Financial Freedom Series

Who said that going to work daily would get ahead in life? They told us to believe that we can grind away toward financial freedom.   However, that's not the case. To become free, we must work hard for income-producing assets.   With inflation on the rise and a recession on the horizon, it's more important than ever to value our money and resources.   To get ahead financially, we live below our means, find more work, and create passive income streams. Doing all these things together will give us the freedom they promised us.  

Safely investing your money is essential to building your high-yield emergency fund. Another tool we have is Certificate of Deposit (CD) laddering.    CD Ladders consist of buying different CDs at various times. This allows other CDs to mature at different times, allowing you to reinvest accordingly.   CD laddering aims to ensure you are getting the highest yields with the lowest risk. You don't want money locked away when it can achieve higher yields.   We can use CD Ladders and our other savings instruments to create an excellent umbrella of financial security—yet another way to ensure our financial safety through unknown times.  

Adopt a saving mindset, build up a big stash of emergency cash, get out of debt, and make sure you never run out of money. You're at the right place to learn just that!   Learn to control your money instead of letting it control you. · Why you should avoid debt and what to do if you have it. ·  The importance of having an emergency fund and an emergency-emergency fund. · How to shift your perceptions, myths, and biases about money. ·  Understand the key steps to building wealth. Living alone from the age of 14, Zoe learned to budget the hard way. Since her early teenage years, she had to earn, save, and invest her own money – which sometimes barely exceeded $150. In this book she's sharing her insights about how to manage even the smallest income to last the month, and even save. She gives concrete, actionable advice based on her own, and well-known financial experts' experience. The book will help you acquire financial knowledge and habits that will last. She will help you with getting out of debt, learning to save, and investing for your future.  · How to put your money to work for you. ·  Legitimate and time-tested trading and investing strategies for passive wealth generation. · Why traditional investing advice is flawed and what actually works. ·  Simplifying the jungle of 401(k), 403(b), 457(b), IRA, and Roth accounts.   Learn a complete budgeting plan for beginners that takes only 10 minutes per week to maintain. · Learn how to spend less and still enjoy life. ·  Learn how to save money – regardless of your income. · Get the simplest but best 1-page long budget how-tos, tools, and knowledge you need to finally get ahead.  My 1-page budgeting plan is a straightforward system that will completely transform your finances and knock out your money worries once and for all.

Are you struggling with debt and saving money? Can't say no to the tempting sales even though you know better?  Has budget has gone off track? Where the heck did your money go?  You're not alone. Minimalist Budget will help you to turn your bloated expenses into a well-toned budget, spending on exactly what you need and nothing else.  This book presents solutions for two major problems in our consumer society: (1) how to downsize your cravings without having to sacrifice the fun stuff, and (2) how to whip your finances into shape and follow a personalized budget. This is not a get rich quick book. But I can promise day-by-day, month-by-month, you'll budget better and become richer as a consequence. Regardless of how much your income is we'll find a way to budget, save, and increase your net worth.  Since my youth, I've had to live on a budget that ranged from $100 to $200 a month if I was lucky. Even though I never knew how much I would have the next month, I was always able to have enough for my essential expenses, personal pleasures, and savings. If you're tired of the false and impossible-to-follow promises of "finance gurus," try out my simple, straightforward, easy-to-stick-to methods.    Improve your spending habits:  •Incorporate minimalism into your finances •How to avoid becoming a minimalist consumerist •Learn the psychological traps that make you overspend  •Control your compulsive spending habits   Feel financially secure every day:  •Learn about two A-Z budgeting methods and how to make them work for you •Learn ratio-based budgeting and fixed-amount budgeting •Discover the best budgeting software programs •Design a bulletproof savings strategy to get out of debt, be prepared for emergencies, and set yourself up for retirement   Stop hating your financial life:  •Learn how to set SMART financial goals •Increase your self-confidence with budgeting •50 small budgeting tips Financial education is not part of our educational system. It is normal that we don't know how to budget when we step into the craziness we call adulthood. But it is not normal to stay ignorant about a field of life that (like it or not) guarantees our material survival.    Money management is an essential skill for everybody who earns, shops or consumes.  If you follow the budgeting tips in this book, you'll be able to keep track of your finances. You'll clearly know where your money goes, where it comes from and where can you save. You won't feel stressed of running out of money unexpectedly, you'll clear yourself out of debts and have savings for bigger expenses like a vacation, new car or unexpected events.

