ProsperityRx

Episode 5 - Reasons People Stay in Debt

An episode of ProsperityRx

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By Keith Abell
After graduating from college with massive student loan, credit card, new car debt & 3 young kids I realized if I continued down the financial path I was on it would be years before I'd see light at the end of the tunnel. If I wanted to give those kids the life that I dreamed about something had to change. That's when I found Dave Ramsey's Financial Peace University & Robert Kiyosaki's Rich Dad Poor Dad. By sharing the concepts that I learned & successfully implemented, my goal is to give folks hope & show them how they too can build a life of good health, financial peace & prosperity.
More places to listen

More places to listen

Sunday Morning Rambling - My Health and Wellness Journey
If you would like to learn more about Dr Wallach visit http://DDDLVideo.com  While you are there be sure to check take the free health evaluation.
15:25
July 22, 2019
4 Words that Destroy Productivity
4 words that destroy your productivity “Those who are wise won’t be too busy, and those who are too busy can’t be wise.” – Lin Yutang “I am so busy.” It’s a simple, common, four-word sentence. And with the increase in demands professionally, massive increases technologically, and intense strains on our time personally, it’s a sentence the vast majority of us use with great frequency. We use it when speaking with colleagues to show our importance: “Things are going extremely well for me…I am so busy.” We use it when there is some task, job, or duty we’d rather not do: “Sorry. Can’t help with that…I am so busy.” And we use it to describe our yesterday…tomorrow…weekends…and life: BUSY. In the journey through life, though, it’s important to keep in mind the goal should never be mere busyness. Being busy robs us of full productivity. We all have aspects of these four characteristics within us. They steal our time, energy, ideas, satisfaction and potential to truly live inspired. They negatively impact our relationships, our health and our bottom line. http://AIMHighForSuccess.com 
08:29
July 18, 2019
Another Dead Student Athlete and Its Totally Avoidable
To get the two free reports by visiting http://CampaignForNutrition.com  Also if you want to learn how to create a spending plan visit http://SpendingPlanClass.com
12:22
July 16, 2019
How Do You Attract Opportunity Into Your Life?
How Do You Attract Opportunity Into Your Life?  Now the obvious answers would be hard work, persistence and preparation but most folks actually are hard workers. And many folks have the great attribute of being seekers, on the lookout for something better. So what were they missing? I always thought opportunities and success were something you went after. Then I found out that I needed to turn it around. Opportunities and success are not something you go after necessarily but something you attract by becoming an attractive person.   If you can develop your skills, keep refining all the parts of your character and yourself, your health, your relationships so that you become an attractive person—you’ll attract opportunity. Opportunity will probably seek you out. Your reputation will probably precede you and someone will want to do business with you.  The key is to continue making yourself a more attractive person by the skills you have, the disciplines you have, the personality you’ve acquired, the character and reputation you have established, the language and speech you use—all of that refinement makes you more attractive. So how Do You Attract Opportunity Into Your Life? By attracting opportunity to you by becoming a more attractive person.  Personal development is the never-ending chance to improve not only yourself but also to attract opportunities and to affect others. http://AIMHighForSuccess.com
04:15
July 11, 2019
How You Can Make Money Watching Funny Cat Videos
How you can make money watching Funny Cat Videos! There are more than two million cat videos on YouTube. People have watched these videos more than 25 billion times, which equates to an average of 12,000 views per cat video.  Hours are spent on YouTube with mind numbing activities like this. We've come to a point where we are constantly distracted. Maybe it is because we aren't happy with our job, it doesn't satisfy us or challenge us any more or pay us what we're worth. Maybe its because we don't feel appreciated at work. Maybe it is because the average American now has about $38,000 of personal debt excluding our mortgages and we just don't want to think about it. Maybe our health or the health of a loved one has us worried so we want a distraction. Maybe it is information overload. Our brains are inherently wired to avoid pain and maximize pleasure so that's probably why those darn videos are so addicting.  The problem is that most of us just don't realize the true cost of distractions. They use up what is actually a limited supply of attention that we have each day, and make us far less effective, costing us time and money.  