Financial Security

How To Be Secure In Your Own Finances
I feel pretty financially secure… maybe it’s because I have no debt. Maybe it’s because IDGAF about what others think. Instead of paying others (debts owed), I pay myself (savings). My only phone calls are from family and friends, which is how I prefer to live! I became secure when I determined what made me happiest – with no desire to drive my money, live in my money, or show-off with my money. By definition, financial security is how much peace of mind you have that your income will cover your expenses, emergencies, and goals.

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HAPPY is the new RICH!

Know Thy Self

Why is happy the new rich? Well, the old saying “money doesn’t buy happiness” is a good start. Whether you’re working, enjoying hobbies, or studying for your next exam… it’s very important to understand the true purpose behind what you’re doing. How important? Pretty fuckin important if you work ~40 hours a week full-time for a good portion of your life. Studies show that happier people tend to be healthier people – of course you want to be healthy! So, you probably should be searching for happiness in your career as well as your life! We can do it by figuring out Rule #1: Know Thy Self…

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C.E.O. Part II

Being C.E.O. of Y.O.U.R. Family – Part II
Congratulations, you’ve recently been promoted to the CEO of Y.O.U.R. Family. Let’s take another 20 year snapshot of your life. In this example, you make $75,000 per year. You are now in charge of a $1.5M, yes a 1.5 titty fucking million dollar operation.
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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!

5…

4…

3…

2…

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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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

Blow Jobs (Budgets)

Everyone says I should start with a bang, but I’d honestly rather start with a Sexy Budget, mmm!

Blow Jobs [Are An Art, So Is Your Financial Life]
Blow jobs are 100% subjective – you get the idea of the complexity here. Just like blow jobs, your financial life and your budget are an art. No one knows what they like until they try a few different things – just like a budget! Stop going online to the 50/30/20% budget breakdowns, stop reading about 10% allocations for this, that, and the other, and start being the CEO of Y.O.U..

You are in charge of your life, needs, wants, goals, and cash flow. Figuring out what kind of blow job YOU want out of life is hugely important – today, tomorrow, this year, and for the rest of your life.

Dirty Little Action Steps:
1: THINK about it. What do you want? What will you regret not going after if tomorrow is your last? When you’re 70 and have your “Wall of Fame”, what will be the biggest accomplishment on your wall?

2: I encourage you to get crazy, step out of your comfort zone, and try to find the passion that is going to drive you to conquer your budget – because that passion does exist. You just need a better WHY.

3: Don’t think of a budget as a prison sentence, because it doesn’t constrict you. If followed, a budget will likely help you have MORE money to enjoy as you pursue your needs, wants, and goals.

Dirty Little Secret:
I like my blow jobs exactly how I like my budget updates – daily