What's your retirement plan outside of social security and your 401K? Please tell me if you have more than those two items on your list.   Retirement is survival in the unknown, and those who prepare the best will win the battle. We need to have multiple streams of income that also increase over time.   I like creating a "combo retirement" that consists of two sources of income, such as rents/dividends or business/royalties.   You'll also need to prepare for whatever city or town you will live in during retirement. If you are planning for a high cost of living area such as California or New Your, plan accordingly.   In the end, retirement should scare the crap out of you. This fear of the unknown makes us over-prepare. And that's how we win the battle—having more answers than questions.  

We all love seeing beautiful weddings on tv. The lights, flowers, and gowns all look so fantastic that many of us dream of having our own wedding.   However, there can be a massive cost to having a top-tier wedding. Therefore we must remember the true purpose of a wedding and marriage; to be with the one you love.   Starting your marriage on the right financial path can be challenging if you overspend on a wedding. Quickly after the wedding, you may have to buy a home, pay off student loans, or have a child.   Inside, I give you some tools to have the best of both worlds: a beautiful wedding while ensuring you have the financial safety net for a long, successful marriage.  

The school system doesn't create well-educated children. I'm not here to blame anyone because it's challenging to educate people in mass.   This opens the possibility for educators to build their own tutoring businesses. But we are not aiming to exchange time for money.   We can release blogs and videos teaching our various educational techniques. From these, we can build online courses and printables.   Finally, we can do one-on-one tutoring, but it will be costly. We can reduce the cost if we can release videos of the tutoring sessions.    This allows us to make money upfront and continue to make passive income on the backend.    Tutoring will be the wave of the future during the 2030s. Every child learns differently, and tutors will help kids grow while maintaining their creativity. Good Luck!  

Life is much more challenging if we go through it alone. If we learn to share, we can make new friends and grow our wealth—a true win-win.   But what things can we share? How about our home, cars, land, and wisdom.   There are many ways to connect to others while adding value to the world. And because money is the exchange of value, we will become rich along the way.   The final step is to invest our earnings into dividend-paying stocks—ensuring the fruits from our sharing last for generations. Good Luck!  

They preach that we should start funding our 401K promptly as we enter the workforce. But is that doing more harm than good?   Yes, most people need assistance saving for the future, and the 401K is a fantastic tool to facilitate compounding interest.   However, we lock this money away during some of the most expensive parts of our life. These moments include weddings, buying a home, and having kids.   Wouldn't it be better to have income today via a dividend portfolio? With a recession coming, would you rather have $1,000/month coming in via dividends?   It requires discipline to build a brokerage account outside of a 401K, but it may be the best way to survive the unknown. It starts with education. Good Luck!  

Do you love playing video games? I love playing Pokemon games when I get the time. Would you love to earn money passively while you play?   It takes a lot of time and effort upfront to get things in motion, but it is possible to make money while playing video games.   The key to everything is creating a blog as your home base. Then you can add evergreen video game content, podcasts, books, and unique collectibles to your content inventory.   The blog is vital because that's how you keep fresh eyeballs coming in from search engines. Once you can grab someone from the "street," you can convert them to a superfan with your content.   

Do you crave the feeling of being wealthy? Is it too tough to get ahead in your major metropolitan city?   Maybe you should take your huge salary and move to a small city? But, small towns usually don't offer large wages, so how do you make the transition?   Passive income is the key to success. Build massive streams of passive income BEFORE moving to a small city.   Living in a town can give you all the benefits of being in America while letting your passive income do all the heavy lifting. However, you'll need a solid plan to complete this major accomplishment. Start planning today!  

The military is a fantastic place to discover yourself while building a career in the process. But there are also intangible benefits as well.   We live by core values such as honor, courage, and commitment. We also do not follow individualism and freedom of expression. We work and fight as a team—forging lifelong friendships along the way.   The tangible benefits also stand out from being a civilian. We have free housing, food, gyms, travel, and education.   The kickers are the VA Loan, GI Bill, and our incredible military pension system. Overall, there are not too many reasons not to join the military. Fight for your country and build your life—what's not to love?  

