In this episode, we sit down with Mau Hernández, a young entrepreneur and founder of Momentum, a marketing agency he built from scratch in his 20s.

We talk about the emotional, financial, and personal challenges that come with building something of your own, and what it really takes to stay afloat when everything depends on you. This conversation isn’t about hustling harder or getting rich fast. It’s about the real work behind entrepreneurship, patience, pressure, and personal finance.

If you’ve ever thought about starting a business, or if you just want to understand how entrepreneurship connects to personal finance, this episode will give you honest insights and practical lessons.

💡 In This Episode, You’ll Discover:

• The truth about starting a business in your 20s.
• Why entrepreneurship isn’t for everyone (and how to know if it’s for you).

• How to manage money as a business owner using the Profit First system so your business survives.

• Why separating personal and business finances matters more than you think.
• How comparison kills progress, and how to define success for yourself.
• The mental side of entrepreneurship, doubt, comparison, and patience.
• What to do when the business hits a wall (and how to keep going).
• Why building healthy habits and protecting your health is part of financial success.
• How small daily habits (sleep, routines, learning) compound into financial and personal growth.

⏱️ Chapters:

00:00 - Introduction
01:45 - The story behind “Momentum”
04:50 - Growing up with an entrepreneurial father
07:30 - The reality of starting a business young
10:15 - “If it grows, it’s because of you…”
12:00 - Why entrepreneurship isn’t for everyone
14:00 - The pressure of owning your results
18:30 - How long it takes to land your first client
21:00 - Building patience and learning from failure
25:30 - Morning routines and habits that build success
28:10 - How comparison kills growth
34:00 - Redefining success: income vs. fulfillment
36:30 - Managing business finances with Profit First
41:00 - Separating business and personal money
45:30 - Balancing saving with enjoying life
51:00 - Advice for aspiring entrepreneurs
55:30 - Throwing your hat over the wall - committing fully
01:02:00 - The truth about resilience and mindset
01:17:00 - Final reflections on health, balance, and growth

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From Bank of America to the car wash industry, Mike Loeb shares lessons from a diverse career in finance, investing, and real estate. In this trailer, you’ll hear a preview of his insights on customer value, lean management, compounding, owning real state and what it means to start early on the path to financial strength.

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