Baby Steps Can Lead to Big Time Money Results

Baby Steps Can Lead To Big Time Money Results #debtfree #networth #studentloans #debtpayoff

Hi, Team! I’m thrilled to bring you this story of how Dr. Jeff (the Debt Free Doctor) and his wife used their hybrid version of Dave Ramsey’s baby steps to pay off hundreds of thousands of dollars in student loans on his way to a 7-figure net worth. Dr. Jeff is an impressive guy, and with my wife and I owning and operating our own dental practice – I’ve already learned a great deal from Jeff. But the best part about this story – you don’t have to be a doctor to take some great debt payoff lessons with you! If you’re looking for more stories about how tough, hard-working people have paid off tons of debt, I have this one about Jon and Heather and this one about my first client. But today isn’t about my posts, it’s about an inspirational family achieving great results through discipline and hard […]

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Diversify your Portfolio (Financial Pillar #9)

How to Diversify Your Portfolio #saving #investing

Check out the complete list of Financial Pillars Here   During the market crash in 2008, I kinda-sorta misplaced $20,000 worth of mutual funds. This represented 66% of my total funds invested in the market at that time.   That was a gut-punch.   Do you know what was worse?   When I lost 66% of my invested money, I also lost 66% of my net worth.   That was a kick in the groin… Followed by a gut-punch and a smack in the face. Then The Rock came by to give me the People’s Elbow… And when I got back up, Chuck Norris stopped by to roundhouse kick me in the face.     Yeah… It was like that…   After dusting myself off and eventually standing back up, I vowed to never let one attack take me down again.   I vowed to diversify my portfolio   Let’s […]

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10 Rich Habits to Improve Your Life

10 Rich Habits to Improve Your Life #wealth #personalfinance #personaldevelopment #financialgoals #richlife

Hi, Team! When I introduce a guest blogger on the site, I always say that I’m thrilled to feature the author, that I took great information from the post, and that I can’t wait for you to read it. And that is 100% true. If I didn’t love a guest post, it won’t get published. Period. So I will say all of those things about this post and this author. And I will also tell you that the below post about rich habits is incredibly insightful and can have a significant positive impact in your life. But I’m not stopping there This post was written by ESI from ESI Money, a blog about achieving financial independence through earning, saving, and investing (ESI). It’s written by an early 50’s retiree who achieved financial independence, shares what’s worked for him, and details how others can implement those successes in their lives. He is also […]

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Is Your Family Prepared for an Emergency?

Is Your Family Prepared For An Emergency #Prepping #Prepared #EmergencyResponse #Safe

Hi Team! I am stoked to share the below post with you today! This one is all about how to best prepare your family in case of an emergency and it comes to us courtesy of Othala Fehu: Two government lawyers with 2 kids, rolling towards FIRE (Financial Independence / Retire Early). The only pagan Net Worth Blog around, I think. I also delve into Prepping and Precious Metals because I am otherwise worried I would become too popular.   I have been asked several times now to provide a piece on prepping in relation to personal finance blogs. For me, I am always glad to provide the piece. There is no reason these two passions are not linked more often. I find many of the same traits abound in each niche; Frugality, Minimalism, Self-Reliance, and Independence. It’s hard to gauge just where I should start a post about different concepts and ideas […]

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I Found True Happiness on the Far Side of the World

Finding True Happiness On The Far Side of the World #Joy #Happiness

It was “go outside and start sweating instantly” hot with 100% humidity.   We had finally made it to a suitable campsite at about 4:00pm and I was quickly running out of water. The 4 liters I had packed in the morning were all bone dry, save for a few drops in one of my bottles.   The rum was still half full though… But that wasn’t going to do my dehydration much good. I glanced at my two friends, both dropping their packs and seemingly exhausted. We were the only 3 humans within 50 miles on the uncivilized edge of a Costa Rican rainforest. Ocean to our west and deadly rainforest to our east. The options were few.   I knew we had to take care of a few priorities. Quickly. Darkness was coming and we needed to set up our tents, start a fire, and find water. All […]

