Money With Clay: Recent Episodes
Clay
Join me as I talk all things wealth. To me wealth is about more than money, it's about living your life in a way that gives you maximum peace of mind. Let's focus on a lifestyle that will lower stress and raise the overall quality of life. Support this podcast: https://anchor.fm/moneywithclay/support
Merry Christmas! We have some new data out there that is prime picking for a special Christmas episode. I came across an article that gave me much hope and cheer about our giving nature as Americans. It's an encouragement for sure and something that I believe should be considered more deeply. What if we all had more money? What would that lead to you from charitable perspective? Given the data, it seems as though if we had more money there would be even more charity. The question then becomes, how do we all get more money? I have an efficient solution that requires nothing more than the government making a decision. Will they ever do it? One can hope!
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And yet again, we have the news media throwing out headlines that are vilifying a certain group of people for doing nothing wrong. In fact, it's the exact opposite, This group of people are in the situation they are because of the decisions and actions they've made that have been helping people! During this crazy 2020 there have been some instances where it can appear as some people are taking advantage of the system, but that's simply not true. If you want to be mad about this particular situation, then that's fine but please direct your frustration and anger towards the people who are 'actually' responsible for it.
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Home prices have been going crazy! While there are several reasons to this, the main driving force is the one reason that rarely seems to be talked about. Let's talk some real estate and economics so that you are able to have a rational discussion with someone who may not have a full understanding of the issue. This problem also illustrates the perfect example of how "good government intentions" can create unintended consequences that then, by necessity, spin out of control. Let's get to it!
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I'm all for a good "mic drop" moment every now and then, and upon reading through an article there was an absolutely beautiful "game over" comment made. Sure, these moments are entertaining but when you peel pack the layers of the comments made, it offers some truly solid life advice for anyone with even a shred of ambition. To set the context, a reporter was talking with Eric Schmidt (former Google CEO) and questioning "the system" on what allowed him to become a billionaire. After a particular comment, he didn't' to put an end to it all and levy what was an undeniable fact about how he became a billionaire. It was a beautiful sight and reveals what everyone should always be striving to do in regards to approaching any choice they make. Let's get to it!
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It’s here. It’s time to shop! Everywhere I look I see Black Friday deals and previews of Cyber Monday deals. Let the chaos begin! While I don’t want to come across as a Grinch, I do want to give you a few things to consider when it comes to shopping. While I understand a 70% off deal may seem like a “good deal”, in many situations it’s not! In fact, not only is it not a good deal, it will also be setting you behind in many other areas of your financial goals and dreams. This may seem contradictory given you’d be saving 70% on something, but let me explain a common trick that our human mind plays on us which puts us backwards instead of launching us forward!
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Would you at least consider the thoughts of someone who is a billionaire and has 250,000 employees in their company? I would hope so! Sure, we don't want to blindly follow anyone just because they have a huge net worth; however, I believe it is wise to at least hear them out and come to our own conclusion. In this episode we talk about four traits that Jamie Dimon believes creates success and overall effectiveness. The good news is these are traits that we can all implement. For some of us it may be harder than others, but that does not take away from the fact that with a focused effort, you can work on these traits and put yourself in the best possible position to succeed. Let's get to it!
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Is the world going crazy? I get it. We are living through some very crazy times right now; however, I believe people need to take a step back and reconsider some of the logic being used. Now, if you believe the government is super efficient and can spend your own money better than you can, I suppose you'd be okay with this idea, but me personally, I believe I (and you) can spend your own money the best and most efficiently. A recent research report has come out and its conclusion.... if you work from home, tax you 5%! Unreal. Let's talk about it.
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If you're not aware, we are living through some pretty drama filled times right about now. It's several days past election night and we still don't know who won. Even after one side wins, you know the lawyers will be out in full force, so there is a long road apparently ahead. But you know what? Who cares? I don't. If you are a listener of this show, you shouldn't care either... why? Well, I have very good news for you, it's all about the person in the mirror. Here's why I don't care who wins and why you shouldn't either...
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All I can say is WOW! How would you react if you were rejected 80 times? I can admit that it is easy to sit around and proclaim how tough you would be about it, but yeah, in reality... would I? If you need some motivation and inspiration to keep on fighting with whatever goals you have in life, business or school, then this is an episode for you. Seriously, it's absolutely crazy when you stop and breakdown just how significant even a single "no" would be, but I mean... 80 of them??? Pure motivation!!!
