no matter what role they play in the business as the visionary or the integrator, every single one of these ultra high net worth individuals knows their numbers like the back of their freaking hand. Revenue, profit, net worth. They're tracking this either fricking daily, weekly, or at the worst case, quarterly. They're updating all of These. So that's something that I've learned that I need to get better at is literally keeping my pfs, my personal financial statement up to date. That's something I'm working on. Observation number three is most of the time they're not talking about business. So a good rule of thumb is if you want to add value to somebody that's an ultra high net worth individual, it's not going to be through business. So if you're trying to business your way into their world, it's like they body you there. So you need to add value in a different way. And the ways that I added value in the beginning was I brought the energy, like I brought the fun. And when I started traveling around the world, a lot of them started following me and wanting to hang out with me because they wanted to go on trips with me and they wanted to travel with me. And they're like, dude, where did you go? Like, hey, you know, where did you travel in Europe? Where'd you go in Italy? Because what they all want is adventure and variety. They actually want to not talk about business. They want to have other areas of their life enhanced. So what they're looking to do, or at minimum the ones that I hang out with, which I think are the ideal ones to hang out with. Then again, I'm biased. I'm not looking for ones that are necessarily trying to party. I'm looking for ones that are trying to be the best parents, the best philanthropists, the healthiest, stuff like that, that care about legacy and they care about this whole life wealth. So they care about being super healthy. So if you can help them with their health and you can be like, hey, let's go hike a mountain together. They're like, hell yeah, like I'd love to do that. Don't ask him about business, just hike the freaking mountain. I just interviewed this guy that was worth a hundred million dollars and I've known him for a year and a half. We haven't even talked business. We just go hang out and do fun stuff. Also parenting, they want help being the best parent that they can be. So if they're running into issues with their kids, which a lot of the times they are just because of the nature of the beast of investment, if you can offer any help or guidance with that, that's really helpful for them. And then a lot of travel, fun and adventure. So bring the energy, bring the excitement, bring the fun, curate events to where you can be like, hey, like let's go do this freaking boat. Let's Go do this hike, let's go do this experience and, and just invite them and they'll actually be really excited to do that. Versus the 9 million people that are trying to invite them for coffee. They don't care. Yeah. Can I pick? Your brain is going to be the last thing that they respond to in the. One of the biggest things they care about is health. So if you are not an ultra high net worth individual and you want to be in their world, if you can be a great parent, that's super healthy with great energy and curated experiences and you create, you build the rooms to invite them to. Yeah, like you'll, you'll go far. They love energy, they love excitement, they love adventure. The fourth observation that I've had is that while they're super ruthless and tight in their businesses and they know every single number, they are very loose with their personal money. Not in the context of buying Ferraris, Lamborghinis, Rolexes and freaking beach houses, but in the context of giving and of charity and of contribution and of just like picking up the dinner tab of inviting people to experiences. If you offer to pay with one of these guys or girls, they're like, no, like this is my treat. And they've been doing that since before they were ultra wealthy. And that's the key distinction here because in the beginning I was like, oh, well, of course you can afford to do that now, like you're super rich. But what I realized was I could do that at a free or a lower cost level in the beginning. So I would organize a lot of events and stuff that were, you know, free, like hikes and stuff or like small little get togethers. And that's how I would kind of get in the door with a lot of these folks. In the very beginning was just organizing things and then now it's like I do the same thing now where my money mostly goes towards creating events and experiences myself that I want to do and not inviting other people long. So for instance, we did yacht week in Croatia this year where we did island hopping around some islands in Croatia. That was super fun. And I invited some of my buddies over to that and that was a good time. So doing stuff like that is a great way to keep it trucking. So they'll also just like give each other money or loan you money without even thinking about it. So very, very generous is what I've noticed from all of them. None of them have been very tight when it comes to just personal charity or personal just giving you a loan. Like one guy that I know he was like, I need $200,000, I'm stressing out. And then another one of my friends wired him 200 grand. He's like, don't