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frugal2free

frugal2free

By Ryan Davis
I’ll teach you to make more money and spend less while enjoying an abundant life. Learn from an MBA, husband, and father of four.
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4 Billion From A Bezos?
Some financial pillars are earning, spending, investing, saving and donating. Why should we donate or give to charities? Lauren Powell jobs gave $100 million to revamp education. Mackenzie Bezos gave $4 billion in the last few months to food banks and emergency relief. Bill Gates and Warren Buffett have given billions to change the world. Willard Marriott and John Huntsman Sr. gave consistently millions of dollars every year to lift others. Should you give? Yes. And often. And until it hurts.
08:21
January 23, 2021
Thrifty Spartan
The Spartans were people a few words and they can lead us and being people of few cost and great appreciation. Thrift is a noble word and a key to financial prowess.
06:04
January 19, 2021
The Four Laws of Debt Free Prosperity
In today's podcast I talk about four lessons for debt free prosperity. Learn about the four t's: trimming, tracking training and targeting. The lessons come from a remarkable short book. The best way to become financially independent is to daily track your expenses know what your goals are, and constantly trim your expenses while you gain more financial intelligence.
09:07
January 9, 2021
Warren Buffett Wealth
There are a number of books out there about Warren buffett. Today I'll cover what I've learned from a few of my favorite books about Warren Buffett. What role does emotion play in investing? What's the difference between price and value? Should you buy a company because you want the stock to go up or because you like the company? How much cash does Warren Buffett keep on hand in case of an emergency? Should you buy a business with major problems?
06:23
December 26, 2020
My Top 24
Best Books For Growing Wealth & Businesses 1. Your Money or Your Life 2. Warren Buffett Speaks 3. The Behavior Gap 4. Rich Dad Poor Dad 5. Total Money Makeover 6. The Recovering Spender 7. The Richest Man In Babylon 8. Think and Grow Rich 9. Cash Flow Quadrant 10. The One Page Financial Plan 11. The 4 Hour Work Week 12. Security Analysis 13. Common Stocks and Uncommon Profits 14. The $100 Startup 15. Warren Buffett Wealth 16. One Minute Millionaire 17. Millionaire Mind 18. The 7 Day Startup 19. The 5 Lessons A Millionaire Taught Me 20. Killing Sacred Cows 21. All The Money In The World 22. Meet The Frugal Woods 23. YNAB 24. Any Jane Bryant Quinn books
06:00
December 19, 2020
Stacking The Decks? Owning All The Decks
In this episode we talk about when a medical procedure may be negotiated, how to negotiate for the best deals with cash or an insurance, as well as how to find the perfect make and model of car that you want. Also discover the pertinent questions for a refinance or purchase for your home.
05:06
December 13, 2020
The Reluctant Multi-Millionaire
A new multi-millionaire told me she discovered money isn't a curse to be handled but rather a great gift to bless others. She no longer thinks of riches and spirituality as incompatible and mutually exclusive but rather as a unified inclusive whole. Her money lifts others up. It's a resource to rescue and redeem.
05:37
December 6, 2020
These Things I Can Do Without
In today's episode I discuss about 50 things that are no longer important to me. Because of the book The 100 Thing Challenge, I've decided to focus on what matters most by stripping away the extraneous things.
04:52
November 29, 2020
Warren Buffett & Larry H. Miller
Young Warren Buffett invested in pinball machines! And then he went on to invest in land. It wasn't until much later that he was investing in stocks and businesses. Young Larry H. Miller invested in car dealerships, restaurants, and movie theaters. His 27 million dollar investment in the Utah jazz turned into a 1.6 billion return 30 years later. In today's episode learn lessons from these masters of finance.
07:48
November 21, 2020
Turn Back Time: Preparing For The Future
Whether it's Covid-19, loss of a job, health issues or a myriad of other challenges, preparation and trust in God are two foundational principles that yield huge results. In today's episode learn what my family has done and will do to best prepare for Covid-19 and other difficulties.
07:42
November 14, 2020
Time & Money Multiplication
What's the difference between Kairos and Chronos? Would you rather have more and more fields or herds and flocks? What kind of results do you get when you invest in an employee? Should you collaborate with your spouse before or after purchases? In today's episode learn the difference between Kairos and Chronos, investing in investments or money drains and begin doing the most important things not just doing things right.
