64% Never Escape Level Four

In this episode of Excess Returns*, Matt Zeigler sits down with Nick Maggiulli — author of *Just Keep Buying and his new book *The Wealth Ladder*. Nick shares his six-level framework for building wealth, why mobility between wealth levels is rarer than most people think, and how your financial strategy should evolve as your net worth grows. From grocery freedom to travel freedom, and from the risks of ego to the realities of taxes and investing at different stages, this conversation offers a practical guide to managing and growing wealth at any level.