1. (Consult an accountant before trying this) Increase your tax exemptions so they withhold little to no taxes. I used this one before where I would go tax exempt for a month or two so I wouldn’t lose half of my holiday bonus because of taxes. Most of us, if we pay taxes throughout the year, pay what we need to pay by September. Why not take more money home today rather than using it to pay off your credit card bill from Christmas where you got charged a few months worth of interest? As I said above though, since everyone’s situation is different, consult your accountant.
   
2. Do our 5% Challenge. Look at your expenses and see if you can find ways to cut at least 5% from each area. For example, last month, I called up a competing internet company where I was able to save about $20/month and get faster internet speed. If you spend $5000 each month, this would mean you would strive to cut $250/month out of your budget. Wouldn’t that be great?
3. Temporarily stop retirement plan contributions. Don’t pass up on some potentially wonderful memories with your family today for putting away only a few hundred dollars over the next month into a retirement plan that you may not even be alive to enjoy. It’s even worse if the stock market tanks. I’m not saying you don’t save for retirement, but there are some investments into those that you love most that you may be forgetting. If you tend to charge credit cards during the holidays, this could save your from having to pay higher interest rates than what you would earn in a retirement plan.
4. Sell off your junk! Find a way to clean out that garage or storage shed while earning some extra cash by selling your junk. I’m sure your spouse will thank you and it will declutter your life. My wife and I made an extra $2000 one year just from cleaning out our house!
5. Earn extra income. Now is usually a great time when stores need seasonal help, work some overtime by covering shifts, or by having a side business. If you only focus on decreasing your expenses, you’ve forgotten about the other half of the equation - increasing your income. Find ways where you can earn a little extra cash, whether it be temporary or permanent.
6. Refinance or restructure loans. This is the main thing that allowed me to free up the majority of the $1,819/month and can be a lot of fun to do. With interest rates being low, you could end up refinancing some loans to get a better interest rate AND skip the next month’s payment! If you already have great interest rates or need the cash, you can also call your loan company (i.e. mortgage company, auto lender, student loan lender, etc.) and ask to skip a month or two payments on your loans. They will often allow you to extend your loan terms which could give you extra cash for the holidays or pay off a credit card faster.
7. Make minimum payments on loans this month. So often, I see people try to apply extra payments to all of their loans. First off, it’s a slow and depressing way to pay off your debts. Second, you should only focus it on one loan at a time. Why not pay minimums temporarily to ensure you don’t have to charge a credit card later? Spending just one or two months paying minimum payments will not destroy your ability to become financially free. Ironically, I watch more people become frustrated because they applied too much to their loans (especially the lower interest loans) and then have to charge up their high interest credit cards. As a result, they feel frustrated that their debt acts like a rubber band - always shrinking and expanding.

Try these out and leave a comment about how much you were able to free up this holiday season. Also, what other ways were you able to free up cash?

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My answer is the same as it was 4 years ago when many of my friends thought the end of the world was coming - The economy will struggle regardless who’s in office. Even if Romney were elected, he would be blamed for the coming recession…and then blame it on Obama. Sound like a familiar story ;)  Regardless of who’s in office, and although there will be some law changes, it’s largely not up to them to help our economy. The responsibility is, and always has been, ours!

Let me explain further. Each of us has control over “our own economy.” Several years ago, I was actually struggling financially when everyone else seemed to prosper. I remember being so desperate at one point, that I went out on a bitterly cold late-November evening after midnight looking for change under drive-thru windows. On the other hand, I financially prospered during the “Great Recession.” I know what it’s like to have my own set of unique circumstances.

Each of us determine our own destiny, but have forgotten that it’s up to us, not some random politician. In the general economy, there will be times of recession and times of prosperity. The good news is that we can prosper during good times or bad because we have control over our own lives. If you feel like you don’t have control, I recommend finding ways to take it back. It might require more education. It might require starting a new business. It will definitely require a new way of thinking - that YOU are the hero of your story, NOT the victim. It’s YOUR life, not Obama’s or Romney’s. You, and you alone, are responsible for your life.

To sum it up, the good news is that this election will do nothing for your “personal economy.” The reality is that many people will be suffering financially over the next 4 years…or more. But it doesn’t have to be you. Your life and your prosperity is yours to control. As Russell Crowe’s character said in the movie “Cinderella Man” speaking about how the Great Depression affected his family, “At least in the ring, I know what’s hitting me.” Like Jimmy Braddock, you can’t control what’s happening in the world by yourself, but you can take control of YOUR life.

