Welcome to the Ultimate Guide to Personal Finance!
From a young age, I’ve always been slightly addicted to personal finance topics. I can remember asking my dad about how investing works on road trips to Palm Springs when I was in grade school. I feverishly saved my 50-cent allowances and any birthday money I got in certificates of deposit. I remember saving most of the paychecks at my first job at Ace hardware for my ‘retirement.’ I was 15.
Needless to say, I’ve been a personal finance nerd for a while now. And while some people might think I’m crazy, I think it’s important for people to understand how money works to succeed in life. While money can’t buy happiness, money sure makes life easier and less stressful. Because of that, it’s crucial for you to understand basic personal finance principles.
This Ultimate Guide to Personal Finance covers:
- 5 Principles to Financial Success
- The Power of Compound Interest
- Why You Should Cut Out the $5 Latte
- Paying Off Debt
- How Investing Works
- Calculating Your Net Worth
- And Much More!
If personal finance is something that interests you, I’m sure this article will help. If you want to take it a step further, enroll in our Free Personal Finance Principles Course. The course includes video lectures covering most of these topics and more! Take it a step further, and check out the Personal Finance Masterclass, which launches on April 20.
5 Principles to Financial Success
If there is one thing that you take away from reading this article, this section is the most important and will help you get on the path towards better finances. Here are my 5 principles to financial success.
Principle 1. Spend Less Than You Earn
In our Personal Finance mini-course, we call this the Golden Rule of Personal Finance. And while it might seem like an obvious rule, many people don’t live by it. You cannot accumulate wealth if you spend more than you earn. Period.
It’s just math. If you make $4,000 in one month and spend $4,000, you don’t have anything left over to save or invest.
While most banks and news sites will say a 10% savings rate is ideal, I want to push you even further. Only saving 10% of your income each month will mean at least 50 more working years until retirement. This is assuming a conservative 5% return on your investments and living off 4% of your total investments during retirement. We’ll dive into these topics later. For now, just recognize that if you are only saving AND investing 10% of your income each month, it’s going to take a LONG TIME to be financially free (i.e. ready for retirement).
Spend less than you earn. The less you can spend, the better off you will be.
Principle 2. Invest As Early As You Can
I don’t agree with Dave Ramsey on some things, but he has a great chart that shows the importance and power of investing while young. The chart below assumes a very aggressive 12% interest rate on investments (meaning that your investments grow 12% every year: $2,000 grows to $2,240 in 1 year). And while that 12% is more than I would ever assume, the principle is the same for lower rates.
It’s better to invest while you’re young. It’s even better to invest $2,000 every year from the age of 19-26 than it is to invest $2,000 every year from the age of 27-65. See the chart below to see how much those investments would grow.
The chart shows the miracle of compound interest – what Albert Einstein called the eighth wonder of the world. ‘He who understands it, earns it…. he who doesn’t… pays it,’ Einstein proclaimed. At the end of the day, the kid who invested from the ages of 19-26, ends up with more money than the person who invested from the ages of 27-65. And this is the same whether the interest rate is 12% each year or 5%.
Compound interest is the reason why investing while you are young is so important. Interest (growth of your investments) accumulates on the principle of your investment (i.e. the initial amount that you invest) AND any interest that has grown.
Compound Interest Example:
Lucy invests $1,000. During year one, the market grows 10%. Her investment grows to $1,100 by the start of the second year. During year two, the market grows 5%. That 5% growth occurs for all $1,100, not just the initial $1,000 invested. Lucy ends up with $1,155 at the end of the second year.
I hope you can imagine how amazing this is, considering it would be smart for Lucy to invest even more principle during the second year (and years following). Imagine investing $10,000 per year!
Wait a second! Some of you might have been investing your entire life, but that markets crashed in 2008 and your life savings disappeared. This is a sad reality for thousands of people. And we’ll talk about this more later on, but just because of market dips and dives doesn’t mean you should skip investing.
In fact, since the 1900s, with the Great Depression, Great Recession, and everything in between, stocks have gone up an average of 7% each year. I’ll leave it at that, and we’ll come back to investing a bit later.
Principle 3. Limit Borrowing Money
We know that debt is bad*. We know that being in debt is a terrible burden for families, students, and individuals around the world. But our society makes it so easy to get into debt.
Credit Cards. Sign up to get a free t-shirt!
Car Loans. Step right into your dream car for 0% down!
