I grew up in The Netherlands as a first-generation immigrant. Where I lived, people were mostly unemployed and in rough financial situations.

Growing up, I saw a lot of people with financial problems. That motivated me to avoid that fate. As I grew up and started learning more about money, I realized that most people who live in developed countries have opportunities to earn.

The problem is that they often have bad money habits. You can have a decent-paying job and still struggle.

Look, not everyone gets rich. That’s because you also need luck.