Join me as someone who is not going to give excuses, but will execute. Someone who will take responsibility and prosper when the rest of the world blames governments, their families, their upbringing, circumstances, and anything else but where the real problem lies. Let’s work together to make the next 4 years our best yet!

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Listen to learn how this tool can be the difference between living poorly off the government, running out of money, & losing your home, or keeping your home and living worry-free in retirement!

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Chris Miles and Dale Clarke unveil the #1 destroyer of all wealth in the world. It’s not the government, big business, your boss, or even aliens. It’s our scarcity beliefs!!! The good (and bad) news is that we are to blame and can overcome these limiting beliefs that destroy dreams and shape a negative reality.

Learn how scarcity could be causing you to not see money that’s available to you, costing you thousands of dollars in your business, and how you can change your life today! Listen to hear more!

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1. Commit to It!
2. Track Your Money
3. Use Easy Tools

Learn how you can get a better grip of your money, find more money each month, and take control of your financial life. Listen now!

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1. Track Your Money
2. Produce More Value
3. Consult with an Expert

Listen here to get more details about how you can start putting more money in your pocket today!

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1. The stock market averages 10%/yr
2. It’s okay because my employer matches
3. I just need to save 10% of my income

Learn what the reality is behind these myths and what can be done to make sure you don’t find out when it’s too late.

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After listening, what are your thoughts?

Learn from Chris Miles & Dale Clarke as they offer 7 tips to ensuring you have financial peace during the worst of times and the best of times. Financial freedom isn’t about how much money you have - it’s about how many options you have in case Plan A doesn’t work. Listen now!

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Chris Miles and Dale Clarke share a study how middle class workers were able to become millionaires while the rest of their colleagues didn’t, and how that can be applied today.

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Also, Chris Miles and Dale Clarke are finally revealing how they calculate the Cash Flow Index that has helped their clients free up money and pay off debt faster and safer than the more mainstream methods out there today. Listen how you can too!

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Chris Miles and Dale Clarke discuss the different types of life insurance out there and how it is essential to making a financial game plan work.

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Chris Miles and Dale Clarke explain what makes Fire Your Financial Adviser (and their company Money Ripples) different from all the rest, and why that is important for your financial prosperity. They discuss the 3 unique areas:

1. Creating/Finding Cash Flow Today
2. Focus on Investing in Yourself, Not Just Financial Products
3. Experience with Proven Results

To contact Chris or Dale, email info@moneyripples.com

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Chris Miles interviews Dale Clarke about the 3 Circles of Wealth and how that can help you create financial certainty and prosperity. The 3 Circles of Wealth are as follows:

3 Circles of Wealth
Circle 1: Personal Savings
Step 1- Set up “Wealth” / Savings account
Step 2- Debt paydown plan, CFI < 50 Pay it off quickly
Step 3- Build a 6-month reserve of savings
Circle 2: Insurance Savings
Circle 3: Dependable Investments

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But it’s not Facebook that concerns me. It’s everyone who wants to jump in based on rumors. Why are we so excited by gambling? Why do people let their emotions grow larger than their brains? Why do even respectable people get suckered? I even had a client that I questioned his investment in Facebook that refused to consider letting it go. In fact, contractually, he had to keep it for several months after it got on the market? Why do we do this?!

The fact remains that we violate principles whenever we gamble. We expect something for nothing. We think that we have better odds of success trying to roll the dice rather than spend the time, energy, and money investing in what really matters - our Soul Purpose and providing means to create value for others.

VALUE CREATION IS THE ONLY METHOD OF INVESTING THAT HAS EVER CONSISTENTLY WORKED!

Check out the Forbes list of richest people in the world, and you won’t see these gamblers who drift with the waves of the markets. You’ll see people that don’t diversify, invest for the short term as well as the long term, and focus on how they provide value to the extent that others want to exchange dollars for that value. Any other method has never stood the test of time. No financial product, by itself, has ever created financial freedom. So my question is this:

Are you focusing on creating value to ensure wealth, or are you gambling that you (or someone else) can second-guess the markets and get lucky?