The law of substitution says that we can't think of two things at the same time. We can't think of the negative things that bother us in our daily lives at the same time as we're thinking of positive things. We let these distractions in so we don't have to think about those difficulties that worry us the most and that is costing us money. Instead of feeding our mind with these mind numbing online distractions why not use the power of our mind to get us out of the painful situations that we are in and maybe, just maybe that time spent watching funny cat videos can be turned into profitable positive action. Instead of wasting time becoming distracted by funny cat videos so we don't have to face our fears, what if instead using that same law of substitution, take the time to feed our mind.  Zig Ziglar once said, "If you are not willing to learn, no one can help you. If you are determined to learn, no one can stop you."  Guard yourself from that trash TV or that online content, the binge watching that just distracts you from everything that you want to accomplish. Use that law of substitution to get the negative out. Associate with positive people, positive activities that feed your mind. Guard your mind from trash reading, and trash, mind numbing video watching. Instead feed your mind positive uplifting audio and video that's gonna inspire you, and educate you and help you reach your goals. You can fill your entire year with funny cat videos and they may make you feel good but that's not gonna take you where you want to go. Spend more time with positive quality people and educational activities. Make that your determination. Make that your intention. Make it your objective. Make that your goal. Commit to it and do it. Forget resolutions, do it. Get busy with the positive and make no time for the negative. The late Jim Rohn always says, "Remember, the same wind blows on all of us. It's the set of your sail that determines your course so set your sail for success today by learning the skills of success." I set my sails on personal development and it is something that I have been doing for years.  I'm always taking courses or reading books to further various skills and I encourage you to as well. One of my mentors, Matt Morris said several years ago, "Personal stagnation is the cause of decay and failure in most people’s lives." Spending so much time on those funny cat videos is a sign of personal stagnation. How you can make money watching Funny Cat Videos? Your not going to make money watching funny cat videos but if you take the time you spend on these types of mind numbing activities and do as Zig says, become determined to learn, then no one will be able to stop you.
07:17
July 8, 2019
Do You Have a FIRE Burning in Your Gut?
I believe I've been able to create the successes in my life that I have achieved so far is that I have the ability to dream big. A wise man once told me you will never live life beyond your wildest expectations until you first have some wild expectations. Most people lower their level of thinking because they've given up. I've found that success is largely dependent on desire. A burning desire is what you have to have in your gut to do what's necessary to succeed. Dreams are the fuel that fire desire. When you don't pursue your dreams a little part of you dies inside. What dream Do you have that puts FIRE in your gut? http://AIMHighWithKeith.com
11:31
June 25, 2019
Are YOU benefiting from the strong economy?
Are Americans benefiting from the strong economy?  A Federal Reserve study says 4 in 10 Americans say they wouldn’t be able to scrape together for a $400 emergency expense, and a quarter of Americans skipped some form of medical care in the past year because they couldn’t afford it. (Mary Altaffer/AP) What's up with that? This is supposed to be the longest period of sustained economic growth on record, yet millions of middle-class and low-income Americans still aren’t on solid enough ground to weather a some sort of economic storm in their lives. This year’s Federal Reserve’s annual report on household well-being identified the underlying fragility and exposed pockets of distress.  Almost four in 10 people (39 percent) said they wouldn’t be able to scrape together the cash to meet a $400 emergency expense. Even without any sudden expense, about 17 percent of adults said they would miss a payment on at least one bill this month. More than 6 in 10 said losing their job would mean they couldn’t cover three months of expenses, even if they took out loans, sold assets or borrowed from friends and relatives. Only 36 percent said their retirement savings are on track. Which means 64% aren't ready Almost a quarter of Americans skipped some form of medical care in the past year because they couldn’t afford it. 1 in 5 faced major, unexpected medical bills. About 4 in 10 of those folks were still carrying debt related to those bills. These stats cover 2018, when the unemployment rate averaged 3.9 percent, the lowest since 1969, and the economy grew 2.9 percent, matching its post-Great Recession high. Average hourly earnings grew 3 percent, easily the fastest rate since the recession’s end. How do you compare? What are you doing to NOT be one of the statistics. http://SpendingClass.com http://ProsperityRx.com http://AIMHighWithKeith.com
13:35
May 30, 2019
Special Memorial Day Message
"All Gave Some . . . Some Gave All" Remember to take some time this Memorial Day to remember those who sacrificed for our freedom. 
