17 Ways Rich People Think & Act

By Neil | Published September 19, 2011

A few months ago I read T. Harv Eker’s Secrets of the Millionaire Mind: Mastering the Inner Game of Wealth,  and found it intriguing. I’ve read dozens of self development books on creating wealth, but I would have to say this one cuts through the noise by being more psychological, personal, and unapologetic. The book made me dig deep, because  I actually took the exercises the author outlined seriously. Using a pen and yellow legal pad, I started to piece together my “Money Blueprint,” or the template that I inherited surrounding money (a little bit of nature, a little bit of nurture).  I explored the thoughts, feelings, and authority figure influence, I had received growing up about wealth and wealthy people.

I plan on going to Mr. Eker’s three day seminar Nov. 4-6th in Fort Worth to get more of his message. It’s a free seminar and lasts from 9am – 11pm all three days! Here is are the 17 assertions made by the author, which acts as a simple outline of the book’s major points (there is more that can be gleaned from the book reading the anecdotes, but this simplifies it).   I assume, Mr. Eker will go into each one of these more in-depth as well as how to overcome some of these programmed ways of thinking, like he did so in the book.

  1. Rich people believe “I create my life.” Poor people believe, “Life happens to me.”
  2. Rich people play the money game to win. Poor people play the money game to not lose.
  3. Rich people are committed to being rich. Poor people want to be rich.
  4. Rich people think big. Poor people think small.
  5. Rich people focus on opportunities. Poor people focus on obstacles.
  6. Rich people admire other rich and successful people. Poor people resent rich and successful people.
  7. Rich people associate with positive, successful people. Poor people associate with negative or unsuccessful people.
  8. Rich people are willing to promote themselves and their value. Poor people think negatively about selling and promotion.
  9. Rich people are bigger than their problems. Poor people are smaller than their problems.
  10. Rich people are excellent receivers. Poor people are poor receivers.
  11. Rich people choose to get paid based on results. Poor people choose to get paid based on time.
  12. Rich people think “both.” Poor people think “either/or.”
  13. Rich people focus on their net worth. Poor people focus on their working income.
  14. Rich people manage their money well. Poor people mismanage their money well.
  15. Rich people have their money work hard for them. Poor people work hard for their money.
  16. Rich people act in spite of fear. Poor people let fear stop them.
  17. Rich people constantly learn and grow. Poor people think they already know.
Posted in Book Summaries | 1 Comment

July & August So Far

By Neil | Published August 19, 2011

I need to write my income report for July. This isn’t an official report, but I wanted to share some activities over the last month and a half. I’ve been pondering a lot lately about the skills it takes to become wealthy. One of those skills is public speaking.

Meetups & Public Speaking

A couple of months ago, I took over a meetup group. I did this for several reasons, but the main reason was to contribute value, as my virtual mentor Eben Pagan would say. I also did this to work my way up to speaking  to larger and larger groups. I started with only allowing ten at my first meetup, my next one has 15 people coming and five people on the waiting list.  I’ve been having most of my meetings at Cafe Brazil in Richardson, but I think I’m going to start having them an Panera because they have better wi-fi. I would also like to find some space at UTD, because they probably allow it somewhere on campus and it will give me and my group more credibility.

401k

I’m happy that I have been consistently allowing 18% pre-tax income to go into my 401k.  After three paychecks ( 1.5 months), there is $1,808.68 in there. Automation has definitely been the key.  Before I know it, I’ll have 12k in there (a year passes so quickly).  My B.O.Y. is now in affect.

Bank On Yourself Plan

I did a lot of reading on my BOY plan that I just started this month, and it just reinforced the fact that I’m doing the right thing. I now have 150k in life insurance if I drop dead tomorrow and a whole lot more other benefits when it gets funded fully.

Gold

I sold my gold. While getting used to my lower cash flow due to paying 18% into my 401k, I was in a rock and hard place. Gold just happens to be up to $1800. I started buying at $1100. If I would have kept all of it from the beginning, I would have probably 4k by now. This reminds me once again how I need to make certain things inaccessible. This is my next major lock and load, success is inevitable inertia, is automating my gold purchases. I then need to automate a way to get it sent to my bank and have them put it in a safety deposit box.

Automate

I have two other things I need to automate: a second payment to my whole life premium and an extra CC payment coming from my middle of the month check. I want to look up from a year from now and be free of CC debt and have that roll into my car payment (407 + 800 = 1200 car payment will pay it off fast).

