Live 4 Financial Freedom

Writing a book has been something that people say they want to do over starting a Podcast. I would say about for every five people that tell me that they want to write a book someday only maybe one says they want to start a Podcast. Maybe more people are shy and would rather write down their words rather than saying them out loud? Most people that ask me how to write a book or how to start a podcast never do. I know everyone has their own stories they could share but most people don’t take action. Podcasting is way more popular than it was ten years ago. I think most people adults have heard the word Podcast and a lot have listened to one. There is like over 2 million Podcasts with over 48 million Podcasts episodes oberlo.com said when I googled it. This is my 100th Podcast episode myself. As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. Become a Paid Subscriber to Live 4 Podcast We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom. Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Check out all my Published books on Amazon.com. Here are a few of them: Money Secrets - https://www.amazon.com/dp/B088GKF2TM Richer Living - https://www.amazon.com/dp/1695676815 Wake Up -  https://www.amazon.com/dp/1694989585 Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf. Thanks, and have a great night.  Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.comand Live4.Club Plan for retirement with our free tools today. Net Worth - Best App for Investors Become a Paid Subscriber to Live 4 Podcast #Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway #crypto #digitalcurrency #shiba #eth #sol #ada #avax #brise #xlm #mana #enj #cro #uni #matic #ltc #dot #link #lrc #icp #xtz #xyo #mir #shibainu #amp #xlm

Gas prices are so high here in Arizona. I bet they are high where you live also. To add insult to injury is that our one car uses Premium Gas which is priced the highest here in Arizona. Our Gas expenses is way up for the year over last year. As we all know Inflation has affected pretty much all areas of our lives. Our Grocery prices have gone up here also. So, we try to do anything we can do to save money on our household spending. Especially with our two boys that seem to always be eating. I know on paper Inflation has made our House value look good. Our house is probably worth over $200,000 more than we paid for it. The issue with that is if we would sell our house than where do we live? We would need to buy another house and would spend the same amount or more. If we decided to rent then rents have gone way up also down here because of the low Inventory. So, we are happy saving a little bit of money on gas. This app we use isn’t going to get anyone rich. It isn’t a get rich quick scheme but it does work. We have received money back from them. We have to get gas anyway so we might as well save some money also. As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. Become a Paid Subscriber to Live 4 Podcast We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom. Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Check out all my Published books on Amazon.com. Here are a few of them: Money Secrets - https://www.amazon.com/dp/B088GKF2TM Richer Living - https://www.amazon.com/dp/1695676815 Wake Up -  https://www.amazon.com/dp/1694989585 Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf. Thanks, and have a great night.  Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.comand Live4.Club Plan for retirement with our free tools today. Net Worth - Best App for Investors Become a Paid Subscriber to Live 4 Podcast #Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway #crypto #digitalcurrency #shiba #eth #sol #ada #avax #brise #xlm #mana #enj #cro #uni #matic #ltc #dot #link #lrc #icp #xtz #xyo #mir #shibainu #amp #xlm

We currently are using four different Phone apps to Mine for Free Crypto Coins and one being a Virtual Property trading game that I will tell you more about later. There are a lot of different ways to Mine for Crypto. Some taking Investing a lot of money into computers and more. I have not dove into that yet because I am wanting to stay low cost and half way safe in Crypto Mining. The sites we use are free and easy to use. As my normal disclaimer you should do your own research into Crypto and see a Professional Advisor before investing any money into Crypto or Crypto Mining. This is for Entertainment purposes only. As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. Become a Paid Subscriber to Live 4 Podcast We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom. Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Check out all my Published books on Amazon.com. Here are a few of them: Money Secrets - https://www.amazon.com/dp/B088GKF2TM Richer Living - https://www.amazon.com/dp/1695676815 Wake Up -  https://www.amazon.com/dp/1694989585 Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf. Thanks, and have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club Plan for retirement with our free tools today. Net Worth - Best App for Investors Become a Paid Subscriber to Live 4 Podcast #Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway #crypto #digitalcurrency #shiba #eth #sol #ada #avax #brise #xlm #mana #enj #cro #uni #matic #ltc #dot #link #lrc #icp #xtz #xyo #mir #shibainu #amp #xlm

Most people enjoy Birthday Celebrations. Are you able to have a special Birthday and stay with in your Budget? With social media we see our friends or others throw these large Birthday celebrations and may feel like we need to do the same or even more to show our loved ones how much we love them. One thing that social media doesn’t show us when they post these large Birthday Celebrations is there Financial Situation. Maybe they have no Budget? Maybe they are in debt? Maybe they have no Financial Freedom plan? I have worked with Doctors to Managers in the past that on the outside they looked well off financially but the truth was they were so far in debt that Retiring early wasn’t in the current picture. Some of them planned on working till they died. As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. Become a Paid Subscriber to Live 4 Podcast We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom. Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Check out all my Published books on Amazon.com. Here are a few of them: Money Secrets - https://www.amazon.com/dp/B088GKF2TM Richer Living - https://www.amazon.com/dp/1695676815 Wake Up -  https://www.amazon.com/dp/1694989585 Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf. Thanks, and have a great night.  Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.comand Live4.Club Plan for retirement with our free tools today. Net Worth - Best App for Investors Become a Paid Subscriber to Live 4 Podcast #Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway #crypto #digitalcurrency #shiba #eth #sol #ada #avax #brise #xlm #mana #enj #cro #uni #matic #ltc #dot #link #lrc #icp #xtz #xyo #mir #shibainu #amp #xlm

Christmas time there are so many temptations all around us from TV, Internet, Radio, Ads in the Paper and more. We have feelings that maybe we didn’t get enough for our kids or maybe we should buy something for our friends. Darlene and myself seem to always buy stuff a week after we said we were completely done shopping. Crazy. LOL We aren’t perfect at all. We have bought many gifts this year after we said we were done shopping for the Christmas season. Also, we bought gifts this year for people that were not in our Budget. Next year we may need to adjust our Christmas Budget? LOL As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. Become a Paid Subscriber to Live 4 Podcast We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom. Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Check out all my Published books on Amazon.com. Here are a few of them: Money Secrets - https://www.amazon.com/dp/B088GKF2TM Richer Living - https://www.amazon.com/dp/1695676815 Wake Up -  https://www.amazon.com/dp/1694989585 Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf. Thanks, and have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club Plan for retirement with our free tools today. Net Worth - Best App for Investors Become a Paid Subscriber to Live 4 Podcast #Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway #crypto #digitalcurrency #shiba #eth #sol #ada #avax #brise #xlm #mana #enj #cro #uni #matic #ltc #dot #link #lrc #icp #xtz #xyo #mir #shibainu #amp #xlm

November was a good month for our Crypto Portfolio but we know any day it can drop a huge amount. That is why we have no more than 5% of our Net Worth invested in Crypto Currency. I believe it will be around and keep growing in our lifetime. Crypto is very volitive and there is a lot to learn about it. It seems to keep changing, growing and expanding. Now we are seeing more Virtual Gaming, NFT’s to Digital Real Estate that is built with Crypto Currency. As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. Below is where we our Crypto Portfolio was at the end of November 2021. Also listed below is a quick recap of what each Crypto Coin is for. Become a Paid Subscriber to Live 4 Podcast We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom. Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Check out all my Published books on Amazon.com. Here are a few of them: Money Secrets - https://www.amazon.com/dp/B088GKF2TM Richer Living - https://www.amazon.com/dp/1695676815 Wake Up -  https://www.amazon.com/dp/1694989585 Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf. Thanks, and have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club Plan for retirement with our free tools today. Net Worth - Best App for Investors Become a Paid Subscriber to Live 4 Podcast #Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway #crypto #digitalcurrency #shiba #eth #brise #algo #sol #enj #Mana

As a young professional trying to find their footing in the world, you are bound to face challenges. However, the path to success involves tackling these challenges head-on and becoming the best version of yourself. While there are no set guidelines that can guarantee success, this article by Mills Way takes you through a few important steps you can take to become financially and professionally stable in your life. Thanks, Julie Morris for the above great info. You are good. Mills Way is more than financial freedom -- it is a way to help people have choices in their life and map out their own route to financial freedom and happiness. Become a Paid Subscriber to Live 4 Podcast As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today. Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast, drop me an email at bruce@millsway.com or Text me at 480-389-6224 Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today. Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast, drop me an email at bruce@millsway.com or Text me at 480-389-6224 Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway

Become a Paid Subscriber to Live 4 Podcast Christmas is getting close and it is a very exciting time. We wish family could come visit us again this year for Christmas like our Folks did last year but it looks like they won’t be here until January. This may be Logan’s last Christmas for a while at home. He leaves for the Navy in about 7 weeks from now. We will make this a fun Christmas for the four of us. Seth will probably want to have his Girlfriend over Christmas Eve or Day. We will need to work it out with her Folks. We really like Aady. Darlene likes it when she is over to our house because she isn’t the only girl in the house. LOL We had some expenses hit us this month that I will cover with our results. Plus, the Stock Market took a hit this month with the Covid scares again. Thank goodness we have money in Digital Currency. What our Stocks were down we were up twice that amount in Digital Currency. Yea.. MY golfing season is wrapping up for the year. The costs go way up due to these darn Snow Birds. LOL December is such a busy month for our family and Darlene’s job that it is just better for me to hang my golf clubs up till January. They probably need a break anyway. LOL It is a good time to be a Sports fan in Arizona. The Suns and Cardinal’s are doing great this year. Now if our Vikings could win some more games and maybe squeak into the playoffs. I know that is probably a big dream. LOL Darlene is still working crazy hours. She is working 7 days a week. She works about 10 to 12 hours a day. Grocery business is tough right now because of the lack of employees. Plus, the people that keep job hopping right now. They may work for a few weeks and then get another job. Crazy. She is getting tired. Hopefully January things will be better for her and she gets a day off now and then. As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. Let me know your thoughts about this blog and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful. Also, please see my Disclaimer page. Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today. Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Check out all my Published books on Amazon.com. Here are a few of them: Money Secrets - https://www.amazon.com/dp/B088GKF2TM Richer Living - https://www.amazon.com/dp/1695676815 Wake Up -  https://www.amazon.com/dp/1694989585 Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf. Click here for some Side Income and Part-time Business Ideas Plan for retirement with our free tools today. Net Worth - Best App for Investors #Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway

Become a Paid Subscriber to Live 4 Podcast Darlene and myself was talking about how many gifts do we really remember from our pasts. Especially most people don’t remember anything before age 6 because our Brains aren’t fully developed yet. We talked about even if we could remember what we got 10 years ago. Also, what gifts have we got in the past that we even use today. I see these young parents with little kids going way over board on gifts and parties for the kids. Will the kids ever really remember it in the future? I bet they will remember if their parents go broke or file Bankruptcy. Listen to the whole Podcast for all the details. Become a Paid Subscriber to Live 4 Podcast If you need more help, I can help with my Coaching service. I just want to help people have less stress about their Financial Future or their Retirement plans and spend more time enjoying life. “The definition of insanity is doing the same thing over and over again, but expecting different results”. By Albert Einstein. I would also say the definition of insanity is believing you can live a financial responsible life without tracking how you are doing, having a budget and goals. I like following others who track their finances to compare our also. I enjoy helping people with their finances and goals. We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom. Check out all my Published books on Amazon.com. Here are a few of them: Money Secrets - https://www.amazon.com/dp/B088GKF2TM Richer Living - https://www.amazon.com/dp/1695676815 Wake Up -  https://www.amazon.com/dp/1694989585 Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf. Thanks, and have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club Plan for retirement with our free tools today. Net Worth - Best App for Investors Become a Paid Subscriber to Live 4 Podcast #Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway

Where does time go? I can’t believe it is November 1st already. One good thing is we are decorating for Christmas today. We do enjoy Fall but we like to decorate right after Halloween so we can enjoy it longer. We don’t know if we are going to have any family down here this year for Christmas like we did last year or not. Our Folks are planning on coming down in January. Logan and Darlene did take a trip back to Minnesota to watch Cade and Owen. They also got to hang out with family. They both had a great time and I don’t think they wanted to come home. At least we will be back in Minnesota next Summer for another Visit. Our investments went way up last month. We hit new Net Worth Records. Especially our Digital Crypto Coins went way up in value. We will give more details below. As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. Become a Paid Subscriber to Live 4 Podcast If you need more help, I can help with my Coaching service. I just want to help people have less stress about their Financial Future or their Retirement plans and spend more time enjoying life. “The definition of insanity is doing the same thing over and over again, but expecting different results”. By Albert Einstein. I would also say the definition of insanity is believing you can live a financial responsible life without tracking how you are doing, having a budget and goals. I like following others who track their finances to compare our also. I enjoy helping people with their finances and goals. We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom. Check out all my Published books on Amazon.com. Here are a few of them: Money Secrets - https://www.amazon.com/dp/B088GKF2TM Richer Living - https://www.amazon.com/dp/1695676815 Wake Up -  https://www.amazon.com/dp/1694989585 Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf. Thanks, and have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club Plan for retirement with our free tools today. Net Worth - Best App for Investors Become a Paid Subscriber to Live 4 Podcast #Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway #shiba

Become a Paid Subscriber to Live 4 Podcast What are your Values when it comes to Family, Work, Kids to life? We all probably have different Values and you may not agree with my friends’ views or mine but we hope to get you thinking. To possibly take a look at your situation and ask yourself is it me or them. If it is them then do you want to continue this pattern or take another route. The choice is all yours since you can’t change others, you can only change yourself. When seeing what my close friend is going through it got me thinking about what my dad and Grampa’s Values where and that is probably where my Values came from. I agree with most things they both taught me but may have modified things over the years. Let’s dive into their Values in 10 different areas. I know my dad wouldn’t waver from some of the values especially when they came to our family. Listen to the Podcast for all the details Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today. Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast, drop me an email at bruce@millsway.com or Text me at 480-389-6224 Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Become a Paid Subscriber: https://anchor.fm/live4/subscribe Check out all my Published books on Amazon.com. Here are a few of them: Money Secrets - https://www.amazon.com/dp/B088GKF2TM Richer Living - https://www.amazon.com/dp/1695676815 Wake Up -  https://www.amazon.com/dp/1694989585 Thanks, and have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club Plan for retirement with our free tools today. Net Worth - Best App for Investors Become a Paid Subscriber to Live 4 Podcast #Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway

Become a Paid Subscriber to Live 4 Podcast It is starting to look like Fall in parts of the country now. Fall is one of my favorite seasons. The colors are amazing up in Northern Arizona and I heard back in the Midwest they are looking good also. Darlene is starting a new Chapter of her life in October. She is leaving Safeway and going to work for the School District in the Food department. She is wanting more life and work balance. She is also looking forward to helping her parents out more during the year. She is taking a huge wage cut but family first, right? Seth is still doing really good in school. He has almost all A’s and one B. He really enjoys Welding class also. He talks about it almost everyday. Who knows that may be a future career. I just hope he does in the Military for 4 or 5 years first. Logan is another month closer to shipping out to Navy Bootcamp. This month he changed his work schedule so he could have more time to work out so he is prepared for Boot Camp. He also sold his Honda Accord since he won’t need it in the Navy and Insurance is hurting him. He pays over $200 per month for Car Insurance on a car valued at about $3,500. Crazy. I have been busy working on MillsWay.com and starting my new Video Channel on Rizzle.tv called MillsWay of course. I am growing in followers so far on Rizzle.tv. No income from the channel yet but just a few weeks old. This month we worked more on MillsWay and Live4 Podcast. On our Podcast we went to a subscription plan. So, to listen to the details of our monthly results a person would need to be a subscriber to our Podcast. It is only $1.99 per month. If a person can’t afford that they really need to hire me as a Financial Coach and they can not afford to subscribe to the Podcast. As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. Listen to the Podcast for Full Info Check out all my Published books on Amazon.com. Here are a few of them: Money Secrets - https://www.amazon.com/dp/B088GKF2TM Richer Living - https://www.amazon.com/dp/1695676815 Wake Up -  https://www.amazon.com/dp/1694989585 Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf. Thanks, and have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club Plan for retirement with our free tools today. Net Worth - Best App for Investors Become a Paid Subscriber to Live 4 Podcast #Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway

Helping your senior parents downsize and move can come with exciting adventures and unanticipated difficulties. On one hand, you know your parents will thoroughly enjoy a smaller home that fits their physical requirements, as well as having more money and time for fun. On the other, you know the move will require a significant amount of effort. Between the complications of the housing market and challenges of sorting through an attic filled with memories, there is no shortage of work to be done. The good news is that there are plenty of ways to make it a smoother process. While it’s true that downsizing is no small feat, it’s also true that it doesn’t have to be stress-filled or frustrating. With a little prep time and planning, you can help your parents downsize while making the move enjoyable. As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. Become a Paid Subscriber to Live 4 Podcast If you need more help, I can help with my Coaching service. I just want to help people have less stress about their Financial Future or their Retirement plans and spend more time enjoying life. “The definition of insanity is doing the same thing over and over again, but expecting different results”. By Albert Einstein. I would also say the definition of insanity is believing you can live a financial responsible life without tracking how you are doing, having a budget and goals. I like following others who track their finances to compare our also. I enjoy helping people with their finances and goals. We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom. Check out all my Published books on Amazon.com. Here are a few of them: Money Secrets - https://www.amazon.com/dp/B088GKF2TM Richer Living - https://www.amazon.com/dp/1695676815 Wake Up -  https://www.amazon.com/dp/1694989585 Thanks, and have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club Plan for retirement with our free tools today. Net Worth - Best App for Investors Become a Paid Subscriber to Live 4 Podcast #Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway

Become a Paid Subscriber to Live 4 Podcast We have all probably heard the important lesson of living on less that we make. Some say “Less is More” or “Living Simple” could also be names for a Minimalist Lifestyle. Myself I prefer to call it “Simple Living”. So I will call it that off and on during this podcast. I just don’t want to confuse you. LOL Any of my friends can tell you I am so excited about helping people reach Financial Freedom and their personal goals. There is no one path to reach Financial Freedom or any goal a person has in life. We all have many paths we can take to reach them and some paths can get us there sooner than others. Just like when we drive back to see family in Minnesota one path is about 26 hour drive and another path is over 30 hours. Sometimes we try different paths for different scenery. So, what is a Minimalist Lifestyle? It could mean different things to different people. We all could have different versions of it also. To me it is living below our means with less possessions. We have tried to keep our house simple over the years by selling or throwing away anything we haven’t used in the last few years. We are far from perfect at this but getting better. Once the boys move out we will kick it in for sure. In the future we have discussed selling our house and moving to an apartment or possible tiny home. Doing this we feel we can live cheaper and live simple. If it is possible to live totally simple or not. Things always come up buy you could have less things come up if you have less possessions or a smaller home. Some friends tell me that no way they want to live a Minimalist Lifestyle because they want to enjoy life when they retire. So they end up working till they are a lot older than when Darlene is planning on retiring at age 54. Darlene is going to semi retire anytime from this year to three years. She is going to work mainly till age 54 for Health Insurance. We won’t start moving towards a Minimalist Lifestyle till the boys move out and our folks quit coming down to stay with us in the winters. I feel once we go to it, we won’t sacrifice our retirement years. Instead we will enhance it by having more time and money to do things during our Retirement years instead of working on things around the house or doing yard work. As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. Become a Paid Subscriber to Live 4 Podcast Net Worth - Best App for Investors Let me know your thoughts about this blog and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful. Also, please see my Disclaimer page. Check out all my Published books on Amazon.com. Here are a few of them: Money Secrets - https://www.amazon.com/dp/B088GKF2TM Richer Living - https://www.amazon.com/dp/1695676815 Wake Up -  https://www.amazon.com/dp/1694989585 Millsway.com and Live4.Club Click here for some Side Income and Part-time Business Ideas

Become a Paid Subscriber to Live 4 Podcast Hope everyone had a fun August because that is what life is about right? The Mills Family had an exciting month for our family and business. Even though my golf game got rained out a few times due to the bad storms we had we still got some golf in. I normally play or practice golf almost every day that it isn’t pouring down rain. Here in Arizona, we normally only get rain about 30 days a year so I get a lot of golf in. Poor Darlene has been working pretty much 7 days a week. Her company like most other companies are short of help so her and her employees have been working every day. I don’t think she had a day off in August. She does have a short trip planned in October so hopefully she can get off work for it. Another reason to hit our FIRE goals so she can totally retire. Seth is back in school and is having his best year so far since fifth grade. I know it has only been a month so far but he likes his classes and teachers. He doesn’t want to miss a day of school this year he says. He really enjoys his Welding Class. He talks mostly about it. Maybe that will be a new career path for him. Hopefully he will do that in the Navy someday. Navy boot camp is now only five months away for Logan. I think he is getting a little more prepared for it but still has a way to go. He is changing his hours at work this month so he said he will have more time to focus on his navy Bootcamp prep work. Hope his applies himself. His choice and he has to live with the consequences of not being prepared or in shape. This month we worked more on MillsWay and Live4 Podcast. On our Podcast we went to a subscription plan. So, to listen to the details of our monthly results a person would need to be a subscriber to our Podcast. It is only $1.99 per month. If a person can’t afford that they really need to hire me as a Financial Coach and they can not afford to subscribe to the Podcast. As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. Listen to the whole podcast today Check out all my Published books on Amazon.com. Here are a few of them: Money Secrets - https://www.amazon.com/dp/B088GKF2TM Richer Living - https://www.amazon.com/dp/1695676815 Wake Up -  https://www.amazon.com/dp/1694989585 Thanks, and have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club Plan for retirement with our free tools today. Net Worth - Best App for Investors Become a Paid Subscriber to Live 4 Podcast #Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.

I know over the years we have family learning lessons. A lot of the lessons we had recapped and put in our book called “Money Secrets to Make You Rich”. But you are now almost 20 and 16 years old and you are going to be going out into the world with us to have family learning time with you. Please know Mom and Dad love you both a ton and we will always be here for any advice or as a sounding board for you both. It is your time now to take action for your future. We can talk about it all we can but now is your time to decide what type of life you want to have. Good Friends Remember most people are lucky to have a few truly good friends in life. I know you think your Xbox friends and School friends are your good friends but will they do the following for you in life? 1. Let you live with them if they were homeless? 2. Be your best supporter of you and your Business? 3. Help you grow and push you to be a better person? 4. Travel to see you at least once a year if you live far from each other? 5. Help you find a job if you were out of work? 6. Be there if you were really sick? 7. Be there if you need help with a big home project? 8. Be there if you are moving? These are just a few items to think about. Also, a good friend would bring up doing this thing for you without you having to ask. Remember things are all a two-way street and ask your self what kind of friend are you? Same goes for relatives, would they do the above things for you all the time. Also, not all relatives will be there for you in the above ways. My Dad was my biggest supporter until I met your mom. Become a Paid Subscriber to Live 4 Podcast As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.  Listen to the whole Podcast for all the details We hope our boys will give 100% towards any of there goals. For instance if Seth wants to make the Navy his career that he would start today eating better, working out, going for runs, going to the Navy Recruiters office to check in and see what he should be learning, joining Navy recruits group, watch You tube videos on Navy topics, practice swimming, read books on the Navy and more. Then he would be ready to go into Bootcamp at full strength and ahead of others because he prepared in advance. Become a Paid Subscriber to Live 4 Podcast If you need more help, I can help with my Coaching service. I just want to help people have less stress about their Financial Future or their Retirement plans and spend more time enjoying life. “The definition of insanity is doing the same thing over and over again, but expecting different results”. By Albert Einstein. I would also say the definition of insanity is believing you can live a financial responsible life without tracking how you are doing, having a budget and goals. I like following others who track their finances to compare our also. I enjoy helping people with their finances and goals. We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom. Love Mom and Dad Millsway.com and Live4.Club

Become a Paid Subscriber to Live 4 Podcast Haven’t you learned so many things over the years from different people. Maybe it was a class in school or a book you read that gave you something good to help you be more successful in life or less stressed in life. My Live 4 Podcast Subscription plan is just $1.99 per month or $23.88 per year. That is like one less Big Size candy Bar a month. That’s it and it is better for your health I would guess than that Candy Bar. LOL Over the years I have been blessed to work with over 1,100 people with Debt Problems. Most of them probably never thought they would ever be able to retire. When I sold Insurance so many people also had spending problems and not prepared for Financial Freedom. A lot of them also thought they would never retire. So, I would say isn’t $1.99 per month worth the possibly of learning tips or getting some motivation to take action. You may have heard some of the things we cover on our Podcast but may have forgot them or put them in a box in your garage. Now is the time to take action and get on the road to Financial Freedom. We also talk about not only Financial Freedom tips, but ways to get Debt Free, Budgeting, Raising Kids to be Financially Independent, to Retire Early, Marriage, Relationships and more. Become a Paid Subscriber to Live 4 Podcast As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. Here are some more thoughts about why to Invest just $1.99 per month towards your Financial Freedom. Listen to the whole Podcast. When I am out in public I am often talking about the subject of Financial Freedom with friends and people I meet. I like to learn from their experiences and their financial choices. There is no right or wrong way but there may be some roads that don’t have as many curves and you get to your destination faster. But ultimately it is up to you to invest your money and time to get there. You have to be the one to take action. I can talk till I am blue in my face to my kids but if they don’t want it bad enough, they won’t do it. Then they have to live with the consequences. Poor Money Management can lead to stress. Some people I have worked with over the years said some of the following; - I am afraid to answer the front door because it may be a bill collector. - I am afraid to get the mail because we may have bills in it. - I don’t know how I am going to make our house payment this month. - I don’t know how I am going to make our car payment this month. - I don’t ever see being able to retire. - I already work two jobs and we keep falling behind. The list could go on and on. I am here to try to help give you hope and ideas on possible things to try to help your situation. I will let you know what we do in our family situation and what are assets are. We live Debt free so we talk assets. Please join as a Subscriber today. Become a Paid Subscriber to Live 4 Podcast If you need more help, I can help with my Coaching service. I just want to help people have less stress about their Financial Future or their Retirement plans and spend more time enjoying life. Thanks, and have a great night.  Millsway.com and Live4.Club Plan for retirement with our free tools today. Become a Paid Subscriber to Live 4 Podcast