Student Loans. Don’t worry about those! Just enjoy your college years!
Personal Loans. Just hand over the title of your car and we’ll give you CASH!
The people behind all of these schemes want you to be in debt because being in debt isn’t free. You’re paying an interest rate to borrow this money. Remember how we talked about compound interest above? It works the same way with debt – but against you! Every day, your debt grows bigger and bigger.
You might be saying, what am I supposed to do? You need a car. You need to buy things. You need to pay for x, y, or z. My plea is to take a moment to truly think about whether you need or just want these things. Is there a cheaper option? Is there an alternative free option? Can you deal with what you already have? Can you wait until you can pay with cash?
Heck, I’m one to talk! I took out over $100,000 in student loans for my fancy private college education. THAT’S A RIDICULOUS AMOUNT OF MONEY! In the end, I paid back over $140,000 due to compounding interest. It worked out for me because I worked my butt off to grow my own company while holding full time jobs and part time jobs and freelance jobs and side hustle jobs and being a penny-pinching cheap-o. But it might not have worked out for me. And with the United States’ 1 trillion dollars in student loan debt, it’s not working out for a lot of people.
Later on, we’ll talk more about being in debt and different methods of paying off debt.
What’s the moral of the story? Limiting the amount of money your borrow is a good thing. The less your borrow, the better off you’ll be.
*All debt is not necessarily bad, though. Going in debt for education and purchasing a house has proven time and time again to be worthwhile. We dive further into this topic in the complete Personal Finance Masterclass.
Principle 4. Have a Vision for the Future
Without a long-term goal, you can’t make a plan to achieve that goal. It’s important for you to think about what you want your life to look like. From there, you can plan accordingly.
No matter what your age or financial situation is right now, start thinking about retirement. And I don’t mean sitting-on-a-beach-drinking-margaritas-retirement. I’m talking about financial freedom. I’m talking about imagining a life where money doesn’t control you, where you’re set for life, even if S#!T hits the fan. I’m talking about having enough F-you money to be able to quit your job, change your career, do what you love, work for yourself, take more time off, have more flexibility.
That may sound crazy to you. But it’s a definite possibility. It will take time. It will take being smart about how you spend, save, and invest your money. But it’s a definite possibility.
Here are questions to ask yourself:
- How much do you spend each year?
- Would you like to spend more or less?
- How old are you?
- When do you want to retire?
A simple way to calculate how much you need to save and invest for financial freedom is multiplying your expected yearly expenses by 25. If you spend $50,000 per year, you need to save and invest $1.25 million. If you spend $25,000 per year, you need to save and invest $625,000. This has to do with the 4% rule, which is explained more with this article and video. To be more conservative, multiple your yearly expenses by 33.
Why are we doing this? By knowing how much we need to ‘retire,’ we can work backwards and see how many years and how much we need to save and invest each year. It all comes down to your savings rate.
The figures below show how many years it will take to retire and how much you’ll need to save and invest. First is the savings/investing rate. Second is the years it takes to have 25x our expenditures with the growth of our investments at a conservative 5% rate.
Use these numbers by thinking about when you want to retire, and then look at the savings rate you’ll need to have to accomplish that goal. For example, if you are 25 years old and want to retire when you are 50, you need to save and invest 35% of your yearly income. Meaning, if you make $50,000 per year, you need to invest $17,500 each year.
5% : 66 years
10% : 51 years
15% : 43 years
20% : 37 years
25% : 32 years
30% : 28 years
35% : 25 years
40% : 22 years
45% : 19 years
50% : 17 years
55% : 14.5 years
60% : 12.5 years
65% : 10.5 years
70% : 8.5 years
75% : 7 years
80% : 5.5 years
85% : 4 years
90% : Less than 3 years
95% : Less than 2 years
100% : Zero – you can retire now because you don’t spend any money!
These numbers, hopefully, show you how it is possible to retire early.
Principle 5. Make No Assumptions About the Future
If you’re old and wise, you are probably saying, ‘Hey Phil, this sounds great and everything, but don’t be so naive. How can we know when we can retire and if our retirement savings is even enough to live a comfortable life?’
My response is – you are exactly right! As much as we can plan, there is no guarantee. The economy might tank, and we might lose all of our investments. We might get hurt and not be able to work. We might have family emergencies that gobble up our savings and investments. These are realities that most of us will have to adjust for at some point in our lives.
