Dangers of The Middle Class Mindset

Summary

Podcast Summary: Earn Your Leisure – “Dangers of The Middle Class Mindset”

Podcast: Earn Your Leisure
Hosts: Rashad Bilal & Troy Millings (with guests Grant Cardone, Financial Coach/Investor, Entrepreneur/Marketer)
Episode Date: December 30, 2025
Episode Description: A deep dive into why the “middle class mindset” can be a detriment to financial growth and generational wealth, with personal stories and tactical exercises to help listeners identify and break free from limiting beliefs.

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Episode Overview

This episode unpacks the concept of the "middle class mindset"—a set of limiting beliefs and comfort-driven habits that the hosts and guests argue can stunt wealth creation and personal fulfillment. Drawing from personal experience, pop culture, and behavioral anecdotes, the discussion challenges listeners to examine their own attitudes toward money, risk, and self-imposed ceilings. The episode is energetic, honest, sometimes blunt, and loaded with tough-love encouragement.

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Key Discussion Points & Insights

1. Origins and Dangers of the Middle Class Mindset

• Background Check: Grant Cardone sets the stage by sharing his working-class upbringing (sanitation workers, nurses, school teachers) and explains:

  "There is a thing called middle class mediocre mindset... it's extremely detrimental to your success if you're trying to break out of it and you don't really realize it until you're out of it." (05:03)

• The “Lid on the Jar” Analogy: Refers to a study with flies that learned not to fly higher than a jar's lid—even once the lid was removed; this “limitation” persisted generationally.

  “What's even more interesting is that when they had children, their children only flew as high as the invisible lid because they were already programmed.” (05:29)

• Cultural Programming: Everyday examples—such as only celebrating on weekends or feeling guilty for taking trips—are cited as symptoms of a restrictive mindset.

2. Comfort as the Greatest Trap

• Grant criticizes the societal invention of the middle class:

  “The most dangerous thing that America ever did was create a middle class... you think that you actually are living the American dream, yet you're not.” (07:25)

• Describes comfort as a bigger enemy than poverty for those seeking generational wealth.
  • Stories of feeling “guilty” for living life fully; points out that the wealthy ignore many of the unwritten “rules” constraining the rest.

3. Mindsets Around Time and Lifestyle

• Challenges the cultural habit of deferring joy or experience to certain days:

  “Why am I not traveling? ... At the highest level there’s no limitations... There are really no rules in life. At the highest level, there's no rules. Rules are only for middle class and poor people. Rich people don't have any rules. They make their own rules.” (07:57 – 08:34)

• Stresses the importance of surrounding yourself with people who inspire and encourage rather than limit you.

4. Generational Influence and Breaking Limiting Patterns

• Discussion around how expectations from parents, grandparents, and peers unknowingly set ceilings on what one's life can be.

  “Because a lot of times you're limiting yourself based off of the expectations that have been laid down from your parents, your grandparents, your friends, your neighbors.” (09:18)

5. Exiting the Middle Class Mindset

• Interactive Exercise: The Financial Coach/Investor prompts:

  “Please write in chat if money was not an object or issue, what are the three things you would do spending your day on? ...It's very important to set that.” (16:46)

• Confronting Aspirational Shame: Debate around whether people should be “ashamed” if they haven't reached certain financial milestones (triggered by a viral Grant Cardone quote).

  “Should I feel ashamed that I'm not there yet? I don't think so. That word I think is what triggered, like if you're not there now, great, you might be in pursuit of [it].” (19:19)

6. Goals, Money, and Purpose

• Point is made that for ultra-wealthy or highly successful entrepreneurs, the true goal is impact, not a dollar amount:

  "Even like being around billionaires ... the goal is never money. The goal is creating something that is going to change the world." (20:22)

• Adds that you can escape the mindset before you have money; mental freedom doesn't require wealth:

  "Before I had any money, I was already liberated... My mind is what makes the money. Money doesn't make the person." (21:13)

7. Practical Wealth-Building Exercise

• The Financial Coach/Investor asks listeners to reverse engineer a $2 million goal in three months:

  “At what price point would you sell your products? How many do you need to sell, and what's your plan to get there?... whatever you put into your mind eventually will matter.” (23:03)

• Frameworks the exercise as both a practical and psychological tool.