Job Status

Right now I’m not that satisfied with my job for several reasons that I don’t want to go into. I’m tired of selling clients. I’m tired of Power Point presentations and I just tired of SEO. It’s a thankless job.

I really want to do more content strategy and social media (optimized blog post planning, working with content writers, and social media strategists, etc). It’s the type of content curation and content marketing I do for   ILiveInDallas.  There is a high likelihood  I won’t be able to find a job that pays as well doing what I really want.

I’ve basically been offered a position at another agency. I think I would be willing to take it if it were only 10k more. Normally I would not make a lateral move, but I would get to do more PPC and social media. I would also have two people under me.  I enjoy mentoring, coaching, and motivating. I’m tired of having a boss that “challenges my way of thinking.” I don’t need to be challenged. I enjoy peace and not having to get approval on things just to get the job done.

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May 2011 – May 2012 Investment Planning

By Neil | Published August 19, 2011

By May 2012 if I stay on this track.

18% going to 401k  ($1200 a month): $14,500
6% going to Bank on Yourself (Whole Life) ($400):  $4800
10% going to gold (667 a month): $8000

34% of income.

$ 27, 300 in one year from now

Take two week trip in Dec. 2012 (book it soon).

Posted in Quick Hits | Leave a comment

Monthly Income Report – June 2011

By Neil | Published July 4, 2011

Some things have changed this last month verses May, which is great. A few of the highlights are:

  • I received a 4% unexpected raise at work due to being there a year
  • I gave up one client do to energy suck & time demand
  • I made nearly $600 from ILiveInDallas.com sponsorships & traffic increased by 50%

This is my second of many income reports I will be adding each month in order to keep myself accountable. This is also an exercise in being completely transparent so you can see my journey as it progresses. I plan on giving you a breakdown of the income I’ve gained, focusing on creating wealth & killing debt and explaining some things I’ve learned and pitfalls I’ve encountered along the way.

I learned this reporting technique from Pat of SmartPassiveIncome.com and Baker of ManVsDebt.com. Since I will begin to create digital properties that produce passive/residual income, which is part of my exit plan to become wealthy, I have listed these first.

So far I own many digital properties, and this month I have set up one to pay residually.

Becoming a Net Millionaire  has two meanings to me:

1) I plan to create wealth with digital properties

2) I plan on my networth being one million by 33, not necessarily receiving one paycheck of $83, 333.33 equaling a million a year from one source, but owning assets and the valuations of my digital and residential property and cash flow from multiple streams equaling a million. Get it?

Income Breakdown

This gives a breakdown of my income from multiple streams starting with the one I want to grow the most.

Digital Properties

  • ILiveInDallas.com : $598  (21k visitors/mo)
  • Total: $598
    • Last Month: $0
    • Difference: +$598

PPC Management

  • TX Jeweler : $250
  • AZ Jeweler : $250
  • Total: $500.00
    • Last Month: $800.00
    • Difference: -$300

Consulting

  • TX Embroidery Company : $200
  • Total: $200.00
    • Last Month: $400
    • Difference: -$200

Day Job

  • $ 2, 329.77 after taxes  ($2, 961.54 gross) Weeks 1 – 2
  • $2,409.80  after taxes  ($3,076.92 gross) Weeks 3-4

Total Monthly Cashflow: $7, 336.46

  • Last Month: $5,859.54
  • Difference: +$1, 476.92 (+25%)

Assets

  • Jeep Liberty: $7,930 (Kelly Blue Book “Fair Condition” value)

Investments

  • Fidelity SIMPLE IRA: $9,381.58
  • Gold: $1, 073.80 ($1536 an ounce on 5/27 GoldPrice.org)
  • Silver: $274.00 ($37.86 an ounce on 5/27 Kitco.com)

*In the interest of a timely report, I am going to be lazy and NOT look up the price of gold, silver, or my Fidelity account (can’t get in online). I will update this next month though.

Savings

$0

  • Last Month: $0
  • Difference: $0

Total Investments: $10, 729.38

  • Last Month: $10,729.38
  • Difference: $0

What I Learned in June

It really works, what gets measured does improve.  I plan on shifting my energies and I’ve made the real commitment to start asking businesses for sponsorships for ILiveInDallas.com. It has the traffic now to warrant sponsorships. Although, in my opinion, sponsorships as in logos and landing pages won’t be our main business model, it’s a good one for now. Our first goal is to create enough value and contact enough businesses to manifest $10,000 within the next six months. Right now, it’s all just sitting in PayPal. Once we have $1000, we’ll transfer it over to a bank account. This could include parties, fundraisers, etc.

