101 Reasons to Get Out of Debt

reasons to get out of debt

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Your friend just paid off their car. Your brother-in-law just made the last payment on his student loan. And you know what? Even your co-worker just told you that he has no mortgage! How is it that everyone is winning at this financial game and you’re still deeply in debt?? There’s just one difference between you and them. They have clear, defined, hugely inspiring reasons to get out of debt. You don’t.

101 Reasons to Get Out of Debt

If you want to get out of debt, but don’t have that one solid reason to do it, you’ll never do it.

There are three emotions that move you: Greed Fear Anger

The best reasons to get out of debt are triggered by . . . → Read More: 101 Reasons to Get Out of Debt

How Much Do You Actually Make Per Hour??

how much do you actually make per hour

Everybody knows their answer to the question, “How much do you make?” After all, it’s central to everything we do – where we live, what we buy, what types of vacations we go on — it all stems from how much we make. But, what I want to know is, “How much do you actually make per hour?” Let me give you a hint up front, the answer is quite different from what your boss will tell you…

How Much Do You Actually Make Per Hour?

Here’s your typical weekday…

You hear the alarm at 6:00AM, hit snooze, hit snooze again, and again…and then you finally get your butt out of bed You shower, get dressed, hop in the car… And then grab a coffee on the way to work (you really don’t have time to stop…but you can’t live without coffee. That’s just how it is, right?) You continue . . . → Read More: How Much Do You Actually Make Per Hour??

May 2018 Blog Income Report – How I Earned Over $2,000!!

may 2018 blog income report

Here’s what I’ll be doing at 50 years old:

I’ll wake up when I choose Read 10-20 pages in my book Work out and probably blog a little Hang out with my beautiful wife and go on our adventure of the day And then probably go golfing or a hike, and go to bed whenever

In other words…I’ll be retired and doing whatever I want – mainly because of the additional income I earn from this blog.

Want to be like me? It’s really not that hard. I’m nothing special. I just have a passion for a topic that people are interested in and I speak from the heart. If you love people and want to help them, then I believe that blogging is for you, too! AND, you could actually make some money doing it!


Get started with iPage for just $1.99 a month. Follow this link to . . . → Read More: May 2018 Blog Income Report – How I Earned Over $2,000!!

How to Overcome Medical Debt

overcome medical debt

If you are sick or have been injured, then you don’t need us to tell you that medical expenses in the U.S. are out of control – even if you have insurance. One of the problems with medical expenses is that it can be difficult to know where to begin and unfortunately many people choose bankruptcy as a way out. But it doesn’t need to be this way.

How to Overcome Medical Debt

Thankfully, bankruptcy is not the only the solution. In fact, more often than not, it’s the worst solution. Take a look at all of your options below. Give it a serious effort, and I believe that you can overcome medical debt and come out the other side stronger than you ever believed possible!

Keep on Top of Your Bills

While this can be easier said than done, one thing you want to do when going through medical . . . → Read More: How to Overcome Medical Debt

8 Reasons I’m Continuing to Invest in 2018

continuing to invest in 2018

In June 2016, the Dow was at $17,736, which was already considered to be over-valued at the time. Two years later, in June of 2018, the Dow is at $25,316 (growth of nearly 20% a year) and people are really starting to wonder, “Is this the top? Should I get out of the market?” For me, I’m continuing to invest in 2018, and after reading all my points below, I’m thinking you’ll probably want to do the same.

8 Reasons I’m Continuing to Invest in 2018

This post may contain affiliate links.

Liz and I have over $100,000 in the stock market currently. Am I sitting here anxious, watching the stock market every day to spot the early signs of an upcoming collapse?

Absolutely not.

Could it happen? Sure, but I’ve got plenty of reasons why I’m continuing to invest in 2018. Eight to be exact.

1) Confidence in the . . . → Read More: 8 Reasons I’m Continuing to Invest in 2018

The Home Buying Process for Veterans

home buying process for veterans

Buying a home is a significant financial undertaking. In many cases, it is the largest amount of debt someone will willingly undertake and is what many people strive toward as they work to make more money, get rid of debts, and improve their credit score.

