These are 5 of my favorite apps that I use to earn and save. We earned so much with one of them that we were sent a 1099. LOL
Learn how I made the government pay my student loan interest with their government program and reduce my payment to $0!
Vehicle repairs are one of the most expensive "surprise" expenses you can experience. These tips will help you reduce those costs.
"The Bitcoin Standard" Is My #1 Suggestion For Anyone Wanting To Understand The Future of Currency
If You Don't Know Much About Bitcoin, This Is The PERFECT Book. It Explains Bitcoin To Where Everyone Can Understand It.
This Is The #1 Financial Book of All Time. If You Want To Busts The Myth's You've Been Told Your Whole Life, Get This Book!
My wife and I HIGHLY recommend the Tuttle books for your kids! We have heard so much about them and kept seeing their ads everywhere. We finally looked into them and bought them for the kids for Christmas 2020. They take extremely complicated concepts on forms of government, finances, how things are made, and much more and make them so simple that our 4 and 5 year old kids are actually understanding them. We are even learning ourselves. They have 11 books for ages 5-11 and a bunch for ages 12+. Do your kids a great service and get these books for them. So far my favorite is the Jekyll Island one because it explains WHY Bitcoin was created and HOW it has grown so fast in 2020.
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I remember when I first realized I had a cash flow problem back in 2012. I was practicing law as an Assistant Attorney General making a nice sized salary, but somehow I was going further into debt. There always seemed to be "too much month at the end of the money." I was stressed and depressed and had to do something about it.
I did what a lot of people do and took the Dave Ramsey course, but I couldn't get past Step 1, which is "Save $1,000 for an Emergency Fund." I WAS ALREADY HAVING AN EMERGENCY! How could I possibly start saving extra when there was never any extra to save. Somehow, more money was going out than was coming in and I had to figure out how.
Everything came to a head one night after I went to dinner with some friends and opted to have water for dinner because my checking account was overdrawn and my credit cards were maxed. That same night I sat down at my desk, printed out several months of bank and credit card statements, and started looking at every dollar that left my account and that I had charged on my cards.
I started with the largest numbers, which were my law school student loan payments. Those payments were the worst. After totaling all my student loan payments I added them up to realize I was paying a minimum of $1,600 a month! I had no idea I was paying that much. Every month I would just login to each site, click to pay, and logout without thinking much of it.
Payments of $1,600 was more than any of my friends' mortgage payments. I didn't have my own mortgage at the time because no bank would've loaned me money. It's probably good too because they would've foreclosed on me.
Out of curiosity, I wanted to know when the student loan payments would end. So I started totaling my balances. Before I even could add the last several up, I felt physically ill at the number I was already starting at: $176,000. Just typing that out is giving me some PTSD. I still had more to add to it and I hadn't even totaled up my four maxed out credit cards at that point. I had to walk away from my desk and I didn't go back in my office for about 24 hours. I needed a good cooling off period.
When I mustered up the strength to sit back down and total up all my debt the number was well over $200,000. That was all student loans and credit cards. I realized my cash flow was in the negative, meaning I had more money going out than I had coming in. That's called a "negative cash flow."
That was where my journey started. That was my starting point. Over the next several years I spent countless hours researching and learning about the concept of cash flow and how you can not only have a positive cash flow, but also grow it. I read book after book and watched webinar after webinar gaining all the knowledge I could about it.
Three and a half years later I found myself coaching over 20,000 people in the Dallas Cowboys Stadium on how I eliminated nearly $200,000 of debt including four maxed out credit cards, three student loans, and a personal bank loan using this system.
Now I take great pleasure in helping everyone I know get out of the financial holes they're in and increase their cash flow.