What Do the Rich Know About Spending, Saving, and Investing That Most People Don't?

Check out my nothing-held-back personal finance system that covers not just the ins-and-outs of how to budget, save, and invest properly — but also how to break through the mental barriers and deeply-entrenched mindsets that get in the way of building lasting wealth. 

"I feel stuck financially."

"I mean, I can pay the bills, contribute to my 401(k), and have some money left over but I don't know what to do with it.  The result is that I have a bunch of money sitting in savings earning 1% a year while my friends are apparently getting rich in crypto."

"What about my debt?"

"Like most people, I have a mix of student loan and credit card debt.  I also just got a mortgage!  Should I really be focusing on investing right now or just on paying down my debt like Dave Ramsey says?  I'd like to invest more but I feel like my debt is holding me back."

"Do I need an advisor?"

"My coworker told me about a great financial advisor he's working with that has really grown his money.  Should I look into that?  What about robo-advisors?  My sister invested with a robo-advisor, and she raves about it.  Can I really invest on my own even though I'm not an expert?"

Logan Allec, CPA

Hi!  I'm Logan Allec.  I am a CPA with a Masters in Taxation (remember, for most people who build wealth, taxes is their biggest lifetime expense).  I publish content daily both on my YouTube channel and on my personal finance blog.

I'm also highly sought after as a personal finance expert in publications like Forbes, Yahoo Finance, U.S. News & World Report, NBC News, Business Insider, CNBC, and more!

Maybe you can relate...

In 2009 I was a freshly-graduated 21-year-old...with over $50,000 in debt.  That was more than my annual salary at the time.  Now, I didn't quite feel scared, per se; even my average income as a staff accountant was sufficient to cover my monthly bills with a bit left over every month.

So although I didn't necessarily feel scared, I felt stuck.  I knew that one day I wanted to reach Point B...financial freedom...never having to worry about money again because I had enough passive cash flow coming through the door every month to pay for my lifestyle.

But due to my debt and general lack of knowledge about investing, I felt stuck in that I didn't know how to get from where I was now...Point A...to that Point B I wanted to reach some day.  Although I couldn't articulate it then, here are the reasons I felt stuck at the time:

  • Lack of Knowledge: I didn't know how much I owned or how much I owed.
  • Lack of Self-Awareness: I spent money on things I thought I loved, not things I actually loved.
  • Lack of Diligence: I always told myself that I would take better care of my financial situation tomorrow, or next week, or next month, or next year.
  • Lack of Forethought: I didn't have a plan.
  • Lack of Education: I didn't have a teacher or a guidebook.

But over the years that followed, I slowly developed the knowledge I needed to get unstuck financially — and I put that knowledge into action.  The result?  I went from $50,000 in debt at age 21 to a net worth of over $1,000,000 by age 30.

And now I want to help others gain that knowledge and put it into action.

We all have a pool of wealth waiting to flow into our life.

One important mindset shift that I made in my financial journey is that I now see wealth not as some elusive leprechaun or unicorn that, if I'm lucky, I'll stumble upon one day.

No; now I view wealth as something that will naturally flow into my life if I simply remove the barriers to it.

Now, don't get me wrong.  There are definitely barriers to wealth that are beyond our control, and I can't pretend to have the answers to all the world's systemic problems.

But what I do have is the knowledge required to set yourself up for financial success.

I do have the knowledge to help you break free from the barriers you can control — lack of knowledge, lack of self-awareness, lack of diligence, lack of forethought, and lack of education.

I want to help you break free from these barriers so that pool of abundant wealth can flow into your life.


This is the stuff that I wish everyone knew about money.

This program has 6 key areas of focus:

Once you've mastered these areas and gained the knowledge required to accumulate wealth, all you have to do is keep "feeding the beast" as I say — keep putting the money you earn into your system.

If you gain the knowledge and put in the work, you will get the results!