08:46
May 28, 2019
10 Tips to Achieve Anything You Want in Life
I’m no stranger to feeling stuck in life. When I wanted to start my own company, to share my knowledge about health, wellness and nutrition, it wasn’t as easy as I’d thought it would be. I failed 13 times before I finally succeeded. I decided to collect the lessons I’ve learned and to share them with others, like you, striving to better themselves. So, here are 10 tips for achieving anything you want in life. Even the biggest stars, richest business people or the most accomplished athletes get lost sometimes. What makes them motivated is the curiosity about how much better or faster they can get. So above all, be curious, and this will lead you to your goals and success. http://AIMHighWithKeith.com
09:11
May 20, 2019
Why some people have success while others don't
Why do some people have success while others don’t? Do successful people possess some supernatural powers that others of us don’t have?  Not really.  From a scientific view point we are all basically the same. We all come with the same basic building blocks of life and we all share the same primordial DNA.  The law of attraction is one of the more powerful tools that can be used to achieve success. This is where I believe the power of creative thought comes in. We must use creative thought to define exactly what success means to us.  First we must determine what our own definition of happiness would be.  Then we need to explore and start working on the skills needed so when the right circumstances finally come along, the Law of Attraction, we can be better prepared to maximize the universal power of thought to achieve the success we desire in life. http://AIMHighWithKeith.com
06:41
May 15, 2019
Riding the Horse of Circumstance
I heard a story about a man riding a horse at breakneck speed. It appears he’s going someplace very important. A man standing along the roadside shouts, “Where are you going?” To which the rider yells back, “I don’t know. Ask the horse.” This seems to be essentially the story I’m hearing from lots of people today. They’re riding the horse of circumstances, their habits or other people’s expectations. If that describes you, it’s time to grab the reins and move your life in the direction of where you really want to go. One of the defining moments of my life occurred 1988 when I somehow got a copy of a cassette tape recording of Earl Nightingale called The Strangest Secret. The central message was this – We become what we think about. That opened a door to a whole new world of possibilities for me that has never been closed. Lets dive a little deeper into this idea that, “You become what you think about most of the time” I would love to talk with you about what you REALLY want out of life. I would love to show you how you can make it a reality so you can become what you think about most. http://AIMHighWithKeith.com
13:36
May 12, 2019
3 Proven Fundamental Ingredients for a Winning Side Hustle
Whether you’re just starting out with a new business idea or you’ve been up and running for a while, today we are going to discuss three proven, fundamental things you can do to continue to grow over the long haul. Now we live in this exciting side-hustle economy where folks are making money doing what they love every day. Since 2013 I’ve been coaching folks on how to build a business from home —whether they’re working at their kitchen table or in their spare bedroom or building their business through blogging and even hotel events and conventions. So, what’s their secret? I can tell you that business cards, a website and a the latest computer and studio equipment are all well and good, but that’s not what will turn your hobby into a business! And once you catch that thrill of making your first sale, what will drive your business even further? Whether you’re just starting out with a new business idea or you’ve been up and running for a while, here are three proven, fundamental things you can do to continue to grow over the long haul. http://AIMHighWithKeith.com
09:09
April 30, 2019
3 Low Cost Ways to Build a Side Income Business
Seven out of 10 Americans live paycheck to paycheck. Since money affects every area of our lives, that means that seven out of 10 people around you, and very likely you, are stressed, strapped and strained every day. But it doesn’t have to be that way. You can break free from barely surviving by decreasing your spending and increasing your income. You may have already cut as much as you can from your monthly expenses, but when it comes to making extra money, there’s no limit to what you can do! I help folks start side businesses to do just that. You can turn your hobby or talents into a business that will create additional income for your family. With free social media marketing, there is easier access to the marketplace than ever before. Hundreds of side businesses are popping up every day, and people just like you are breaking free from living paycheck to paycheck with the extra income they are earning. So if your side business is going to help you get ahead in your finances, it has to make a profit for you. The best way to make a profit, aside from getting orders of course, is to keep your expenses way down. In this episode I discuss three easy things you can do to keep costs down as you build your business. http://AIMHighWithKeith.com