8. Conquering Fear and Regret

• Grant Cardone shares a personal turning point:

  “I had an epiphany that I'm going to die. Once you embrace death, you're not afraid to live... Because what's the worst that could happen? The worst that could happen, it just doesn't work out. But it's like if you never tried or if you never really went for it, now you gotta live with regret. And regret is much harder to live with than failure.” (25:13)

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Notable Quotes & Memorable Moments

• Grant Cardone:

  "Rules are only for middle class and poor people. Rich people don't have any rules. They make their own rules." (08:34)

• Financial Coach/Investor:

  “How much money do you need to retire you and three people that you love and give everyone that you love a soft life?” (17:54)
  “If you had to make $2 million in three months, write out, at what price point would you sell your products?... One of my favorite things to do is reverse engineer.” (23:03)
  “For my Christians... how can you be a child of God and be afraid to put your ideas, proclamations, products and services out into the world and serve him? ... Man, go get that this year.” (24:32)

• Entrepreneur/Marketer:

  "Everybody has a threshold, right? ...When we're in that survival mode... Yeah, we can have the goal of 400,000, we can have the goal of 15 million. But I got to work on the day to day. ... We can't knock the people that's in pursuit of it." (19:02)

• On Living with Regret (Grant Cardone):

  "Nobody wants to be on their deathbed when they're 70 years old, 80 years old, 90, whatever, and it's like, damn, I wasted my whole life. I really didn't do anything because I was afraid of what my friend would have wrote on Instagram." (26:11)

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Timestamps for Key Segments

• 05:00: “Middle class mediocre mindset” defined and explained
• 07:25: Critique of America’s invention of middle class and its dangers
• 08:34: “Rich people don’t have rules...” and global travel examples
• 16:46: If money was no issue—exercise for listeners
• 17:54: “How much money to care for everyone you love?” discussion, viral Grant Cardone quote
• 19:19: Should ‘aspirational shame’ have a place? Survival mindset vs. visionary goals
• 20:22: Ultra-wealthy prioritize world impact, not just money
• 21:13: Mental liberation—how it precedes wealth
• 23:03: Reverse-engineering a $2M business goal—call to listeners
• 25:13: “Embrace death to live fully”—overcoming fear and regret

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Takeaways for Listeners

• Examine and challenge the cultural scripts and family habits that may be capping your potential.
• Comfort can be an invisible enemy; questioning routines is essential for breaking out of the middle class mindset.
• Mental liberation comes before financial success. Free yourself psychologically, and the rest can follow.
• Don’t wait for permission, weekends, or an arbitrary “right time” to live, create, or grow.
• Replace “why me?” with “why not me?” and take actionable steps (reverse engineering goals, affirmative self-talk).
• Regret, not failure, is the real fear to avoid.

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Overall Tone:
Direct, unfiltered, at times provocative but ultimately encouraging, urging listeners to pursue big dreams, question norms, and take immediate action.

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Perfect for:
Anyone feeling “stuck” in their finances or routines, aspiring entrepreneurs, and anyone seeking a mindset reboot to break free from generational or societal limitations.

Transcript

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[Grant Cardone]

I want to, I want to talk about this.

[Financial Coach/Investor]

I wasn't going to take the tweet down.

[Grant Cardone]

What tweet?

[Financial Coach/Investor]

I'm talking about Skip. I told you about Skip. I'm gonna let you finish your monologue. We'll have issues on our show. Go ahead.

[Grant Cardone]

So it's important to understand before I say this, we come from a working class environment like, you know, sanitation workers and nurses and school teachers and, you know, real hardworking people. People that saved up for a vacation maybe once every two years, you know, working to send their kids to college. Different things of that nature. Right. So I want to preference it before I say that.

[Financial Coach/Investor]

Okay?

