Host: Kolby Krystofik, Owner of Oxnard|MVMNT
Guest: Dusty Breeding, Founder of Skull and Bones Society
Websites: www.oxnardmvmnt.com | www.skullandbonessociety.co

Episode Overview:
In this episode of MVMNT4LIFE, Kolby sits down with Dusty Breeding, founder of Skull and Bones Society, to dive deep into the world of finances. Dusty shares his journey from being in significant debt to achieving millionaire status, all while emphasizing the parallels between financial and physical health. This episode covers actionable steps you can take to manage your finances, avoid common pitfalls, and build a life aligned with your core values.

Key Topics Covered:

1. The Importance of Financial Health
   • Dusty explains the critical role financial health plays in overall well-being and how it parallels physical fitness.
   • He shares his personal story of paying off nearly $100,000 in debt and building a million-dollar net worth in 15 years.
2. Breaking Down the Debt Myth
   • The difference between “good debt” and “bad debt” is debunked, focusing instead on the inherent risks of all types of debt.
   • Dusty emphasizes caution and responsibility when it comes to managing debt, rather than categorizing it into “good” or “bad.”
3. The Power of Budgeting
   • Dusty introduces the concept of a budget as a “training plan for success,” similar to a workout plan in CrossFit.
   • Kolby and Dusty discuss how the first budget, much like the first workout, can be the hardest—but it's the key to unlocking future financial progress.

Takeaways:

1. Own Your Financial Story: Just like with fitness, taking ownership of your finances starts with an honest assessment of where you are. Dusty’s story highlights the importance of confronting financial challenges head-on.
2. Budget for Success: A budget isn't restrictive—it's the foundation for future financial freedom. The key to building wealth is living below your means, regardless of income level.
3. Action is Key: Whether it’s improving fitness or financial health, the key to success is taking action. Dusty’s actionable steps—knowing your values, planning, and budgeting—are the blueprint for achieving your financial goals.

Call to Action:
Free Budgeting Tool!
As a special gift to all listeners, Dusty is offering a free download of his Monthly Cash Flow Plan, usually priced at $20,
with the promo code MVMNT. You’ll also get a step-by-step video guide narrated by Cecily Breeding. Click here to download.

Want to improve your health and fitness?
Schedule a free consultation with Kolby at Oxnard|MVMNT to start building the life you want through fitness. Learn more here or reach out on Instagram at @oxnardmvmnt or @kolby_krysto.