Matt Sapaula AKA “The Money Smart Guy” is the Chief Distribution Officer for PHP Agency, a financial services firm based out of the Dallas Texas area. Many of you may have heard of PHP because of it’s founder, Patrick Bet-David who hosts the popular Valuetainment Podcast. Matt is a US Marine Corps combat veteran who transitioned into the insurance industry where he has been able to become a first generation millionaire. Our conversation in this episode is about Matt’s belief system in capitalism and how that has evolved as he went from a US Marine making less than $2,000 a month to his current status as a high level insurance executive. Despite his current status, Matt is as down to earth as it gets…of Filipino background and coming from modest beginnings in the Chicagoland area. This is one of my shorter episodes but it’s packed with content. If you want to know more about him, you can follow him on Instagram at and his YouTube Channel If you'd like to support the channel you can do so at