The Home Buying Process for Veterans

For veterans, the home buying process is a little different as a result of the resources available to them. Debt management is still critical, especially for those who have experienced psychological trauma during deployment, as this can often lead to unsafe spending habits. Here’s what veterans interested in home ownership need to know.

Veteran Home Loans

Veteran home loans are designed to make home-ownership easier and more attainable for veterans. The va home loan interest rates are nominal and the program can be used to by an approved primary residence that is proven to be safe — both structurally . . . → Read More: The Home Buying Process for Veterans

Your Money Or Your Wife

your money or your wife

“You’re going to the project house again? Seriously? This thing has consumed 7 months of our lives…I’m so over it…!” — This is the voice of my wife just last month as I left our house at 7pm (for probably the 100th time) to go fix up our flip house. Ever heard of the book, “Your Money or Your Life“? It’s a good read that has you focus on what’s important to you instead of just piling up money for no reason. In my situation, I felt like a sequel was appropriate….Something like, “Your Money or Your Wife”!

Your Money or Your Wife

Money has always been a bit a game for me. I never struggled to earn it, and I certainly don’t mind watching it stack up in my bank account. You see, making money has never been about buying huge houses or nice cars or even taking crazy . . . → Read More: Your Money Or Your Wife

Step Right Up, Step Right Up and I’ll Guess Your Wage!!

success by the way you walk - top income pyramid

Patti shows up for work every day at 7:45am (15 minutes early). She heads straight to her desk, turns on her computer, and works non-stop until 12:00pm for her lunch break. Gail, on the other hand, comes in a few minutes late each day, chats with people at the coffee pot, and then finally settles in and starts her work around 8:25am. She’s fairly diligent once she gets started, but she certainly isn’t as much of a stickler about working at every waking minute like Patti is.

Guess who earns more money?


But why?

Because she knows that you can gain success by how you walk. No joke. Scientific American, BBC, ABC – they all say the same thing. Your walk says something distinctive about you, and it can absolutely have an impact on your wage.

I Can Guess Your Level of Success by How You Walk

It’s absolutely . . . → Read More: Step Right Up, Step Right Up and I’ll Guess Your Wage!!

If You Really Want to Get Out of Debt, Stop Trying to Sell Those Poop-Stained Onesies

really want to get out of debt sell your car

“Sell your CD’s, old books, clothing, and beat up kid toys to get yourself out of debt!”…proclaim many of the personal finance blogs out there… Sure, this will earn you some money, but in the end it’s hardly worth the 20 hours of effort to earn that whopping $40. Instead of selling all the crap that you never use and that nobody else wants, why not put in some real effort and sell the good stuff to get out of debt? I mean c’mon, if you really want to get ahead in life, to save up those college dollars for your kiddos, and to go on those vacations of a lifetime without selling your soul to MasterCard…if you REALLY want to get out of debt, it’s time to get real and sell all the stuff people acyually want (ie. make some REAL money – and fast!)!!

If You Really Want . . . → Read More: If You Really Want to Get Out of Debt, Stop Trying to Sell Those Poop-Stained Onesies

How to Prosper Financially WITHOUT a Budget

prosper financially without a budget

Budgeting…blagghhh. What a bore. What a hassle. And what a restrictive thing to put on yourself and your family. For some, budgets can actually be freeing – enabling an extreme saver to plan and spend money without feeling guilty. For the rest of us though, budgeting is just a measure of control over a spouse or an annoyance that’s always there to make you feel terrible when you accidentally overspend. Liz and I have decided NOT to meet up each month to talk about the budget. Instead, we’ve actually devised a way to prosper financially WITHOUT a budget.

How to Prosper Financially WITHOUT a Budget

It all started about two years ago. My wife Liz was 7.5 months pregnant with our firstborn, and we decided to go on one last hoorah before becoming shackled down by kids for the next 20+ years of our lives.

Our romantic getaway? Renting a . . . → Read More: How to Prosper Financially WITHOUT a Budget