[Grant Cardone]

No, no, no. It's important what's going on. But there is a thing called middle class mediocre mindset. I think I've coined that phrase. I haven't heard anybody else say it, but you know, I was just thinking about it and it's extremely detrimental to your success if you're trying to break out of it and you don't really realize it until you're out of it. It's like the Matrix. You never really realize you're in the Matrix until you break out of the Matrix. And, you know, 19 keys, that says something. And I actually looked it up on YouTube and it's actually true. Where they did a research study where they took flies and they put them in a jar and they put a. They put a cap on a jar. And the flies obviously could only fly as high as the cap. The lid. When they took the lid off, they still only flew as high as the lid, even though the lid was off. That's interesting. But what's even more interesting is that when they had children, their children only flew as high as the invisible lid because they were already programmed. And that's only as high as you can go. So, you know, it's interesting. Like, so many different things when I think about it. And you probably don't even realize these. These things happen. But you ever heard, like, parents tell their children, like, you just went, you just played yesterday. You just had fun yesterday. Just had a party yesterday. Like, you can only have fun one day out of the week. You can only have a party one day. Like, I had a family. Like, I took my son to dinner in the city for his birthday. His birthday was on a Tuesday. And somebody said, like, well, why are you taking them to the city on Tuesday? Like, why don't you just take them on the weekend? And I'm like, well, because his birthday's on Tuesday. But that's the whole mentality of, like, low, let's just wait till the weekend because we're working and we got, like. I say that to say, you really have to break out of the middle class mindset because it's extremely detrimental. And the. The most dangerous thing that America ever did was create a middle class. Because when you create a middle class, you create some level of comfort because you're not in poverty, right? You're not in poverty. So you think that you actually are living the American dream, yet you're not. You're really not. And it's like, that mindset is so detrimental because there's so many limiting factors that go into play here, right? Where it's like, you gotta wait till the weekend to do things, and you can only, like, you ever had somebody say, like, you just came back from a trip. Why are you traveling so much? Well, why not? Well, why not? Why am I not Traveling. So much work for, like, you know what I'm saying? Like, why am I not traveling? It's a lot of these things that you have to be extremely careful to kind of people that you're around because these kind of limiting words develop habits in your subconscious. And then you feel bad about it. You, like, you, you feel guilty about going on a trip, you feel guilty about going out two nights in a row. You feel guilty about going to the city on Tuesday. Like, you start to, like, reel it back a little bit. Like, no, I'm doing too much. Let me, let me pull back. But at the highest level, there's no limitations. And I'm speaking from firsthand experience because I see it. So when we in Dubai or Abu Dhabi on a win, nobody knows whether it's Wednesday or Saturday or Sunday. It doesn't matter. Just living life doesn't matter. It really doesn't. Nobody says, it's four o' clock in the morning, what are you doing out? Nobody says it's 6 o'. Clock. You have to get up this. There's really no rules in life. At the highest level, there's no rules. Rules are only for middle class and poor people. Rich people don't have any rules. They make their own rules. So.

[Financial Coach/Investor]

And we can argue that the middle class died and after Clinton left office, now.

[Grant Cardone]

Yeah. So it's extremely important to understand that. And like I said, I'm not even speaking from a level of, like, condescending, but I'm speaking from firsthand experience because I've seen both. Both hands of it. Like, this is how I grew up. So now when I'm in a different environment. But I always thought like that. But you start to see it. You start to see things and it's like, damn, it's hard to even get people to understand that the way that they're thinking is so small and so limiting. So you don't even waste your time. But for everybody that's watching it, you're on your pathway to generational wealth, you're on your pathway to success. You're on your pathway to becoming, you know, a superstar in the entrepreneur world. Whatever you want to do with your life. So just be mindful of that. Because a lot of times you're limiting yourself based off of the expectations that have been laid down from you, from your parents, your grandparents, your friends, your neighbors. So just be mindful of that. It's very important.

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[Financial Coach/Investor]

A quick exercise, real quick so it doesn't come off as elitist because you know I want to end up on Shade Room or nothing.

[Grant Cardone]

Shade Room, please. I'm hoping to end up on Shade Room. I need, we need shade room. We need that $500 dinners coming back.

[Entrepreneur/Marketer]

Now you understand us.

[Grant Cardone]

$500 dates coming back. Polygamy. The only way to listen. The only thing they gonna listen to. Diddy vibes, what we doing? The only thing they gonna listen to.

[Financial Coach/Investor]

My man had a baby anyway. Please write in chat if money was not an object or issue, what are the three things you would do spending your day on? It's very important to set that. I remember when I set the decision to become an investor and trader, I'm like, man, I just want to be able to trade, not have to talk to anyone regarding doing business and be able to make money out of the ether. And man, I have to bust my ass to be able to get there. But that manifested. I will tell you that the middle class has died though. Even I know a lot of people are mad about that quote from Grant Cardone on if he only made X amount of dollars per year.