Become a Paid Subscriber: https://anchor.fm/live4/subscribe You don’t prepare for death for yourself but for your loved ones. It is hard enough when you lose a loved one why not try to do your best to make it less painful for them by being prepared for that day. I wish I could tell you that we all will get out of this world alive but we don’t so what are you going to do now for your loved ones. What ever you do can help a lot. The more you prepare and talk with your loved ones it can help even more. Just don’t worry about being perfect. I am sure all the prep work Darlene and myself do each year that some things will come up that we never thought about. We also have prepped our boys on what to do and who to call first if something weird happen and we both died at the same time. I know that is a small chance of happening but it could happen as easy as driving to the grocery store together and getting in a bad car accident. Not only having prep meetings with our boys we have covered with some of our closest friends and relatives on where our Death prep notes are and other important information. Without being prepared for Death it can not only cause your loved ones emotional pain but also it can create legal issues and can cause financial losses. So many people I talk with about their Financial Freedom planning, Retirement planning and helping them get out of debt never want to think about what happens in the case of death. Same thing when I sold Life Insurance. People would run from me when they heard I was an Insurance Agent. LOL As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. Here is a rough list of things to start with your Death prep for your loved ones. I cover in this Podcast. If you need more help, I can help with my Coaching service. I just want it to be smooth as possible for Darlene after I pass away. I don’t want her to have to deal with a ton of crap, I want her to go on with life and enjoy it. That is what life is for to enjoy it. The first person I lost that was close to me was my Dad and it was so hard on me and other family members. Remember if you do not legally document what you want done with your assets after you die, the courts will decide for you. This means that an unnecessarily large portion of your assets may go towards federal and state taxes. It may also result in your assets being given to someone, you’d prefer not to give them to. So, prepare now. We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Thanks, and Have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Become a Paid Subscriber: https://anchor.fm/live4/subscribe Millsway.com and Live4.Club

Governments and people alike are nervous I would be because anything thing that is unknown or not normal can make people nervous. Our protective walls go up and say stuff like “That won’t Work” or “That is a Scam”. Some of my friends think I am crazy and that I should run away from Digital Currency. Think back in 1983 when people heard that someday every body would have a computer in their house. LOL I thought they were crazy. I missed out on investing early on into the future of Computers and Software. So, part of me don’t want to miss out on this possible wave. Now that Tesla and other businesses have invested in Digital Currencies that it may get more and more part of our normal way of life. Who knows maybe someday there will only be Digital Currency? Who would have ever thought we would carry around a phone and have more power than a personal computer did back in 1983? We are in our early Retirement years we may not see the full roll out of Digital Currency in our lifetime. But it has been amazing the massive growth it has had. But of course, it has had some massive Dips in value also just like Stocks or Real Estate can have. Digital Currency Investing may not be for someone who is totally into Stocks or Real Estate. But think if you owned Real Estate rental properties or sold properties and you were able to be one of the few that currently would accept Digital Currency as payment. Wouldn’t that set you apart from others? I think it would. After I said that I am thinking I may be onto another business venture myself with this idea. Mark Cuban, I heard owns Digital Currency and someone said that he thought of it as the future and if he would start a new business it would have Digital Currency around it or in it. If you go use my favorite tool called Google you will see some of the Digital Currency, he is invested in. Governments around the world are probably all scrambling trying to figure out how to handle this new Digital Currency world that is becoming more of a household name. I know for myself I have now had two tax returns that I had to show my Digital Currency transactions and net gain or net loss. In the United States the IRS have it figured out it seems. Taxes can be a little more confusing with government requirements. My Accountant said I needed to get all of my info together for Digital Currency and put it on the IRS forms. I found Koinly.io and it made it easy for me. It did cost me $100 but well worth it. Check them out and save $20 discount. Just click here at https://koinly.io?via=0ACA8E2D As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Thanks, and Have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club

We seem to live in the world of scams now a days. There was probably many scams back when I was a kid but now that I have kids they seem to be coming out of the woodwork. We just try to prepare our kids of possible scams so they may not lose money in the future due to a scam. Scammers if they would use their skills for good they could probably make a good living. I have friends that have been scammed by repairman scam, e-mail scams to fake girlfriend from Russia. Some scammers make it look so real so they are hard to tell at times that they are really a scam. Now we are at a time of Bitcoins and other Digital Currencies I bet we will see more scams in the future. Today let me give you a few things to think about when dealing with Bitcoins or Digital Currency so you may have a better chance of not being scammed. I bet there are a ton of scams out there and that is why we teach our boys to research into things before they invest in them. I also included a link in the show notes of the info from the Federal Trade Commision where I got some information on Bitcoin scams. Bottom Line is to Beware of Bitcoin Scams Since it was introduced, Bitcoin has continued to rise exponentially beyond what enthusiasts predicted at that time. As much as it is highly volatile and unpredictable, it is fast becoming a globally-adopted digital currency, and unlike normal currencies, there are no central authorities overseeing Bitcoin transactions. Once a Bitcoin transaction has been carried out, it cannot be reversed or recovered which makes it a huge focus for fraudsters. There are still so many unknowns for us about Digital Currency. I know that Darlene isn’t excited about them but our boys see it as the future. I feel it could be mainstream someday but maybe not in my lifetime. We are an Angel Investor in a Credit Card company that used Bitcoins to convert to Money so you can buy purchases with it. Time will tell if our Investment was a good on or a wasted one. We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. Thanks, and Have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club Personal Capital - Manage your money now. Smart way to track and manage your financial life. Award-winning financial tools and more. #financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway Sources and Resources from Podcast (Available in Show Notes) 1. https://www.consumer.ftc.gov/blog/2019/11/scams-telling-you-pay-bitcoin-rise

Bitcoins have been talked about a lot in the news and online. Some people are scared about it and some people are excited about it. One of my friends called it in nice terms a very risky investment. Myself I could see it being a mainstream currency. I actually invested in a Credit Card company that deals with Bitcoins. My boys are more open to Digital Currency than the guys I golf with. An example of Bitcoins becoming more stream line is a good article by Steve Kovach from CNBC back on 2/8/21. He wrote “Tesla also said it will start accepting payments in bitcoin in exchange for its products “subject to applicable laws and initially on a limited basis.” That would make Tesla the first major automaker to do so. The $1.5 billion worth of bitcoin will give Tesla liquidity in the cryptocurrency once it starts accepting it for payments. Tesla’s move into bitcoin represents an investment of a significant percentage of its cash in the investment. The company had more than $19 billion in cash and cash equivalents on hand at the end of 2020, according to its most recent filing.” Link to the full article is located in the show notes of my podcast and below. My wife doesn’t seem very excited about Bitcoins or any other form of Digital Currency. So, I am trying to learn more and more about the subject so we can decide how much we want to Invest into it. Plus, we want to be more informed on Digital Currency to help educate our boys about them so they can make informed Investing decisions in the future. The money we have in Digital Currency so far is money we earned from watching some short videos and took a quiz afterwards. So, we have house money so far invested in Digital Currency. The Bitcoins I had years ago was not with Coinbase and I can’t yet find the passcodes to get them. It is probably a pipe dream that I will ever find the passcodes. If I do then we are going on a long vacation. LOL Other than Politics’ very few things divide opinion across the globe as Bitcoin does. That’s mainly because only a small percentage of the population truly understands what it is. Some view it as an item that can only be utilized by the tech-savvy, while others believe it's used for the wrong purposes. But, in fact, Bitcoin is just a virtual currency that creates anonymity. As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today. Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.comor Text me at 480-389-6224 Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Thanks, and Have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club Sources and Resources from Podcast (Available in Show Notes) 1. https://www.cnbc.com/2021/02/08/tesla-buys-1point5-billion-in-bitcoin.html

