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        I am constantly sounding the alarm, telling people that the best time to invest is today. As we all know, just telling someone to do something won’t get the job done. So I am going to put my words where my mouth is and show you the magical powers of compound interest.   I want to start our compound interest journey with a story:   In 2015, there was a man who bought a penny that was minted in 1792 for $2.5 million.   Yes, you read that correctly. A PENNY.   I remember reading this […]

Why Investing Early Matters


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    Like this post? Get the printable version and checklist here!   This could be your best year yet. I’m not talking about just one area of your life, but exploding your growth in all areas. From your career, finances, relationships, and knowledge. It all weighs on the shoulders of the habits you create.     It is ingrained in us to get better. To push beyond the barriers of life. Trust me, there are many things that can get in your way. I know firsthand. Until I started focusing on my personal growth, I wondered why I could never […]

57 Ways To Accelerate Your Personal Growth



  So, you spent too much money for the holidays.   You were engulfed in a wave of generosity, feeling like Oprah on a gift binge. You get a gift, you get a gift, everybody gets a gift! It was your greatest giving year to date. You made it rain presents. Your family, friends and co-workers, have no idea what hit them.   We can’t forget your holiday party. The champagne flowed like a river that never runs dry. The fine cheeses, meats, and hors d’oeuvres, filled the bellies of the guests. And boy, oh boy, did they love your decor. […]

How To Defeat The Holiday Spending Hangover


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      Many of us have been sold the American dream. You go to school, attend college, work a 9-5 for 40 years, retire, then die. Leaving us to do the things we enjoy when we are old.   Who the heck wants to live that way? Why is this the American Dream?   Well guess what? We don’t have to. You should aspire to break this as the norm.   This is not the industrial revolution. We are not here to punch a clock while wasting our lives away.   Time is not money.   As a matter […]

Stop Trading Time For Money



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      I was recently at a drug store picking up a few things. As I was leaving, another man was getting into his car parked right next to mine. He was a young guy, driving a 7 Series BMW. A six figure car. I thought to myself, I wonder what he does for a living?   He backed out of his parking spot and I did the same. I ended up behind him pulling into the street that leads to my neighborhood.  Mr. BMW turned into a house that everyone in the neighborhood has always regarded as the […]

How Fancy Are Your Pants?


        In the 1980’s, a few researchers came up with a proposed idea that they thought would help reduce crime in the U.S. They called that theory ‘Broken Windows’. The idea was fairly simple, a broken window is a sign of a community that has been neglected. In turn, a community that has been neglected, is more likely to have an increase in crime rate. The hypothesis was if police could fix the small problems (i.e. broken windows), the big ones would disappear.     This idea came from a research experiment in 1969 where a psychologist […]

Why The Small Things Matter



  Money is a tough thing to wrap our brains around sometimes. Especially when it comes to our own personal finances. It can be stressful, make you feel lost, and seem like you’re running on a treadmill.   I felt these same feelings early on in my financial life. I was in debt, frustrated, and looking for a way to figure this whole financial mess out. It’s a terrible feeling when you don’t know where you spent your last paycheck.   The problem is, there’s nothing out there that provides a clear cut plan for your situation. That’s because you’re […]

You Inc.


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  When I was a young lad, I would always tell myself little lies. Lies that in turn, would hinder my performance in school, athletics, savings, and many other goals a youngster would like to accomplish. As a result, in my early high school years, I developed a procrastination habit by creating these ‘loopholes’ for every situation. So my homework would get done just before it was due, and my studying for an exam would be crammed right before the test.   I was the king of finding loopholes.   I later realized I was just making excuses for myself. If […]

Loopholes



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    It has been a little over two years since we bought our first home. An experience that has in turn become a valuable education for us. As someone who loves real estate, and is a licensed realtor, I constantly have real estate on the mind. I want to make sure that first time home buyers do not make the same mistakes I see so many folks make. If you are looking to buy your first home, it can be a nerve wracking experience. There are a lot of questions to answer before you can even consider making such […]

How to Buy A House


  Imagine you are watching the World Series. The Cubs are playing the Indians, and you look up to find that Johnny Baseball from the Cubs just hit a home run to win the game. The team goes crazy, the crowd goes wild. There’s only one problem with this World Series from hell. Nobody kept score. Now the Indians think that they won the World Series. They begin celebrating because they feel they have the right to be winners. We have no idea who won? How stupid would that be?   The problem is that most of you are doing the […]

How To Determine Your Net Worth