08:13
April 27, 2019
3 Aspects to Identifying your Self Limiting Beliefs
Today we are going to talk about 3 aspects to identifying your self-limiting beliefs. Limitations seem real when we lack faith and belief. With faith and belief, anything is possible.  Limiting beliefs are those beliefs about ourselves which constrain us in some way. Just by believing them, we think, or do or say the things that they inhibit. And in doing so we impoverish our lives. Limiting beliefs are often about ourselves and our self-identity.  In this episode we will explore 3 aspects of self-limiting beliefs. 1.) Defining What Are Self-Limiting Beliefs. 2.) Explore Some Examples of Limiting Beliefs in Business. And then, 3.) We’ll go through the process of identifying your own limiting beliefs.
18:24
April 3, 2019
8 Keys to Getting Out of your Comfort Zone
In today's episode we are going to discuss getting out of your comfort zone. Because, Your Success Depends on It. As soon as someone finds the strength to recognize the path that they need to take to exit their comfort zone and act upon that realization, their potential grows exponentially. The less time that we spend complaining or just thinking about what we should be doing and the more time we spend being the person that we desire to become, the more success we will find.  Thank you for watching this vidoe or listening to this podcast today. If you enjoyed this then please share and like and look for my podcast, ProsperityRx on your favorite podcast platform.  http://AIMHighForSuccess.com
18:55
April 1, 2019
What Happens When You Die? Why a Will is Important.
We know making a will isn’t fun to think about. Right? None of us are promised tomorrow, but many of us still live like we’re invincible. A 2017 survey found that nearly 6 in 10 American adults don’t have a will.  That’s crazy! The truth is, your loved ones depend on you to make a will—even if you don’t own multiple homes or consider yourself wealthy. In this episode we will discuss what is a will, why its important and what information is included in a will.  Bonus: When researching this topic I came across a helpful guide called 10 Steps to Writing a Will. If you would like a copy absolutely free send me a message at http://facebook.com/prosperityrx and I will send it right over to you. Bonus 2: As a loyal listener I’ve put together a free course for you that will walk you through the steps of setting up and following a spending plan so your family can also get on the road of financial peace and prosperity. To get it absolutely free visit http://SpendingPlanClass.com  Also if you want to learn more about how to create extra income by starting a home business, visit http://AIMHighForSuccess.com
14:56
March 28, 2019
3 Foundational Principles of Prosperity
In today's episode I discuss the 3 Foundational Principles of Prosperity Bonus 2:   As a loyal listener I’ve put together a free course for you that will walk you through the steps of setting up and following a spending plan so your family can also get on the road of financial peace and prosperity. To get it absolutely free visit http://SpendingPlanClass.com    Also if you want to learn more about how to create extra income by starting a home business, visit  http://AIMHighForSuccess.com 
09:36
March 25, 2019
5 Reasons Dave Ramsey and Suze Orman are RIGHT
Both Dave Ramsey and Suze Orman say you should only buy term insurance. They say that permanent insurance policies like whole life insurance are a bad investment. Because money you don’t spend on the wrong insurance policy is money you can save and use elsewhere! So on this podcast I will explain the difference between term and whole life insurance and the 5 reasons Ramsey and Orman say term life insurance is best. The Dave Ramsey Show where a fan asked Dave why he recommends term, and what’s the difference between term and whole life.https://youtu.be/c4lnaZJKGvU 39 year old man who recently bought a 1 million whole life policy, asks Suze what he should do instead. https://www.youtube.com/watch?v=AIdG7cwHo04&feature=youtu.be  If you are prudently planning for the future, that is paying down your debts and investing for the future, most Americans ages 20 to 50 won’t need coverage 20-30 years down the line. Dave Ramsey://youtu.be/gvjir8yxPUI If you want to learn more about how to create extra income by starting a home business, visit: http://AIMHighForSuccess.com
23:17
March 21, 2019
When you Aim High you set yoursef up to fail and its worth it!