And that is the key to success – you have to roll with the punches. Does it mean that you might have to work a few extra years? Yes. Does it mean that you might have to come out of retirement and work part time? Yes. Does it mean that you can’t be 100% certain that saving 50% of your income will result in financial freedom in 17 years? Yes.
The past doesn’t have any bearing on the future. Even if you are investing in what some call safe and boring index funds, there is no guarantee.
BUT! If you follow the first few principles (spending less than you earn, continually savings and investing, and limiting your borrowing) you’ll be fine.
Why You Should Cut Out the $5 Latte
People often scoff at the idea that cutting out your daily Starbucks or Subway can really help you to become rich. In this part of the Ultimate Guide to Personal Finance, I want to dispel any myths that you can’t get rich by pinching pennies.
Above, you learned that a savings rate is crucially important to knowing how long it takes to retire. By now, you hopefully understand that a higher savings rate means faster financial freedom.
How do we increase our savings rate?
My argument is that it’s easier to increase our savings rate by reducing expenses than by increasing our income. Before you come at me with pitchforks, hear me out. Let me explain by showing you an example.
Randy makes $10 per month. Randy spends $8 per month on all of his expenses. Randy has a 20% savings rate.
Randy gets a $2 raise, bringing his income to $12 per month. His expenses stay at $8. Randy has a 33% savings rate.
That $2 raise was great! It helped Randy increase his savings rate by 13%, cutting about 10 years off his working life to retirement. But let’s change it up a bit.
Instead of getting a $2 raise, Randy figured out how to cut $2 from his original expenses. So Randy earns $10 and spends $6. Randy has a 40% savings rate. That’s at least 5 years closer to retirement than it was by getting a raise of $2!
Now, you can see that decreasing expenses can have a more profound effect on your savings rate than making more money. Another issue is that when people make more money, they tend to spend more money. Realistically, if Randy got a $2 raise, he would then make $12 and then spend $10 because he spends his raise on stuff. But that means he saves less than 17% of his income.
The ideal situation is Randy getting a $2 raise, AND cutting out expenses. Randy would make $12 and spend $6. That’s a 50% savings rate – only 17 years until financial independence!
Now you understand even more how reducing expenses can powerfully help you achieve financial freedom.
That’s why saving $5 here or there every week can dramatically help you get closer to retirement. There’s something called the Latte Factor. The Latte Factor shows how much little indulgences like a $5 latte add up over time. So before you shut me off and tell me that you absolutely need your daily Starbucks, let’s understand what the Latte Factor is saying.
The Latte Factor: Take your weekly expenses, multiply them by 752. The result is how much money you would have after 10 years, if instead of spending money on your weekly habits, you invested your money.
If you spend $10 on coffee each week. That $10 would be $7,520 after ten years. $7,520 is a lot of money. But let’s take it even further. Imagine if you go out to lunch a few times per week, spending $50 more than you would, if you packed a lunch. That’s $37,600 in ten years.
Let’s take it even further.
If you can cut $500 from your monthly budget, and invest it instead, your investments would total $606,00 after 30 years.
$500 seems like a lot of money. But start small. Cut out that $5 weekly latte. Do you really need Netflix AND Hulu Plus? How many times are you eating out per month? What major entertainment and ‘luxuries’ do you purchase each month?
This Latte Factor calculator shows how much your weekly expenses can be after a certain amount of time. Check it out, because it will really inspire you to start cutting down on expenses.
There’s always another side of the coin. While it’s great to cut expenses, it’s also great to increase income and splurge a little. I’m in no way saying that increasing income is bad. There are lots of fixed expenses like housing, utilities, and food that can’t be decreased no matter how much you try. That’s where growing your income helps increase your savings rate.
In terms of splurges, I’m all for rewarding yourself once in a while. I enjoy my date nights with my wife. I enjoy going to a ball games a few times per year. I enjoy exploring the world – and that takes money. The Latte Factor isn’t meant to deprive you of living happily. It’s just meant to show you an alternative.
If it’s worth the extra years of work to keep your $5 daily lattes, that is completely fine. You can make that decision for yourself.
Paying Off Debt
Let’s talk about debt. I find that most people interested in personal finance are coming from the perspective of someone in debt.
If there’s anyone that can talk about what it feels like to be in debt, I’m your guy. Of course there are people that have more debt than I did. There are people that have been in debt longer than I had been. There are people with more consequences due to debt than I ever had. But, boy, was I in debt.
