Smoking Hot 420 Tips

Happy 42o – Don’t let your future go up in smoke!


Try rolling these tips into action…


Write Your Goals: 
According to a Harvard MBA goal study, 84% of one of their classes had not set goa
ls, 13% had written goals but no concrete plans, and 3% had goals and plans. 10 years later, the 13% with written goals were making 2x as much money as the 84% of the class with no goals. And, the 3% with written goals and a plan were making 10x as much as the other 97% of the class. If it isn’t already, your goal should be to set goals… Read more

Stick It Out!

Mortgages & Long-Term Investing:
*Sexy Alert: you will always save money on interest payments over the course of a 15 year mortgage versus a 30 year mortgage. Now, let’s look at the options of investing and paying down your mortgage!
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Debt Payoff Vs. Investing

Debt Blows!
Debt is a ticking time bomb!





Shit… Read more

Millionaires Don’t Care What Others Think!

Warren Buffett is one of the top 3 richest people in the WORLD and he lives a frugal life, so what’s your excuse?

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How Does Your Selfie Really Look?

ME-llennial Mistakes To Avoid
You don’t need a shiny crystal ball to forecast your exact future. But, you will benefit from a little planning so that you can better position yourself for flexibility to achieve your dreams while minimizing your risks.

The millennial generation is said to be self-absorbed, so start acting like it by taking care of yourself. Maximize your potential and minimize your regrets. Regrets? You know, like that one night in college when… ok we won’t go there. Read more

4 Years of Partying…Part II

Student Loan Debt
You are probably close friends [or enemies] with student loans if you’ve hit that 4th year, 5th year…or maybe 6th year of college. Unlike Vegas, what happens at college often stays with you for over 10 years – not ideal.

So, what’s worse than graduating with the average student loan debt of ~$30,000? Answer: paying an additional $5,000-$10,000 of student loan interest. Here’s how you avoid this…

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Double D’s? How About Double C’s…

Double C’s (Credit Cards):
Double D’s are nice, tough argument. But, nothing gets me as excited as my cash back double C’s (credit cards). With so many credit card choices, it may be difficult to determine (1) if credit cards are right for you and (2) which one you should use!

Whether your preference is cash, points, or some mix and match… you need to know that YOU WIN when you’re in control. The CREDIT CARD COMPANY WINS most of the time, which is why they’re in business. So I’ll repeat, you must be in control. I don’t care how enticing the rewards program is, you will not benefit if you can’t consistently pay off your credit card debt on time. So…how do YOU win?!

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Getting It Up (Viagra For Your Credit Score)

Credit Scores…
Viagra for your credit isn’t something to be ashamed of, especially if you have trouble keeping it up. Unfortunately, your credit score impacts common loans that you may likely apply for throughout your life – think mortgages and auto loans. How would you like to save $50,000?

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Prom Dates & 401k’s

Making Your 401k Easier Than Your Prom Date
In today’s world, investing is a basic survival skill – if you don’t know how to work with money, then your survivability will literally be impacted. Here’s the bottom line… you probably don’t want to save 50% of your paycheck when you’re in your 50’s. Instead, we need to use the opportunity to invest in our 20’s, 30’s, and 40’s.

$10k saved at age 25 = $228,000 at age 70… Read more

Finding The Real G-Spot (The Good Spot)

Finding The Real G-Spot…
Are you stressed out about pleasing your woman? Well, you should be – that sh*t is important! But, if you’re stressed out about investing, then chances are… you’re doing it wrong. You need to stop “looking for the G-Spot” and start looking for the “Good Spot.” Sure, we all remember bragging about that one time we found the G-Spot. Well, were you lucky or good? Investing successfully is about removing the luck and doing the right thingsRead more

T&A (Individual Retirement Accounts)

Tits & Ass [Individual Retirement Accounts]
Ahh, the ever infamous question, “are you an ass man, or a boobs man?” It’s time to start enjoying both – the RIGHT way! We’re going to talk retirement (401k), IRAs (Traditional & Roth) and how using both can help you whoop taxes in the asses! It doesn’t matter if you’re a guy or a gal – you can still enjoy a nice pair of T&A, am I right?


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The $300,000 Story

Envy [The $300,000 Story]
The $300,000 story starts with your age, plan, and discipline.

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Vibrators (Recharging Your Batteries)

Vibrators [Recharging Your Batteries]
Ahhh, you’ve done all your chores and dirty work for the day and it’s time to play.  So, you pull out your little pal and say to yourself, “we’re not so different.” Fact is, we all need to be recharged from time to time. Life isn’t always a bucket of rainbows because some people feel the need to act like they only open yellow fuckin’ Starbursts. Take some time to recharge your batteries and remember that even Kendrick Lamar knows how important this is (b*tch, don’t kill my vibe-rator). Read more

Balls Deep (Hitting Financial Home Runs)

Balls Deep [Hitting Financial Home Runs, Of Course]
We’ll finish strong with short-term and long-term goals, arguably the most important aspect of being a successful CEO. Are you ready to go balls deep? Well, before we start swinging for the fences, let’s round the bases. Read more

Sticking It In

Sticking It In [Stock Market Investing]
I’m talking about the perfect, 10/10, sexiest opportunity that you’ve ever laid eyes on. You and everyone else is literally dying to stick it in. Why? Because emotions play a large role with investing. The problem with being a novice at sticking it in is that we typically only have the confidence to stick it in when EVERYONE else wants to stick it in.