06:40
November 8, 2020
Average HH Spends 30k on Two Things
The average American household makes about $70,000 per year. Yet this typical family spends $30,000 a year on mortgages and car payments! If you simply spent half of what a typical family does on these two purchases, you would have an extra $15,000 a year to spend on your dreams, values, family, and experiences! Learn how to do just that in today's episode.
06:14
October 31, 2020
Gamifiying Debt Destruction: Lessons From Minecraft & Mario
Think of your favorite video game, and what comes to mind? Of course you always know the score of your favorite game, you enjoy it and you often like to play it with friends. Furthermore you love to study the game and learn the hacks and the tips so that you can master it. What if you apply the same techniques and tips to your personal finances? Debt destruction can become a game that you absolutely thrill to play!
07:05
October 24, 2020
Purple Beds and Vibrams
Tell me what you would spend really good money on in your house? Are there certain things that are worth a really good investment? For me it might start with a Purple bed, or the Bosch dishwasher but it doesn't end there. I'd go on to invest money in a great family picture and shoes that heal my feet naturally.
05:21
October 20, 2020
What Bernie Missed
Do you remember Bernie Madoff? You might remember him as the man who ran a Ponzi scheme back in New York City for decades. He stole money from hundreds of people. Was he successful because he had money, friends, political clout, and influence,? Bernie lacked the biggest asset available! He didn't have the love of God and Mankind. Money without values and morals is like sex without intimacy and love. Or like faith without God.
05:43
October 11, 2020
No Cost Is Better Than Low Cost
We may oftentimes get stuck in a perpetual pattern of lowering our cost. But there is something better than continually optimizing and reiterating. Elimination of an expense is the best way to keep expenses low. Sure maximize your favorite things and experiences, but eliminating many of your wants and needs is a sure way to ensure you have plenty of money for the things that you enjoy.
06:10
October 3, 2020
Eggs In A Basket & Redundancy
What's your night gig? Can you make38 money in the gig economy? And are you stuck with one customer? One product? Build a backup revenue stream or two with a few of these ideas or some of your own. More money can help you solve most financial problems if combined with money smarts.
05:21
September 27, 2020
Guerrilla Finances
The Vietnamese used guerrilla warfare and had massive success against American forces. In finances, using gorilla tactics means increasing your assets with little cost, hacking your way to bargains luxury and comfort.
08:00
September 18, 2020
Acquisition, Maintenance & Disposal Costs
Maybe it was my time at the landfill with my wife, or maybe it was getting rid of a bunch of furniture and electronics in a couple offices, but I've been thinking a lot about what it the true cost of acquiring, maintaining and disposing of possessions is. Why not rent? Do we have to buy everything? Or anything?
07:20
September 12, 2020
No More Scrooge, No More Misers
Cheap is dirty, unclean and selfish. Frugal is selfless Frugal creates value Cheap exploits people and takes value. Frugality lifts others, taking advantage of bargains not people Frugality is abundance, not scarcity. Frugality may  upgrade, beautify or enjoy classic style for many years. Cheap is miserly. Frugal is philanthropic, and a humanitarian. Frugality seeks more for all not less. Its Redemption not just salvation. Creating more not preserving the status quo.
05:30
September 5, 2020
Stephen St. Amant's Assets & Free Solar
Stephen St. Amant asks some excellent question about assets: What can you use, rent, or borrow? Where do you have access? What can you have if you just ask? * * * At times, we have what we need (or we can get it) but we’ve convinced ourselves that a few critical elements are still missing. But that might not be true. We might have enough. More than enough, even. So what’s holding you back?
05:51
August 27, 2020
Investing In Tesla & PotatoBois
PotatoBois (https://youtu.be/_3moPvU_OMo) is a YouTube channel that my son and 2 of his friends started. It doesn't make a lot of money right now but it's one way he's creating residual income. And would you think the Davis family did when they heard about Tesla offering 4 pieces of stock for every 1 piece of current stock? We talked about it over dinner and decided to invest a little. Family dinner time can be one of the best places to not only learn about investments but to invest in your number one asset and your most enduring asset-your family.
05:53
August 21, 2020
For Freeeee?
Is anything truly free? Yes. Generous people share freely. Learn about how a kid received a free lawn mower, why free is possible and who is in charge of all that is free.