401k

I learned a little more about my 401k and I went ahead and set it up to take out 18% of my pre-tax income. I learned that I was way off on my assessment of what the company was matching. So, that’s why I went from thinking I could only put in 12% to now 18%.

I signed up and thought my first contribution was supposed to happen July 1st.  It has not come out yet.

Bank On Myself

I have figured out paperwork holds me up immensely. I was supposed to have my Bank On Yourself plan up and running, but the only thing that is stopping me is a fax and check attachment. This will act as my savings account.

Digital Properties

This month I will be publishing a long form editorial on the Six Dallas Boutique Hotels Worth a Staycation.
The author of this post has also created ten mini hotel profiles. He also created several contacts in the industry. I plan on approaching each and every one and ask for sponsorships. I believe I can create at least 3,000 from this hotel campaign. This will require me to change a category on ILiveInDallas.com.

I will also create a high level directory landing page featuring luxury, boutique, and other types of hotels, which will lead to the mini profiles. This will add more value and make room for more sponsors in the future after they start seeing them placed high in search. One thing I learned this month: pricing is arbitrary. After being approached about sponsorships from a local moving quotes aggregator, I created all the packages off the top of my head. I also sent them to two others. The more connections I make and people I ask to sponsor, the more sponsors and funds we will have. It’s that simple.

Mentorships

I have started up my mentorship program again. I have three people which I meet with once a week and teach personal branding and Internet Marketing. I may add one more person. One of the affirmations I learned from Eben Pagan’s Self-Made Wealth program is “I become wealthier the more I help others become wealthy.” I plan on giving one of my coaching students the tools to double her income. The other I plan on arming with guru knowledge to be his own consultant. The last I will teach SEO for real estate websites in order for him to land deals. This is all helping me become wealthy.

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Zero CC Debt & $20k in the Bank

By Neil | Published June 21, 2011

This is what I have decided on this day. One year from now this will be the result.

Posted in Quick Hits | Leave a comment

Don’t Be an Ass: Beware the Employee Raise

By Neil | Published June 5, 2011

 

Carrot and stick (also “carrot or stick”) is an idiom that refers to a policy of offering a combination of rewards and punishment to induce behavior. In the literal sense, a driver would tie a carrot on a string to a long stick and dangle it in front of the donkey, just out of its reach. As the donkey moved forward to get the carrot, it pulled the cart and the driver so that the carrot would always remain out of reach.

The earliest citation of this expression recorded by the Supplement to the Oxford English Dictionary is to The Economist magazine in the December 11, 1948, issue. – Wikipedia

On Friday,  I was informed that I was going to be receiving a 4% raise effective that day. I was surprised and excited about it, but then I took a bit longer to consider the implications.  I have been an employee at the company right at a year and I have not had my formal review, so apparently this raise is standard and on a yearly basis.

I don’t know whether it will be based on other factors in the future for a higher raise, but I started doing a little bit of the math and it scared me. Why did it scare me? The word that comes to mind is complacency.  I started my job at making $77,000 a year. If I am given a 4% raise every year for the next ten, this is the amortization without promotions (which may bump it). Let’s just say 4% will be the minimum.

Year Salary Yearly Increase
0 $77,000.00 $3,080.00
1 $80,080.00 $3,203.20
2 $83,283.20 $3,331.33
3 $86,614.53 $3,464.58
4 $90,079.11 $3,603.16
5 $93,682.27 $3,747.29
6 $97,429.56 $3,897.18
7 $101,326.75 $4,053.07

 

In essence, If I am there another six years I will be making six figures. I’ll also be 36.5 (that’s some bad numerology: 666).  Now 101k is is a lot of money, don’t me wrong, but it’s the type of income (employee) which makes it volatile. Read Robert Kiyosaki’s Cashflow Quadrant, and you will see what I mean. One hundred and one thousand dollars a year is also not enough to be considered wealthy or achieve the goals in my reason why (future post). A lot of people think that they have made it when they reach that level of income.

