Very few people get to wake up one day and just become wealthy. For those lucky few that do, becoming wealthy turns out be not as much luck as a curse. A large percentage of lottery winners wind up not only losing the millions of dollars they win but eventually losing everything they own after being buried under a mountain of debt. Why is that? It’s because you can’t just become wealthy, it’s a conscious choice that you must make. Sure you can have a lot of money, but without the proper mindset you will eventually let it all get away from you. There is a major difference between wealthy people [...]
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These days it’s like a right of passage when you finally ask the question, “How do I build credit without a credit card?” You might get a response like “Wait, you didn’t get solicited for a credit card in college?!?” or “You’ll have to pay a yearly fee to a credit card company for the honor of letting you build credit.” Chances are though that you didn’t get solicited for a credit card in college and if you’re like me, paying for a credit card is against your financial religion. That brings us to the chicken and egg scenario – I don’t have credit because I don’t have a credit [...]
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Money matters, we can’t go on our awesome vacations and buy our fancy iPhones without it. Since we need to pay for our homes and buy our organic toilet paper, we wind up working at least 40 hours a week. Let me just say that 40 hours a week is a lot of time. Do the math, 40 hours a week for the average career length of at least 40 years (25 – 65), that’s 83,200 hours of work or about 9.5 full years of our lives spent not relaxing and doing what we want when we want. Well, working till 65 is a fact of life… everybody does it. Or [...]
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