06:20
August 15, 2020
Bargains Because Of Constraints: The $50 Pool Table
Bargains, bargains, bargains! Melissa wanted a pool table. And so did I. So we set a constraint, we would only spend $50. And I found a way to make a few extra dollars. Then we went to look on the classifieds for a bargain. And that's exactly what we found because we set constraints and earned some extra money.
06:09
August 6, 2020
FPU & YNAB: Why I Love Them
Jesse over at YNAB taught me some amazing things in his Podcast. I can't recommend it enough. And of course you know I love Dave Ramsey and one of his best resources is Financial Peace University. As Melissa and I attended Financial Peace University, we learned some great basics and built a solid foundation for financial success.
05:22
August 1, 2020
What's The Language of Financial Independence?
I heard it said that there's something called fuzzy math. There is no such thing as fuzzy math, because if it's fuzzy for you it's very clear for others. And when it comes to being financially independent you must know the math. Just like a sports junkie knows all the statistics for shooting and scoring, you should know the statistics of your expenses, your equity, your income and outgo.
05:50
July 24, 2020
Income #1? No Mr. Ramsey
Recently I saw some things on social media that got me thinking a little bit. Dave Ramsey mentioned that your income is your most important financial tool. I immediately questioned this in my mind. No I don't think income our most important tool. Our financial intelligence is even more important than our income, our credit score or our family history or anything else that can happen to us.
06:45
July 18, 2020
An RV Full Of Cash & Clocks
Whether you buy mutual funds or start your own business it's imperative to learn how to run a business successfully. I ran into a gentleman who taught me some fine points about running your own business. He not only made money during COVID 19 and before, but he also put together systems that allowed him to be away from his business for 2 months and still have a good return on investment.
05:37
July 10, 2020
$10,000 Yard For 1/2; Free Forgotten Money
I couldn't believe the article I read about lost money in the state of Utah. I checked out the link and found out that I had 300 bucks unclaimed.. And when my wife and I wanted to improve our yard, we thought it would cost about $10,000, but we were pleasantly surprised to pay half that and to do it in cash.
06:25
July 2, 2020
Rich College Kids & Acing The ACT
In today's episode discover how your kids can go to college virtually free. Find out how to help them ace the ACT, and become truly independent.
06:23
June 25, 2020
Free Concerts & Sports & Try Before Buy
Two tips today on how to see Dave Ramsey for free, go to any concert, attend plays and enjoy any sporting event for free. Also how to avoid buyer's remorse by trying before buying.
06:55
June 20, 2020
The Math Teacher Meets A Multi-Millionaire
Deejays who make $25,000 a summer working only two days a week and 50k teaching school. Consultants who make $105 an hour. How you can increase your income doing what you already do.
05:58
June 12, 2020
Dave Says Act Your Wage, Robert Says Cashflow 101
Learn about Income Statements and Balance Sheets and what games teach financial Intelligence in a fun way.
06:34
June 5, 2020
The 17 Year Old With 30 Kicks & Infinite Returns
Learn about the kid who has an infinite return on investment with 30 pairs of shoes. And also learn about how to rent more and buy less including boats, ATV's, RV's, movies, and music. And what are some frugal finds on Amazon? Or how about trading in goods on Amazon to cut your future expenses? Have you heard about the idea to improve your furniture with very little cost? And how about getting paid to cut your water bill?
07:07
May 28, 2020
MacGyver Goes Appliance Shopping
I found MacGyver! Unbeknownst to me I have a friend who can fix pretty much anything! On a recent visit he told me about several fixes he's completed on appliances and furniture throughout his house. Just as impressive is the deals he gets on appliances. He bought a $60 dishwasher that needed a $20 repair. And he scored a $3500 double oven for only $200. Or how about his clothes dryer that he got for 50 bucks? Craig's list, patient searching and a willingness to drive are a few of his secrets.
05:53
May 20, 2020
The $50,000 Yard Sale Man
A man reached his income limit at work. His solution? Buy items at yard sales and sell them on EBay. Now he makes $50,000 a year part time and in addition to his day job.
06:04
May 13, 2020
Diderot Effect: Tools Of Tools
Henry David Thoreau talked about having tools of tools. By buying one thing we often need to buy another thing and another thing to take care of it. What if you lived simplistically and thankfully? What if you learned to counteract the Diderot Effect: buy a robe and then a chair then a desk and then a table? Getting long lasting and self cleaning and self maintaining items can save you a lot of time and money. Discover some of the best ways to save time and money in this episode
06:45
May 8, 2020
$5 Book Bribes and Nada For Chores
Raising children can be very difficult. That's why Melissa and I decided that we wouldn't enable our children by giving them allowances for chores that are part of the normal expectations of running a household. But we did decide to give them money for reading books that are transformational and powerful. And we felt it a great idea to help them start and improve their own businesses.