Which one do you think will work?

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Chris Miles and Dale Clarke share what you need to do first BEFORE creating a budget, and how to do it simply. Listen now!

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Chris Miles and Dale Clarke dispel some of the myths about 401k’s and share some alternatives that could give you greater results than the traditional retirement plans. Listen now!

If you have specific questions on this topic, email info@moneyripples.com.

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Are you frustrated with how your money has grown (or not grown) over the last 10 years?

If you see virtually every article on this topic, they will tell you to calm down and ride the wave. Besides, you don’t want to get off the roller coaster when it gets exciting, would you? These article contributors will make it sound like you are on anti-depressants and can’t think for yourself because you’re too stupid to keep your emotions in check.

In reality, I think you’re smarter than they say you are. Using fear is a great way to keep their advertisers (investment firms and banks) happy. Despite this, you don’t want to make a mistake either. After all, you don’t want to get out when everyone says to stay in, do you? Shouldn’t we follow the herd and play it safe?

My own personal motto with any kind of investment or business deal is “When in doubt, stay out.”

However, I legally can’t tell you to buy or sell. Besides, it would be bad to tell you what to do without knowing who you are. But, I would have you consider a few things to help you make up your own mind.

1. Are you avoiding looking at what’s happening so you don’t stress out?
2. Do you have doubts about the future of the economy and government decisions?
3. Are you really passionate about the stock market, or do you just want to invest where you can create freedom and security?
4. Do you know what you’re doing in the market?
5. Does your financial advisor have any control of the markets, or are they just telling you to “trust them?“
6. What would you do if the market kept going down?
7. Why do Chris Miles and Dale Clarke laugh when the market tanks? =)

If you could answer these confidently (except for question #7), then you may be fine keeping your money there. If you had doubts about your investments, you may want to consider talking with a professional (hopefully someone who’s not paid to sell you products) to know what would be best for you. Ignoring what’s happening to your money is as bad as ignoring your spouse. Like in relationships, if you ignore them too long, you lose them. Don’t ignore and lose your money either!

If you want to learn ways to not only make money, but keep it, then I would recommend educating yourself further about the NEW RULES OF MONEY. If you like the gamble, that’s fine too. Go ahead and follow the herd, and let us know how it goes.

The good news is that Dale and I sleep well no matter what the news is saying. How have you been sleeping lately?

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are you tired of hearing it yet?

Would it be valuable if we tell you how to do it so you can create faster, more guaranteed wealth rather than asking you to just do it?  Would it be worth it if it was only one, simple strategy that WORKS EVERY TIME? If so, keep reading!

This is a tip I began applying while listening to the audio book AND reading and taking notes on the book, “Master Key to Riches” by Napoleon Hill. He wrote this about 25 years after writing “Think and Grow Rich.” However, this book helped me retire 5 years ago and I felt it was helpful to review again. I wasn’t disappointed!!!

This one principle inspired me to test it more intentionally and it has yielded great rewards. In fact, this easy strategy just made me $3,090 during a one-hour lunch yesterday…and I didn’t have to pay for the lunch! Alright, I’m done teasing you now =)

This simple, yet powerful principle is GOING THE EXTRA MILE!

Lately, I have found every reason to go the extra mile in my career, family, and other responsibilities, and every time it pays handsomely. However, to make this work, you must have faith enough to actually do it! Many feel they are taken advantage of by applying this principle. Some wonder if their efforts even go noticed. Heck, I began wondering the same thing yesterday morning and had to remind myself that it does. Ironically, 4 hours later, it paid off for me!

Another example of this in the book “Master Key to Riches” is the story of Charles Schwab. Charles Schwab worked for one of the wealthiest men of that time (around 1900), Andrew Carnegie.  Although Charles started as an entry level worker with little schooling or experience, he quickly worked his way to the top as president of Carnegie’s US Steel. According to Napoleon Hill’s interview with Carnegie, Schwab made it impossible for him to NOT promote him due to his “can do” attitude and his willingness to go the extra mile.

As president, he was paid a hefty salary of $75,000/yr. Now that may not sound like much, but as I researched inflation statistics, that would be the equivalent of about $1.95 Million/yr. How many of us wouldn’t mind a base salary of $1.95 Million/yr?

On top of that, Carnegie gave Schwab a bonus of  $1 Million! That’s equivalent to a $26 Million bonus!!!