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This was a fun episode to do as it mixed what I found to be some valuable information with some... embarrassing humor. The question really becomes, have you ever used any of the nine phrases? I'm guilty of a few and yeah, looking back at it... I can totally understand and see the value in NOT using them! Being able to effectively communicate is a huge stepping stone to give yourself an advantage in business (or just life in general), and avoiding these nine phrases with help you improve that much more. Let's learn what to avoid and then by default, make us better communicators!
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Last week I talked about learning about the policies of various politicians, especially given the current times we are in. At the core, let's be well informed voters who are making decisions based on logic, information and reasoning, and not on emotions. If you're not aware, for those of us in the USA, we have an election coming soon and there is a policy floating around out there that not many are aware of. If you listen to this podcast, I would assume you have ambitions of growing wealth and creating control for yourself through financial freedom. The very little talked about policy is a double taxation that directly affects those looking to grow wealth, particularly by means of the stock market. I want you to vote however you choose, but please be aware of this policy and how it could directly be affecting your wealth building goals and ambtions.
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I have one request to make. Please give yourself the credit you deserve in your ability to critically think. If you're not aware, we're in the middle of an election cycle and I must say, people on both sides are demonstrating some very lackluster reasonings for doing what they are. I'm all for voting for whomever you want, but I mean... come on... at least put some critical thought behind your choice.
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Whether you are playing a sport, instrument or building a business, having an edge is what we all should be seeking in order to help our odds of success. The problem with "getting an edge" is they are not what most people are willing/know to do. I suppose, by definition, this is why it gives you an edge, because the majority of people don't know to do it (or don't want to). I came across an article that shared some solid research on a skill that while not always pleasant to endure, can certainly help give you the guidance to need to give yourself that edge you seek and put yourself in the best position possible to succeed. Let's get to it!
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In episode #112 I talked about a little trick Charlie Munger (Warren Buffet's business partner) uses to find success. He said that people need to "invert" in order to identify the actions they should take that will help them be successful. I want to take that principle and apply it to this couple's unfortunate situation. The most frustrating part about it is it was totally preventable had different choices been made. While I'm not trying to kick this couple while they're down, I do want us all to learn about what needs to be avoided if you care about building wealth and taking control of your personal finances.
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These are the types of news stories that make me proud to be an American! If we're all honest with ourselves, I don't think anyone would be shocked to see the results of some newly released research as it truly goes to show what our culture is all about. In fact, when you know a society is built upon the foundation America is, you can begin to think in ways that ask the question, "can we make it even better?" The answer is... YES, absolutely! The problem is, the government doesn't really like or want us to realize the answer. Let's talk about it.
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I'm keeping this short and sweet. If you come across people that view people in the way I discuss... please run the other way! All it will lead to is a lack of productivity and a mindset that does nothing other than "hold ya down"... let's go!
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If you could ask a billionaire what they learned from another billionaire, would you? I would! While I don't believe in blindly following someone's advice just because they have a huge net worth, I do believe it's as least wise to consider and reflect upon what their advice is. In this situation, I feel a bit of vindication as this advice that is given is something that I talk about quite a bit. I firmly believe in the advice given not only from a "theory" standpoint, but also, from a "experience" standpoint. I have this structure in place within my daily life and I will say it makes a massive difference and keeps me moving in the direction that I strive to be moving. What is this advice? How can it benefit you? Let's get to it....
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Maybe you are not aware? There seems to be a whole lot of disagreement in the world today. It takes about 1.4 seconds on social media to realize the amount of disagreement that exists. Let me state upfront, there is nothing wrong with disagreement at all... in fact, I would say it is healthy to have disagreement. This is where things get tricky, however. Having disagreement when people "know how" to disagree with each other is awesome because it can make things better and more productive, but on the other hand, when those two people do not "know how" to disagree, well... take a look around social media. How can people disagree BUT still be productive in their disagreement? It's possible and there are some interesting tactics out there from the world of "how to get the job" that translate nicely into the real world. Let's talk about it and all strive to do a better job when coming across someone you disagree with.