05:51
May 1, 2020
A Free Prius, And A Free Bed
I love bargains and I love high quality. But even better than good bargains and good prices is free. I met a gentleman the other day who taught me how to parlay one free car into two free cars. And while he was telling the story he was picking up a free bed. Having good connections and also making sure that you're searching for free items are two wonderful ways to live within a budget and have plenty of extra.
05:47
April 24, 2020
6 Minutes To Live
With 6 minutes to live if my kids wanted me to tell them everything I knew about finances this would be it. I would tell them about legacy, and about stewardship and about using money to help others. I'd each them what to work hard for and how to pivot before they nedd to.
06:48
April 17, 2020
3X Internet Speed At 10% Off
Anyone that knows Melissa knows that she knows how to get good deals. So when my wife heard some of our children mentioning how slow our Internet connection was, she didn't just tell them to deal with it, she decided to do some homework. She studied the options of our current Internet provider and found out that their offers to new customers were better than our current offer. She then negotiated with a sales person to get 3 times faster Internet at 10% off of our current cost.
05:20
April 9, 2020
Disagreeing With Dave
I love Dave Ramsey! My wife Melissa and I have had an opportunity meet him a couple times. He teaches so many good things. We've loved his books his seminars and his recorded teachings. There is one point that I disagree with though. On every purchase whether it be a service or product you and your spouse should ask does the warranty make sense? I don't believe that we should always get a warranty nor should we never get a warranty. Sometimes warranties will save you many dollars in the long run. Look for value in warranties on high cost items. Some of these items include refrigerators, dishwashers, flooring, and other high end electronics.
07:35
April 2, 2020
5 Frugal Tips For Now
See what I have been thinking about over the last few weeks. I've come up with a few tips and tricks on how to be more frugal and have more freedom with your finances. In today's episode you'll learn about frugal options for sports and activity, actual cost value versus replacement cost, what dinners at home really save you, and how to turn your children into assets.
07:23
March 26, 2020
When To Refi? Or Buy
When looking to refinance or buy a house you may want to consider not only interest rates and payments but also principle or capital. Additionally your loan officer and where you get the loan from are vital components to make sure you get a good long term deal.
06:51
March 20, 2020
Fix It Up, Make It Do, Or Do Without
Living within our means is not easy but it's totally possible if we think of the phrase fix it up make it do or do without. It's not OK just to finance when we can't afford something. Resourcefulness and gratitude demands that we find a way to make what we currently have work or do without. We shouldn't be so quick to rush to purchase something brand new so as the fix a problem. Buying new simply adds a payment to the problem and brand new things DO break down and often cost more to fix then used items.
06:48
March 11, 2020
Preppers For Emergencies
Plop
05:53
March 5, 2020
The 4 Hour Work Project: Projects Not Hours
Do you work too much? Not a big fan of micromanagers? Track your accomplishments and you'll never track hours again.
03:45
February 28, 2020
Six Experts: Get Help Improving Your Net Worth & Income
Investors, travel hackers, spiritual gurus, psychologists, family experts, and repair persons are best found through asking wonderful questions. The 6 gurus can help you make more money preserve your money and help you with your emotional and spiritual health.
06:53
February 20, 2020
Financial Truths, Financial Lies: FI>Money; Gap Insurance, Equity>payments
Are there really people out there trying to take your money? Of course there are. They offer products such as gap in surance, lotteries, low monthly payments, and the offer of more money and less intelligence. In today's episode learn how to be more financially intelligent so your not taken for a ride.
06:30
February 13, 2020
Yin and Yang Finances
Who's got the best financial ideas? Men? Or women? The answer is.... they come up with better ideas together than separately. Talk daily amongst yourselves to find solutions, to find opportunities and to prevent instead of repent. To prepare instead of repair.
04:35
February 6, 2020
Spending To Create Wealth
The founder of IDEO, David Kelley, me that the best way to create wealth is to spend wisely. Often we spend money to consume products and experiences. But the best way to use our expenses is to create wealth. So how can we create wealth by spending money? Listen to today's episode.
