Build A Bigger Life, Not A Bigger Lifestyle

About three years ago I was delivering a talk to a group of young professionals about pursuing that which fired you up. Whether it was a hobby, a business, learning a craft or musical instrument, my message was they should be pursuing something that they loved to do. One attendee piped up in the middle of my talk and said, “but what if that isn’t possible?” “Tell me more…” was my reply. “Well, what if financially you just can’t afford to go do the things that fire you up inside?” (This is obviously not an abnormal thing, for people to …

Will You Be Prepared Financially When Accidents Happen?

“Are you alright?” my friend Clint asked me with a panicked look in his eye. I looked down at my hands, turned them to look at my palms, and saw no blood. After moving my legs and a quick check for pain I replied, “I’m okay. Are you okay?” “Yes. We have to get out of here. Turn the car off.” Looking back, I’m fairly certain I was in shock, as I put the Jeep in park. “Adam. TURN THE CAR OFF.” He was already unbuckling his seat belt and attempting to crawl into the back seat of the Jeep …

Debt Distortion: Why Dave Ramsey and Robert Kiyosaki are BOTH Right

Imagine a world where everything you perceive to be true about finance, family, fitness, food, etc… is not what millions of other humans perceive to be true. Not only that – people attempt to bring you down for your beliefs, or talk quietly amongst themselves about how stupid you are for doing the things you do. To be fair, you don’t think that highly of them either. You’re experiencing selective distortion – welcome to planet Earth. A Tale of Two Titans Let’s take a look at two highly successful, well-respected financial gurus and their respective stances on debt: Robert Kiyosaki, author …

Over $1,000 in NIKE gear for FREE!

You’ve no doubt heard the old adage, “if it’s too good to be true, then it probably isn’t”. But what about when too good to be true changes to even better than before?! This is the case with the NIKE store survey offer at the bottom of their receipts — a strategy you can leverage to get over $1,000 in sweet NIKE merch for absolutely zilch. Here’s the scoop: My wife is the kind of shopper that plans ahead, she knows birthdays and other gifts she needs to buy for throughout the coming months, and finds some of the most …

5 Beneficial Ways To Use Your Tax Refund

5 Beneficial Ways To Use Your Tax Refund While tax time can be a dreaded time of year, your tax refund can set you up for greater financial success IF you use it to your benefit. Seemingly unlike everyone else, I really enjoy tax season. Working at a financial firm for years, we were consistently busy just before tax day. While our clients were stressing to make the deadline, I had started preparing my taxes January 1. Minus the fact that I am a finance nerd, the excitement of  filing my taxes and deciding what to do with my refund made the …

Need Help With Getting Out Of Debt?

I totally thought my wife had hit the Listerine too hard that morning. “$20,000 in a savings account?!” “Yes” she said as calm as can be. “Twenty-thousand dollars would make me feel safe and secure and then you can do whatever you like to do.” At the time we were 23 years old and working to blast away about $50,000 worth of debt between credit cards, car loans and student loans (not to mention a couple of car repairs I’d had to finance). All of this on an annual gross combined income of roughly $76,000. The question she answered from …

Want To Get Out Of Debt? — Start Here.

At the age of 23 I was struggling under the pressure of nearly $50,000 in debt between student loans, credit cards, a car loan, and a variety of consumer debts. I remember putting purchases on my already-ballooning credit cards and rationalizing, “if I charge this, then I’ll have cash in my checking account.” My money programming was completely jacked. Looking back, I know exactly why and how it happened. My college career was one long social experiment. My Dad called it my ‘4-year break from reality’. I called it the longest and most expensive party I’ve ever been to. In …

Student Loan Payback – Are You a Cow or a Buffalo?

When a storm rolls over the Colorado Rockies you can see it coming from miles away. The billowing clouds are a visual representation of the impending doom that’s about to rain down (quite literally) on the plains to the East. Out on those plains there are cows grazing that see the storm coming, and because cows want nothing to do with standing in the rain, they begin walking, trotting, then running the opposite direction. As they run to the East, the storm eventually overtakes them and they continue running with the rain. The effect being a prolonged bout of hanging …