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The topic of CEO's and in particular, "how much money they make" is a pretty polarizing topic. While I am willing to listen to and try to understand everyone's opinion on the topic, that doesn't mean I have to agree with it, especially when the opinion is filled with an overall toxic mindset. A new study was recently released that seemingly makes CEO's evil because of all the money they make. On the surface I can understand how people form these opinions; however, a good still to have is critical thinking, so we need to do a bit of that. When you think through the realities of the situation, I'm not sure why anyone who feel so negative about it. Let me give you my opinion and thoughts on why I 100% believe CEO's are friends and not the enemy.
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We've all heard the saying, "a mother knows best", and in this situation I will have to fully agree! The advice this mother gave her children is oh so simple, yet, extremely powerful and freeing. How freeing? Well, the kids who listened to this advice and applied it throughout their lives have made some impressive strides. Perspective and attitude are insanely powerful and when you flip on the right switches of perspective in your own mind, you can (as you'll see in the article) essentially do whatever you want. Share this advice, adopt this advice and surround yourself with others who have this philosophy towards life and you'll notice some big changes in your own life! Feel free to complain, but after you do... this mom would ask you only one, powerful/freeing, question...
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Before you listen, guess.... what do you believe is the common similarity among groups of people who routinely live past the age of 100? I'm willing to bet that you will never be able to guess it. I had no idea and can't say it even remotely came close to crossing my mind; however, upon learning the science behind this "thing", it totally makes sense! While I realize this podcast is geared more towards personal finance and wealth building, I always argue that health goes hand-in-hand given healthier people can be more productive. And then of course, the more productive you are the more control you can bring to your finances and the more wealth you can create. Let's get to it!
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How is it possible that while the economic numbers such as unemployment are "soaring", some people in the world are getting richer? What is this recipe that wealthy people use to make this possible? Let's talk about the ingredients that go into this winning recipe and what all is required. Here's a minor spoiler, it is a recipe we can ALL follow and make happen in our lives, we just need the right ingredients... which again, we all have access to. Let's get to it!
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One word, but insanely powerful when you sit back and think about the concept: invert. I stumbled across a quote from a famous investor who is worth billions of dollars and that was his advice, "invert". As I've said many times, just because someone is worth billions of dollars does not mean we should blindly follow their thoughts, but they're certainly at least worth listening to. The best part about the advice to invert is this: we all have the ability to do it... in fact, it's a skill we are actually taught from a young age. Whether we are talking your personal finances or just life in general, if you take and apply this advice, you'll be putting yourself way ahead of most people!
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Health and wealth fit perfectly together. When you are healthy, you will have more energy... when you have more energy you can get more done... when you can get more done, being able to take control of your life and finances because that much more efficient. In my opinion, many times get way too focused on wealth and lose control of their health (myself included), which within the big picture of it all is the most important thing. I've been there, so no judgement from me if your health has fallen off the rails, but I want to share some "habits" with you from a 80 year old doctor that I can attest to... do work!
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I want to wish you all a Happy 4th of July weekend and offer up some thoughts on just how great our country is! Let's do a quick little history lesson which I believe reveals the essence of our DNA as Americans and should offer us all hope and motivation to go out there and "make it happen"!
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It's never too late to start. In fact, one of the most annoying and worthless excuses you can give to someone is, "it's too late for me..." SHUT YOUR MOUTH! Sure, it might not be the most ideal time to start, but that does not mean you shouldn't start. The only way to take control of your finances and life is to well.... START taking control by putting yourself on the right track. Let's talk about some of these actions you should be taking in order to begin turning your life into one where it's not controlling you, but you are controlling it!
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Ambition is awesome! Ambition is what drives innovation and has the power of changing someone's entire situation for the better. Unfortunately though, ambition has a darker side that can take shape in some very tragic and sad ways. I am all for ambition and for people getting out there and "taking control" of their life through goals and aspirations; however, ambition must be understood and balanced in order for the desired outcomes. A newly released headline tells a sad story of a younger person who was acting out of ambition, but, got way too far ahead of themselves leading to a worse case scenario outcome. Let's walk through some of the lessons we can learn from this and how to be as wise as possible when it comes to being ambitious.
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Harvard has done quite a bit of research on "emotional intelligence" and why it is so important. While I certainly do not believe in blindly following research or someone's opinion, there are some instances (such as this) where it's worth at least considering what is being said. I am by no means perfect in all these areas; however, through some of my own experiences, I can attest to the fact that having emotional intelligence in several of these areas has served me well. Iron sharpens iron so let's talk about these areas and how they can help us all improve no matter what we are doing.
