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You've come a long way to get where you are at. Whether you are in the military or not, you have sacrificed much just by going to work every single day. You have dealt with traffic, bad bosses, and countless frustrating phone calls.
My name is Josh, and I am an active-duty US Marine with the rank of Master Gunnery Sergeant (E-9). I have seen a lot in my years-been to Afghanistan, served in Africa and Turkmenistan.
However, one of my greatest accomplishments,...
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America is expensive. So what if we took our well-deserved passive income and moved overseas? Could we find happiness away from the glitz and glamor of the USA? I believe that we can lead extraordinary lives overseas and find interesting people and places. I know that my wife and I plan to spend significant time overseas in Turkey. Welcome to the Living Overseas Passively book series, where we will prepare ourselves to live overseas, entirely on passive...
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Pinching pennies and living life cheaply can do more damage than good. Protecting your money at all costs prevents you from learning how to create money. The true path to wealth is having your money make money. Trying to save a couple of pennies on each transaction only leads to hate and discontent. Even if a cheap person amasses a vast fortune, they will hesitate actually to spend the money. Remember that they have lived their entire lives cheaply....
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They teach you to work. They teach you to struggle. However, they don't teach you to enjoy life. Somehow, our lives have become about working for money, buying things, and upgrading to bigger things. Life is about paying it forward, spending time with loved ones, and growing your community. If you live below your means, you can quickly retire on passive income. Then you will have time to spend time with whoever you choose. However, they did not teach...
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Would you buy a $25 gift card for $20? The magic would be when you redeem it for $25. What if you could receive dividends before you redeemed the gift card at a profit? That's the magic of preferred shares. The typical par value of a preferred share is $25. You can find them at great prices like $18, $19, and $20. Once you purchase them below par, you will start to receive dividends. Once the company decides to call the preferred share, it will pay...
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90 to 95% of the workforce uses the "broke" money system. This cycle entails working, wanting, buying, and owning. The other 5-10% use the "investor" money cycle that entails budgeting, saving, investing, and spending. The key before between the two is cash flow. The "broke" use cash flow to buy liabilities, while "investors" use cash flow to purchase income-producing assets. And guess what? Income-producing assets (like dividends) produce more income...
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Do you feel like you're not making progress financially? Welcome to America and the world of capitalism. Inflation is the cost of being alive. We can't sit still for a few seconds without prices increasing somewhere. To get ahead, we must make a drastic change in our lives. This change could be moving to a small city or relocating overseas. There is no use fighting about how unfair the cost of living is in America. It's time to make a serious move...
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It's challenging to gain your footing as a head of household. There are many competing interests financially that you have to juggle. Saving for expenses, vacations, school, and maintenance is part of your daily routine. However, we still need to save for emergencies, invest for retirement, and build a nest egg for future generations. How is one to thrive in this overwhelming environment? First, learn to relax. Then we only need to create a road map....
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No matter where, how, or when we started on this Earth, we all have the opportunity to have a happy ending. We will just have to decide what our happy ending consists of.
Do we choose to work until we are 70 years old and barely survive off social security and medicare? Or do we have a 401K, Roth IRA, dividends, rental income, crypto, and royalties to assist with our retirement?
Do we decide to work during our kid's golden years, missing valuable...
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Welcome to the elite Savers of America. Saving and Investing $1,000 per month is no small feat. Now it's time to decide how to allocate your resources. Everyone has their own investment strategy and risk tolerance. I love to focus on income investing, but you may love index funds. Others love the security of a high-yield saving account. The best part is that we can allocate our cash into multiple different strategies to have safety, security, growth,...
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The world of education has come a long way since I was a child. We can credit the internet and technology to many of these gains.
So the next giant leap will be within the metaverse. How does education look in the metaverse? Who will be the next big player in the education space?
Similar to Chromebooks, it only takes an idea to have mass-market appeal. As entrepreneurs, we need to do a deep analysis of how the metaverse will affect the learning...
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It's okay to spend money on things you love. The trick is to curb spending on items for which you derive no pleasure. Keeping a daily budget is the best way to focus on things you love. Daily budgeting helps you track what you love, say, coffee. It also ensures you are not trying to consume too much within the same timeframe. In essence, it helps you choose between going to a movie or buying Blu-Ray (for example). Don't fear tracking your spending;...
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As we age, our primary residences become an emotional blind spot; we would love to stay in our homes forever.
However, two things are true: we need a place to stay plus income. Therefore, we must make tough calls if we need to generate more revenue.
A reverse mortgage may allow you to stay in your home, create cash flow, and preserve generational wealth.
If you convert your lump sum into an income-investing portfolio, you will have more options...
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Are you starting a small business or online income stream? Have you considered creating and writing your own advertising and content? The world will tell you to hire out these services, and maybe in time, you should. But learning how to create and design will pay dividends in the long run of your business. It is not just about saving money but keeping your personality as a vital element of your business. I am a US Marine, yet I am learning how to...
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Times are rough, and the future only holds more pain. What can the average American do about inflation? When all else fails, it's time to return to the basics. We need to track and document every penny that comes into our household. There are only two ways to become wealthy-reduce expenses and increase income. As you create more cash flow, you must invest in dividend-paying stocks. Dividends are the key to living your best life. The more you invest,...
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Can you save $10,000 in a high-yield savings account (HYSA)? It is no easy task, but I believe in you. The first step is understanding why saving money is vital to our future. We cannot pause our lives with every emergency that arises. Next, we must understand that our emergency fund should not be used frequently or randomly. In fact, we should aim never to use these funds. Finally, we must create additional income streams to increase our savings...
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Every year (and currently every month), the price of goods and services rises. This phenomenon is called inflation, and it slows your wealth accumulation. To beat inflation, you need to create more money than you lose. You are responsible for building your income streams to combat inflation and grow your net worth. Your job, boss, or spouse are not responsible, it is solely your mission to beat inflation and become wealthy. To achieve this, every...
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Life is good as an income investor. Not because you have tons of money coming via dividends, although that is nice. No, the real reason is that you have options. It gives you leverage when you have $1,000+ coming, regardless of your employment situation. Most people don't want to retire early truly; they want to find and execute meaningful work. Your income portfolio allows you to take your paycheck wherever you travel. Now you can work the job of...
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We should all strive to leave the workforce while we are still healthy; however, some will leave sooner than others. You can determine how fast you can leave the workforce by lowering your standard of living, even for a short period. Retirement is the act of stopping to go to work. Financial freedom affords you the freedom of time, movement, and money. Those who aim for financial freedom understand they can leave the workforce as soon as their passive...
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As we look toward retirement, we will need multiple income streams to thrive without a full-time job. We can use writing to create multiple streams of income without investing too much overhead into our business. Becoming a writer is one of the best ways to start living as a digital nomad. Everyone should have a few books earning royalties on Amazon. Creating unique content by meshing together multiple topics is the key to becoming a successful writer....
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