I’m sure you’ve heard the oft-repeated phrases about patience – “Patience is a virtue” and “Good things come to those who wait”. So true. What’s equally true is their opposite – Impatience tends to breed mistakes, loss and unnecessary cost. Get in a hurry on the freeway and you’re likely to get a ticket or […]

If you’ve read my ebook, The Financial Freedom Formula, you know that I’m a big fan of mantras. Mantras are just short sayings and quotes that I’ve memorized, that distill a larger idea about wealth into something that I can easily carry and repeat. Mantras help me keep rock-solid ideas about money front and center […]

Can you believe that the new year is just ahead? Are you getting excited? As we enter into a new year, it’s a good time to begin thinking about what you want to accomplish financially in the next 12 months. I have some tips today that will help you crush your financial goals in 2020, […]

Halloween just passed and it was once again a time for goblins and ghosts to scare us. But there’s something that can be even more scarier out there than skulls and witches… it’s entrenched (but wrong) beliefs about success.  Our beliefs about our own abilities both fuel and predict our success. In other words, if […]

Everybody I know and everyone that I meet, when they find out what I’ve done, they want to do the same thing. 100% of them. Not a single person has ever said to me that they don’t want to be financially free. In fact, I would argue that everyone wants to be financially free. I […]

A couple of years ago, the State of Illinois was on the verge of becoming the first state ever to have their credit rated as “junk”. This situation was the result of the state spending more than they could afford and then trying to masquerade it with clever budgeting tricks. After decades of mismanagement and […]

Do you know if you are saving enough for retirement? Many people don’t have a clue. And when they ask me, “How much money do I need to retire,” they are not too happy with my answer. According to an ING survey, a third of people over 55 think they need to save $250,000 in […]

Many think that they’re destined to struggle financially forever. They’re no stranger to reading about how to become wealthy, but getting there seems impossible. And I’m here to tell you… Becoming financially free takes work. Let me be clear. If you don’t have a reason to do it, a purpose, you won’t do it. I […]

Grace Kelly famously said that “getting angry never solved anything”. I couldn’t disagree more. While an obnoxious temper is not good, there are some things that should disgust us – racism and child abuse come to mind. William Blake had a better quote than Kelly’s – “Those who control their passions do so because their […]

What is financial freedom? This blog is 100% about achieving it, but I haven’t spent much time actually defining it. So, let’s fix that… For me, financial freedom means having more than enough reliable and repeatable passive income that you can forgo having to work for earned income. This core element of financial success gives […]

Pop quiz? If someone says they’re going to do something but doesn’t actually do it, does it really count? Of course not. Yet, many people mentally “grade” themselves in a way that intending, even really intending, to do something counts as “just as good” as doing that something. From my experience, we as a society […]