The media says earning $75,000/year is the magic number for happiness. You have enough to support your family and some leftovers when you achieve this amount.   I agree with the $75,000/year number, but with caveats. I like to earn much more than this but live at this standard.   Living below my means allows me to invest the additional cash flow into income-producing assets. These assets make me more money, helping my family overcome any present or future obstacles.   I am all about living at $75,000/year; however, I want to make $200,000 to $300,000 in passive income per year. This allows me to continue to grow my income by reinvesting the leftover cash. Life is Good!  

Are you desperate to make ends meet each month, constantly wondering if you can pay the bills?  If debts are poisoning your life and you want to make your dollar go 10X further, it's time to BUDGET. Unemployment has been high, debts are reaching record levels, and rent prices seem to be skyrocketing everywhere. Budgeting won't save the world but it will solve these problems for you.    It's time for getting financial awareness in your life to:  •Get out of debt quickly •Learn to save a shocking amount •Invest in your future  •Step on the road of financial independence and victory Living alone from the age of 14, I learned to budget the hard way. Since my early teenage years, I had to earn and save my own money – which sometimes hardly exceeded $150. In this book I'm sharing my insights about how to manage even the smallest income to outlast the month. I will give concrete, actionable advice based on my own, and well-known financial experts' experience to help you acquire financial knowledge and habits that will last.   This book can help those who are just starting out their independent financial life just as much as it can help people choking on debts. I will highlight the most common money mistakes and myths people fall prey for, and teach you how to avoid them.    Take charge of your money today.  •The 5 biggest money myths and how to beat them •5 ways to create a personal budget •How to get out of debt •6 tips how to stay out of debt   Learn the fundamentals of money management.  •Learn how to spend less and still enjoy life •Learn how to save money – regardless of your income •10 tips for women on how to improve their overall financial life •30 quick saving, budgeting advice   Like it or not, money is part of everybody's life. Learn to control it instead of letting it control you.  You can turn a blind eye on your financial problems but they won't disappear. Learn about the best personal finance choices today so you can live a financially balanced life in the future. Build a solid foundation for your family and yourself.  Being better with money changes the rest of your life. Imagine not worrying about debt, bills and late payment fees anymore. Follow the tips presented here and it becomes reality.  After reading Budget Like A Pro you will be able to hit short and long term financial goals, plan your escape from debt, set up savings accounts, regardless if you're just out of college or you're in your 40s and you're desperate.

The hype surrounding the metaverse has died down for now. However, savvy business owners and entrepreneurs will take heed to continue their pursuit of the future.   Consulting will be a profession that the metaverse can change drastically. The concept of meeting with clients and "walking the spaces" from afar opens new possibilities.   More importantly, the idea of creating artificial intelligence modeled after you can multiply your revenue.    What makes you unique as a consultant? If you can extract your experience and problem-solving and emplace it into an A.I., you'll have the keys to the kingdom.    It may seem far off, but there was a day when watching videos on the internet was a pipe dream. Good Luck!  

Many people flock to the stock market to create their fortunes, only to be left wanting. If you go to the stock market to become rich, you'll be sorely disappointing.   The fact is, you don't have much control over the stock market. Truthfully, all you can control are your emotions.   You'll need complete control over the venture to create a wealth generator. This includes time, income, and people. In short, you can control the outcome as an insider.   I discuss many wealth generators inside. Once you have a solid wealth creation tool, funnel that money into the stock market.   You will then have two sources of income—wealth generator #1 and dividends. Things really become fun when you add multiple wealth generators. Good Luck!  

The FIRE movement requires you to have a lot of money before leaving the workforce. What if there is a way to reduce your time before retiring?   How about starting a writing platform that you can leverage until the end? You can receive royalties and have something to do during your retirement.   However, writing is not an accessible space to gain a following. It takes a lot of words before you can build an audience.   For this reason, you'll need to build your writing platform ten years before retiring. This goal will give you ample time to retire comfortably while allowing your work to compound. Good Luck!  