Here's a sneak peak of what you'll learn inside the 8 core modules in Prosper:

Module 1: The Mindset of the Rich

  • How to think beyond money and explore what’s really important in your life

  • How to identify and break down the barriers to wealth that prevent you from seeing abundant wealth flow into your life

  • The time value of time

Module 2 Budgeting and Spending

  • How to identify the indoctrination that you face each and every day in a society that is dead-set on getting you to spend

  • No-fuss, 10-step budgeting system

  • 7 questions to ask yourself before spending money

  • The “Hard Reset” for those living paycheck-to-paycheck

Module 3: Foundations of Wealth

  • The first two or three steps that everybody needs to take into account when building wealth

  • Emergency funds...and when you may NOT need one

  • Getting free money from your employer

  • Dealing with high-interest debt like credit cards

Module 4: Visualizing Your Wealth

  • This module goes deep into spreadsheet mode to map out different scenarios of how much wealth you can enjoy if you invest smart.

  • You also get your own downloadable wealth spreadsheet.

  • 3 tricks to increase how much you invest on a monthly basis

  • Tips for late bloomers

Module 5: Charting Your Path

  • How to chart your path to wealth and create your own personal financial order of operations

  • Should I invest or should I pay off my student loans?  My mortgage?

  • Where should my next dollar go?

  • Saving for big purchases (house, car, etc.)

Module 6: How to Invest

  • How to be an investor, not an accountant

  • What you need to know about the stock market

  • How to invest in ETFs and mutual funds

  • How to buy individual stocks

  • How I personally invest

Module 7: Investing Traps

  • Opinions I have about investing that go contrary to commonly-accepted investment wisdom

  • Dividend stocks (why everybody loves them but I don’t)

  • Why I hate “buy low, sell high”

  • What to do when the market tanks

Module 8: Smart Wealth

  • Tax-advantaged vs. taxable accounts

  • IRAs (Traditional vs. Roth)

  • HSAs (and why I prioritize HSAs over IRAs)

  • 401(k) plans

  • Taxable brokerage accounts and more!

Prosper is for you if...

  • You are interested in finally taking control of your finances.
  • You’re tired of being broke.
  • You want to be exceptional with money.
  • You don’t want to stress out chasing the latest financial fads.
  • You want a tried-and-true system to build long-term wealth.

Prosper is NOT for you if...

  • You like gambling with your money in high-risk trades, options, the latest meme or fad stock, etc.
  • You expect results without putting in the effort.
  • You do not currently have a reliable source of income, in which case I suggest you save your money and do the best you can to find a reliable job and then purchase this course.

"How basic is this course?  I'm living paycheck to paycheck."

Prosper assumes you don't have any preliminary knowledge about personal finance.

It does, of course, cover advanced topics, but it starts from Ground Zero with the basics of budgeting, controlling spending, and dealing with debt.

"How advanced is this course?  I already know a few things about money, I got my 401k, my Roth IRA, what more can you really teach me?"

If you already have an implemented financial strategy in place for yourself — you're investing every month and you're absolutely confident that you're building wealth in the smartest, most tax-advantaged way possible — then you are obviously in a good place and will probably already have some familiarity with a lot of the content in Prosper.

This is because I do start with the basics of budgeting and paying off debt, and if you've already done that, perhaps these modules will not be as practical to you.

But let me say this — as I was creating this course, I myself learned things.  I was forced to think through certain financial issues and money matters in ways that I hadn't previously, even though I had up to that point already built a degree of wealth and was even a financial professional.

But look.  If you're a financial whiz and you buy the course and you're like, "Yup, I already knew all that.  There's nothing new for me here, and I don't think the future modules on how I bought a fourplex in L.A. in my 20s, advanced ETF strategies, and advanced tax strategies will have any value for me either," then all you have to do is simply take advantage of my 60-day no-questions-asked refund policy, speaking of which...

Don't Forget: It's Complete Risk Free

This is a no brainer!  I'm giving you a 60-day 100% money-back guarantee with your purchase of Prosper today.

That's right — you can go through the course, follow the steps, put in the work, and if you don't love the course in the first 60 days of purchase just send me an email and I'll refund you immediately.

No questions asked, no hard feelings — this is truly no risk.

Today you can get access to the entire Prosper course for just $158.

Click the button to get started instantly!