Hey Friend,


Your income engine isn’t broken.

You’re making money. You’re working hard. You’re hustling.


But it’s leaking like a sieve—and you have no idea.


While you’re grinding to make an extra $10K, you’re unconsciously losing $20K+ through invisible leaks you didn’t even know existed.


Forgotten subscriptions. Money rotting in 0.5% savings accounts. Inefficient payment systems draining 2-3% in fees. Unnecessary insurance premiums. The wrong entity structure costing you thousands.


Here’s the brutal math: That $20K leak, if plugged and reinvested at just 15% annually, becomes $1 million in 20 years.


One million dollars. Gone. Because you didn’t spend 20 minutes finding the holes.


In this newsletter, you’ll discover:


• The 5 hidden places your money is silently draining (with exact dollar amounts)
• A 20-minute income leak audit you can do RIGHT NOW
• How “small” leaks compound into million-dollar losses
• Real examples of entrepreneurs who found $15K-30K in one sitting


Stop working harder to make more money. Start plugging the leaks and keep what you’ve already earned.

The Truth: Your Income Engine Is Hemorrhaging Cash


Let me tell you something most financial “experts” won’t admit:

Earning more money doesn’t make you wealthy. Keeping it does.


You’re probably losing 10-20% of your annual income to leaks you don’t even see. If you make $250K/year, that’s $25K-50K vanishing into thin air.


The compounding nightmare:


$25K leaked annually over 20 years = $250K lost in raw dollars


$25K saved and invested at 15% annually over 20 years = $2.8 million gained


The difference between losing and plugging that leak? $3+ million.


That’s not a typo. One audit. Twenty minutes. Three million dollars.

Wealth isn’t measured by income. It’s measured by what you build with it. January 7–9, 2026, I’m hosting a live 3-day virtual workshop where you’ll build your complete Wealth Operating System from the ground up. Hands-on tools. Custom worksheets. Real-time coaching.

Start 2026 with a plan that actually makes you wealthier.
GRAB YOUR SEAT

The 5 Silent Money Killers (And How Much They’re Costing You)


Leak #1: Dead Money in Low-Interest Accounts


The leak: You have $10,000 sitting in a savings account earning 0.5%-1% interest.


The cost: That money should be earning 15%+ in optimized investments.


The math:

  • At 1% over 20 years: $12,200

  • At 15% over 20 years: $163,665

  • Your loss: $151,465

“It’s only $10K, what’s the big deal?”


The big deal is $151,000.


Most people work their entire lives hoping to save that amount. You could have it by simply moving money you already have to the right account.


Action step: Right now, check every bank account and brokerage. Any cash sitting idle earning less than 10%? That’s a leak.

Leak #2: Subscription Zombies


The leak: Services you forgot you’re paying for.


The cost: $2,000-5,000 per year


Streaming services you don’t watch. Software you don’t use. Gym memberships collecting dust. That $9.99/month “trial” you forgot to cancel 18 months ago.


Real example from the WealthOS community:

“Too many subscriptions I forgot about. I found $2,400/year in subscriptions I didn’t even use.”


Action step: Pull your last 3 months of credit card and bank statements. Highlight every recurring charge. Cancel anything you haven’t used in 60 days.

Leak #3: Inefficient Payment Systems & Fees


The leak: Transaction fees, payment processing costs, and hidden charges.


The cost: 2-3% of your revenue = $5,000-15,000/year for a $250K-500K business


If you’re processing $300K annually through payment systems charging 2.5%, that’s $7,500/year just in fees.


The optimization: Switch to lower-fee processors, negotiate rates, or restructure how you accept payments.


Compounded: $7,500/year invested at 15% for 20 years = $688,000


Action step: Review all payment processors, merchant services, and transaction fees this week. Get 3 competitive quotes.

Leak #4: Insurance Bloat


The leak: Paying for unnecessary coverage or overpaying for what you need.


The cost: $2,000-6,000/year


Duplicate coverage. Policies you outgrew years ago. Premiums you never shopped around for.


Garrett Gunderson (Mark’s mentor): “I want you to plug your financial leaks. Ten percent or more of people’s money is typically slipping through the cracks—to insurance companies, financial institutions, and even worse, the government. That’s money that’s rightfully yours if you have the eyes and financial savvy to put it back into your pocket.”


Action step: Audit every insurance policy—health, life, business, auto, home. When’s the last time you compared rates?

Leak #5: Wrong Entity Structure


The leak: Operating as a sole proprietor or LLC when you should be an S-Corp or C-Corp.


The cost: $5,000-30,000/year in missed deductions and liability exposure.


Real testimonial: “I got tax strategies I didn’t know about—even though I have a certified financial planner. It’s gonna save me far more than I spent on the event.” – Jacob Canfield

The wrong structure means you’re:

  • Paying more in self-employment taxes

  • Missing deductions on health insurance, retirement, equipment

  • Exposed to unnecessary liability risk

Action step: Schedule a consultation with a tax strategist THIS MONTH. Ask: “Am I in the right entity structure for my income level?”

The 20-Minute Income Leak Audit (Do This Today)


Step 1: Dead Money Check (5 minutes)

  • Log into every bank account and brokerage

  • Write down: Account name | Balance | Interest rate

  • Circle any account earning less than 10%

  • Target to recover: $5K-15K/year opportunity

Step 2: Subscription Purge (5 minutes)

  • Pull last 3 months of credit card statements

  • Highlight every recurring charge

  • Cancel anything unused in 60 days

  • Target to recover: $2K-5K/year

Step 3: Fee Analysis (5 minutes)

  • Review payment processors, merchant services, banking fees

  • Calculate total annual cost (revenue × fee percentage)

  • Google “low-cost alternatives” for each service

  • Target to recover: $3K-10K/year

Step 4: Insurance Audit (3 minutes)

  • List every insurance policy and annual premium

  • Mark the last time you shopped each one

  • Schedule calls with 2 competitors for quotes

  • Target to recover: $2K-6K/year

Step 5: Entity Structure Check (2 minutes)

  • What’s your current business structure?

  • When did you last review it with a tax pro?

  • Add “entity structure review” to your calendar for next week

  • Target to recover: $5K-30K/year


Total time: 20 minutes
Total recovered: $17K-66K/year
20-year compounded value: $1.5M-6M

The Bill Gates Principle: Stop Underestimating Small Wins


Bill Gates said: “Most people overestimate what they can do in one year and underestimate what they can do in ten years.”


You’re thinking: “It’s only $5,000. What difference does that make?”


The difference is a million dollars. That’s what.


Example: The $5K leak


If you make $250K/year and reclaim just 5% ($12,500) annually:

  • Invested at 10% for 20 years = $790,582

“It’s not worth my time.”


Nearly $800,000 isn’t worth 20 minutes?


Most people work 40 years hoping to save that much. You can have it by spending one afternoon plugging leaks.