In the year 1999, Schultz, at 21 years old, was still working at a gas station. Until one day, he bought a lottery ticket that hit the jackpot — $28 million. Instantly, he transformed from a worker into a multimillionaire, with financial freedom within reach.

Sounds like a dream, right? But here’s the reality: countless lottery winners become overnight millionaires only to quickly blow through their money, sometimes ending up bankrupt and life out of order. Why? Because they didn’t plan how to use their money.

Schultz is different. Although young, he’s clear-headed — he knows that having a lot of money doesn’t mean it will last forever. So he didn’t rush to spend; instead, he first consulted a financial advisor, carefully calculating what to spend, what to save, and what to invest. And then? He made a plan: financial management and investment, helping others, and doing what he loves (running a YouTube channel and Podcast).

Now he shares this logic on his platform — how to plan so that sudden wealth can become long-term assets, and he has also interviewed stories from other winners. This methodology is actually useful for anyone who suddenly comes into a large sum of money: pause first, think, then decide how to spend. It’s much smarter than spending first and regretting later.

In simple terms: the first step after getting money is not to buy everything, but to plan your finances.