When it comes to financial health, David Harper is a force to be reckoned with. As the CFO of M.O.T.M. Vaultage®, David doesn’t just talk numbers—he changes lives. With a no-nonsense approach to money management, he’s on a mission to break the cycle of financial illiteracy and build stronger financial foundations for families and individuals everywhere. Today, we’re diving deep into how wealth and health are inextricably linked, with David sharing his insight, wisdom, and a little of his signature sass.
David, thanks for joining us. Let’s jump right in: what was your “aha moment” that made you realize wealth and health were inseparable, and how did it change your approach to helping professionals?
David: Oh, it’s simple—it’s when I started getting flooded with calls from people looking for rental homes. You’d think they’d have their finances in order, but reality check: most didn’t. After just a few conversations, I realized how many people are out here just winging it financially. They have no idea how income, budget, and credit interconnect. That’s when I knew I needed to take things to a new level—teach foundational financial skills, so people could not only rent a home, but thrive in every part of their life. So, I got to work.
That’s incredible. Now, I have to ask—what’s one surprising “money myth” you’ve had to debunk for clients? And how did it completely change the way they view their finances and health?
David: Oh, where do I even begin? A lot of folks are told they need to save six months’ worth of expenses, invest in stocks, or get a credit card. But here’s the truth: that’s advanced stuff. I’m about going back to basics. You need to learn to earn more, budget, and save small amounts first. I mean, if you can’t save $5 a week, how are you going to save $500?
People need to understand money management at a foundational level. It’s all about those small, smart moves that stack up—teaching them how to manage their credit, how to make those small sacrifices to hit big goals, and building a sustainable financial future. This isn’t just about money; it’s about your life. When you get your money right, your mental and physical health follow.
So good. Now let’s get personal—what’s one unforgettable success story that made you feel like, ‘THIS is why I do this work’?
David: Oh, hands down, the client who couldn’t get into a rental because of her credit. She was struggling, but I broke down budgeting with her, taught her how to negotiate, and helped her build a plan. By the end of it, she was able to get a home for her family—and she was thrilled. She went from thinking she had no options to being in control of her financial health. And here’s the kicker: she taught her family what I taught her. That’s the power of financial literacy—it doesn’t just change one life; it changes generations. That’s the kind of work I’m here for.
I love that! Now, what’s one “money trap” you wish everyone would avoid?
David: Overusing credit cards! It’s a trap. A lot of people swipe without limits, not realizing how much they’re racking up in interest. The golden rule is to use no more than 10-30% of your credit limit—and pay it off fast. And whatever you do, don’t close your credit accounts unless you absolutely have to. You need that history to build your credit score.
Preach! Now, let’s flip the script a bit. What’s one thing wealthy people do with their health that most people would never think to do?
David: Wealthy people focus on their financial health and make it a priority to pass that knowledge to their kids and family. Financial health is deeply connected to everything else—your stress levels, mental health, and even your physical health. When your finances are in a good place, it frees up energy to work on the rest of your well-being. It’s all connected, and they understand that.
You heard it straight from the financial expert himself, Collective. So, if you want to build wealth AND health—start with your financial foundation.
Ready to make your finances as resilient as your mindset?
David’s no-nonsense approach to financial health is here to help you break the cycle of stress and uncertainty, one smart move at a time. With Wealth is Health, you’ll learn to build a financial foundation that supports your mental, physical, and emotional well-being—because it’s all connected.
Say goodbye to winging it, and hello to thriving.
Let’s turn small steps into generational impact.
Click here to meet with David and start rewriting your financial story. Your health (and your future self) will thank you.
