Getting your financial house in order means cutting down on spending, living within your means, and staying within a budget. You need to reduce or cut out spending, while using your money wisely and for the right purpose. In many ways, this is
Anyone who wishes to achieve financial independence needs to start taking the appropriate steps as soon as possible. The earlier in your life you start, the sooner you will reach a point where you no longer need a paycheck. That’s when you know
It can often be difficult to pay the bills on your current income due to increases in costs or unexpected expenses. If you don’t have an emergency fund, one big car repair can derail your budget. But absent your boss giving you a raise, what ca
Financial planners and retirement experts all preach on the importance of starting early in saving for retirement. The sooner you start, the more time your money has to grow. But what if you got a late start because life got in the way: marriag
Many Americans are living paycheck to paycheck, struggling to make ends meet, and having no plans, or hope for the future. Their only goal is to make it to the next payday, so they can pay the next bill. But unless something changes for them, t
A major part of the American Dream is to strike it rich, to become a millionaire. However, for the vast majority, that is just a dream. 3.5% of our population holds nearly half of our wealth. Back in 1996, a couple of Ph.D.s, Thomas J. Stanley
We all fall into some bad habits at one time or another, and it can be difficult to get out of them. But sometimes those bad habits can have lasting effects on your life and can affect your financial freedom. They can get in the way of your sav
These days, expenses continue to go up, but your salary at work doesn’t. There’s often a constant struggle to bring in enough money to cover all budgeted expenses, plus maintain an emergency fund and save for retirement! In Episode 91 I talked
Increasing income is key to maintaining financial freedom. It not only allows you to pay living expenses that are increasing with inflation, but it also makes saving for retirement and special life events like vacations that much easier. But so
In order to complete any project, you need the right tools, and it’s no different when you are trying to establish and maintain financial freedom. For that you need the financial products that line up with your needs, priorities, and goals. The