[Grant Cardone]

But the truth is took it a little too far.

[Financial Coach/Investor]

Yeah, if did he though?

[Grant Cardone]

No, I mean some things you can't say, some things you can't say.

[Financial Coach/Investor]

And see, that's why I respect it. Okay, now if we're gonna be honest because now I got some energy, right?

[Grant Cardone]

6,400 people on YouTube.

[Entrepreneur/Marketer]

Let's go.

[Grant Cardone]

About to argue. Let's go. This is what they want. This is what they want.

[Financial Coach/Investor]

The truth is though, he was right because if you, if it's not just about you, I don't want you to make half a million dollars to go blow them blitzing Yaga and Mike And Mary and all that, right? But let's say if you're going to help five people in your family, how much does it cost to help five people in your family and take care of all your stuff and be debt free? There's a cost. So I want you guys. One of my favorite exercises of money, master the game. How much money do you need to retire you and three people that you love and give everyone that you love a soft life, you know, because when I die, I don't even mind to wash no dishes, nothing.

[Entrepreneur/Marketer]

Yeah, I'm not.

[Financial Coach/Investor]

No, I'm not.

[Entrepreneur/Marketer]

That's not the part that is, that's. That was like, all right, maybe since I think the word ashamed is what triggered me personally.

[Financial Coach/Investor]

Like, if brand be a great marketer. You don't think he did that?

[Entrepreneur/Marketer]

No, I get, no, I get the. I get the marketing part of it.

[Financial Coach/Investor]

I'm just saying, right?

[Entrepreneur/Marketer]

If you're in pursuit of that, like everybody has a threshold, right? Like when you're saying, like, hey, we got to prepare for where we want to go, right? And so sometimes when you're in the grind, I talked about that on, on. I think that was Dream Champs. When you're talking about when we're in that survival mode, yeah, we can have the goal of 400,000, we can have the goal of 15 million. But I got to work on the day to day. I might be in pursuit of it. Should I feel ashamed that I'm not there yet? I don't think so. Like, that, that word I think is what triggered, like if, if you're not there now, great, you might be in pursuit of. Yeah, we can't knock the people that's in pursuit of it.

[Grant Cardone]

You can't, you can't, you can't disrespect people. You can't disrespect.

[Financial Coach/Investor]

I don't think he was saying it's a disrespect, but it did come. That's how he said it.

[Grant Cardone]

The tone. Yeah, the tone.

[Financial Coach/Investor]

What you say is how you say it, right? So ashamed, I think is a strong word. Like, I personally haven't hit what my personal income goal is ever. I'm mad that I haven't hit it yet. Meta write my check so I can hit it. But I think we have to have realistic goals because like, excuse me, unrealistic goals. Because the truth is, as a person that has hit a realistic goal 25 times, it's not a good feeling to hit that goal. And like, fuck, I should have, should ask for more. Should have did more, should have pushed for more. I should have been not only going off the metal, but every top 1000 company on Earth at the same time.

[Grant Cardone]

What I also realize is that even like being around billionaires and hanging around people that's extremely wealthy non figures, the goal is never money.

[Financial Coach/Investor]

Yeah.

[Grant Cardone]

The goal is, is creating something that is going to change the world. The gold is creating like you know, that's the goal. Right. So even.

[Entrepreneur/Marketer]

Or helping people create something.

[Grant Cardone]

Yeah. So even the money. I think that, you know, it's not really about money. That's why I wanted to. With the middle class mindset, it's not necessarily the money because you could still make a lot of money and still have a middle class mindset. Right. It's. It's liberating yourself from the shackles of the oppression that was put on you from people. And it was that cost though? Well, it depends.

[Financial Coach/Investor]

If you're in New York, how much does it cost?

[Grant Cardone]

Well, first before. So for me personally, right before I had any money, I was already liberated. I didn't have no money and I was already on that type of time. I never had a real job. I was always waking up whenever I wanted. I was always doing. I went to Asia with 30 for 30 days. I wasn't rich when I did that. And it's like people were saying that at that time, like I went to Asia. We went to Asia five years ago for 30 days with a round trip plane ticket and two nights in a hotel with no plan. We winged it. We went to five different countries and people like, well, why would you go and do that? You got two types of people in this world. You got one type of people that say why and the other type to say why not? So they say like why are you going to do it? Well, why not? Because I'm going to die one day and if I don't do it, then I'm never going to have an opportunity to do it. So instead of asking me why I'm going to do it, ask yourself why you're not going to do it. So that doesn't really take money to kind of have that. First mine, mine is makes money. Money don't make money, doesn't make the person. Your mind is the most important thing, period.