The reason? Carnegie said that he gave Schwab $75,000/yr for the job he was hired to do. And the $1 Million bonus for everything else that he did. Was Schwab “lucky”, or did he do everything possible to create value and go the extra mile to ensure his own success by helping others succeed as well? I think you know the answer to that.

So here’s how to apply this correctly. You must….

1. Have a positive mental attitude KNOWING that it always works
2. Understand that there is an irrefutable law of compensation where “what you reap is what you sow”…good or bad.
3. Keep your eyes open for opportunities to serve others, even if it doesn’t seem to make you any money (This is what happened to me yesterday)
4. Don’t hesitate to apply your strengths and passions in a way that helps others, especially when it’s not expected.
5. Give your employer, customers, or anyone else every reason to return value to you by FIRST creating value for them. Always give more than what you are compensated for, and do it with a positive attitude.

Action Item - Go have fun going the extra mile, and COMMENT HERE how you have applied this principle to work in your life!

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In the real business world, the more we focus on our using our strengths, and allow others to use their strengths, towards a common objective, the wealthier we ALL become.

What do you offer and who can help you deliver it so you can become more financially wealthy?

Financial Assets

We are taught to save all of our money in a retirement plan and pay all of our debt off so that one day we can retire. The reality is most are not able to retire because this method is a slower, riskier way to achieve that goal. Most lose some of that money in the market or barely make a return over time. As you may have seen us illustrate before, paying off certain types of debt can actually cost you more than it saves you. Instead, what you can do is coordinate your assets to produce for you while still taking less risk. Many don’t even realize that they could free up at least $500-$1000/month just by making a few adjustments to how they use their assets and pay off their debts. Usually, what we see is someone who is so scared to touch their money in retirement accounts that they will lose more money outside of those accounts and never get ahead.

Human Assets

Most of us have the hardest time figuring this one out, even though it is usually why you have income today. In fact, many in financial trouble think that they just need to know what their Soul Purpose is before they can make money. This is completely false!!! How did you make money prior to learning more about your Soul Purpose? The same way everyone else has…you went to work using the human assets that you possess. You and I already know this “secret,” don’t we?

Dollars follow the value we create!

To earn (notice the word “earn”) more money, you need to offer a service and/or product that is valuable to someone else. That’s it! In fact, I guarantee that is how you got a job at some point. You gave them a resume of your experience and skills (aka Human Assets), and they hired you for a certain wage. You may have done something as simple as doing manual labor. I mowed lawns when I was 12. In fact, I was so obsessed about collecting baseball cards, I knew I had to make more money to buy more. Now that I think about it, I probably made more money during those years than when I was just paying for college. I knew what I wanted and then I worked for it.

If you want to “earn” more money, you have to get off your butt and do something! It’s so simple, most miss out on it! Thomas Edison said, “Opportunity is missed by most people because it is dressed in overalls and looks like work.”

Do whatever it takes to use your body, mind, experience, or any other skill or strength to provide real value for someone so they will want to pay you to have what you offer. In fact, if you really want to earn more money, do whatever it takes to become irreplaceable with your unique set of skills. In the meantime, start wherever you are and get to work!

Action Item

First, list your financial assets and your human assets and identify which ones are making you money right now. Keep using them! Second, list your underutilized assets and create an action plan to start capitalizing on those too. Then, listen to our podcast about how to make the Law of Attraction work. Remember, start doing something, and start doing it right now!

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Warren Buffett is currently the wealthiest investor & business owner in the world (depending on the value of his and Bill Gates’ companies). One of our mentors, Rick Sapio, interviewed Mr. Buffett for 40 minutes. There was statement made that stuck with Rick to this day. It is one of the biggest reasons why most never achieve financial freedom, greater health, or fulfilling relationships. It keeps us busy, but never attaining the results that we really want. In fact, by just implementing this one idea in your business, your money, and your life, it would transform the results you have seen up until this point!

Warren Buffett said this….

“The difference between those that are successful and those that are ultra-successful is that extremely successful people say ‘No’ to almost everything.”

Just saying “No” applies to a lot more than just drugs! Think about it. Have you ever over-committed to something? Have you ever said “yes” to too many things? Have you ever felt like you are running around with your head cut off? Sure, we all have! This is why Warren Buffett tells you that diversification is for those who don’t know what they are doing.