06:05
January 30, 2020
A $5,400 Toothache: Question Experts Early
Have you ever been taken to the cleaners? Paid so much stinkin' money that you're so frustrated that you've overpaid? I have met some people recently that overpaid in a major sort of way. In today's episode learn how to question experts early and often so you can avoid complaining often and loud.
06:23
January 25, 2020
The $1,200 VS $70 Mechanic
Sometimes you have to pay a truckload of money to fix a vehicle. Sometimes you don't. What principles create abundance? Keeping emotions in check while prayerfully pursuing discussion and referrals.
07:31
January 18, 2020
BMX, Geos and A Hotel: Cost>Price
In this episode I share stories from my life about how I have sometimes valued price more so than cost. Cost is figured by the time and emotions and money we give to any item over time; not just at initial purchase. What's more important than being cheap is being frugal: using our time and money to buy high quality items that enhance relationships.
06:20
January 8, 2020
There's Always A Way: Professor Mike's Tips
One of my best friends, Mike, shared with me his philosophies about finances. He taught me that there's always a way and everything is negotiable. He shared experiences about graduate students who had options to go on to graduate school and others who didn't have options; they had only an option. How do you negotiate yourself into graduate school with money to boot? Or how do you get shoes at a discount? Learn more in today's episode.
06:07
January 5, 2020
Finding Remote, High-Paying Work
So what does it take to be able to find a remote, high paying job? Might I suggest submitting several applications every month, uploading your resume on 3 to 5 of the top job boards? You might also want to consider uploading only the best resume showcasing your top talents and who you really are. Usually you can get a high quality resume of yours uploaded on the top sites for free.
09:11
December 30, 2019
The Home Depot Investor With A Bored Wife
Investing is not about luck, timing or magic. It's about buying high quality companies (great leadership and customer centric) for a low to moderate price. Just because a stock is low doesn't mean its bound to increase. Pan Am didn't rebound. Nor did Enron/Circuit City/MCI/Motorolla. Financial Intelligence + patience>lucky guesses.
06:30
December 21, 2019
Little Puppies, Big Profit
Bear, White Lightning and Credit were a few of my childhood dogs. I loved their companionship. And their independence. White Lightning raced our bus in the morning and often won for the first 40 yards or so. I raised Credit for the seeing eye foundation yet he ended up as a bomb sniffer in NYC. He often pulled me down the street when I tried to take him for walks. So when our children wanted a dog, Melissa and I discussed breeds, temperament, purpose, allergies, cost, longevity, etc. A Goldendoodle named Lucille (Lucy) was the best fit for our family because we wanted an athletic, smart, healthy, cuddelable puppy. We also knew we wanted to eventually breed her and so we researched top health certifications and pedigrees to ensure she met every health test. We paid nearly $1,000 for Lucy. The result? She's been a delight for our family. She cuddles, and plays and is intelligent. And when we sold 7 of her puppies we netted over $3,500 after her cost and all other expenses. We even kept one of her puppies, a Double Doodle named Mozzie (Mozart). When she has more puppies in a few months, we will sell them to wonderful families who want cuddles, love and energy. Opportunities are everywhere. What will you see? Research + Discuss + Invest = $
05:14
December 14, 2019
BAM: 3 Steps To Halt Hackers
Getting your identity stolen, or having someone steal your credit card information or anything else where they have taken advantage of you financially can be very frustrating. In today's episode I share 3 tips and what my wife and I have used to help halt hackers.
05:46
December 5, 2019
$40,000 Escape Room With Failing Physicians
How about making a product that is so cheap that when it's sold the profit is nearly infinite? Would you invest $40000 if he knew you could make $60000 every year for the rest of your life?
06:21
November 28, 2019
Do Your Wisdom Teeth Earn Money?
It's easy to pay a few hundred dollars to get your wisdom teeth removed. But have you ever heard someone make a few hundred dollars getting their wisdom teeth removed? That's exactly what happened when my wife decided do her due diligence by finding a deal for my son's wisdom teeth to be removed.
05:41
November 18, 2019
Daily Disciplines Done Dirt Cheap
Are the things that you can do each day they will cause peace and contentment for your soul and allow you more joy? What are the things that done daily would cause great happiness in your life? In this episode I share many little things that cost little to no money but bring immense joy.
05:46
November 14, 2019
Oh The Terror: Collections, Judgements & Liens
Have you ever had to deal with collections judgments or liens? Many of us at one time in our life or another have had to deal with collectors. Today's episode goes through some ideas to help you or others struggling with collections, judgments and liens.