Latest episode of ProsperityRx http://AIMHighForSuccess.com
05:10
March 18, 2019
13 Ways You Can Change Your Life - Episode 18
Any day we wish, we can discipline ourselves to make important changes in our lives. Any day we wish, we can open the book that will open our mind to new knowledge. Any day we wish, we can start a new activity. Any day we wish, we can start the process of life change. We can do it immediately, or next week, or next month, or next year. We can also do nothing. We can pretend rather than perform. And if the idea of having to change ourselves makes us uncomfortable, we can remain as we are. We can choose rest over labor, entertainment over education, delusion over truth and doubt over confidence. The choices are ours to make. But while we curse the effect, we continue to nourish the cause. We can all go from wherever we are to wherever we want to be. No dream is impossible if we first have the courage to believe in it. In this episode I share 13 ways how you can change yourself & improve your life. Now is the best time to start taking control of your Life! I’ll be covering many topics in this podcast to teach you how to improve and take control of your health. Topics that encourage saving and debt freedom. Be sure to subscribe to this blog and my podcast on iTunes, or your favorite Podcast platform to learn how to live healthier by to reducing your dependence on prescription medications, by getting all the essential nutrients you need in your diet to live disease free, so you can take control of your own health. Subscribe to this blog and podcast to learn how  to get wealthier by learning how, to save money, make a budget, pay off your debt, reduce your taxes, invest for your future, to take control of your finances. After all what good is your wealth if you have poor health? What good is your health if you have no wealth? Also if you want to learn more about how to create extra income by starting a home business that requires no startup capital, no pyramid that requires a monthly auto shipment that cost you money every month instead of creating money, and no selling of lotions, or potions or pills, or quick magic diet aids that melt away inches in minutes or other such scam promotions visit http://AIMHighForSuccess.com. Start Today!
15:15
February 26, 2019
15 Practical Ways to Save Money
Imagine how your life would change if you suddenly had money left in your monthly budget. What would you do with that money over time? Beef up your emergency fund? Pay off your car? Finally take the vacation you’ve always dreamed of? It can happen! Just take stock of your spending and identify areas where you can save. When you make a few tweaks to your expenses, you could be surprised at how much money you have left in your budget. In today's episode I want to share with you 15 Practical Ways to Save Money. _____________ Blog: ProsperityRx.com Do you find yourself wondering where your money goes each month?   To help you I have created a free course that takes you through the process of getting control of your money. You’ll learn how to track your household budget and find the money to get the life you really want. I put together this free 2 part spending plan class to walk you through the entire process. In Part One we discuss the budget process and explain the importance of the different steps. In Part Two I will walk you through the process by creating a sample spending plan and explain the process in more detail. Instead of wondering where your hard earned money went learn how to create a spending plan and gain control of your finances.  To enroll in this FREE class visit SpendingPlanClass.com --------------------- If you want to learn more about how to create extra income by starting a home business that requires no start up capital, no pyramid that requires a monthly auto shipment that cost you money every month instead of creating money, and no selling of lotions, or potions or pills, or quick magic diet aids that melt away inches in minutes or other such scam promotions visit AIMHighForSuccess.com.   