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Imagine it. Not only do you have no money, but with no money you actually still owe other people money! How crazy and scary is that? To be totally broke to the point where your bank accounts have a negative sign in front of them? As sad as it is, it can happen to people who make certain choices and I don't want to see that happen to you! The uplifting and encouraging part about all this is you can totally recover from it. No worries, I'm not going to be "talking in theory". There was a recent article released that documents how someone went from a negative bank balance to doing very well for themselves. Not only is it very motivating, there are also several learning lessons that we should take note of and be sure to consider applying to our own lives. Let's get to it!
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Whether you want the responsibility or not, it doesn't matter. The fact is this: YOU (yes you!) are a business owner and CEO. You might not think so given you don't run a company that offers a product or service; however, this is a false understanding of reality. The reality of the matter is you 100% "do" offer a service/product and you need to make sure it is worth as much as possible. All successful people are great at operating this area of their life and I want you to do the same! Let's discuss how you can run your business at maximum productivity.
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Well... here we go again! The typical attempted media manipulation to pull the puppet strings of people as they try and convince us just how evil these rich people are. What makes it oh so worse is that these billionaires got even more money during this pandemic! You know what? That's awesome! Good for them! Yes, this may be cruel, but if you don't understand why/how the rich got richer over the past two months, you need to cut the puppet strings away from you and learn how to do some critical thinking. So let's do just that... let's think through how this all happened and why it is so motivating!
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I know I do quite a bit of ranting on most episodes, but you know what? You need to give credit where credit is due. The millennial generation sure does catch lots of flack (including from myself); however, in this instance they deserve to be commended. Thanks to some new data that has been released, we have an example of some overall good decisions being made. If I can accomplish only one thing with this episode, I hope it offers encouragement to keep on going (or simply GET STARTED!).
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When times are good... well... times are good! It's human nature to behave in ways that, at the core, are not very wise from a risk perspective. Sure, you have lots of people and "gurus" out there talking about all the glamorous dynamics that arise from behaving in certain ways, but the "devil is in the details". As we continue to go through the economic drama created by the Covid-19, unfortunately, some people are meeting the devil and quickly realizing just how nasty things can become. I truly hope these stories serve as a wake-up call to those people who are tempted to get careless with their finances when things seemingly seem "okay" to do so.
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Well, I woke up this morning, read a quote, my blood started boiling and here I am doing a podcast. These are the things that perfectly illustrate why I do this podcast. I want you to be in full control of your personal situation and have the freedom to got about it the best way possible. Unfortunately at times, there are instances which I'll talk about that really point to flaws that need to be addressed. At the end of the day, the question becomes are you doing everything your power to give yourself full freedom, or do you need protection and control from others?
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When you allow yourself to become a sheep... this is what can happen.
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Do you consider yourself a lucky person or an unlucky person? Regardless of what category you would put yourself in, there is some interesting research available which suggests "how" and "why" you are lucky or unlucky. The good news is that if you are someone who is unlucky, there are several strategies you can use to turn yourself into a lucky person. If you are already lucky, well then, these researched strategies will get you that much luckier. Maybe even the best news is this... the strategies are not complicated and they are things that require very little skill or understanding. In other words, you have no excuses! It's time to bring luck (or even more luck) into your life! Let's go!
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For those of us who are open to it, there are potential goldmines sitting right at our fingertips. The key to discovering these goldmines is to use a strategy that many successful people use in a variety of ways. To explain this better, billionaire Ray Dalio takes us through his strategy of turning himself into the most efficient beast as possible. When I billionaire speaks, I am certainly going to listen and I can verify that his strategy works as I've done it over the years to grow my business ventures. All I can say is.... "tear it apart!". Let's go!
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It's time to get out our time machine and transport ourselves into the future and learn! When someone with more life experiences chooses to share some of their regrets (especially when the person is actually a millionaire), I believe there is value in at least listening. Usually we hear about older people having regrets of "not saving enough" or things of that nature, but the unique twist here is this person is already a millionaire. What do they regret and is there anything we can learn from it? Absolutely. Be sure to give it a listen and as I discuss.... be HONEST with yourself!
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As the crazy times around the world continue, the amounts of fear and concern are running rampant. In all actuality, it's OK to be scared and you should be! As human beings, we are wired to "be scared" as it helps us in many different ways; however, there is also a whole lot of gray area that can cause problems. I want to walk through a couple chains of logic here that will help you realize that while it is perfectly normal (and wise) to be scared, you don't need to be "that" scared. We can't let the emotions created by fear and panic overwhelm our ability as humans to think critically with common sense. Sure, at times like this it can be difficult to do, but it is completely possible! Let's get to it!