Focus is the key to seeing extraordinary results. This is why multi-tasking really doesn’t beat out focusing on one project at a time. Many go bankrupt or severely in debt because they tried to take on too many investments or projects. Those that try to implement a business idea, and then jump to another because they haven’t seen any results in a month or two, usually will never see results no matter what they do. You may know some of these people, and they drive you nuts! Well, let’s make sure we’re not one of them.

Here are some questions that will help you say “No” to the many wrong opportunities and “Yes” to the few right ones.

1. Do I have sufficient knowledge or expertise about this investment or business?
2. If money were no longer an issue for me, would I still do it?
3. What other reasons, other than rate of return, would I invest in this?
4. Would this distract me from being successful with my other investments or businesses?

Use these questions to guide your decision making and ensure you focus your energies towards the right activities to being “ultra-successful.” For further discussion on this, comment on your experiences with this and listen to our previous podcast, “The Power to Say NO.”

They would all ask, “Chris, we know that what you teach works better, but (notice it followed by a “but”) we aren’t sure what it will eventually equate to be. What do you think?”

My honest reply was, “I really don’t know. My crystal ball is broken. I could tell you what it could likely be, but I might be limiting your expectations or you may not be alive to see the bigger results. This is why we focus on generating more cash flow TODAY rather than 15-30 years from now.” Let me explain more what I mean.

Traditional Planning Model

This brings back painful memories, but it is useful to understand =) If I were a traditional planner again, and you sat down with me, I would pull out my fancy little financial calculator to “predict” your life.

Let’s say you are 50 years old, have $80,000 to work with for your retirement, and you are currently putting away $600/month. I would “assume” that you would earn 8% average in a mutual fund. I remind you that past returns does not guarantee future results. (See our video on how traditional planning can manipulate figures.)

If you were to retire in 15 years and everything worked out perfectly, you would have $457,640. To some, this would sound like a good deal of money. However, traditional planning will tell you to live off the interest (Listen to our podcast as to why they say this).

Therefore, to be “conservative” in our figures, I would suggest that you “plan” on living off of 5% of the balance each year. In this example, this would be $22,882/yr.

How many of you could live off of that? You could live off of more, but now you risk running out of money before you pass away.

But wait! A really good planner will account for inflation at 4%. Naturally, in 15 years, it is very likely that you will have to have more to live on. Your purchasing power is now only worth $254,111! That would be like living on $12,700/yr. today!

Note: the REAL inflation rate is much more. Listen how!

This was the dilema I was caught in that caused me to question if this really worked. To have at least a $50,000/yr lifestyle, you would have to put away at least $5000/month in this example! Pocket change, right? Sense the sarcasm? You could work an extra 10 years to age 75, and then “only” have to put away $2500/month…as long as inflation stays down and you actually get 8% average (which many haven’t).

Recommendations from a truthful financial plan? Live on less income, get a 2nd job, and put away more!

Our Model

Our answer? Live your appropriate lifestyle and create more cash flow TODAY thru better use of your money! Although it’s not mainstream, it’s simpler and more attainable.

For example, last week I showed one of my coaching members how to free up at least another $15,000 or more this year by using their money more effectively without having to spend more money! On top of that, as we show people how to leverage their human capital by coordinating it with their money, they realize that having a $50,000/yr. lifestyle is not as hard as they thought. This is the same thing I did to do it with virtually no financial capital and only investing a few hours of each week.

It doesn’t take a lot of money to make money, only simple creativity!!!

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Well, I’m here to finally answer this question so you can be clear on what would be RIGHT FOR YOU, rather than what some financial salesman tells (or sells) you. The short answer to this question is to get educated on what else is out there from someone who isn’t trying to sell you a specific financial product, and then focus your efforts to offering the greatest amount of value to others where they are willing to exchange money with you. However, if you want to find out some more specifics, listen to my response now!

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Do you ever ask yourself, “Why would people pay me so much for doing something that I would practically do for free? How can I get others to be on board with what I am passionate about so I can not survive living paycheck to paycheck, but thrive in any economy?” Imagine what your life would look like when you could do what you love each day and get highly compensated for it.