09:38
February 9, 2019
Is it better to set goals or resolutions? Here are 8 tips to help out. Episode 16
Why do most of us fail at keeping our New Year’s resolutions and what simple change can we make that will help us achieve what we want to accomplish in the future?  It’s important to set some intentions for positive change in our life for the New Year, to hit the refresh button, so we need to take a different look at how we set those intentions for this New Year. By definition, resolutions are more do-or-die which makes them more intimidating and more likely to fail. The definition of resolution is “a firm decision to do or not do something” or “the action of solving a problem, dispute, or contentious matter.” A resolution tends to be ridged and inflexible. More conducive to failure. Meanwhile a goal by definition is “the object of a person’s ambition or effort; an aim or desired result; the destination of a journey.” Just by these definitions alone, a goal sounds more attainable. Instead of setting a “firm” resolution that requires a very specific result we need to set a goal which is a part of a journey and enjoy the road to reaching a better place in our life. It’s better to set a goal, so we can evaluate our progress and adjust along the way rather than write off a failed resolution and give up on it.  ______________ Do you find yourself wondering where your money goes each month?  One of the first steps to achieving health, wealth and prosperity is to get control of your finances. And the first step to getting control of your finances is to create a spending plan.    Instead of wondering where your hard earned money went learn how to create a spending plan and gain control of your finances. To help you I have created a free course that takes you through the process of getting control of your money. You’ll learn how to track your household budget and find the money to get the life you really want. I put together this free 2 part spending plan class to walk you through the entire process. In Part One we discuss the budget process and explain the importance of the different steps. In Part Two I will walk you through the process by creating a sample spending plan and explain the process in more detail. To enroll in this FREE class visit SpendingPlanClass.com 
14:11
February 2, 2019
5 Steps to Prepare Financially for Retirement - Episode 15
74% of Americans Are Not Ready for Retirement. An estimated 79% of Americans work for an employer that provides a retirement plan, yet new research from the U.S. Census Bureau suggests that only 41% of those employees contribute to their retirement plans. Saving for retirement is not an area of strength for many Americans. Too often, meeting the financial demands of today means delaying, diminishing or simply never starting to save for the future. If the average person has to plan for 20+ years of retirement, retirement savings need to be a lot more substantial. The bottom line is that you should prepare to live a long time and save enough money to not only maintain your lifestyle but also cover unexpected health costs. In this episode we discuss 5 actions you can take to prepare no matter your age. Links mentioned in this episode: Free Spending Plan (Budgeting) http://SpendingPlanClass.com Dave Ramsey, Total Money Makeover: https://amzn.to/2FcT1lg ProsperityRx Blog: http://ProsperityRx.com Side Gig Income: http://AIMHighForSuccess.com
19:37
November 9, 2018
How a Side Hustle can Supercharge Your Financial Goals - Episode 14
How a Side Hustle can Supercharge Your Financial Goals. Links Mentioned in show: http://ProsperityRx.com http://SpendingPlanClass.com http://AIMHighForSuccess.com
12:08
November 5, 2018
Episode 13 - Do You Want to Fail or Do You Want to Succeed
Do you want to fail or do you want to succeed? In this podcast we are going to talk about defining your dreams. Until you know why the how doesn't matter. Check out the show notes at: https://prosperityrx.wordpress.com/2018/07/25/do-you-want-to-fail-or-do-you-want-to-succeed-post-419
08:40
July 27, 2018
The Mindset Pendulum
Visit my blog http://ProsperityRx.com for more information. On today’s podcast I want to talk about the “Mindset Pendulum.” What goes on inside your brain as you embark on the financial peace and prosperity journey. Once you have an understanding of what’s going on in the 6 inches between your ears then you have a better chance of recognizing how your thoughts affect your success and you will be better equipped with ways to change what Zig Zigglar refers to as “Stinkin’ Thinkin’.” You will be able to stop the stinking thinking and get yourself back on track. Now is the best time to start taking control of your money! I’ll be covering many topics to teach and encourage saving and debt freedom. Be sure to subscribe to this blog at ProsperityRx.com to learn how to save money, make a budget, pay off your debt, reduce your taxes and invest for your future. And if you found value in the information that I’m providing please like and share this with others.