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How nice would it be to be retired already in your mid 30's?!?! That's pretty crazy and the most powerful part is, it's actually possible! Of course you absolutely you need a game plan and strategy to make it happen, but once you have the ball rolling, the numbers can add up quickly in your favor. Let's take a look at what I find to be a very inspiring and motivating situation and learn more about the suggestions and tactics they've used to turn this dream of "retiring young" into a reality.
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Have you heard of this thing called "the coronavirus"? It's kind of been talked about in the media a little bit, so I wanted to give you my thoughts on the stock market and how I am approaching the situation. Let's take a breath and walk through all of this in a slow, calm, and calculated way by using logic and a bit of common sense. What am I doing as the stock market crash and why? Let's talk about it.
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When extremely successful people offer tips and advice, we should listen! Take note, I did not say "blindly follow" as we need to be able to do some critical thinking on our own, but without doubt, we should have the wisdom to at least listen and consider. A very well known billionaire was recently interviewed and was asked to give "one tip" for success. He gives a tip that he says will increase your worth by 50% and through my own personal experience with it, I can offer up confirmation that it's a great tip! If you're ready to start to make yourself more valuable and create more worth within your life, then this is something that ANYONE can do, you just have to choose to take action on it.
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A newly released survey suggests that there is much improvement needed in people's lives when it comes to their understanding and approach to personal finances. I certainly don't blame these people as the education system we have in place is... well.... lacking (I'll save that for another episode); however, that does not take way from the fact that people are struggling when it comes to finances and building wealth. What is the solution to all of this? Let's talk about it.
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Fidelity recently released new data from the customers and it's great news for many... they're millionaires! This is the kind of stuff that keeps me motivated and inspired to stay strong with the plan, be patient and stand firm with discipline. For some people though, things are not looking so great, so the question becomes, "why not?" By focusing on this question, we can learn how to avoid the problems and ensure we put (or keep) ourselves on the pathway that has worked for many others. Ready to become a millionaire? Let's go!
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When you are looking to make a purchase, what do you consider to be "large"? We have some new surveys released this past week which point out a couple massive red flags within people's personal finances. If you're looking to build wealth for yourself and take control of the system (and make it work for you), then you need to be honest with yourself about where you fall in with these statistics. I have nothing but respect for you if you are currently waving a red flag. You can't fix a problem unless you first admit there is a problem, so let's take a look and see how we can all make our situations better!
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The writing is on the wall (in increasing fashion) for a glaring "problem" with society in general. "Problem" is not necessarily the best word due to perspective. For those of you with a game-plan and some patience, this "problem" in all actuality is going to be a great opportunity for you to take advantage of. Even if you are not currently in the market to take advantage of the opportunity, there are some interesting behaviors being displayed which I believe should be avoided at all costs. They are extremely short sighted and will keep you in the hamster wheel your entire life if you don't change. Let's learn about this opportunity and learn why you need to avoid this certain behavior.
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I like having money in my savings accounts, how about you? Wouldn't it be nice to be able to open up your online banking and have a nice chunk of money staring back at you? Thanks to some newly published research, we have a "look behind the curtain" at what wealth people with big saving accounts are doing to... well... accumulate all that money. The research points out two driving factors that allow for people to maximize their financial well being. It's hard to grow wealth when you don't have any cash in the first place, therefore, it's more than logical to start at point A: saving cash. Let's take a look at how successful people do it.
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It's time to use some science to improve our mental abilities and get more productive. Whether you are talking about work, home, hobby or anything, the human mind plays a massive role in determining the outcomes. I'm by no means perfect when it comes to understanding the mind, but this article (using science) does a great job of illustrating some of the mental traps that people can easily fall into. I know I could certainly relate to some of them and it's now time to improve. I hope you're with me! Let's go!
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It's amazing how powerful and influential a single statement can be. Investing great Warren Buffet shares one sentence that one of his mentors told him that helped shape and mold his life. I must agree though. I am without doubt going to take this one, simple, sentence and apply it to my life as it truly "make sense" on so many levels!
