You are the average of the five people you spend the most time with. This is true of every area of your life – especially your finances

You may think of your financial wellbeing as something you do alone or with your significant other. You may think it comes down to your level of discipline or ambition. But there’s one overlooked thing that also determines how much money you make, save, or invest: the people you surround yourself with.

If you’re purposeful, you won’t just have relationships, you’ll have wealth determiners: people that have a positive influence on your life and your finances. Who do you surround yourself with? Are they helping you or hindering you from building your wealth? Jay and Wendy Papasan are going to show you how to identify the difference.

Every year, we hold a Goal Setting Retreat for couples and teach this concept (along with an exercise to determine if you are missing wealth determiners and how to find them, or if any of your current relationships are undermining your wealth building). If you want to have this process facilitated for you visit the1thing.com/setmygoals.