06:44
July 25, 2018
Episode 11 - Independence Day 2018
Happy independence day! Over two hundred years ago there was a revolution. An American revolution; an event that literally changed the course of history. It was led by a group of unsatisfied people. A group of people that were tired of being told what they could do and when they could do it. People that were fed up with a lack of choices; the lack of personal freedoms; people fed up with their lives be controlled by others; fed up with being oppressed; fed up with being manipulated. They finally said enough I’ve had it and I’m not going to live like this anymore. Our ancestors were people that took full responsibility for what happened to them. It was that spirit that ignited a country, and formed what is now a giant in the free world. I have a question for you. Where is that spirit today? http://AIMHighForSuccess.com
16:28
July 7, 2018
Episode 10 - You’ve made the decision to get out of debt, now what?
Some people never get beyond this point because they don’t know where to start. The big picture is overwhelming, so people often quit before they ever write the first check to pay off a debt. But you don’t have to worry, because you’re about to discover the first step toward saying goodbye to debt! Before you learn this secret, you need to be forewarned: This step may surprise you. It will seem like the wrong thing to do. You won’t guess it offhand because most people don’t think it has anything to do with getting out of debt. Are you ready? Listen to this episode to learn more.
10:25
June 22, 2018
Episode 9 - 7 Baby Steps to Prosperity
I am a huge fan of Dave Ramsey’s baby steps from his book, The Total Money Makeover. It was the baby steps that helped us get rid of $140,000 in consumer and student loan debt, and we are not the only ones. Millions of people have taken his course and followed his baby steps as well, so you can be confident that if you follow these steps, you will build a strong financial foundation for you and your family. A foundation that will lead to peace and prosperity. Today we’re going to go over each step briefly and explain how they are so important to accelerating your path to peace and prosperity, financial independence. To help you figure out where you are in the process listen in for a breakdown of what each baby step entails.
16:27
June 19, 2018
Episode 8 - 5 Steps of a Zero Based Budget
Saving money isn’t a matter of math—it’s a matter of priorities. We often tell ourselves we’ll start saving once we reach a certain milestone, like when we get a raise, we pay off the car, or the kids move out. But without healthy money habits, you won’t save money when you get that salary bump, when you own your car, or even when the kids are grown. You’ll only start saving money when you develop healthy money habits and your future needs become more important than your current wants. It’s not as overwhelming as it sounds. Yes, it requires dedication. But with a few tweaks to your spending priorities, you’ll be on the fast track to saving money in no time. Zero-based budgeting is simple! It’s just a way of budgeting where your income minus your expenses equals zero. That’s all! With a zero-based budget, you have to make sure your expenses match what’s coming in during the month and you’re giving every dollar a name.
14:00
June 18, 2018
Episode 7 - Are the People in Your Life Keeping You in Debt?
On todays podcast let’s take a look at the, “Poor, Pittiful Me Excuses” broke people make. They have this belief, Why make more money? Uncle Sam will just take it all away. They believe the system is stacked against them, the little man can’t get ahead. I’ve even heard some folks say that If they earn too much they’ll lose their public assistance. They truly believe that other people are keeping them from success. So let’s overcome the “Poor, Pittiful Me Excuses,” by answering the question, “Are the People in Your Life Keeping You in Debt?” People. Sometimes you love ’em, and sometimes you don’t want to be anywhere near ’em. When it comes to your money, people can be a wonderful influence—like Dave Ramsey or your grandmother who never took out a loan in her entire life, even for those overpriced dentures she bought. But people can also drag you down. So who are the types of people you should be looking out for?