worry about it, pay me back whenever. Like that is how they operate now. When it comes again to business, they're negotiating that like crazy. But with personal friends, they're just going to give My final observation is they're obsessed with being a beginner. They're obsessed with learning. They're obsessed with finding whoever is like the best in any field, in any industry, in any activity, and hiring that person to come and coach them one on one into learning that thing. Whether it's Brazilian Jiu jitsu, marathon running, like doing Ironmans, playing the violin, playing the guitar, basketball, golf, like anything. Like I've seen the craziest stuff where they're like, oh my gosh, I'm so interested in this, like, tell me more. They're so curious, they're so interested in people. And when you talk to these people, they're actually going to ask you more questions than you're going to ask. And you're not even going to realize it because they're going to make you feel super good and super included. And all of a sudden you're an hour long into a conversation about you and what you're doing and you realize, oh crap, they got me. So it's hard sometimes because they're so curious and they're so interested in learning and that's what gets them to the top is because they ask questions and whoever asks questions is the one that controls the conversation. And so that's a big thing is they are constantly still paying for masterminds and for, for access to people like that is all they spend their time, energy and effort on is figuring out who do they need in their life or what skill sets do they want to learn. And they just continue to learn. They're super, super growth oriented. Super growth mindset. I know we hear that, but we don't see it like actually applied. That's how they apply. It is they're like, hey, you know, I want to learn guitar with my daughter and we're going to hire this tutor to come teach us guitar three nights a week for an hour a night. Because I'm very serious about learning guitar, learning Spanish, learning Portuguese or learning Brazilian Jiu Jitsu. So someone's going to come into my house and teach me how to do this. That's like a frickin triple black belt or whatever they do, right? So those are the observations that I've had along with many, many more. If you guys want access to these folks, like two different ways to do it. Pay to play or seek to serve. Seek to serve is you're going to go find them out in the wild, which is difficult, and you're going to kind of find an angle to get into their lives. It takes a couple of years. That's what I do. And what I did is I'll wait years and years and years and years and finally find a window to add value. I'll add value. We build a relationship. I ask nothing of them and. And then that relationship develops over time and then eventually they come to me and ask what do I need? Right. Or you could just join a mastermind. And so that's Action Academy. That's literally what we do. We give you direct access to these folks. Actionacademy.com or you can go in the show description, click the link, book a call. Thanks, guys.
Action Academy | Millionaire Mentorship For Your Life & Business
Host: Brian Luebben
Episode: 5 Lessons I've Learned From Hanging With Ultra-Wealthy People ($50M+ Net Worth)
Date: April 7, 2026
In this episode, Brian Luebben distills the top five behavioral and mindset lessons he’s learned from years of close relationships with “ultra-high net worth” (UHNW) individuals—those with $50 million or more. The episode’s purpose is to pull back the curtain on often-unseen practices and philosophies that separate these individuals from the norm, imparting actionable insights for listeners seeking to join their ranks. Brian emphasizes that while some lessons are business-related, most revolve around personality, mindset, daily habits, and approaches to life that aren't typically covered in business books or on social media.
(Begins: 03:15)
"Because I know what to say yes to, I say no to everything else." — Brian (11:20)
(Begins: 13:20)
"They know every single metric of their life. Like it is dialed in." — Brian (15:00)
(Begins: 16:15)
"They love energy, they love excitement, they love adventure." — Brian (18:45)
(Begins: 22:00)
(Begins: 26:55)
"They're so curious, they're so interested in people. And when you talk to these people, they're actually going to ask you more questions than you're going to ask." — Brian (27:40)
Brian’s tone is upbeat, practical, and candid—a mix of tough love ("...pack it up and just go get another job...") and pragmatic encouragement ("If I can do it, you can do it"). He emphasizes that these aren’t just theoretical tips but lived experiences, aiming to empower listeners to implement similar strategies.
Actionable Takeaway:
Ultra-wealthy individuals aren't fundamentally different; they’re intentional with time, meticulously track their progress, value relationships beyond business, give freely, and never stop learning. Start adopting these habits—at any resource level—and you’ll fast-track your own growth and network.
Recommended next step:
Seek opportunities to serve, create experiences, and continue developing your own “yes” and “no” muscles. For more direct connection to such individuals, explore masterminds like Action Academy or serve generously and authentically in your own circles.