08:05
November 8, 2019
Your Complete Financial Checkup
What if you and your spouse knew your income, your outgo, your weaknesses, deficiencies, as well as what to do to make more money, spend less money eliminate debt, and decrease expenses? In today's episode we do a complete financial check up to see what you can do to improve your finances.
05:44
October 31, 2019
Low To No Healthcare Costs: Prevention Not Intervention
Arguably one of the top expenses we have in life is healthcare. Preventative medicine, diet's, and surgeries cost thousands and even sometimes tens of thousands of dollars a year. Today I share best practices for sleep and eating to avoid large medical costs.
07:22
October 31, 2019
Establishing & Elevating Your Credit Score
What if you had a bankruptcy? Or maybe you're just getting credit for the very first time? How about getting your credit score way up so you qualify for home or perhaps get lower interest rates on your insurance or just may be get into an apartment? In today's episode I'll share tips and tricks on how to get a credit score from 450 or 600 points clear up to well over 700 or 800 points. After all there are 3 main ways to increase your credit score and establish a credit score. 1. how many open lines of credit do you have? 2. how much revolving credit do you have? And 3. how quickly do you pay off your debts?
05:34
October 19, 2019
What An Eskimo Wants: Sales Tips For More Money
We've all had those really tough times when we were hard pressed to make ends meet. So what can you do to build and have more money? Learn to sell. Just saying it is going to make some people freak out. But selling; truly helping other people is one of the best ways to earn some extra money and build your family finances. In this episode learn how to sell often, to care about people, do research on similar products and to find out what customers want.
07:25
October 10, 2019
Barnacle Busting: Content With Divinity
Do you have so many things, experiences and stuff in your life that you have affluenza? Get rid of stuff and focus on the good things that matter in life.
04:57
October 3, 2019
Ensuring Your Insurance Insures
When it comes to insurance there's a lot of opinions. Many will tell you to get a high deductible or get rid of your agent, but what really matters most when it comes to insurance? In today's episode learn from nearly a decade of experience in the insurance world working with over 800 people.
06:12
September 28, 2019
The Dodgers, A Giant and Thriftiness
What does a Corvette, the Los Angeles Dodgers and a Giant bike have in common? Thriftiness. And is thriftiness even a word? What does it mean?
07:19
September 21, 2019
The Man In Ecco Shoes: Shop Like You Mean It
7 years ago I bought a pair of shoes for $120. And then a few days ago I bought nearly identical shoes for $75. I checked 4 to 5 stores and spent about 60 minutes to get shoes that will last for several years. In this episode I share some lessons on bargain hunting, involving your spouse, gratitude, and quality goods.
07:00
September 11, 2019
28% Of Your Income: Two Costs To Kill
Would you believe there are 2 categories that represent nearly 28% of your income? I share some tips and ideas to cut expenses in these 2 key areas.
05:02
September 4, 2019
Dave's 7 Baby Steps
If you've ever read the book The Total Money Make-Over by Dave Ramsey, you will know about the 7 baby steps. When I discovered these steps over 15 years ago, they began to change my financial life. As Dave Ramsey says, financial peace is available if you pay the price now.
08:01
August 31, 2019
Bumped By Delta: $500 to wait 3 Hours
I asked a guru how often he gets bumped, what concessions he asks for and what the secrets are. Here's what he told me
04:29
August 22, 2019
Queen Bee? It Takes A Hive
Money matters fail when we go solo. Learn from bees. It takes a hive of advisors, consultants and idea to find financial felicity. Don't go John Wayne and DIY.
05:27
August 15, 2019
High Off The Hog
My dad used to describe the abundant life as "living high off the hog." No matter your income, there are many ways to get your needs and many of your wants. How? Through using sites and apps offering free goods. Buying at thrift stores and gradually improving your possessions. Time and cash are your friends.
06:19
August 6, 2019
Giving What You Got
Why was a lower income retiree happy? And a multi-millionaire lonely? Giving was the difference. What's your legacy? Giving? Money? Are big, showy gifts better than consistent, unseen gifts?
06:37
July 31, 2019
Credit Card Caution
When should you get a credit card? Is all debt bad? Should you get a credit card to travel the world? Or for cash back?