Bitcoins have been in the news big time over the last few years and stories of how people got super rich. I do have to say that I once had a lot of Bitcoins that I had earned back over ten years ago. I didn’t take it serious and forgot about them. There codes are on an old computer that is no longer around. Also, I have not been able to log into my old email account. Ughhh I could be worth many millions of dollars easily by my memory of how many coins I had. Now I use Coinbase to store my coins I have. Most people only know about Bitcoins but there are a lot of different Digital Currencies that are available to buy or sell. Today I want to talk about sites that claim you can earn free Bitcoins fast. My disclaimer is that I have not found any special site that has worked for me but Coinbase to earn any free Digital Currency coins. What is Bitcoin? Bitcoin is a payment system that was introduced in 2009 by Satoshi Nakamoto as an open source payment system. It is a digital currency that is used mostly for online transactions. Since it was introduced, it has grown expediently. You might think that a highly valued cryptocurrency like bitcoin could only be gotten through trading, investment or using it as a means of payment for service rendered, but bitcoin can also be earned. If you are not one to take risks, but you are interested in earning bitcoin freely, we have selected the top 3 best sites where you can earn bitcoin without investing anything. All that is required to redeem your bitcoin is to open a bitcoin wallet into which your earnings will be paid. Each of these sites is what is called a Bitcoin faucet. A Bitcoin faucet is a website that gives slight sums of Bitcoins to users who place ads on their website. To learn all the details about this way of earning Bitcoins fast they say, The first three listed below is some that I have read about but don’t know if they really work like they say they do. Let me know your thoughts about this blog and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful. Also, please see my Disclaimer page. Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today. Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.comor Text me at 480-389-6224 Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Thanks, and Have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club Personal Capital - Manage your money now. Smart way to track and manage your financial life. Award-winning financial tools and more. #financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway

Our boys are good boys and we are very proud of them and love them to death. But they still worry me that they may not be Financially Free in the future because of their lack of Action towards Money and Education. Like is hard and even harder if you don’t have money. We constantanly tell them they need to live with the Consequences of their Choices they make. In Robert Kiyosaki book called “Retire Young Retire Rich” he said that “Alan Greenspan, chairman of the Federal Reserve Board, recently said on television, “We need to start teaching financial literacy in our schools” We need to start teaching our kids to take care of themselves financially, rather than teaching them to expect the government or company they work for to take care of them after they retire.” Robert wrote “The Leverage of Your Actions. There is an overused story about three birds sitting on a fence. The question is, “If two birds decide to fly away, how many birds are left?” The answer is, “Three birds are left.” The lesson is, just because you decide to do something does not mean you will do what you decide to do. In the real world less than 5 percent of the U.S. population is rich because 95 percent of the population may want to be rich but only 5 percent takes any action.” We hope our boys will be the 5% that take action towards their Financial Freedom Goals and their Education. But currently they are sitting back thinking others will come to them and teach them. They think they just need to know the basics to get by in life. They are not showing any extra drive to be that 5%. For instance, our oldest Son that dropped out of the Navy signed up for College and we pushed him hard to get a job and sign up for College. Currently at his job he just does the basics and not trying to add value to himself by learning more about the company. He started his schooling but is only in class for one to two hours a day and doesn’t try to learning stuff on his own. He says that school will teach him all he needs to know. So, his free time is spent playing Xbox or on the phone with his girlfriend. We told him starting in October he has to start paying Rent so he better start taking some Action in his life to be more productive. Our youngest one seems to be following in his brother’s foot steps also. He is on his Xbox or phone most of his free time. He does the basics he needs to do to just get by in High School and isn’t trying to study and get good grades. We have given him tons of ways to make money around the neighborhood or on-line but he chooses to ignore them and just keep getting by. Consequences both boys could face is being in that 95% of the population that just gets by. The 95% that gets by probably have just an average income, has debt and has little saved for Retirement. They may end up working till there bodies won’t let them anymore. They have to be able to live with there choices they are making. What choices are you making towards your Financial Freedom and Education? As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club Sources and Resources from Podcast (Available in Show Notes) 1. Retire Young Retire Rich Book by Robert Kiyosaki with Sharon L. Liechter CPA. Xviii page xix

We like to point out to the boys all the time the people that are rich and famous but yet living frugal lifestyles. Our boys like to put these youtubers to Tik Tok kids up on a pedestal because they drive fancy cars and live in these big houses. They watch videos of these people throwing money away to friends and family like its water. We try to bring up to them what would happen to these people if it is real life if You Tube or Tik Tok would quit paying them. I tell the boys there is nothing wrong with living frugal and not wasting their money. There are so many people that have Millions of dollars that don’t look like it. They don’t have fancy cars, they don’t take fancy trips, they don’t wear Rolex watches, they were simple clothes and live-in simple houses. Some people want to dream higher than a Millionaire to a Billionaire and they want to live like a Billionaire before they put in the work and became a Billionaire. I feel most Billionaire know how to live frugal and most probably did before their business took off. Some kept some of those habits even after becoming a billionaire. As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. For instance, let’s talk about some Billionaires and their frugal habits and pasts. Listen to my Podcast in full. If Social Security isn’t around in 15 years, we may get really Frugal to get by but by then we hope both boys are out on their own. Then if we need too, we could always rent out their rooms for extra money if Social Security was not around. We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Thanks, and Have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club Personal Capital - Manage your money now. Smart way to track and manage your financial life. Award-winning financial tools and more. #financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway

Become a Paid Subscriber: https://anchor.fm/live4/subscribe Our boys both have girlfriends this Valentines Day and they are trying to think of what they could do with the little bit of cash they have. This is a common thing for a lot of people. Some people let their heart do the thinking and not their Financial Freedom Mind which gets them in trouble after Valentine’s day. We all want to show our significant others, family and friends how much we love them, but we don’t have to go into the Poor house doing it. My Dad was a great example of this. My parents time together was a dream love story. They had what most people are looking for. They loved each other so much but had little money to spend showing their love. They didn’t believe in Debt or Credit Cards so if they didn’t have the money in their Checking Accounts or pockets then they find another way to celebrate Valentine’s day. My Mom never worked because she was handicap so she showed her love to dad in simple ways from the following; - She would cook him his favorite things he like to eat. Dad could never have enough of Mom’s cooking. I am blessed that Darlene is such a good cook and loves to cook also. - She would write him notes on how much he meant to her. - She was the queen at buying cards also. My Dad should have bought stock in Hallmark. LOL, we like the dollar cards for us and write our own personal notes in them. My Dad showed his love in many ways that didn’t cost a lot of money. I don’t remember my Mom ever not feeling loved at Valentines day from my Dad. Here are some of the ways my Dad showed my Mom that he loved her: - Dad would get my Mom a card also and write a special note in it. My dad was a quiet and shy so when he spoke it meant a lot to who he was talking with. - My mom was hard to shop for so he would take her to the malls and let her browse the stores. She would get something on sale once in a while and it made her feel good and loved. - My dad was present in the moment with my mom. He wasn’t on his cell phone or distracted. He gave her good quality time. - My dad would take my mom square dancing and always take her to the bowling alley to watch his bowl with the guys. He took her everywhere. - He would hold my moms’ hand and kiss her a lot. He told her often how much he loved her and how beautiful she was. Of course, everyday can be Valentines day in your relationship but if you don’t stay with in your budget then it may take you longer to hit your Financial Freedom Goals. As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. - Listen to the whole Podcast for all the details. Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Thanks, and Have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club. #financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway

The more questions we ask the more we learn about Social Security to help us with our Retirement Projections. My Dad and myself got talking about what happens when once spouse dies how much the other spouse gets then from Social Security for monthly payments if they are both retired. We hope we never will need Social Security to get by on but it looks like for our situation that it will be part of the money we will need to keep our current lifestyle. We hope to live long healthy lives so we will be able to keep golfing and traveling when we both are retired. My Dad thought the living spouse got the whole Social Security amount each month of the spouse that died and I was thinking it was half of what the spouse was getting. So, I called Social Security Office and was put on hold for over 30 minutes. Ughhhh Once someone came on the line, I asked them what happens when one spouse dies and you both are retired. She said the living spouse gets what ever spouses monthly check amount was the highest. So that confirmed with me that we were making the right decision for us to wait till I am age 70 to start Social Security. We still are deciding on what age Darlene will take hers. We will keep reviewing our Retirement Projection each year to decide what is best for our situation. As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. Let’s also review how Social Security is figured before talking more about why we like waiting till age 70 to start my Social Security. Listen to the whole Podcast for the whole episode. We teach the boys to live debt free and especially at Retirement time. We want them to work with a Financial Planner if they don’t feel they have the education to take care of their Retirement Funds. We really hope they will consistently keep educating themselves on Personal Finances and Investing. We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals.. What age did you start taking Social Security? If you haven’t started yet then what age do you plan on starting at? Why did you choose that age? Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today. Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Thanks, and Have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club Sources and Resources from Podcast (Available in Show Notes) 1. Social Security Stats from https://www.ssa.gov/planners/retire/1943-delay.html 2. Social Security Break-even Points https://www.cnbc.com/2018/08/13/those-social-security-break-even-calculations-can-be-misleading.html 3. Here is a link to go see your Social Security Statement - https://www.ssa.gov/myaccount/statement.html

