Building a $100M Wealth Plan
with Ryan Moran

Listen on YouTube, Spotify, or on Apple Podcasts

Ryan Moran, entrepreneur and investor, shares his journey from financial uncertainty to a clear, long-term wealth-building strategy. After experiencing big wins and painful losses, he realized that consistent, disciplined investing beats chasing risky “get-rich-quick” moves. In this conversation with JP, Ryan breaks down his $100M wealth plan—centered on S&P 500 compounding—and how aligning money with purpose creates both financial security and fulfillment.

Key Takeaways

  1. The Power of a Simple, Long-Term Plan
    • Ryan’s minimum viable investing plan: $200K/year in the S&P 500 (historically ~9-10% returns).
    • Over 40 years, this compounds to $100M—giving him co
    • The math: Consistent contributions + market returns = exponential growth, even with modest annual inputs.
    • Key insight: You don’t need “home runs”—just avoid big losses and let compounding work.
  2. Three-Tiered Investment Strategy
    • Foundation (Safety): Index funds (S&P 500). Non-negotiable baseline.
    • Growth: Undervalued stocks he researches (e.g., tracking earnings, waiting for “sales”).
    • Speculation: Bitcoin, real estate, or startups—only after hitting baseline goals.
    • Rule: Never speculate until the $200K/year foundation is fully funded.
  3. Mindset Shift: From Scarcity to Safety
    • A plan eliminates anxiety—he now enjoys wealth along the way (e.g., family trips, passion projects).
    • Permission to spend: Once the $200K/year goal is met, “extra” money can fund joy (e.g., vacations, community projects).
    • Past mistake: Letting windfalls disappear into poor investments instead of securing the baseline first.
  4. Wealth with Purpose (JP’s Advice)
    • Attach money to meaningful goals (e.g., a mentorship-focused co-working space, dream vacations).
    • Short-term “wins”: Celebrate milestones (e.g., buying a duplex, funding a nonprofit) to stay motivated..
    • Example: JP ties financial goals to family experiences (e.g., a lavish Korea food tour with his son).
    • Give generously—it breaks money’s psychological grip and amplifies fulfillment.
  5. Ryan’s Next Steps
    • Define 3-5 purpose-driven milestones (e.g., a life-changing family trip, community project) to make the journey joyful.
    • Exercise: “If money were no object, what would I spend time on?” Use answers to guide investments.
    • Homework: Write down a “wealth vision” blending financial targets with personal legacy goals.

Actionable Lessons

  • Start with safety: Automate index fund investing before chasing higher returns.
  • Layer in purpose: Align extra funds with passions (e.g., real estate in your hometown).
  • Give to grow: Donate to causes you care about—it shifts your relationship with money.

Final Thought

True wealth isn’t just a number—it’s freedom: freedom from fear, freedom to create, and freedom to enjoy life while building legacy. As Ryan says, “Having a plan lets me breathe—now I can focus on doing great work.”