Being a coach is a demanding career because you have to bring more energy than your client. They expect you (and pay you) to be on point, knowledgeable, and a leader.   Today, I'll explore four types of coaching that will move into the metaverse: health, wealth, fitness, and life.   Each coaching professional can benefit from moving into the metaverse by leveraging immersion and connectivity to their clients.   We must prepare to jump into the metaverse today by having complementary products available for the transition. We don't have to rush towards the gold; we need only sell the pick axes.  

Bad days in the stock market are not fun for anyone; however, we can use them for our benefit.   Because we are already dollar-cost averaging and reinvesting dividends into our favorite stocks, we can accelerate our wealth creation by "buying the dip."   When we see our favorite stocks at fire-sale prices, we can double down and lower our average cost-per-share while increasing our dividend yield.   It's a win-win as long as you can keep your emotions out of the situation. If you remain calm, you can accumulate wealth much faster during a bear market.  

The advertising ecosystem went through a massive change from print ads to YouTube sponsorships. Now, individual content creators hold significant influence over huge audiences, and brands understand this new dynamic.   As we enter the Metaverse, advertising will again go through a metamorphosis. Instead of seeing static displays and posters, consumers will want to enter these worlds through the metaverse.   Think of the last science fiction movie you watched. Now imagine entering this world at your own home. Inside, big brands and local stores will sponsor various shops, bars, and meeting areas.   Content creators will then create new content inside of these new metaverses. Brands will sponsor this content because it encourages consumers to return to their worlds continually.   If you aren't a content creator or don't have a content strategy, now is the time to build this vital resource. Content marketing is the new advertising, and there will be a need for 5-10 times more content as we move into the metaverse. Good Luck!  

Do you spend on a lot of junk that doesn't make you happy? Instead of happiness, does money bring anxiety, stress,& debt into your life?  If your savings account is nonexistent and you have no idea where your hard-earned money is going, it's time to redefine your spending habits.   Living alone from the age of 14, I learned how to spend and manage money the hard way. Since my early teenage years, I had to earn my own money – which sometimes barely exceeded $150 for a month. In this book I'm sharing my insights on how to manage even the smallest income to outlast the month, and how to spend smarter on more fulfilling things.  This book can help those people working their first jobs, or experienced people that just make poor money decisions. I will highlight the most common money myths, marketing tricks, and irrational beliefs people fall prey for and teach you to avoid them.    Take charge of your money today.  •Scientific research about the psychology of our spending habits •Learn how to spend less and save more and still enjoy life – regardless of your income •How to assess value to make the best financial decision •Map out your spending patterns to know where you need to change   Like it or not, money is part of everybody's life. Learn to control it instead of letting it control you.  •The top 5 reasons people spend money •Why the Six Persuasion Principles by Robert Cialdini get us almost all the time?  •Understand online shopping and credit cards. Why are you more willing to spend using these? •Marketing tricks that always get you – deconstructed from subtle to overt You can turn a blind eye to your financial problems, but they won't disappear. Learn about the best personal finance practices of the rich and happy live a financially balanced life in the future. Build a solid foundation for your family and yourself.  There is a thin line between being cheap and frugal. Learn how to spend without getting labeled as cheap and without sacrificing your family's wellbeing.    Arm yourself against the most common spending mistakes.  •How to break the vicious circle of shopping habits •Financial literacy crash course: A-Z finance vocabulary, the five pillars of financial literacy and more.  •4 things you should invest in •Financial fasting and how to use it to your benefit •Key takeaway summaries at the end of each chapter   Get financial awareness in your life:  •Get a clear picture on the difference between the 401(k), 403(b), TSP, IRA and Roth accounts •TRFs (Target Retirement Funds), HSAs (Health Savings Accounts) and RMDs (Required Minimum Distributions)  •Why should you have F-you money •How can your money take you to financial independence (The 4% rule.)  Financial literacy changes the rest of your life. You will have a better relationship with money by thinking about it differently. You will know the unique ways to spend smarter and build wealth. Imagine not worrying about debt, bills and late payment fees anymore.    Picture paying for things that actually add value and happiness to your life. Follow the tips presented in this book and make it reality.