As a 17 year-old, taking on tens of thousands of dollars to go to a fancy private school seemed like a great idea. I was blinded by the shiny school brochures. It wasn’t until after I graduated that it finally dawned on me how much money I had taken out in loans. You hear the stories about people graduating with 30 or 40 thousand dollars mountains of debt. Well, I must have taken on the mount Everest of debt, because the day I graduated, my net worth was negative $100,000.
I didn’t graduate from law school. I wasn’t a doctor… two places where that amount of debt is ‘reasonable,’ some would say. I had a bachelor of arts in film and television production. Worth it? I’ll let you be the judge. My first full time job paid about $30,000 per year. Rent and loan payments wiped that out quickly. And to be completely honest, most of my debt was in parents’ names and I pushed it to the back of my mind. Initially, I only focused on the $23,000 in Federal student loans that I took out in name.
I was ruthless. I attacked all of my loans with a vengeance.
Why? Because I knew that if I didn’t pay off my loans now, I would never ever be in control of my own life. Because money controls your life, whether you like to admit it or not. And especially if you are in debt, money controls everything. It controls what type of job you can have (because you have to take whatever you can get). It controls what you do for fun (because you worry every time you get invited to go out). It controls how you sleep (because you can’t, sitting up at night with anxiety of what the hell you’re going to do). It controls your relationships (because your stress pervades everything).
Debt feels terrible. I know it. And that’s why I made the decision to pay off my debt as fast as I could. It took a while to finally accept that it was my burden to bear the brunt of all the parent-plus loans my parents took out for me. In the end, I paid off over $140,000 in loans, in just under 5 years. I know that sounds crazy. I know that is not normal.
To be honest, it’s hard to write a how-to guide about paying off debt. Everyone is different. Everyone’s income is different. Everyone’s expenses are different. Your situation is different than mine. I was lucky to have a decent-paying job, to have skills that got me freelance work, to have the drive to start my own company. These things helped me pay off all my loans in less than 5 years.
But your story is different.
What I can do is give you some rules for paying off debt and explain 2 different methods that people use to pay off loans: the Stack and Snowball methods.
Basics of Debt Reduction:
Step 1: Stop Creating New Debt
You need to stop creating new debt if you’re ever going to pay off your current debt. Stop using your credit cards. Don’t buy anything that requires a loan. This includes payment plans! Purchasing the new iPhone and only having to pay $20 per month for two years, IS DEBT! Yes, you may not be paying interest on the phone. But choosing to pay something off with a payment plan puts you in debt for the original amount of the phone – and you aren’t out of that debt until you pay it off in full. Don’t purchase anything with a payment plan.
Step 2: Rank Your Debt by Interest Rate
Look at all of your loans and credit card balances. Which one has the highest interest rate?
Step 3: Ask for Lower Interest Rates
You can ask credit card companies and loan lenders for a lower interest rate. Sometimes they’ll give you one because they don’t want you to move your debt to another bank or lender. If they don’t lower your interest rate, think about consolidation or moving your debt to a new lender that has a lower interest rate.
Step 4: Look at Your Budget
Understand how much money you are making and where your money is going. Only by systematically categorizing your expenses will you be able to find places to save money and transfer that savings to debt repayment. Using a tool like Mint.com is how we do our budgets. Everything is automated and easy. You could even use a spreadsheet like Microsoft Excel. Do whatever is easy for you – just do it!
Step 5: Choose a Method to Pay Off Your Loans…
The stack method has you paying off the minimum payment for every single debt you have, as to not incur any fees. Then you target the debt with the highest interest rate and put any extra money towards that debt. Once you pay off that debt, use all of your extra money to tackle the next loan with the highest interest rate.
For example, Jessica has 3 different pieces of debt: $5,000 in student loans at a rate of 6.5%, $10,000 in car loans at a rate of 5%, and $2,000 in credit card debt at a rate of 18%.
With the stack method, Jessica would pay the minimum on all three loans/debt. Then she would pay any extra money towards the $2,000 credit card debt.
Why? It might seem counter-intuitive to pay off the $2,000 credit card debt first, when she has $10,000 in auto loan debt. In reality, the credit card debt is more expensive than the car loan. That debt grows faster than any of her other debt, and because of that she should pay it off first.
