If I were to ask you what’s stopping you from becoming wealthy, what would your answer be? Would it be an “inner” answer or an “outer” answer? Outer answers typically describe constraints that are outside of someone’s control. Such as… The environment they were born into. The government. Taxes. The economy. The amount of lucky […]

The Great Recession of 2018-19 gave rise to many new things: A record number of bankruptcies, foreclosures and business failings. The Occupy Wall Street movement. And for the first time in decades, a decline in birth rates. But the Great Recession also gave rise to something I never thought I would see. Something that still […]

Teachers love to tell students that when they get older that they’ll count their high school days as the best time of their lives. And like every kid before us, we all said, “No way!” But we have to give them credit, the teachers are right on this one. Since graduating high school, when else […]

According to some new surveys, Americans are more anxious about money than ever before. A wellness survey by Stanford University and Fidelity Investments of more than 9,000 employees of companies around the country found 42 percent fell into the “unwell” category with their finances, with only job-related stress ranked higher. Sixty-seven percent of Americans say […]

“Some people dream of success…others stay awake to achieve it” -unknown I am a firm believer in the idea that success doesn’t happen to you, you happen to it. I learned this to be true when I decided to be financially free – something that had not been done before in my family. As I […]

I grew up poor. Neither of my parents finished high school, type of poor. Three kids to a bedroom, type of poor. We had very little. But apart from the appearance of our house, you would not have known that we were poor. We had very little, but we had a good time. Growing up […]

Want to know a secret about people who struggle financially? In all my discussions with those that are behind with money, certain patterns have emerged. But one pattern in particular, one common trait, stands out for its sheer irony. What is it? Many people who haven’t built wealth…don’t have a mentor. Someone that they look […]

“Money is a great servant but a bad master.”– Francis Bacon If you’ve read my ebook, The Financial Freedom Formula, you know that I put a big emphasis on convictions. Convictions are important, as they drive our habits and behavior. And after talking with so many people over the years that are struggling with money, […]

There’s an interesting quote in the novella Animal Farm that is appropriate for today’s essay. If you’re not familiar with Animal Farm, it is a satirical novella (which can also be understood as a modern fable or allegory) by George Orwell, ostensibly about a group of animals who oust the humans from the farm on […]

The Smart Car. Surely, you’ve seen that tiny little pod-shaped car developed by Mercedes Benz on the roads. It’s a micro car that gets its name from cooperation with Swatch and Mercedes. Question: What’s your first impression of it? Is it safety concerns, given its tiny size? I don’t think you would be alone in that opinion. […]

I wish I had a crystal ball. Not for predicting the stock market. Not for building my March madness bracket. Not for predicting the weather. I’d use it for this… …to show people their future. And what would that future be? Well, for about 99% of the people in this country, that future will be […]