Category Archives: GET OUT OF DEBT.

1 common misconception about perfect timing. ☝️️

Everybody does all this preparation to be successful instead of just actually being successful. They wait on the perfect time or the perfect opportunity to be great. The truth is there’s no such thing as perfect timing. 

Quentin B. Smith's Millennials to Millionaires: The young entrepreneurs guide to getting out of debt
Quentin B. Smith’s Millennials to Millionaires: The young entrepreneurs guide to getting out of debt


‪For the last 2-3 months I’ve been contemplating writing a book about getting out of debt. At first I wanted to write the perfect book, then my online mentor Grant Cardone, Author of 19 self-help and business books, said something that really made sense to me:

Grant says that instead of him focusing on writing the perfect book, he focuses on writing a book. This is so counterintuitive but he has written way more books than anyone else I know and has grown a net worth of over $500 million from using this type of massive action. 

Instead of me trying to wait to write the perfect book, I just wanted to focus on writing a book. I have to trust that I am good enough to do great work whether I spent 10 years on it, or 10 days. (It literally, probably only took me 10 days lol)


I wrote this book because I wanted to provide the information for those that are hungry enough to go and get it. I will admit that I do feel guilty when I am wearing expensive clothes and taking trips and not showing other people how to do it. Because whenever I tell people how to do it they don’t take action, sometimes I feel like it’s a waste of time. But I have to remember that people like us are far and few and somewhere out there there is one person who is dying to get their hands on this information. I believe that everyone’s goal should be to change one persons life before they leave this earth. This is our purpose. So if this book only helps one person, I have done my job.


This new #book, Millennials to Millionaires, is for my friends, the hustlas, the people like you and me, who REALLY want to make a difference and become #successful while we’re still young!!!!


Let me know if I you are paying attention by leaving a comment below and sharing this with a friend. – Q


Ready to get out of debt? Here’s who you should pay first.

Quentin B. Smith in the Lobby of the Westin Hotel, Atlanta GA. 2016

Lets be honest, you never forget when you owe somebody money. Now that you’re on your way to saving up that first $1000 for zero year of the Millennials to Millionaires project, you need to figure out which debt to pay off first. What I suggest is the “Debt snowball”; meaning that you pay off the smallest debt (even if it’s just $15) first and then moving up to the next smallest and then the next smallest.




Keep this updated after each pay off, and watch your debt disappear. Poof!

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Millennials to Millionaires: What to do in Year 0. 

So if you look at the chart. Year zero looks pretty easy, right? It’s not. Year zero is the most important year. It’s not just about saving up $1000; you also have to get our of debt. 

What we’ll do is save up $1000 first. That will act as our safety net for emergencies. Once we have that $1000 for emergencies, you won’t have to lean on those credit cards anymore… And once you’re not building up more credit card debt, you can start to knock it down.

I’m shooting a video today to show you exactly how. Be on the lookout and don’t forget to join the Millennials to Millionaires Facebook group. 

– Q

Why You need a $1M in your life.

I love owing people money. I get to not buy what I want so I can give the money to the rich people that own my credit cards every month. Nobody ever says that. Yet, every month that’s what we do. Remember those sunglasses you saw last week? Why didn’t you get them? Don’t lie. You told yourself that you had to “take care of a couple things first” and then you’ll “come back and get them”. Fuck that. Really, you’ve been trying to ‘take care of a couple things’ for years now. When are you going to take care of it?

Guys, it’s time to stop lying to ourselves about the life we want. It’s time to stop telling ourselves that it’s normal to have ‘a couple bills’. Yes, it’s normal. But you know what else is normal? Normal is 62% of Americans have less than $1,000 in their savings accounts.  According to a survey of more than 5,000 adults conducted by Google Consumer Survey (2015) for personal finance website, most Americans, can’t afford a $1000 problem. 

I won’t bash you because that may be your current situation. And that’s why you’re here. But it is no longer an excuse. Other people’s definition of normal is not yours. You need to figure out how you want I live and get excited about finally making that happen this year. 

Before we can get rich, we have to get excited.  We have to figure out what gets us excited. What gets us out of bed. People don’t buy a drill to get a drill. They buy a drill to get a hole. Same thing for you. You won’t make a Million Dollars to have a Million Dollars, you will make a million dollars to have something important in your life. 

Tonight, before you go to bed, think about what you want to have, what you want to do, and what you want to be within the next year. Tomorrow I will show you exactly how to train your mind to get it. 

— Q. 

Please share this with people you know are trying to get it with you. And Join the official Millennials to Millionaires FaceBook group.