Chris Miles teaches the secrets that have worked for him, and many others that he has coached, and what didn’t work. Even though these simple tips may seem obvious, they are still elusive to many people out there right now. Listen to learn what really works, and what only makes you work hard to get little or no results!

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The first question to ask about whether you should be in the stock market now or to bail out before it’s too late is:

“If money were no longer an issue in my finances, would I still want to be in the stock market?”

Your answer will vary based on how you answer this question. Listen to my reply to both responses and what I predict the stock markets will do over the next few years.

*As a reminder, to cover my “you know what,” I am not recommending any specific investments or strategies. I am merely presenting information that will help you get more clear.

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Are you confused because you don’t know who to trust because your financial adviser makes money even when you don’t?

Are you unsure where you should be invested? If so, you’re right to feel that way!

So many times I hear people express their frustration telling me “I’m frustrated because I’m losing money in my investments and I don’t know what to do or who to trust!” To that, my response is “Good! You should be!” It’s better to have that happen now than to have it happen to you when it’s too late.

For example, if your child were to go to a casino to gamble, would you prefer them to win their first time where they feel they have that “lucky touch,” or would you rather have them lose the first time to understand the consequences of gambling their money away? Personally, I would hope my kids wouldn’t gamble in the first place, but if they did, I would want them to fall flat on their face.

With investing, people think they’re financial adviser, or themselves, are brilliant when they make money, but then when it goes down, they want to blame the adviser or someone else. Here’s the reality: You can’t gamble your way to wealth, and your financial advisers are just nicely-dressed gamblers! They can’t perfectly predict the stock market any more than you can know exactly what will happen to you next week. The only thing guaranteed is the fact that your adviser will get paid for managing your money, regardless of the results.

The Solution: Stop trusting financial advisers that get paid to gamble it for you, and learn to control your own finances. There is a previous podcast about the best investment in today’s economy that can offer a deeper perspective on what might be right for you. The good news is that we are not going to sell you any investment. Education will make you a lot more money than ignorance.

Fire your financial adviser if they are telling you to be in it for the long haul, they tell you to buy when the market is high or low, and only invest in what they sell. Why have them gamble with your money, retirement plans, potential lifestyle, and financial freedom? Hire those that practice what they preach and believe that you shouldn’t take high risks to get high returns.

What are some of your frustrations with the financial planning advice you have received?

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Chris Miles and Dale Clarke discuss how you can improve your credit score quickly so you can take advantage of lower interest rates and free up more cash flow right now. Also learn what Chris Miles did to be able to increase his credit score by 200 points in 2 years! Listen to learn how.

Please comment if you have had other successful ways to improve your credit score that could help others that listen to this, or if you have specific questions on this topic.

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Chris Miles and Dale Clarke offer some easy tips you can start on to help you qualify for a business loan, or any loan, much faster in this economy than if you tried to do it the “old way.”

What are some of the things you have done to get loans too?

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Chris Miles and Dale Clarke discuss what they have done to have greater cash flow now than when the economy was booming, what myths that many people believe that keep them living paycheck to paycheck, and how you can easily start getting cash back into your pocket today!

What things have you done for yourself to have more cash flow in a recession?

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Chris Miles and Dale Clarke expose how financial advisers are costing you your retirement and your ability to have the life you dream of today. Learn a few fast questions to easily know if you have the right adviser or the expensive adviser, and which ones can help you create wealth today, rather than wishing for retirement someday.

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Learn from Chris Miles “The Anti-Financial Adviser” how you can easily turn this ideal situation into reality and avoid the traps that usually keep people from ever making this work.

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Chris Miles and Dale Clarke describe how to know which of your debts will be productive for you, and which ones are consumptive or destructive and could lead to financial ruin. Using traditional financial advice could be the difference between your financial freedom and financial bondage the rest of your life. Learn how to identify this fine line between good and bad debt!

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Do you ever feel like there is too much month at the end of the money?

Would it be worthwhile if you could free up money now and not necessarily have to live cheap, using resources already at your disposal?

Below for some simple tips that can forever change your financial situation starting today!

Secret #1 - Track It! One of the biggest reasons that some people lose money each month is because they aren’t tracking how much is coming in and how much is going out due to fear of reality. In fact, I had one client that took weeks before she finally decided to track her income and expenses with our FREE tracker, only to free up almost $5000 each month because she began tracking how much she would spend on eating out! The truth shall set you free!