[Financial Coach/Investor]

Absolutely.

[Grant Cardone]

Once you get your mind right, then the money's just going to come flowing because now you're in abundance mindset. And it, it, you're attracting it, you're attracting it. But what you're doing with these negative thoughts and these limiting thoughts is that you're actually blocking it. So it's extremely, it's extremely important for people to understand that because I feel like a lot of times people don't fully understand how their mind is so powerful and how. And even the things that you tell your children, just be careful how you speak to your children because it's like you're. You're already instilling fear. You're already instilling different things in them that you might not even be aware of. And it's like they're already growing up with limitations and fear. At 10 years old, at 8 years old.

[Financial Coach/Investor]

Yep. This is an interesting thought exercise. Yeah. Everyone in chat. If, if you had to make $2 million in three months, write out, at what price point would you sell your products? How many do you need to sell, and what's your plan to get there? One of my favorite things to do is reverse engineer. How do you get from this point and what are the steps you need to take to get back there? For me personally, when I was in investing, I was watching CNBC like crazy. And it was Maria Bartiromo and Santinelli and everybody back in the day, right? And I'm like, if they would just give the prices and fundamentals, right? So that's when I started working on the formulation that became the crystal ball. I thought you should be able to, like, know the fundamentals of a company and give the price in like less than 30 seconds, right? So everyone in chat, $2 million, three months. What is your formulation? But it all started with the problem. When I was watching CNBC in 2008, the information wasn't that clear. And here we are today in 2022, 2023, doing this for you guys for free at scale, right? Shout out to y', all, but whatever you put into your mind eventually will matter. And for my Christians, I keep saying it, how can you be a child of God and be afraid to put your ideas, proclamations, products and services out into the world and serve him? And he made the moon mountain stars, grass, Grasshopper, man, go get that this year. $2 million in three months. What's your plan?

[Grant Cardone]

Yeah, you know what changed my life? This is the last thing I'll say about this. You know what changed my life? Because even social media, I always tell this story. I wanted to do this eight years ago. What we're doing now. I wanted to do it eight years ago. But, you know, it's fear, it's self doubt. It's thinking like, you know, what will people think of me? I have 500 followers and a private. I had a private page with 500 followers. This. No, this is just. This is just reality. Yeah, but you know what? You know what?

[Financial Coach/Investor]

How many years ago was this?

[Grant Cardone]

This when. When we started?

[Entrepreneur/Marketer]

Yeah.

[Financial Coach/Investor]

When you have 500 followers, that was like six.

[Grant Cardone]

That was like six years ago.

[Financial Coach/Investor]

Life could change in half a decade. Yo.

[Grant Cardone]

Like, that was like six years ago. But. But you know what I realized? I had an epiphany that I'm going to die. Once you embrace death, you're not. You're not afraid to live. I'll say that again. Once you embrace death, you're not afraid to live because you realize that we're all going to die one day. And ultimately, somebody's opinion of you doesn't matter. What people think of you, don't matter what people are going to say about you doesn't matter because it's like, it's a very short period of time that we have on this earth, so you might as well just make the most of it, because what's the worst that could happen? The worst that could happen, it just doesn't work out. But it's like if you never tried or if you never really went for it, now you gotta live with regret. And regret is much harder to live with than failure. You can live with failure. It didn't work. People fail all the time. But to live with regret is much harder to deal with because you never know what's going to happen. So nobody wants to be on their deathbed when they're 70 years old, 80 years old, 90, whatever. And it's like, damn, I wasted my whole life. I really didn't do anything because I was afraid of what my friend would have wrote on Instagram.

[Entrepreneur/Marketer]

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[Narrator/Announcer]

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[Grant Cardone]

I don't think you get what we're doing.

[Narrator/Announcer]

Sure I do. We're all just giving him advice. You guys on sports, me on saving money.

[Financial Coach/Investor]

Nope, that's not it.

[Narrator/Announcer]

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[Grant Cardone]

This is where mindset comes in.

[Narrator/Announcer]

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