It boils down to, I’m not going to be able to help the amount of people I want to reach without some other sources of income. The carrot stick is quite alluring, but in order to achieve uncommon wealth I have to set my sights on higher forms of gratification and be motivated by creating value for others while increasing my financial literacy. The spigot of non-employee passive income gets turned on today.

Posted in Quick Hits | 1 Comment

Monthly Income Report – May 2011

By Neil | Published May 27, 2011

This is my first of many income reports I will be adding each month in order to keep myself accountable. This is also an exercise in being completely transparent so you can see my journey as it progresses. I plan on giving you a breakdown of the income I’ve gained, focusing on creating wealth & killing debt and explaining some things I’ve learned and pitfalls I’ve encountered along the way. I may also start reporting debt. If I report debt, this monthly report will become what Robert Kiyosaki calls a balance sheet (or personal P/L statement). At this point I just need to establish a state-of-the-union in relation to cashflow.

I learned this reporting technique from Pat of SmartPassiveIncome.com and Baker of ManVsDebt.com. Since I will begin to create digital properties that produce passive/residual  income, which is part of my exit plan to become wealthy, I have listed these first.

So far I own many digital properties, but none pay me residually. At this time I am selling my time and receiving small boosts from the fluctuations in precious metals and the stock market, which isn’t quickly scalable. This is not my goal. As I said, I want to become a Net  Millionaire, which has two meanings to me:

1) I plan to create wealth with digital properties

2) I plan on my networth being one million by 33, not necessarily receiving one paycheck of $83, 333.33 equaling a million a year from one source, but owning assets and the valuations of my digital and residential property and cash flow from multiple streams equaling a million. Get it?

Income Breakdown

This gives a breakdown of my income from multiple streams starting with the one I want to grow the most. I believe owning digital properties that produce will be how the wealthy become wealthier in the 21st century as evidenced by millionaires produced by .coms over the last 15 years. We’re in the second boom, and this time investors are smarter. There has to be true value and a user base for these properties before they invest, not just a domain and some smoke and mirrors. With my background, I’m in the perfect position to capitalize off of creating what they are seeking.

Digital Properties

  • ILiveInDallas.com : $0 (12k visitors/mo)
  • Total: $0
    • Last Month: n/a
    • Difference: n/a

PPC Management

  • TX Jeweler : $250
  • AZ Jeweler : $250
  • A/C Repair Company : $300
  • Total: $800.00
    • Last Month: $800.00
    • Difference: n/a

Consulting

  • TX Embroidery Company  : $275
  • Digital Marketing Company : $125
  • Total: $400.00
    • Last Month: n/a
    • Difference: +$400

Day Job

  • $4, 659.54 after taxes ($5, 923.08 gross)

Total Monthly Cashflow: $ 5,859.54

Savings

$0

  • Last Month: n/a
  • Difference: n/a Savings

Assets

  • Jeep Liberty: $7,930 (Kelly Blue Book “Fair Condition” value)

Investments

  • Fidelity SIMPLE IRA: $9,381.58
  • Gold:  $1, 073.80 ($1536 an ounce on 5/27  GoldPrice.org)
  • Silver: $274.00 ($37.86 an ounce on 5/27 Kitco.com)

Total Investments: $10, 729.38

  • Last Month: n/a
  • Difference: n/a

What I Learned in May

This will be the first of many exercises in “what gets monitored improves (Peter Drucker).” I put my day job income near the end because it may fluctuate the least, whereas my digital properties, consulting, PPC management, and investments should continue to rise.

Take Free Money When It’s Offered

I received an email a month back that said my company will be matching 401k contributions up to 12%. After six months, employees are eligible, and I’ve been here a year. They were not matching until March though. July 1st  is another open enrollment day in-which I will be joining the ranks

The limit in 2011 is $16,500,. I cannot contribute 12% because if the company matches, that will put it over the limits of what the government allows for contribution by $1,980.

I will be signing up and contributing 10.71% of my pre-tax gross income to my 401k.  I’ll be contributing $8, 246.7 in order for my company to contribute $8, 246.7. In essence, I’m giving myself a 10.71% raise. Combining my contribution and my contribution equals $16,493.40, which is right on the edge of the limit. The 401k is not my exit plan or even my sole retirement game, but why resist free money?

If my company were not matching, I would have to contribute 21.4% of my day job income to reach the 401k limit.

