The person in the mirror

I answer to the person who pays my bills.

That's the person in the mirror I have to tell I just loaded up a 20% credit card to take a trip or buy something I'll pay on forever because I couldn't wait until I had the money to pay for it in full.

Are you answering to the person in your mirror? You should be.
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Living paycheck to paycheck

Since seven out of 10 people are living paycheck to paycheck you need to be ultra careful who you ask for financial advice.

In other words don't take advice from broke people.

Do your own homework, take control of your finances and be honest. The only reason you aren't writing down what you spend is because you don't want to face the result.
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Personal finance

Personal finance is not a mystery. If it is you're either over-thinking it or not even trying. Which is it for you?

Don't let finance intimidate you. It's a game of pluses and minuses. It's a game of not spending more than you make. It's a game played with simple rules on the playing field of reality.

Don't show up to the game with the wrong equipment. You'll find the equipment between your ears.
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911 Tragedy

Never forget.

God Bless the victims and their families.
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Can I really afford how I am living?

Only you can answer this question, “Can I really afford how I am living?”

If the answer is "yes," good job. If it's "no," you know what to do. If you were smart enough to ask the question, you're smart enough to fix the problem.

Do the math. I've said it many times and I'll say it again. Calculating income minus expenses is the first step to being honest with yourself and your family.

Start being honest today.
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Financial advisors

If you are interviewing a financial adviser the first question you should ask is, “I have debt, what should I do?” If the answer isn't to develop a plan to rid you of that debt first, you need to interview a new financial advisor.

Advisors worth their salt will have you debt-free before they ever talk to you about investing. Don't fall for advisors who put their own investment product sales ahead of your interests.
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No debt to be acquired again

To review. Cars are to be paid for. Student loans are to be paid for. Emergency funds are to be fully funded. Retirement is to be invested in. Kids' educations are to be planned for. Homes are to be purchased with sensible loans that will be paid off. No debt is ever to be acquired again.

Questions?
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