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Are you trying to save money by working your job and putting money in a bank account? How's that working for you? Saving is about your relationship with money. If you have a scarcity mindset, meaning you believe there is a limited amount of money, it'll be tough to save. Conversely, having an abundance mindset means you can create money at any time-which you can. Is it easier to save from your paycheck or walk someone's dog once a week for $20? That's...
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Living below your means gets a lousy repetition. People believe this means you can't buy Starbucks, eat out, or go on vacation. LBYM simply means you live a couple of notches below your income level. If you earn $6,000/month, you try to live on $4,000. We call the extra money cash flow, and it is the heart of your household. We use the additional income to save and invest. Saving and investing have different purposes, but all lead to the same results....
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Interest rates will be "higher for longer." If you are a saver, now is the time to maximize your yields. Today, we look at two great methods to earn yield while protecting yourself from future interest rate movements. CD Ladders are FDIC-insured, have little penalties, and generally have short timeframes (1-5 years). Treasuries have a broader timeline (1 month to 30 years), are state-tax-exempt, and you can buy them in smaller increments (starting...
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Life is full of tough choices, so I present another one for you to mull over. USDC and Series "I" Bonds currently offer yields over 9%. Where should you invest your hard-earned money? Inside, I go over why so many people value having a large stash of USDC. Also, we look over the historical yields of Series' "I" Bonds. These high yields won't last long; however, their safety is unwavering. Of course, as investors, we want to diversify into both of...
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The greatest threat to our wealth in our 70s is long-term care or some other medical emergency.
We can prevent these scenarios from destroying our lives by preparing as early as possible.
We can use long-term care insurance to dampen the costs of being put in a home. However, we can also use passive income to pay these costs.
By planning to make tons of passive income, we ensure we get the care we need moving into our later years. This protects...
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Most people don't understand that their income needs to increase significantly every year. Not only is inflation making your money worthless, but your family's needs are also growing. It's tough to beat inflation with only your W-2 job. You must leverage rent, royalties, dividends, and businesses to stay ahead. Yes, there is a steep learning curve, but once you get over that, you can start earning the income you want and need. Good Luck!
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The average person is risk-averse and won't take any chances with their money. Understandable, at least for now. However, we still need to keep our money working, even if we receive a small return on investment. The Super Safe Savers will get you heading in the right direction, with little to no risk. However, their biggest disadvantage is losing ground to inflation. The Super Safe Savers include high yield savings accounts, certificates of deposit,...
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It is a new age, and it comes with a new financial product. I logged in to pay my car note, and I had the offer to skip a payment. Wow, for a $25 fee, I can be in the same financial position as last month. Make no mistake; this is a dangerous proposition. It is essentially a payday loan to yourself-putting a bandaid on the problem. Instead, finding the source of your financial trouble is much more challenging. Prepare yourself because it will only...
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The world is changing as we speak. It is simply too expensive for the average person, especially if they work individually. We must bring back strong, vibrant communities-by sharing resources and exchanging services. For example, you could exchange eggs and dog walking with your neighbor. America started as a land of business owners and entrepreneurs. Trying to go through businesses for goods and services wastes much of your money. We can achieve...
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I once believed you could survive in the workforce long enough to build a truly passive retirement. Let's say this takes 25 years. However, the workplace has degraded into a circus we must avoid. Using a combination of active and passive income, we should aim to be free in 15 years. Lowering our housing costs is the number one way to free ourselves. Once we determine our required household income (say $6,000/month), we can work on replacing it. By...
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Who you choose to marry is the most important financial decision of your life-don't take it lightly.
The good news is that if you learn to control your finances, you'll find someone whose goals align with yours.
If you and your spouse can work together, love each other, and prepare for the future, these could be the best years of your life.
Finally, you'll have to pick a home you can afford while allowing you all to save and invest for your future....
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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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Living overseas is the dream of many Americans. Imagine waking up to a brand new country every day. However, most of us won't work overseas after we retire. So how would we survive? Well, we can live off of passive income. This is part seven of my series, where I discuss living overseas on passive income. Today, I will talk specifically about residual income from an automated business. Business is the wealth generator for many entrepreneurs, but it...
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It's time to step up our Passive Income game. We are progressing into deeper topics today as we jump into income investing, REITs, and royalties.
A misconception is that you need a lot of money to get started with real estate. Nope. Real estate is a mindset. Having a roommate paying you $500/month is the same as owning a home that nets $500/month.
Income investing can be risker than dividend growth investing because the high-yield securities are...
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Saving and investing are similar yet vastly different. They both require discipline with money and budgeting. However, saving is for protection, while investing is for generational wealth and retirement. Just because you are a saver doesn't mean you can't get a return on your money. Now, more than ever, there are safe places to store your money while obtaining yield. In this book, I compare Savings "I" Bonds, Treasuries, and USDC to see where you...
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Building good "time and money" habits is difficult, especially if we are overcoming poor behaviors. One way to form good habits is to reward ourselves. Passive income is a mindset and a lifestyle. Every day we need to review our income sources and tweak them to get better results. If you invest in dividend-paying stocks and cryptocurrencies, then every day, you need to check the markets. If you invest in real estate, you should read a daily blog about...
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Inflation is upon us, so how do we defeat it? I guess we could work more hours at our job. Or better yet, get a second job driving Uber or delivering pizzas. That sounds like a great idea.
I was just kidding. Don't solve your problems by exchanging your time for money. Every time we do this, we'll have to work more hours to earn more pay. It's a hamster wheel that we call the rat race.
Passive income is the answer. We need to build passive income...
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Dividend Growth Investing is a beautiful way to spend your time and grow your net worth and income. However, many of us do not have the time to manage 15-25 dividend stocks in a DGI portfolio. Can we substitute Dividend ETFs instead of DGI stocks? Yes and no. I do more in-depth inside the book. However, there are pros and cons to letting an index manage your stocks via ETFs. I have Dividend ETFs in my portfolio, and they have performed well for me,...
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Do you want to work for 35 years to receive $3,000/month in social security benefits? That sounds like a bad deal to me. I would rather create a $3,000/month paycheck by age 45 and grow it into a $20,000/month paycheck by the time I turn 66. But where do you start? I choose income investing as my investing style of choice. It's not for everyone because it requires knowledge, research, and faith in the system. However, if you can understand the order...
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The most significant risk in your 60s is overspending on your family. We worked so hard to grow our income and assist our children, but our top priority is to protect our wealth.
We cannot make emotion-based decisions. We would love to send our grandkids to private schools or buy massive houses, but it may not be in the cards.
We have to make decisions based on facts and logic. Our choices affect the long-term health of our family for generations.
We...
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