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If you're looking for a New Year's resolution, I have an idea for you. I've talked it this strategy many times before; however, there is now a bit more context regarding it after a some newly released advice from someone who has found great success in the world of business building. Sure, it may sound a bit backwards and goofy, but there can be great power when you start with the end. Let's talk about it.
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When it comes to life and our perceptions of "things", in this situation Christmas gifts... sometimes doing the exact opposite of what society suggests is the better route. There is some new research available that is actually quite comical in certain ways; however, it does help give some valuable lessons within personal finance and wealth building in general. But yes, sloppy is (apparently) better!
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There was a newly released "data dump" and the conclusions taken from it were mind boggling. I'm objective and can admit that, sure, maybe their conclusions are true; however, to not even mention the other possibilities of why this situation exists is laughable. This mentality of "blaming the tool/system" instead of the people in the mirror must stop if people want to actually get ahead in life and begin building wealth.
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If I lost it all and had $0 to my name and needed to start all over... what would I do? There is a huge opportunity out there right now that could make you up to (maybe more) $65 per hour. Let's talk about it.
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While I realize the idea of "saving money" without needing to sacrifice anything seems too good to be true, in this situation, it is not. The problem with saving money is most people automatically believe you need to make crazy sacrifices and are not allowed to "have fun". This could not be any further from the truth. Let me show you how to save money in a way that will actually pay you ("a penny saved is a penny earned") whenever you are deciding to make a purchase. This is a money making strategy that has actually profited me over $2,000 since I've began doing it. To know that I have saved so much money while not needing to make any sacrifices is a great thing. The best part of this money saving strategy is that anyone can do it. There are no special skills needed or requirements, you just need to have the desire to save money and use a special tool that is freely available to everyone. This money saving tip will cause you to look at how you can save money in an entirely new perspective.
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Well... the harsh reality is that with some newly released data, quite a few people out there are going to be working for the rest of their lives. As someone who believes their is great value in being able to "look into the future" and learn from what other people are experiencing (regretting), this new data give us exactly that. I get it. When you're wrong the topic of retirement seems bizarre and totally irrelevant, but looking into the future reveals that fact that most people WISH they would have been more focused on it. If you are like me and have goals of laying on a beach someday sipping a drink, yet, STILL making money... then you will definitely want to avoid what these people have done.
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As nice as it would be to never make mistakes and do stupid things, it's not reality. We have all done dumb things, so it becomes a question of whether or not you can recover from the stupidity. The answer is, without doubt, that you certainly can. I want to introduce you to a couple that was extremely stupid at the start of their financial journey; however, they were self aware enough to acknowledge their mistakes and then made the choice to turn things around. This is the stuff I find super motivating and inspiring and I'm confident you'll feel the same way. Here's a little spoiler... they were able to turn things around despite that fact they went from a two income household to a one income household. In other words, NO EXCUSES. Let's go!
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Want to get ahead in life? Looking to make yourself more attractive at work to get more responsibility and promotions? A psychologist provides some excellent pointers in making yourself a bigger asset in life. Whether that be at your job or as a parent, there are some great tips that were made that I now realize I need to be working on and making improvements with. It was a short article, but it was powerful in some very practical solutions and tricks to put yourself on the fast track to "get ahead" in life.
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Wow! I think it's safe for me to assume that we all would prefer to avoid making a mistake that ends up lasting for 18.5 years! A new study was just released in regards to "financial regrets" that older Americans have made. Although I've talked about this topic many times before, this new study (yet again) shows the importance of giving serious thought before taking action when it comes to this financial decision. Maybe you've already fallen into this pit, and that's okay, but as a society we need to empower people with knowledge and information so that they don't repeat one of the most regretted money mistakes people make!
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I think we can all agree that someone who starts out scraping gum from under desks to making $66 million dollars per year is a person who more than likely has some solid wisdom. In particular, how exactly did they put themselves in a position to continually grow and expand their horizons. This person is way more successful than I am and these are the type of people I find great value in. This person shares 10 traits they've used and learned about over the years that have turned them from janitor to CEO.
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The next time you come across someone who says (or implies) that "the system" is rigged against normal people, PLEASE send them a link to the article I talk about in this week's episode. It's amazing how when you make good decisions and combine them with the willingness to hustle and grind, great things can happen... thanks "to" the system! Regardless of your age or status, the lessons we can all learn from Jessica and her story are pure motivation!
