Category: Bossing Your Finances

Stop living in scarcity and take control of your finances.

How Michelle Obama, Richard Branson and other successful people use calendar hacks to be happier

I try to stay on top of things but sometimes I completely fall off. I can’t for the life of me understand why! I think I’ve improved. The goal is to conquer it! lol I’ve been able to be much more productive and it also helps free up storage space in my mind. If you’re anything like me, we’re always thinking about the next big master plan. So the more free space the better!

Like my calendar? hahahaa


Scheduling everything into your agenda might seem obsessive, but many of today’s influential leaders say that using a calendar helps improve work-life balance.

In fact, those who are consistent with using a calendar and to-do list are about three times more likely to be millionaires than those who don’t keep a set schedule, socio-economist Randall Bell says.

Here are five leaders and executives who have shared their best scheduling tips to stay productive and happy.

Link below for full story.


Corrections happen often, don’t freak out…

What is a stock market correction?

A 10% drop in stocks from their peak. Since Jan. 26, the S.&P. 500 has fallen 10.16 percent. (I currently have 90% in the S.&P. 500 for one of my investment accounts…OUCH!!!)


Who do corrections affect most?

Short term traders and those who heavily leveraged their account with the use of margin (an example would be a day trader).

Thankfully not me 🙂 

I’m a long-term investor so this isn’t freaking me out. I know that corrections are an inevitable part of stock ownership. And so are peaks $$$

What should you do?

That is up to you. Me? I am going to reassess my investments. Maybe change my percentages up a little. Possibly buy more stocks since they are relatively cheaper than they were a few months ago. BUT I WILL NOT BECOME JUST A CONSUMER AGAIN.

If you’re retired or going to soon, here is a great article to read from the Huffington Post.

And again, this is about the long term. The stock market, as measured by the S&P 500 Index, has had an average annual return of 10.31 percent from 1970 to 2016. In dollar terms, if you had invested $10,000 in the S&P 500 in 1970, by the end of 2016, your investment would have grown to $1,005,588. The worst one-year return for the stock market was in 2008, when it dropped 37 percent. 


Don’t freak out if you are. Do your due diligence. History will show you the stock market trend.





Wealth Tip, Invest In The Stock Market.

You NEED to invest in the stock market. If you haven’t started, start now.

If I knew then the things I know now, I would have started at 18 and life would have been very different. My son turns 18 in a month and I’ll be forcing him to set aside a percentage of his earnings. Parents, make your kids do this. They will be so grateful, 20 years later 🙂

Investing doesn’t have to be hard. It can be as simple as putting money into your 401k. There are tons of stocks and bonds up for grabs. If you’re new to investing, I really, really recommend that you take the time to learn it.

1. Start saving as early as possible. Compounding your money is the easiest thing you can do. It’s the golden egg to becoming wealthy. A lot of people don’t know this. Including myself for the longest time and I worked at a bank for many years. That’s what happens when you’re too busy trading time for money instead of thinking outside the norm.


2. Take full advantage of a company match, when available. Hello, it’s free money.


3. Don’t invest too conservatively for your age. If you’re young, you have more room to play with when it comes to the stock market. Less risk means less return.

I’m 36 and my Vanguard account is set up basically like this. My risk tolerance is moderate. I’m also a long-term investor. I don’t buy and sell stocks daily.


If you need a starting point, look up Tony Robbins. Unshakable is a great book. Actually, all his books are pretty great. If you don’t like to read much, he’s all over YouTube. I trust him and follow a lot of his advice.

Currently, I invest 7% in my company 401K. 89% goes into the S&P 500 and 11% into bonds. I’m supposedly a little too aggressive according to my portfolio analysis. But I think I’m still young enough and I’m willing to risk a little more. Remember there is no guarantee that the market won’t drop. YOU NEED TO KNOW YOUR RISK TOLERANCE AND WHAT YOUR GOALS ARE BEFORE YOU INVEST. Regardless, cash will not give you the same return even when the market is at a low. My savings account is at 1.35 while my stocks are at (as of this morning) 5.43 ROI. Let’s say the markets take a big dip. My savings will go to 0.05 and my stocks will be at 1.35. That’s just an example. I can’t give you definite numbers. The Warren Buffets of the world will tell you this, you need to become an investor if you hope to one day become truly financially free. It’s not instant money. That’s why I hesitated for so long. Putting a hundred away when things are already tight is hard. If the government puts a 10% tax on you, you would pay it. You would have to make it work. Put a tax on yourself. Thank you, Tony.

Your future self will thank you for it. Wealth builds over time so you should start investing now. Even a small amount.

We want to live in the present but we still also plan on living a full life. I hope to live to at least 70 “) We could die tomorrow. But we also could not. Live a good life now. And live a good life later too.