Become a Paid Subscriber: https://anchor.fm/live4/subscribe It is a new year and we have done our Family P & L Actuals from last year. We have also done our 2021 Budget and Goals sheets together. Now is the time to update our Retirement Projection sheets with our Actuals from 2020 to see our new Retirement Projections. Since last year we decided on the year 2030 for Darlene to retire at. That is the year that I can go on Medicare Insurance so we would just need to buy Health Insurance for Darlene for about 11 years. We are projecting that it will cost us roughly $500 per month or $6,000 per year for her Health Insurance when she retires. If she decided to work part-time for Insurance, she would have to average over 20 hours per week. Right now, she is feeling like being totally retired at age 54 so that is what we are planning on when doing our projections. We have done Retirement projections with us starting Social Security at age 67 and others at age 70. We will keep doing both projections up to the date we need to start Social Security to decide which way we are going. Some things that can factor on when we start taking out Social Security is the following; - How are Investments do for us for the next 12 years. - When the kids move out of our house and we aren’t supporting them in anyway. - When Darlene decides to fully Retire or if she decides to work for a while part-time for Insurance. - How are Health is. We wish we had a crystal ball to tell us a perfect time to start Social Security but we don’t. We are going to go with what are projections are showing us when we are closer to the date. Our current projections are showing us currently that we should start at age 67. But I still would love not to ever have to count on Social Security. My goal would be to wait till age 70 to start. The tough part is most guys in my family on both sides of my parents don’t live past age 80. Only my Grampa actually did that I know of. We are projecting that I live to age 90. I hope to live to see the 100’s in my pipe dream. But I would want my health also and not just be able to lay in a bed when I am old. We try to take care of ourselves now so we can live long lives. More on the entire Podcast or at MillsWay.com Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Thanks, and Have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club

Recently we took our car in for an Oil Change and the Store Manager came out to the sitting area and gave me a long list of repairs the car needs. It was over $3,600. I said to him that the cars value isn’t much over that. When the shock wore off, I told him I was going to hold off for now. When I got home and started looking up Used Cars that had less miles than my car did it looked like I would need to spend over $15,000 easy to get the same model car but maybe 8 years newer and maybe 80,000 less miles. Then Darlene came home from work and we talked it out. We decided to take the car to our normal mechanic for a second opinion to see what they said. We told them that we like the car because it looks nice and runs really well. He said it is a nice car and has a good motor in it. He was in favor of fixing the car if we were going to hold on to it for the next few years. He brought up that all cars need maintained and why buy someone else’s problems. He said most cars start needing some work done to them around 70,000 miles. So, I may end up still having car repairs even if I bought a newer car. Besides that, I would have the cost of the newer car plus higher Car Tabs and higher Car Insurance. Darlene and myself decided for us and our situation that it was best to hold on to our car and do the maintaince on it that it needed. I am for fixing the car also because I am not a fan of the car shopping process. A friend of mine once said he would rather go to the Dentist then go car shopping. I am not a fan of Dentist either and probably enjoy some of the hunt and numbers of car shopping. - More Details during Podcast. We also cover with the boys how to maintain their vehicles so they last longer and hopefully it will save them less future car shopping trips in the future. LOL, we do plan on buying Darlene a new Van once her Van hits around 125,000 miles since we drive it a lot back to see family. We still have two or three years till we go car shopping again. We plan on holding on to our Car for life if we can since we don’t drive it often. We hope everyone hits their Financial Freedom Goals from our family – The Mills Family. Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Thanks, and Have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club Sources and Resources from Podcast (Available in Show Notes) Spend Smart Book      by Bill Keenan The      Millionaire Next Door Book by Thomas J Stanley, Ph.D. and William D.      Danko, Ph.D. The Do’s and Don’t      of Money Book by Suze Orman

Become a Paid Subscriber: https://anchor.fm/live4/subscribe Especially our Dads because they came from farming families and that seemed to be the thing to do. Have a lot of kids and they can help on the farm. Now a days with the high cost of living or the high living lifestyles that so many people have it is hard to have large families. Some people have one or two kids and others choose not to have any kids and have a pet. Nothing wrong with having a pet instead of kids if your financial situation or lifestyle doesn’t fit for having a kid. For instance, I always had Labs. They were the best dogs for us. For instance, Labs were always happy to see you where kids ages 12 to 22 aren’t always excited to see their parents. My dogs cost less money per year than our kids did. Both Kids and Dogs need to be potty trained but Dogs seem to learn faster. My Labs were protective and good guard Dogs where a lot of time our Teenagers are in their rooms playing Video Games. Our Labs we would be with us most of the time when we are home and Teenagers we hardly see. Our Labs didn’t complain and want stuff like our Teenagers do. Labs don’t take long showers or stay in the bathroom for an hour like a Teenager. You have no car expenses or clothing expense each year for a Dog either. The list could go on. Kids are great don’t get me wrong. I love our 4 kids. But there are times they drive me nuts. Kids are most loveable from around age 2 to age 12. They say kids come back after they are in their twenties. I have not seen that from my two older kids but with the Divorce from my first wife she bought their love and brained washed them. Hopefully they will come around someday and meet their brothers, step Mother and be apart of our family. If they don’t then it is there loss. I know our boys want to get to know them. Plus, Darlene would love to have another girl in the house. Maybe also our boys will get married someday and then we can have more girls in the house. LOL We teach our boys to have Financial Planning meetings with their future spouse and after they are married about their Financial Freedom goals, plans, budgets, desires and more. I have worked with couples in the past that didn’t have these talks until it was too late because it was uncomfortable. Then most of them was at a point of no return. Money is one of the major reasons for Divorce. We taught them that they should also go to a Church for Pre-Marital Classes. If they have a problem talking about money issues then to find a third person that they both trust to talk with them. It could be a Financial Planner, Accountant, Lawyer or a Financial Coach like myself. Remember this show is for entertainment only and you should seek advice from your Financial team if you have any questions on Investing. See my Disclaimer on MillsWay.com. I want to help you prepare for an unexpected bill so you don’t go into debt paying on a bill. I want everyone to live Debt Free and reach their Financial Freedom goals. The people that can’t talk about Money or plan for their future then they would be a great candidate to have a dog. Besides Money there are so many things to discuss before getting married to make sure each of them knows the others desires and what they think being married should be like. Become a Paid Subscriber: https://anchor.fm/live4/subscribe Patreon.com/Millsway or Paypal.me/Millsway https://www.patreon.com/millsway Millsway.com

Hope you had a fun New Year’s Eve and New Years Day. I am excited that it is 2021 and all the new opportunities we have this year. It would be hard for 2021 not to be way better than 2020. As many people know a lot of things can happen to a family in a short period of time. Last year we saw COVID-19 mess up peoples lives in so many ways. For instance, some businesses had to shut down and some never reopened. Which caused a lot of people to lose their jobs and probably their only source of income to pay their bills. If they didn’t have an Emergency Fund then they are probably behind on their bills. Some people that got COVID-19 had to be hospitalized and I am sure that ran them up some big hospital bills. I know my four hours in a hospital was expensive for us. Until the COVID-19 Vaccine is available to everyone I am sure more people will be hit with large hospital bills in 2021. I don’t want to scare people about COVID-19 because I am talking about it. I am not a Medical Doctor or giving any Medical Advice to you. But it is a big Thing that is in the news and our world last year and will be this year probably. Seems like a lot of people have different views on it. The ones that are really afraid of getting it probably needs to find a way to never leave their house or have anyone ever over. We don’t live that way and most of our friends don’t live that way. Some do and we just don’t see them. Such a small percentage of people live this way. I love the guys I golf with; they shared a bottle of Brandy the other day and shake hands. They are older than I am and have seen a lot of things over the years that was supposed to be dangerous to their lives. They choose to enjoy each day they are above ground. I am in that boat also. I have out lived my friends and cousins so far and not going to quit living due to COVID-19. I say leave Businesses open and let people choose to go shop them or not. We just think it is funny how many cars are on the road. Darlene works in a Grocery store and they are busy with customers. We go to other retail shops and there parking lots are jammed full. Yet some people act like don’t get by me when you are shopping. I say they should just lock themselves up in their house and do home delivery then. They should just never live the house. They made the choice to go to the store, I didn’t for them. Many people do not have enough money in their bank accounts to pay for a $1,000 car repair bill. I have worked with and talked with so many people that had less than $100 in their checking and savings account. Many had no retirement savings either. I have heard that one out of four people have no emergency savings fund. We believe in having an Emergency fund for our family. We teach our boys to have at least six months of their total expenses in a savings account. We like to use a Brokerage Account for our Emergency Funds and we invest it in Stocks, Mutual Funds and EFTs. We know if we have to liquidate some funds to pay off an unexpected bill, we could with in about seven days at the most. Remember this show is for entertainment only and you should seek advice from your Financial team if you have any questions on Investing. See my Disclaimer on MillsWay.com. I want to help you prepare for an unexpected bill so you don’t go into debt paying on a bill. I want everyone to live Debt Free and reach their Financial Freedom goals. Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Thanks, and Have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Millsway.com and Live4.Club