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A No-Nonsense Method to Crush Complacency

No-Nonsense Method to Crush Complacency #Goals #Progress

For the past 5 days, I had been feeling like garbage   I’d get a decent amount of sleep but wake up exhausted. My workouts were uninspired. And every time I’d sit down to start writing at night, the words I typed were wasting the digital space they occupied.   “What’s the deal here?!?” I’d say to myself. I was following my self-prescribed 10 Steps to not have a stress-induced heart attack (read: don’t burn out) that had previously worked superbly. But not this week.   I was in a rut and didn’t know how to get out   At about 11:00 on Friday morning (Day 5), I made a decision. Instead of just accepting this constant feeling of ‘blah’ – I decided to take action.   It would’ve been easy and uncomplicated to just sit in my office’s break room for 30 minutes, eat lunch, then proceed with this […]

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What To Do When You Inherit One. Million. Dollars.

What to Do With An Inheritance #ReduceDebt #Save

What would you do if you Inherited a Million Dollars? Here is what it would feel like if you won a million dollars… or at least how I see it going down. You wake up, turn on the coffee pot, grab some breakfast and flip open your laptop. As you are logging in you decide to grab your phone and look at your checking account because it is payday. However, when you pull up the account you notice a 7 digit number instead of the normal 4. You spit coffee all over your laptop but who cares, you are officially a millionaire! After the shock wears off (if it ever does) you are now confronted with one question: what are you going to do with your new fortune? So now what do you do? Opposing Viewpoints Blog Battle! Hey, so before you read any further this is a dueling blog […]

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67 Great Frugal Tips to Make you Wealthier Today

67 Great Frugal Tips to Make you Wealthier Today

There was a point in my life when I’d ask my college roommates to bring me back ketchup packets from their lunches out (#1). I wasn’t about to pay full price for the Heinz when they’re just giving that stuff away at some local establishments… I mean, C’mon.   I say the above to let you know that I’ve sat for hours contemplating different ways to save a buck here or earn a buck there. All in a combined frugal effort to fight the staggeringly large 6-figure student loan debt over our heads.   And now that I’ve been to the frugal mountaintop and we’re nearing the end of our student loan repayment, my personal finance nerd friends and I will occasionally search the web for frugal tips that we haven’t heard of or tried in a while.   But I haven’t found a comprehensive list that details all the […]

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Shout-out: 20 Reasons Why I spent Over $10,000 on a Home Gym

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Hello all!   Our Saturday morning shout-outs highlight a post/article/book/other that I’ve come across lately that deserves exactly that: a ‘shout-out.’ The goal here is to hopefully introduce my readers to other authors or bloggers that have had an impact on me, my writing, and my life.   This week’s shout-out is: 20 Reasons Why I spent Over $10,000 on a Home Gym(Miguel – The Rich Miser)   Click here to check out the post!    While I’m not planning to shell out $10k on a home gym, my optimistic-self thinks that a (less expensive) home gym could be in my future. Aside from the convenience factor of having the gym in your house, Miguel goes on to extensively explain why what some may consider a luxury item should be at least considered as a staple. Hey, I write about fitness on occasion, so the fitness as a priority point isn’t […]

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Why I Write About Finance and How YOU Benefit

Why I write about finance

Investment banker I am not…   Nor do I call me a CFP (Certified Financial Planner), accountant, or loan officer. Do you know what I’m actually pretty good at, though?   Handling money well… And teaching others to do the same   My knowledge when it comes to finance is less Formal MBA, and more: live, learn, and fine-tune moving forward. And I knew from an early age that learning about money and how to handle it was one of my passions.   (Photo courtesy of MKulp Photography)   Meet the Neighborhood Lawn Care Co.   My first entrepreneurial story takes place around age 12/13 and I remember it like it was yesterday.   This was back in ‘98 or so, and that’s when color printed flyers in mailboxes actually got looked at. I used that fact to my advantage when I “created” The Neighborhood Lawn Care Co. and sent out […]

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