07:40
June 12, 2018
Episode 6 - 7 Characteristics of Debt-Free Living
Today let’s look at another attitude of broke people, "I Earned This." People that feel like they earned it tell themselves that debt is ok because "I work hard, I deserve it," or maybe they think "you’re only young once." And a big killer that drives people into debt  is "but we’re on vacation." That one has made the "Happiest Place on Earth, the Land of the Mouse" a lot of money.  Let’s talk about 7 Characteristics of Debt-Free Living and maybe that will motivate you to overcome the "I earned it excuses."  
09:48
June 10, 2018
Episode 5 - Reasons People Stay in Debt
On our last post we talked about 10 budgeting Myths and setting goals. Today let’s talk about some Reasons People Stay in Debt. Have you decided to get out of debt? Are you drowning in last year’s expenses and tired of paying for the past instead of planning for the future? You’re probably sick and tired of being sick and tired. You might even be angry at being in debt. Eventually, the stress of too many bills and the burden of debt piling up pushed you to your breaking point. Something inside "clicks," and you decided it’s time to make a fresh start. But what keeps people from getting out of debt? Why would someone want to stay in debt instead of living in freedom? Sadly, there are all sorts of reasons people choose that shiny credit card instead of being debt-free. Don’t fall for any of these! Links: ProsperityRx Blog: http://ProsperityRx.com Start a business: http://AIMHighForSuccess.com
15:08
June 8, 2018
Episode 4 - 10 Budgeting Myths and Setting Goals
Welcome to Episode 4 of the ProsperityRx podcast. We’ve all procrastinated when it comes to getting our financial house in order. The key to do it successfully is by creating a budget. However you’ve probably heard a lot of trash talk about budgeting over the years. Or maybe you tried budgeting in the past and didn’t stick with it each month. But don’t judge budgeting until you hear me out! Having a budget is essential to helping you beat debt and win with money. It’s the map you need follow to get where you want to go in your journey. First I want to debunk some of the top budgeting myths so you can start winning with money. Then I want to show you how setting some goals can get you the motivation to overcome procrastination. Let’s start with 10 Budgeting Myths You Might Be Falling For.
15:19
June 4, 2018
Episode 3 - How to Make Getting Out of Debt Fun for the Family
Welcome to episode 3 of the ProsperityRx podcast. This is pharmacist Keith Abell with your prescription for prosperity. This is a podcast where I give you hope. I show you the path toward building a life of peace and prosperity. To build a life that you don’t need a vacation from. In this episode let’s look at How to Make Getting Out of Debt Fun for the Whole Family You’ve had it—you’re finally ready to say "hasta la vista" to debt. But how can you get the rest of the family on board? The journey to debt freedom is going to be a long one, and you’ll need all the support you can get. Every family handles the journey differently. Here are three important steps you can take once you’ve decided to get out of debt. Now schedule a family meeting, hit these three points, and get to work.
07:21
June 1, 2018
Episode 2 - 10 Car Buying Tips
Two of the most common myths about buying used cars are that old cars just aren't as safe and buying used is just inheriting someone else’s problems. Buying a car is a big financial decision, and one you shouldn’t just rush through over the course of a weekend. It has everything to do with where you are in your financial plan. I have been buying used cars now for 20 years now without any problems. The last used car that I bought was in 2013 when I paid cash for a Cadillac CTS. Five years later I now have 200,000 miles on that car and I still absolutely love it. The key is to start your research with these 10 car buying tips to help you find an affordable car that also fits your lifestyle. Links Mentioned in this Podcast: Kelley Blue Book http://KBB.com Vehicle History http://VehicleHistory.com Carfax http://CarFax.com ProsperityRx Blog http://ProsperityRx.com Starting a Business http://AIMHighForSuccess.com
14:51
May 30, 2018
Episode 1 - 8 Excuses Broke People Believe
In this inaugural episode I discuss the 8 Excuses Broke People Believe about debt then I dive deeper into the first excuse and talk about creating an emergency fund and ways to do it. We also discuss the importance of an emergency fund and ways to generate the extra income to fund that emergency fund. Be sure to check out the ProsperityRx.com blog for links to books and websites mentioned in the episode.
13:17
May 16, 2018
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