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Let me keep this short and to the point... in no way, shape, or form is something advertised as "free" actually "free". Especially when the government gets involved. There are lots of policies and ideas centered around the idea that "the government will take care of it"; however, let's do a bit more critical thinking and reverse engineer the process of what is, in all reality, happening.
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Greed is a savage emotion. It can (and will) wreck any kind of ambitions you have towards building wealth and a life that you are in full control of. Just how nasty can greed be? Thanks to a newly released article from The Wall Street Journal, the industry of "car payments" is spinning out of control and causing people to make decisions that can't be explained other than greediness. If you are someone who is thinking of doing anything discussed in the article, then please... I'm begging you, think critically and realize all you are doing is rigging the system completely against you! Let's be wise and make the system work for us.
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Perhaps you will disagree with me on this topic, but that's okay. Progress is made in all solutions by hearing multiple opinions and viewpoints. That's what I want to do here. I go through a recent article and present my thoughts and viewpoint on it. I'd like to think I make a strong case for why I believe what I do, but I'd love to hear your thoughts on it too. The question to consider: whose fault is it?
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Let me state the obvious: life can "get hard". When this happens to you, will you be prepared to caught off guard and be forced into even harder circumstances? On the bright side of things, according to the statistics, there are people out there fully prepared to weather any financial hardships if they should strike. On the other hand though, there are some insane statistics out there about how not only would be fail to be prepared, but worst yet, their solution to the problem is about as scary as it gets. It's time to be honest with yourself and see where you fall into this extremely important area of building and growing wealth.
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Warren Buffet's secretary pays higher taxes than he does? Have you ever heard this before? I know I have. There was just a newly released proposal to address this issue and I want to take a deeper look into how all this works. It may surprise you (sarcasm font), but politicians on both sides of the aisle misrepresent issues and how they "actually" work. Let's take a look at this idea that rich people are evil and greedy because they don't pay as much taxes as others.
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It has been a while since an article has really gotten me fired up, but the streak has come to an end. When I see garbage like this being floated around, it makes me furious and sad all at the same time. Our goal should be to identify the problems so that we can find and apply solutions. However, when I see stuff like this being published that falsely assigns the blame elsewhere, it's no wonder why some of these problems we see out there in the world continue to spiral more and more out of control. Sure, it may not be easy to hear at first, but oh well... if a dose of reality can set people on the right pathway, then that's what we need to do!
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I'll be the first to admit it is not necessarily enjoyable to receive criticism of ideas or products/services that you have put time and effort into. Criticism is part of life and in all actuality, should be embraced. How so? According to Ray Dalio (worth billions of dollars), you should view any type of criticism as an opportunity. Through my own personal experience in life, I can attest to the fact that what he says is definitely true. Again, criticism may not be enjoyable, but it is worth it when you have the right attitude.
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Listening to those who have "been there, done that" can be extremely beneficial. Thanks to this therapist sharing some of her biggest regrets in life, it gives all us "younger folk" the opportunity to avoid these same things. While I do not necessarily agree with all here regrets; however, there were a couple things said that really opened my eyes. Give this a listen and be honest with yourself in regards to where you stand with each of these talking points.
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When it comes to financial matters and building wealth, I believe it's very logical to listen to what someone worth billions of dollars has to say. I don't believe you should blindly follow anyone; however, understanding why they are proclaiming what they are is always worth considering. In this case, the billionaire giving the advice lays out some solid reasoning as to why you should be at certain milestones in your financial journey by particular ages. So, the question becomes, how are you doing in regards to the $100,000 by the age he outlines? If you're behind, no worries, there is no better time to start than NOW.
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A new survey has been released that reveals the start of a much bigger change in thought process towards a massive problem that is currently plaguing society. It's amazing how free markets truly do work themselves out, even when they aren't totally unburdened by external forces. I can only imagine how if you removed one piece from this puzzle how much quicker the problem would fix itself, but regardless, it is very encouraging to see people begin to "wake up" to harm they could potentially put themselves in by following the "common pathway" that society has been shoving down their throats. Perhaps you've already been thinking along these lines but feel a bit "odd" since it seems no one else thinks like you? Rest assured, the statistics are showing that while you are ahead of the curve in your thought process, you are thinking the way you should! Let's get to it!