Become a Paid Subscriber: https://anchor.fm/live4/subscribe Happy New Years Eve! Yea, 2020 is over and in the books tomorrow. 2020 is a year that we will all want to forget. I am optimistic that 2021 is going to be better by a mile. I don’t see how it could have been any worse. In 2020 we lost my Mom to COVID-19 and other health issues. We lost our Sister Audrey who was only 41 years old. We had to wear Masks and many businesses were closed up at times or had restrictions. Then on top of that our boys missed out on Home Coming, Prom, a formal Graduation and had to do school on-line at times. What a crazy year. So, 2021 has to be better right? Now is the time to review your 2021 Budgets and Goals for you and your family. We do actuals each month of our expenses and then do a rolling recap for the year. Darlene and myself review our past years expenses when we are doing our next year’s Budgets and Goals. Things that we didn’t Budget for in 2020 that came up was some Medical Issues we had that we didn’t plan on. They were over $6,200. We put in a Shed for our folks which was over $8,300 that we didn’t Budget for. Then we had some major Car repairs that were over $4,500 that we didn’t plan on. Then we had Funeral Expenses that we split with my Sister for our Mom and we Published a New Book this year. We had $22,000 of expenses that came up in 2020 that we didn’t plan for this year. That can happen each year and that is why we keep any Emergency Fund to help our in these crazy years. Most years we can come in below our Budget or just barely over but not in 2020. Our family keeps our Budget, Gift giving breakout and Yearly Goals posted in our Bedroom so we can see it easily everyday to help keep us on track towards our goals. Besides doing our end of the month recaps and then having a meeting to cover them. Our 2020 Goals was messed up big time with COVID-19 and all the crazy things that came up. We hit some goals but others we didn’t. Due to COVID our goals we had for our Disney Cruise was not hit because they canceled the trip. We had goals for taking the boys to special events and that didn’t happen. Then we had goals for taking the boys to movies that didn’t happen. It wasn’t all doom and gloom for our 2020 goals, we did hit a few of them. I don’t think we ever had a year that we hit every goal anyway. Things come up. Remember my disclaimer on millsway.com. I am not giving any legal, medical or financial advice. This podcast and blog are just for entertainment. This new year our family goals is about the same as 2020 except for less trips planned and lower expenses. We revised our Budget for 2021 with less expenses since Logan Graduated and having less Vacations planned. We have a Budget for our family Expenses of $50,000. Let’s hope we can come in under that. Having a personal budget is like work. The place you work needs to spend less on expenses than they bring in for income. That is no different than your own personal budget. It is simple Math. Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Millsway.com

Christmas is tomorrow and then we start a new year in just seven days. Are you looking forward to the holidays or are you feeling down? This time of Year, can be hard for people depending on what their situation is and what has happened in their world in the past. For myself when I am watching Christmas and Holiday shows on TV it can get me down really easy in the past. Even today there is times that it can get me thinking of the past but now I have some ways to help me get to a better mood. We all have past experiences that can affect us in a good way or a negative way depending on how we look at it. I know there was some Holidays in the past that wasn’t a lot of fun for me because I couldn’t get myself seeing the good things in my life. Two big events in my past was my Divorce and then when my Dad died. Then I met Devin Hastings years ago and he taught me about the Mind and how to use a Positive Score Card. He taught me NLP and Hypnosis Classes for a few years. His classes where amazing and I learned a lot about the power of our Minds. This last year has been challenging for everyone from the roller coaster of the stock market to uncertainty of jobs being around with the disruption of businesses. Some people had challenges on home schooling to finding day care for their kids when the schools went to home schooling. I’m sure people around the world felt all sorts of feelings this year. I would bet that depression and anxiety rates are at a all time high. Friends of mine had different things that were bothering them about 2020 from having to wear a Mask to not being able to go to their favorite restaurant. Before we wrap this up some other ways people show Gratitude is, they will pray or meditate. I have done both in the past but for me reading my Positive Score Card and Positive Quotes helps me the best. We hope everyone has a safe, fun and happy Christmas and New Years from our family – The Mills Family. This is our Christmas Card to you. LOL Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today. Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.comor Text me at 480-389-6224 Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Thanks, and Have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club Personal Capital - Manage your money now. Smart way to track and manage your financial life. Award-winning financial tools and more. #financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway

Become a Paid Subscriber: https://anchor.fm/live4/subscribe Christmas is definitely our favorite Holiday Season. Darlene and myself start decorating the day after Halloween. We like to buy some new Christmas decorations each year. This is our best Christmas this year since we have our Mom and Dad spending it with us. They will be here with us for four months and we are so excited to have them here. Since the boys don’t spend much time with us. Logan didn’t go into the Navy like he had planned on so we will get to enjoy the Christmas holiday with him and Seth this year. The more the marrier. 2020 has been an ugly year after my Mom passed away and our Sister Audrey passed away just two months ago. ughhh Remember - As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. So, let’s talk about Christmas or Holiday Season spending. I saw that Investopedia said $998 is the average amount that consumers expect to spend on winter holidays in 2020. That is down $50 from 2019. Probably due to COVID-19 and people not getting out to the malls shopping. 2021 can’t come fast enough and come on vaccine. I don’t know your views on taking the vaccine but for myself I will be first in line once it is available to us. I always get a FLU shot each year also. COVID-19 has affected everyone in one way or another. For us we have become experts at online shopping. LOL The $998 they said covers gifts, food and decorations. Of course, your numbers may be smaller or higher depending on your own personal budget or family size. Welcome back, let’s talk about what we are looking at spending this Christmas and Holiday season; - $800 on Christmas Gifts. Which is over our budget by $425. We got shopping happy. LOL - $175 on Christmas Decorations. We like to add to our Christmas Decorations each year. This year we about some more outside lights and wall décor for inside our house. - $350 on Christmas and New Years foods and drinks. We want to go all out this year with Mom and Dad here and both boys still with us. - Total $1,325 of Christmas and Holiday spending for our family. We are over the $998 average that Investopedia said for consumers in 2020. But we want to be above average in everything we do. LOL Some more changes we are doing this year due to COVID-19 is we aren’t going to the Mall has often. Also, we aren’t giving out Christmas Cookie trays to neighbors or friends this year. We haven’t drove around looking at Christmas lights like we have in past years either. So sad… Become a Paid Subscriber: https://anchor.fm/live4/subscribe We hope everyone has a safe, fun and happy Christmas and New Years from our family – The Mills Family. This is our Christmas Card to you. LOL Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Thanks, and Have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club