Secret #2 - Produce! You can only reduce expenses so far. One option that has limitless potential is find ways to increase your income by increasing avenues for creating value for others that would merit receiving money in return. The beautiful part of this is that it does not need to require more time from you, but more creativity around how you are able to give others what they want so that you can get what you want.

Secret #3 - Save on Taxes! Although I support paying taxes, I believe you should only pay what is required. Ignorance is often one of the costliest problems. If you keep getting a tax return each year, you are overpaying every paycheck. For example, if you get back a return of $6000, you overpaid, on average $500/month!!!

• Bonus Tip - Turn your hobby or part-time work into a business. By setting up the right corporation(s), you could save even more on taxes than you are now! If you already have a business, you may consider getting a 2nd opinion on your tax structuring.

Secret #4 - Refinance Loans! Put your credit to good use. By merely refinancing or consolidating your loans (debts), you could free up money each month without spending a dime! To have better peace of mind, get the smallest minimum payment possible, and then you can choose whether you want to keep making the old payment to pay it down faster.

Secret #5 - Stop Retirement Contributions! Some people feel they have to put money away into retirement accounts for “someday” but ignore how they can have a great rate of return that could free up hundreds of dollars each month! Have you ever noticed that some people will insist on putting money into a retirement account that may lose money, but not pay off a 13% credit card that would immediately give them more cash to put in their retirement accounts each month anyway? What makes sense to you?

Secret #6 - Pay Minimums on Loans! Certain people will try to pay a little extra to each loan every month. This is likely costing them THOUSANDS of dollars! Instead, pay all those extra payments to one loan at a time. Warning - Don’t always pay the highest interest rate first. You could lose thousands of dollars in interest by buying into that myth. Remember to consider that cash flow creates freedom.

Secret #7 - Sell Assets Do you ever feel the need to simplify your life? Is your spouse bugging you to clean out your garage? If you aren’t using it, sell it! Don’t have a gym membership only to show off the key chain. Don’t keep certain tools or furniture because you “might use it someday.” Get rid of it! My wife and I cleaned out our garage last year and we made about $2000 AND I could park my car!

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*Results mentioned above are not always typical and can vary for each person

Dale Clarke interviews Mike Hodge (The Captain) about how to be the “captain” of your life by being confident and not fearful of making mistakes. By making mistakes, you can increase your confidence to move forward and take greater control & power in your own life. Listen now to learn from two “aerodynamic individuals” the secrets to creating success fast!

To learn more about Mike Hodge and the “Captain Code,” visit his site.

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The solution is so simple, that you may question if it works. The fact is that most of our most elusive answers are staring us right in the face, but are often missed because we try to think too hard. My counsel is to relax and ask yourself one powerful question.

“What question(s) are people asking me when they say ‘Can I pick your brain for a minute?’”

Think back. Have you ever had someone ask you about how you did something? When people kept asking me how I was able to “get out of the rat race” within a few months, I decided that I needed to share those secrets.

Do you have a certain skill where someone said “Can you teach me that?” Or, have you overcame a certain experience, such as death of a loved one, divorce, financial ruin, raising children, passed a training, etc? Sometimes, we discredit our own uniqueness because “it’s just our life.” However, there are others that have questions or problems that want answers that YOU can offer.

One thing you can count on is that no one has quite had the life that you had. Look for some experiences in your life that taught you a lesson or skill, even if only used that one time. For example, most people don’t know that I was one of the nation’s top amateur ballroom dancers, or that I made it to a playoff round of “Who Wants to Be a Millionaire” in 2000 (Unfortunately, I never got on the show). There are certain questions I can answer, beyond financial questions, that most can’t.

In summary, ask yourself the following questions.

1. What was I being asked to teach or do when someone asked “Can I pick your brain for a minute?”
2. What skill/hobby did a person ask me to teach them?
3. What difficult experiences did I overcome?
4. What do I constantly get compliments on that I downplay?
5. What “quirky” things do I do?

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To get FREE tips to create financial freedom for yourself, subscribe for our weekly money tips!

To get FREE tips to create financial freedom in your own life, subscribe for our weekly money tips!

Also, subscribe to our FREE weekly money tips to know how to take action on these principles!

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1. Perspective

2. Purpose

3. Plan

4. Production

5. Progression

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