Most people confuse an Instagram picture with real life. Life in the real world takes work to build and work to maintain.   You can have everything you want in life if you put in the work. In aviation, they say it takes ten maintenance hours per flight hour.   The same happens in life. You'll need to maintain healthy relationships if you want terrific vacations and extraordinary celebrations.   You and everyone will change along the way; you'll have to decide if it's for good or bad. Be yourself and surround yourself with amazing, trustworthy people, and you'll fulfill your mission in life. Good Luck!  

Leverage is a double-edged sword; it can elevate your gains or magnify your losses. Thus, using leverage carefully is necessary to reap its benefits.   Leverage is the debt we use to buy income-producing assets. The most common form of leverage is taking a mortgage on a home.   Because leverage can allow you to buy many more assets, investors can get carried away during the good times.   However, if the stock market crashes or people stop paying rent, you'll still owe your loan payments to the bank.   A good practice is using leverage, paying off the loan, keeping the assets, and repeating the process. This method is the safest way to build a stable of income-producing assets. Good Luck!  

Have you fumbled the bag in your life? Have you had an excellent opportunity to change the trajectory of your relationship or finances?   Chances are, you didn't understand how powerful this opportunity was in your life. Society doesn't want you to actually change.   You must read books and take massive action to exploit these wonderful opportunities. That is the formula for getting "lucky."   Once an opportunity comes to the forefront, take an educated attempt to leverage it. This is how we keep from fumbling the bag.  

Everyone has easy access to credit cards nowadays. These things can become quite dangerous if used freely.   Debit cards ensure you have the funds available to make the purchase but also offer fewer rewards and protections.   There are benefits to both, but you must understand them before using them. Debit cards should be your first foray into the card business.   There are unique debit cards that give cashback rewards and others that feed you dividends.   Once you have an emergency fund and are debt-free, credit cards may be an option to increase your wealth. However, you need to respect their destructive power. Good Luck!  

Going into the office has lost the luster it once demanded. Today, we stay in overly long meetings, lack training resources, and watch our fellow employees play on their phones all day.   Remote work can be a dream come true for top performers. I envision that most remote workers will soon work in a freelance-style consulting capacity.   It is becoming increasingly expensive to maintain a large number of lazy employees. Do you have what it takes to be a consistent remote worker?   The traits that make you an above-average remote worker will allow you to become an investor, content creator, and entrepreneur. The magic of remote work is that it opens the door to many of our income streams. Good Luck!  

The standard rule is that you need 6-12 months of expenses in your emergency fund to consider it fully funded.   In reality, it's your money and your life. How you feel towards money is how much you'll need to be financially secure.   There are many external inputs to your emergency fund size as well. These include paycheck reliability, job security, and retirement date.   You should supplement your emergency fund with multiple income streams from a business, real estate, or royalties. If you lose your job or have a medical issue, your emergency fund PLUS your other income streams can carry you during your downtime. It's the process of making you financially secure and worry-free.

We will all need additional cash flow as the recession progresses, but how should we earn more money?   We want to keep time with our family; therefore, we want income to flow as passively as possible.   Renting rooms will require skills such as advertising, maintaining a clean environment, and dealing with tenants.   An online business requires mostly patience and the ability to add value to someone else's life.   These income streams have pros and cons, but combining them lets you get the best of both worlds. If you need income, come inside to read more.  

Do you fancy yourself a foodie, cook, or chef? Does the idea of selling your menu items from a mobile restaurant sound intriguing?   Well, you've come to the right place. Even better, you can have your cake and eat it too.   We will also discuss how to turn your food truck business into passive income via automation and management.   Lastly, the world wants to know about your exploits so that we can add a blog and social media. Once you have a winning formula, you can turn your food truck business into a franchise so others can follow.   It will be a long road, but if you genuinely love feeding and serving others, you'll have the time of your life. Good Luck!  

I would love to say that working hard will allow you to become debt-free—an untruth that they have told us from an early age.   The only way to become debt-free is to understand how money flows in and out of our lives.   Sadly, we are so busy with life that getting into debt is easier than getting out of it. Debt causes stress, anxiety, and fear.    You are not alone, but only you can get yourself out of debt. I was there, so I know the pain. I got out of debt as a family person; therefore, you can destroy your debt too. Don't let debt cripple your current and future well-being.