Bank On Myself

Today I’m speaking with my adviser about my Bank On Yourself plan. I’ll get into this later, but to state what this is simply, it’s a financial vehicle that allows me to become my on bank and continue to receive interest and dividends no matter how much I borrow and pay myself back over time. Although this is a vehicle for a lifetime program, in the short term I plan on using this to finance my car and travel fund for a year-long trip I plan on taking by the time I’m 33.

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Does Company Loyalty Outweigh Upward Mobility?

By Neil | Published May 15, 2011

 

“Stay committed to your decisions, but stay flexible in your approach.”
-Tom Robbins quotes (American Novelist. b.1936)

 

I found an old spiral bound journal I wrote my goals in from 2005. In it I stated that I wanted to be making $100,000 a year by the time I was 30. I remember telling a girl that I was dating at the time, that before I got married and/or had children I wanted to be making at least $100,000 a year.

I remember doing this in an email from a computer in a facility where I was being paid to be a medical guinea pig. That was some high hopes at the time since I was making $25,000 at my day job, deep in debt, and doing these medical experiments for extra cash. This particular one paid $2700 and it was a month long.

It’s 2011, and I turned 30 this year. I’m not married, nor do I have any children.  I make around 77k at my day job, I have a side consulting business that brings in 8 – 12k, and I run a local news publishing company with a  partner that I am very close to monetizing.  I’m extremely excited and thankful about where I am in life, and I will reach my income goal this year.

Just because I’m about to reach one goal, does not mean I’m going to rest on my laurels. That’s the awesome thing about life, you don’t ever have to stop evolving. That’s also a myth about goals; many think they will be happy some day when such and such happens. Often after a pinnacle is reached, new goals have already been set.

A Realization About Loyalty

One thing I have noticed over the last six years of my career that has possibly held me back from reaching my goals sooner; I’m a bad quitter.  Thinking back to my childhood, my father taught me to not be a quitter. When I was in 7th grade, I wanted to quit track so badly because I hated running. When I was 21, I wanted to quit my door-to-door sales “business ownership internship,” because it was the most depressing, worst job known to man.  I didn’t quit either. There have been many other similar instances.

I don’t know if I’m a better person now for not quitting. Therein lies the problem, I’ve made it about me and my identity. These experiences and the identity resulting from not being a quitter have shaped my character in a particular way.

I have discovered identity can get in the way of reaching goals.

Having a set goal is like making and committing to a decision. Like the quote said at the start of this article; have goals, but be flexible about how you will reach them.

After nearly four years at a company, I was laid off on Sept. 11th, 2009. I would not have normally burned a date like that  into my mind.  I typically purposely forget  negative details that don’t benefit me to hold buried in my brain. This was a pretty easy day to remember given the duel and ironic circumstances.  I had been offered three or four jobs the year previously making more money, but I did not take them because of loyalty.

I won’t be completely self-righteous and say loyalty was the only reason I stayed. I was scared of a non-compete I had reluctantly signed. I also realized that changing jobs for an extra 10 or 20k was not worth it. If habits aren’t changed or the job isn’t going to add to my eventual exit plan, I reasoned, then I’ll just end up spending more money, the more I make. I didn’t want that to be the case. Working for someone else was not in my exit plan at the time, so I felt moving from job to job only complicated and prolonged my entrepreneurial aspirations.

At the time I didn’t see it as fear of change, success, or self-sabotage, but I could be wrong. I’m not the type to wallow in regret, because I always feel there are other opportunities.

How I Lost 23k In One Week & Why It’s OK

I may have missed one of those opportunities this week though, again because of loyalty.  Or maybe it was the Law of Reciprocity. Either  way I feel I owe my current company some success stories so they can build their marketing department if and before I leave.

I was offered an interview for a career move job paying 90k with a 25%  annual bonus. I didn’t take it because of several reasons.

  • I want to create success stories at my current company before leaving.
  • They may land a very well-known coffee company which will aid in my marketability.
  • They have invested in me with seminars & pay me well.

Since 2006, I have evolved my goals.  I cover those more in-depth in future posts. So should company loyalty outweigh upward mobility? In my opinion, it’s not that black and white. I’m going to give my all to my current company, create several success stories for them, and then open my eyes to more opportunities that lend to my exit plan. How am I going to focus and give more? Take my resume off the job search engines and be 100% committed for starters.