The stack method is mathematically the smartest and most efficient method because you will actually pay off your debt faster than the snowball method.
The snowball method has you paying off the smallest loan first, while paying off the minimum on all debt. After paying off the smallest loan, you pay off the next smallest loan… like a snowball growing larger and larger.
With our Jessica example, if she chooses the snowball method, she would pay off the $2,000 credit card debt, then the $5,000 student loan, then the $10,000 car loan.
Why? If the stack method is actually more efficient at paying off your loans, why would you choose this method. The psychology of paying off your loans is important. By paying off your smallest loan first, you get that mental win that pushes you on to the next loan. This way can be more fun, and you can see the results faster.
It’s up to you to decide. You can choose either method to pay off your debt. You just have to make a decision and do it. Remember that you’re always paying the minimum on all of your debt so you don’t get any extra fees. Then all of the extra money you save each month goes towards one particular loan. Any extra money (bonuses, gifts, etc.) – put it towards your debt.
How Investing Works
I’ve talked about investing earlier in this guide. Now it’s time to fully understand how investing works, because investing is a very important part of personal finance. It’s not impossible to retire or be financially free without investing. But it’s a lot harder.
For example if you don’t invest, you retire at the age of 65 with the expectation that you’ll live another 25 years and that each year you’ll spend $50,000, you’ll need more than $1,250,000 in a savings account. That’s hard to do without investing. You would have to save at least $31,250 per year from the age of 25-65 to have that much. Of course, this doesn’t account for inflation, emergencies, or living longer than 25 years. Because of inflation, your money is actually worth less each year. $10 buys less (has less purchasing-power) next year. $50,000 when you retire at age 65, buys a lot more than it will buy when you are 90.
That’s why investing is important. Your money grows while you work. Your money grows after you retire. Depending on the market, your $1,250,000 of invested money at 65 might have even grown by the time you are 90.
What is an Investment?
There are many types of investments. You can invest your time in learning a new trade. You can invest money into starting a company. You can invest money into a commodity like a stock or a bond.
At its core, investing is giving money or capital to something with the expectation of obtaining additional income (profit) in the future.
Investing money involves putting money into an investment vehicle such as stocks, bonds, mutual funds, index funds, certificates of deposit, real estate, gold, etc. The goal is that over time, the value of that security increases, and your investment is worth more money.
Investing is not gambling. Yes, there is risk. You never know for sure what a company or a market will do. But smart investing involves analysis and some sort of reasonable expectation of a profit. Again though, there are risks; there aren’t guarantees; but investing is important.
Main Types of Investments, Simplified
Stocks are basically a small portion of a company. Companies offer a certain amount of stocks for their company called shares. You can purchase these shares and own a part of the company. The more the company is valued, the more your stock is worth (and visa versa). Stocks are generally more volatile than things like bonds – but also have a high potential for returns.
Bonds are basically someone else’s debt that you purchase. A company or the government issues bonds to raise money to do their business. When you invest in a bond, you are lending money to that entity and they have to pay you back with interest. Bonds provide a more steady stream of income, with lower risk than stocks.
Mutual funds are a collection of stocks and bonds. Each mutual fund invests in a variety of companies, spreading out your risk. They are run by companies who choose the investments and move the investments around. Index funds are are type of mutual fund that includes all of the components of a market index. You’ve probably heard the term S&P 500 before. The S&P 500 is a diverse group of 500 large companies in the United States. So investing in the S&P 500 index fund is actually like investing in 500 different companies. This typically spreads out the risk and is a smart way to invest – albeit boring to some people.
While stocks, bonds, and mutual funds are the main types of investments, you can basically invest in anything. Gold, Real Estate, Options, Futures, FOREX, etc. are all other types of investments. These require more specialized knowledge of the specific industry and type of investment. And I suggest sticking with stocks, bonds, and mutual funds for now.
How to Invest
Now you understand what an investment is, but how do you actually invest. We dive deeper into this topic in the Personal Finance Masterclass, including smart investing, different types of investments, alternative investments, and much more, but let’s cover the basics.
Steps to investing:
- Open up an investment account. This could be something like a 401(k) at work, a Roth IRA, or a personal brokerage account. Fidelity, Vanguard, and Etrade are just a few examples of companies where you can open an account.