There are a lot of different philosophies on the subject of if you should stay in the market through the up and down times or not. Some of my friends say they get out when it is high and then buy when it is low. They swear they make a ton of money doing it that way. Yet, I don’t have a crystal ball on when the Stock Market is at around the top and not going any higher. I would have felt bad jumping out of the Stock Market when it was even at 20,000 and then waiting for a crash. I would be missing out on all these dividends and growth we have been receiving. I have been to classes and heard from many other people that was against trying to time the market and they showed examples of why not to try jumping in and out. As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. The mental part of Investing is a challenge and with all the news that hits us constantly from our TV’s, Radio Stations, News Paper to Social Media posts we are smothered by good or bad news on the stock market and opinions. We teach the boys to hold strong to their beliefs and ride out the stock markets roller coaster. To hold on to their stocks and not to try to time the market. They think it is boring to just hold on to their stocks and not trade them. I hope the older they get they will realize that holding is the way and yes it can be boring to some. To also have the money they have in Stocks, Real Estate or Businesses. Not to be sitting around not working for them. Of course, we want them to keep building on their Financial and Investing education each year and work with their Financial Team to make the best choices possible towards their Financial Freedom goals. We want them to learn how to make the best educated choice when picking a stock. They should feel that stock is a solid company and will be around through their retirement years. The boys are human and the stocks they own go up and down. So often they will say “If I had only sold it before it dropped”. Each time I remind them that they are in for the long run and they have probably at least forty more years till they retire. With AI technology coming into play who knows what the world of Investing will look like in the next forty years for our kids. I feel AI is the future for sure. For all the Details listen to the full Podcast Show. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com or Text me at 480-389-6224 Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Thanks, and Have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club Personal Capital - Manage your money now. Sources and Resources from Podcast (Available in Show Notes) 1, Tony Robbins Book called “Unshakeable” https://paulminors.com/blog/unshakeable-tony-robbins-book-summary-pdf/

We have taught our boys to shop around for the best Financial Planner that they like. We have told them to do research on different Financial Planners from what they charge and more. We want them to feel good about who they work with and are able to talk with them comfortably. If they do choose one to work with, we prefer Free of course or if they do pay, then to pay a fixed cost. I have talked to people that pay a percentage of their holding to a Financial Planner. Some paid from around $5,000 to $20,000 a year. Ouch. Six years ago, when we had someone want to be our Financial Planner it would have cost us over $6,000 a year. Think if we paid that each year for twenty years for a total of $120,000. Would we have maid more than if we did it ourselves or not. As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. Basically, there are four fees the boys could pay for a financial planner or advisor; - Free – I like this option the best. - Flat Fee – Could range from $500 to $3,500. - Percentage of your Portfolio – For them to manage your investments monthly. Charges could range from .80% to 2% of your money they are managing for you. - Hourly Fee – This isn’t a bad option if you just want to see them once or twice to help you with advice. They could also help you create a financial plan. Cost could run $75 to $400 an hour. Of the four above options I still like the Free option with our current situation. Maybe for the boys one of the other options will work better for them. I know they could benefit from working with a Certified Financial Planner and if it is in their budget it could be a good investment. Finding a Certified Financial Planner that you may like to work with can be more of a challenge. At least if they are Certified Financial Planner then you know they took the classes and received the training to provide good advice. For more details listen to the whole Podcast If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com or Text me at 480-389-6224 Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Thanks, and Have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club Personal Capital - Manage your money now. Smart way to track and manage your financial life. Award-winning financial tools and more. #financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway

Everyone has different situations and goals in life. Not everyone may need to have a Financial Team or if they have one maybe they don’t need to see them yearly. For instance, my Mom who has no Assets and lives in a Nursing Home doesn’t need a Financial Team. We hope though our boys will acquire a lot of Assets in their lifetime and need a Financial Team along their journey to Financial Freedom. As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. We want the boys to have a Financial Team to help them make sure they made educated choices towards their finances and that they are protected along the way. Having a Financial Team is important, but to always keep a good relationship with them along the way and to keep in touch with them. For us we like to keep in touch yearly in one way or another. Once we have more Assets, we may need to see them more often. Having a Financial Team can be expensive since they are professionals and may charge a lot for their time. Darlene and myself want to control our expenses so when we are working with one of our members of our Financial Team we are prepared and keep things on track to limit the time we spend with them. Since some of them charge by the hour and some by the project. Some people may spend a lot on their Financial Team but we keep ours pretty low cost. Except for our Accountant we just changed this last year and they charge more than our last Accountant. Our last one retired so we were forced to change after twenty years with him. It was hard change for me, almost like a death in the family. We took along time looking for a new Accountant. Once that we could trust and afford within our budget. Nice thing about having a good Financial team that you can trust is that they can help you put together your Financial Freedom goals and plans to achieve them. As we know life happens and changes need to be made so it is good to keep in touch with them yearly at least. It will help with the relationship you build with them also. Listen to the whole Podcast for all the details. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com or Text me at 480-389-6224 Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Thanks, and Have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club Personal Capital - Manage your money now. Smart way to track and manage your financial life. Award-winning financial tools and more. #financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway

Become a Paid Subscriber: https://anchor.fm/live4/subscribe We teach the boys that it is OK to change their Financial Goals plan along the way. That things will come up and goals or plans will change and to accept the change. As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. For example, if they are single and make up their Financial Freedom goals and plans there are many changes that could come into play during their lifetime that can change their plans and goals drastically. Here are some examples that could come up for our boys; - They could get married. Then they would come up with new plans and goals that work for the two of them. - They could have kids of their own. Then they would have a huge change in their lifestyle and budget which could affect their plans and goals. - They may have a large Medical Expense. Think if you had a large out of pocket bill of $50,000 and how that could affect your plans. - They could encounter Job loss. Some people it takes over 12 months to find a new job. A person could burn through a lot of savings until they get a new job. - They could encounter some major home repairs. Homes are expensive and repairs can add up. New Heating and Air Condition unit could run $5,000 to $10,000 depending on the size or a new Roof could run $10,000 to $20,000 depending on the size and type of your roof. Plus, things wear out around your house and need replaced. For instance, to have a Water Heater replaced with installation can run around $1,000. We factor in projected costs of home ownership into our plans. The list could go on and on of things that could come up and alter their original plans and goals towards Financial Freedom. It could take them longer to hit their goals and they would need to accept the new time lines. The choice is always there depending on what they encounter on if they try to increase their income coming in or to reduce other expenses to cover the new ones. The other choice is it could take them longer to hit their Financial Freedom goals. It will be what ever they choose to do.. Listen to the whole Podcast for all the details. . If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com or Text me at 480-389-6224 Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Thanks, and Have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Become a Paid Subscriber: https://anchor.fm/live4/subscribe Millsway.com and Live4.Club Personal Capital - Manage your money now. Smart way to track and manage your financial life. Award-winning financial tools and more. #financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway

Most people that work at a job hopes to get a pay raise each year. Some employees want them more than once a year. Wages is one of the largest expenses they have to run their business. If you own a business then you know if you want to stay in business then you need to show a profit. If wages go up then you need to find a way to cover that expense. Most businesses raise the prices to cover the cost. This starts at the Manufacturing level to the Retail level. Each business needs to pass on the costs of operating so they maintain their profit margins to stay in business. There is such a push to get the minimum wage up. In some states they are pushing to get it up to as high as $15 per hour. With the Federal Minimum rate at $7.25 per hour. Here in Arizona in 2020 we are sitting at $11.00 an hour. The Federal Minimum wage rate in 1955 was 75 cents per hour. In 1975 it was $2.10 per hour and in 2015 it was $7.25 per hour. The link to this is in the below show notes. As you can see it has gone up quite a bit over the years so no wonder prices have risen. This shows why we need to factor an Inflation rate in our Financial Freedom plans. As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. U.S Bureau of labor Stats in April 2014 listed some of the below food prices back in the following times. The link is below in the show notes. Apples – 15.1 cents per pound in 1955. 34 cents a pound in 1975. We currently pay now around $1.19 per pound for the cheaper apples. For more info listen to the whole Podcast. . If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com or Text me at 480-389-6224 Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Thanks, and Have a great night.  Please Support or Follow me at https://www.patreon.com/millsway  for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club Personal Capital - Manage your money now. Smart way to track and manage your financial life. Award-winning financial tools and more. #financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway Sources and Resources from Podcast (Available in Show Notes) 1. Prices in the past from U.S. Bureau of Labor Stats April 2014 - https://www.bls.gov/opub/mlr/2014/article/one-hundred-years-of-price-change-the-consumer-price-index-and-the-american-inflation-experience.htm 2. Inflation Caculator - https://www.usinflationcalculator.com/ 3. Past Inflation Rates by Year - https://www.thebalance.com/u-s-inflation-rate-history-by-year-and-forecast-3306093

Bottom line with all the news and experts out there the final decision when it comes to our Personal Finances is our own. That is what we teach our boys when we are teaching them our rules to Financial Freedom. As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. Some people you hear on the news can say we are in a Bull Market and then the next channel they can say we are in a Bear Market. Today I read one article on-line that said the market looks solid for the next year with the solid earning reports and low unemployment. Then another article said to basically sell now that we were entering into the next recession. For a second when I was reading it, I was thinking what if they are right? Maybe I should sell everything? Being married we have two opini