Posted in This Verses That | Leave a comment

7 Areas I Need to Channel Aggression to Accumulate Wealth

By Neil | Published May 12, 2011

To become a (Net)Millionaire, and financially free by 33, I have to do so by creating lots of value. I also have to do uncommon things. One uncommon approach for me is to be aggressive in certain financial matters.  I’m not aggressive by nature in many parts of my life, but in others I am (although not outwardly).

In some non-financial areas of my life, I actually go out of my way so it seems like what I’m doing comes easy for me. Psychologically I actually find a little bit of contempt for those that seem they are trying too hard.

I’d say in the areas of creating wealth  this is one hurdle that a majority of people let stop him/her even more so. It  has stopped me previously.  The general public does not want to seem like they want wealth or are trying too hard to build it. This is true for several reasons, which I’ll get into later on, that I have discovered through several authors and my own personal reflection.

These are some financial areas that would help me to become more outwardly aggressive in pursuing.

Aggressively collect what’s owed – If I know I’m owed money, I have to be bold about asking and reminding clients, friends, and work reimbursements to be paid.  Pleasantly persistent is often the most  effective. By aggressive I don’t mean being rude, mean or abrasive. I would never make threats of suing or reporting to creditors. Just acting and asking  is more aggressive than I am being currently about collecting what’s rightly owed to me from work I’ve done or company reimbursements.

Approximately owed to me: 2k

How can I make this happen naturally: Set-up automatic billing, turn in my reimbursement sheet every month at work, set-up reminders. Imagine what I could pay off by collecting.

Aggressively reduce debt - As I have mentioned, I have about 30k in debt (car, student, and CCs). In order to be financially free, I need to pay this down quickly. I’m currently using a sort of a Debt Snowball, coined by Dave Ramsey (David Bach & Kiyosaki also mention using a similar method with their own tweaks).

Approximately owed to others: 30k (CCs, student loans, car loan)

How can I make this happen naturally: Be conscious of how much each company is being paid. Pay off the small ones, and roll it over to the large ones each month.  Stick with my car for at least five years.

Aggressively create value - I plan on creating 100 videos over the next year that provide value. By value I mean, teaching viewers how to do something. I have created four on three different subjects.

Approximately owed to others: 96 more videos

How can I make this happen naturally: Record & release one every Saturday, whether they are perfect or not, and distribute widely.  Be encouraged based on people’s feedback. Make sure every video is so helpful, I’ll feel good about about pushing it.

Aggressively form residual income streams – I currently receive income from three clients to manage their PPC accounts. In essence, at this point, there is not much work involved. It’s not purely passive income, but close.

Approximately owed to me: $800 – 1200 a month in PPC management fees.

How can I make this happen naturally: Keep taking on clients, but only if they pay the minimum of $500 a month. Outsource the work. 

Aggressively eat at home – I eat out a lot.

Approximately pay out: Spend probably $800 a month.

How can I make this happen naturally: Have good food at home. Imagine how I could use this money elsewhere. Use coupons. 

Aggressively cut down on drinking – I drink a lot of expensive beer.

Approximately pay out: Spend probably $400 a month.

How can I make this happen naturally: Buy cheap beer and drink it at home.  Do Yoga instead. Read & write this blog instead.

Aggressively cut things out or replace them with free alternatives – There are lots of things I pay for in life, that there are other ways to have the same service.

How can I make this happen naturally: Always think, “Is there a free alternative?”


Posted in Declarations | 5 Comments

Getting Out of Debt Vs Creating Wealth

By Neil | Published May 1, 2011

 

Many inspirational blogs talk about getting out of debt and staying out like:
ManVsDebt.com. There are many blogs out there that allow you to follow these individuals on their journey out of debt and into prosperity.

Based on my training, it’s best to focus on what you want, not what you don’t want. If the focus is “staying out of debt” or “getting out of debt,” the focus is still debt. What’s the opposite of debt? Wealth.

My aim and goal is not to be at an even keel, so although I’m in debt, I’m choosing to make my focus wealth, which will handle the debt and change my life and others’ lives for good.

This is reason I chose to make this blog about creating wealth. It’s not about getting rich quick.  My definition of wealth is also time freedom. I will expand this post as I further define my mission.

I also plan on talking about debt reduction, digital entrepreneurship, life hacks, extended travel, and working remotely and on the road.

 

Posted in This Verses That | Leave a comment

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