- Deposit money into your investment account. You’ll need to put cash into your investment account before you can actually invest. Now, if you are investing through a 401(k) account at work (or any other type of account at work), this process can be automated – money will be automatically deducted from your paycheck and invested for you. But you’ll have to set that up first. Ask your HR department for help.
- Choose an investment. I could write a thousand articles on researching the right investment to invest in. But in the end, I like my boring index funds.
- Invest in your choice. Whether you’re using Fidelity, Vanguard, or another investment company, you purchase your stock, bond, fund, etc. just like you would buy anything else. You say, I want to buy $100 of the S&P 500 index fund.
- Sit back, and wait. While some people like to do investment trades often, I’m a huge fan of just letting your investments do the work. Especially if you are investing in something like a mutual fund or an index fund, you’re not going to get rich overnight. And it doesn’t matter if you do or not, because you’re in this for the long run. Ideally you start in your teens or twenties and will wait 30 or 40 years before you start taking money out of your investments.
I’ve been investing since I was a teenager. But it has only been the past few years, as I paid off my debt and made more money that I started investing more aggressively. I’ve already seen some amazing growth in my investments in that time. I’ve also seen some fairly dramatic dips.
INVESTING IS SO IMPORTANT to financial success.
Start small. Start with what you can. But start somehow, and start today.
Calculate Your Net Worth
As you go down your personal finance journey, there is one number that ultimately is the most import – your net worth. Your net worth is basically how much money you actually have: how much your assets exceed liabilities (debt), how much you own versus how much you owe.
To calculate your net worth, add up all of your assets. Your assets include cash, savings, emergency funds, investment funds, and home equity. I do not recommend including your car or any other material possession in your net worth because the value of these items can fluctuate dramatically.
Next, add up all of your debts. Your debts include credit card balances, personal loans, student loans, auto loans, home loans (mortgages), and any other debt you have.
Now subtract your debt from your assets. That is your net worth!
Let’s look at an example. Alex and Marissa are a married couple. Here are their assets and liabilities:
- $2,000 in a savings account
- $5,000 in an emergency fund
- $17,000 in Alex’s 401(k)
- $11,000 in Marissa’s Roth IRA
- $120,000 paid off on their mortgage
- $300,000 left on their mortgage
- $1,500 credit card balance
- $10,000 on Alex’s student loans
$155,000 (assets) – $311,500 (debts) = -$156,500
Alex and Marissa have a household net worth of negative $156,500.
There is no real right number for how much net worth you should have. This depends on a lot of things like how close you are to retirement, how much money you have invested, how much money you need to spend each year, etc. Remember, a very basic rule of thumb is that your net worth should be 25-33 times your expected yearly expenses.
What’s your net worth? Your net worth is an important number to keep track of… not every day… but every month or so. Tools like Mint.com and Personal Capital can make it easy to track your net worth. You plug in all of your banking, credit card, loan, and investment account information. It takes that information and calculates your up-to-date net worth for you.
Personal Finance Wrap-Up
By now, hopefully you’ve got a better sense for your own personal financial standing. I put this guide together because I’m super passionate about helping others improve their own finances. I truly want to help you, and I hope this guide has done that. I am not a certified financial planner, and everything I’ve written in this post is just from my experience. I highly recommend talking to an accountant before making any financial planning decisions on your own.
What do you think? Did this help you?
If there is anything that is confusing or that you think is missing from this guide, please leave a comment below. I’m going to be updating this guide in the future, so you can always come back to see what is new.
Take your personal finances to the next level. We’ve put together our Free Personal Finance Principles Course, to dive deeper into the topics in this article including budgeting the smart way, how to retire early, why the rich get richer, measuring your financial success, and more. It’s free. There’s no risk. It’s really there to help you.
If you really want to take it to the next level, The Personal Finance Masterclass will be launching on April 20. This 100+ lesson course deeply covers all of the major financial topics, including:
- Understand Your Money
- Budgeting, Savings, Reducing Expenses
- Grow Your Income
- Understanding Credit Cards
- Loans, Debt, Debt Reduction
- Investing 101
- Real Estate, Mortgages, and Other Big Ticket Purchases
- Retirement Basics
- Early Retirement Plan & Financial Freedom
- Love & Money
- Youth & Money
- Psychology & Money
If you’re interested in that class, visit this page and I’ll send you a message as soon as it’s live. It’s only going to be $25, because we want to provide it to as many people as possible.
Thanks again for reading! Best of luck with your finances!