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Lubrication [Insurance]
Car insurance in your glove box? Check! Lubrication in your night stand? Check! Let me guess, you didn’t know there were similarities between insurance and lube? How about the fact that we need to have them, you know… just in case you’re getting fucked. Having nice lubrication will help you ease in and out of life’s tightest holes.

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Condoms [Protection… B/c Emergencies Happen]
It’s a good idea to establish an emergency fund as an extra layer of protection between you and those assholes out there. Do you remember that one time, you know, when you had an emergency? Like the time when the condom broke? Then your girlfriend’s period didn’t come and you had a heart attack while driving to the store to buy Clearblue pregnancy tests? And once you get back home you wait anxiously for the happy ending like the climax of a Will Smith movie? Yeah. Fact is, life plans are like condoms… half the time you don’t use them, half the time they fail (math) – so that’s why you need a protection plan.

Dirty Little Action Steps:
1: Improve your savings: if you typically have $100 in savings, then let’s start by doubling that

2: Save up 1 month’s expenses (1 month’s expenses should include must pay bills, such as: rent, utilities, food, gas, car insurance, phone…). No clothing. No cable. No bull-shitty items.

3: Continue saving until you’re pretty damn comfortable, ideally with 3-6 months of living expenses

Dirty Little Secret:
No one likes using condoms, just like no one likes saving money for emergencies. I get it… I really do. But, this one is a no-brainer. An emergency fund will help you with an insurance deductible, loss of job, career change, car repair, etc.

Sexual Education Part I

Sex Ed Class Pt I [CEO Lessons]
Remember the Sexual Education assembly in your middle school gymnasium? Well, I do. Worst. Fucking. Assembly. Ever. Whether you’re talking about the birds and the bees or the P’s and the V’s, the purpose of sexual education is to know what the hell is going on here and why. If school never truly taught you how to budget, how to invest, or how to live your financial life, then we have some work to do.

Dirty Little Action Steps:
1: R.E.L.A.X.- whenever you’re overwhelmed with the complexities of your finances, it’s okay to relax and take a step back.

2: Goals Partner- Just like you turned to your friend to make jokes when you were uncomfortable at the assembly, it can be beneficial to have a goals partner – someone you can talk things through with.

Dirty Little Secret:
Remember, as the CEO, your job is to set goals and make slow, steady improvements. Unlike the bar down the road, you don’t just “get lucky” in finance. But, the good news is that you choose when you want your “financial magic” to happen because it starts with your everyday choices. And, it always has.

70’s Bush (Debt)

70’s Bush [Debt]
Are you fuckin’ kidding me? You have never heard of 70’s bush?! Do yourself a favor and google that shit (actually, you probably shouldn’t…). 70’s bush is what your debt looks like, pretty sweet huh? Times are changing and the world is evolving, so quit living in the past and quit being gross. Shave your pubes, cut your debt. Debt is a thing of the past, and so is your dick if it’s living in a rain forest.

Dirty Little Action Steps:
1: List all your debt (amount of debt + associated interest rate)

2: Look at your 70’s bush, just fucking look at it, we’re going to shave that off!

3: Create your debt payoff plan (math versus behavior…below)

4: Once it’s gone, your free cash flow is going up on a Tuesday

Dirty Little Secret:
If you’re a smart little fucker, then math shows that paying off your highest interest rate items first will save you money. If you have trouble paying off debt, then try the behavioral route and pay off your smallest debts first to gain momentum. Once you pay off one debt, then pay off the next smallest debt. Repeat, win. Don’t forget, it’s YOUR job to keep your bush trimmed. That. Shit. Wants. To. Grow. Back. Don’t. Let. It.

Baby Got Back

Baby Got Back [Love Your Assets]
Big, voluptuous, firm, and juicy asses are getting tons of attention online and in the modeling world. So, it’s safe to say that these asses are huge assets. When it comes to assets, liabilities, and cash flow – you need to get in the game and know what you’re working with as soon as possible! No, I don’t want you to post your ass or assets online…although I’m always excited to see pictures of firm, juicy assets. The goal here is to get your assets in shape.

Dirty Little Action Steps:
1: Once your budget is complete, you can determine free cash flow (income – expenses = free cash flow)

2: Give your free cash flow a JOB, and then it can go to WORK for Y.O.U.

3: Create SMART (Specific, Measurable, Achievable, Realistic, and Timed) goals for your cash flow. Examples may be related to paying off x, y, and z debts, increasing investments by x%, or saving 3-6 months of expenses as an emergency fund.

Dirty Little Secret:

  • Assets are things that have value and are beneficial to Y.O.U. (ie: cash, stocks, bonds, paid off car, paid off house…)
  • Liabilities [debts] are obligations that we owe money on (ie: credit card debt, car debt, taxes). The reason you don’t see school or mortgage debt in either category is because it can be argued that reasonable amounts of school debt and housing debt are not necessarily BAD. In general, we want to reduce our debt by putting our free cash flow to work.

Cash Flow is how much cash flows through your hands each month. Having a plan means that you will SEE the money, and then give it a JOB and put it to WORK for you. As you reduce your debt, your cash flow will likely increase (ie: credit card 1 had $1,000 balance, $50 min. payment. Once that is paid off, then you will have $50 per month to WORK for other JOBS).