05:37
July 22, 2019
$999 Samsung Note 9 for $260
It's true. I had to wait 11 months to buy my dream cell phone. And I chose to study multiple options. But eventually I obtained a debt free cell phone.
05:43
July 13, 2019
Not Scammed: Protect Against Pirates & Punks
From Florida to Nigeria scammers selfishly lust after your money. Here’s a few signs to know so you’ll be protected from pirates and punks. Beware geography constraints , over-payment and unseen buyers.
05:38
July 6, 2019
We’re Not Going To Take It: Allowing Others To Fix Problems
A large amount of money can be consumed by fixing others’ problems when we should allow them to fix their own problem. A mechanic misdiagnoses, a home inspector misses a huge issue, a vandal tags your home, or a teacher fails to challenge your child. Let it slide? No. Never. Speak up. Listen and love so the person can fix the problem responsibly. They fix it; not you. It will save you money. But better yet, it will allow them to grow and become better.
05:56
June 28, 2019
Don’t Want To Think About It: How To Automate Everything
What if 30 seconds a day gave you access to your credit score, net worth, budget, and financial warnings? What if you never had bank fees? Find a great credit union/bank with an app designed to give you a snapshot of your Cashflow and net worth. And make sure your bank/credit union abhors fees as much as you do.
09:38
June 13, 2019
How Low Can You Go? 80% Off?
How to lower costs on clothes, pianos, skateboards, Legos, cars, electricity, books and more. Is 80% off legit? Why my Huffy from K-Mart inspired me to never be cheap.
11:55
June 7, 2019
Engineers & Janitors Meet Up
The Most important word for wealth. Faith. What creates lack? Fear? An in-depth discussion about destiny. fate and predicting your financial future. How to increase your cash flow.
08:54
May 31, 2019
The Lexus and The Ab Ball: Eliminate High Costs and Poor Prices
Intrinsic value is what Warren Buffett looks for over price and cost. Who determines worth? Marketers? Salespersons? You?
08:23
May 22, 2019
Afford Anything, Not Everything: Paula’s Podcast and Blog
Paula hosts one of the best money saving and money making blog and podcast ever. Her ideas are simple but power packed. In this episode I share a few of her lessons I love most!
06:51
May 16, 2019
Real Estate Investing: Making Money With Apartments
Buying apartments at the right time for the right price is a science and an art. And making money monthly as well as when you buy and sell are skills that will pay you well. How can you manage your property instead of having your property manage you? Enjoy!
09:17
May 3, 2019
Paradoxical Intention: Getting The Right Focus
Contrary to popular belief, obsessing on wealth can inhibit it. Focus on family, faith and others while studying and applying financial principles is the best way to financial independence.
05:18
April 25, 2019
Begin Your Business With A Bang
Learn how much to pay employees, what the lifeblood of your business is. how to ensure your bets will pay off and how to prepare for a successful business.
07:13
April 19, 2019
Killing Sacred Cows
Be, Do, Have. Beliefs are key to lasting monetary success. What role do questions play in abundance? Ideas>money?
06:12
April 8, 2019
Death By A Thousand Cuts: A Lesson From Dave Ramsey
Perhaps the reason why many struggle with money- too many expenses. This episode includes a simple way to gauge your success and a tip to eliminate many debts.
06:28
March 29, 2019
Don’t Blow It: Solving Emergencies
Bald tires, blown engines, creditors, braces, and dents. When an emergency strikes: slow down, find options, and pay cash. And remember an emergency doesn’t necessitate urgency. Discuss and unitedly proceed with wisdom and options.
06:46
March 13, 2019
Break Out The Scissors: Cutting Expenses
Find ways to save money on cell phones, houses, cars, clothes and utilities. It’s not what you pay, it’s what you get. Be frugal not cheap.
07:03
March 6, 2019
Financially Independent Children
What if your children had their own money trees? Who should pay for college? Parents? Children? How can Children grow up and move out without handouts from their parents?
06:49
February 26, 2019
Build Your Assets
From Real Estate to Businesses I’ll guide you to finding income streams best for you. Cattle and Cows too.
06:03
February 13, 2019
Budgeting: Tell Your Money Where To Go
There are three main keys to an effective budget: partnering, goal setting, and elastic expenses. Budgeting can be super easy.
05:20
February 6, 2019
Mo’ Money
Values and unity drive wealth. Discounted luxuries and vacations
06:20
February 1, 2019
January 31, 2019
00:48
January 31, 2019