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I can only speak for myself, but whenever someone who is worth millions of dollars and in charge of one of the world's biggest companies gives advice, I am certainly going to listen. Doug McMillon, CEO of Walmart, recently gave his thoughts and advice on getting promoted. Although I am not seeking a promotion at work, I still learned a lot from his advice and it really opened up my eyes in regard to how I should be approaching business and life in general. If there is one person who knows a thing or two about working your way up the job chain, it'd be the CEO of the #1 company on the Fortune 500 list, so let's get to it!
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I actually recorded this on a Saturday afternoon. A very bizarre time to be sitting alone in my office talking to myself, but as I mention on the episode, this particular article really stirred up several emotions. To know these situations are occurring is very sad, but at the same time, it makes me angry and frustrated.... but again, at the same time, I also want to be compassionate. Bottom line is this: we should ALL be aiming to have full control over our money and lives so we can prevent this from happening, or put an end to it as soon as possible!
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The more I think about the logic and cited sources in this article, the more I want to do a Part 2 and continue my ranting. While the article deals with kids still living at home with their parents and being financially dependent on them, there is an underlying "attitude" that is just sad. I'm by no means a perfect person, but some of the things said in the article have me scratching my head saying, "wait, did they really just say that???" Politely put, I'm going to have to go ahead and disagree with about 98.4% of this article and the logic and reasoning being used.
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Just because the research comes from Harvard doesn't mean I always automatically agree with it. In this situation not only have I experienced much of what they are talking about, but I've also screwed up quite a bit too. Perhaps you already have the art of asking for advice figured out, but one thing is for sure, I don't! I found this article and research to be very practical in regards to simply making your life more efficient with good decisions.
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Because of my other business, the science and research talked about in this article I can say was 100% accurate from my experiences. From a logical standpoint, you wouldn't think the problem is actually a problem (you'd think the exact opposite), but in a weird way it is a massive problem that consumes people and essentially paralyzes them in uncertainty. I have no problem ranting and raving about opinions and such that I disagree with; however, in this case, I will give credit where credit is due, this guy offered up from great advice!
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Knowing you would be getting $94 million dollars over a five year period, what would you do? Would you behave and conduct yourself like this NBA superstar is? When it comes to wealth building and putting yourself in the best possible spot to succeed, despite what society and culture may make it "seem" like, following this multimillionaire's approach is a great first step. And no worries, this "approach" has nothing to do with being able to run fast or jump high, it is something that each and everyone of us have the ability to do. It's time to stop being a puppet of the banks and society and begin to think for yourself.
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Some interesting research recently was published in regards to billionaires and multimillionaires. One part of the research was asking those people what skill they believed was most important in creating their success. Would you agree that the answer to this question would be very beneficial? Here's the best part, it is something that we can ALL do. In other words, they didn't answer "I was just born a genius".... it's nothing like that at all. I am currently working on this very skill and I hope you choose to join me in pursuit of it!
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Never did I think I'd be admitting to this, but the story of this 20 year old "shopaholic" is quite motivating and inspiring when you look beyond the surface. I would have never imagined there would be so many solid and practical learning lessons within this article I go through, but wow.... there are some talking points that reveal many of the keys to building wealth and taking control of your life. All coming from a 20 year old shopaholic? Yup! Crazy stuff, but you gotta give credit where credit is due! Let's get to it!
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There was a newly released study on what scams are causing people the most headaches and near the top: Nigerian prince scams. At this point in time, I have no idea how people can be falling for this, but hey, it's a good talking point so let's discuss it!
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I received a comment on YouTube about how regulations are needed in order to protect society from greedy companies. It brings up an interesting talking point for sure; however, it also present the opportunity to illustrate how you can logically approach and offer a counterpoint to something you may disagree with. There is no need for name calling or mud slinging, all that is required is breaking down the claim and then ensuring all the pieces fit together. In this case though, a tiny spoiler, the pieces do NOT fit together.... so let's talk about it.
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A buddy of mine made the statement: "numbers are just numbers" and while we did joke around and give him a hard time about it, in my mind at least, it was a brilliant statement. Given the scary statistics that seem to come out more and more these days, I think it's always wise to go back to the basics every now and then. Apparently, many people are not aware of how the numbers actually "are numbers"...
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Looking into the future, I'm a bit nervous with how this is all going to play out. I'm assuming millennials don't want to work the rest of their life, but when 62% of are on track to have $0.00 saved up for retirement..... ummmm.... that is going to be awkward! In all seriousness though, you better get a plan that actually works and stop trying to justify the poor decisions that are apparently being made. No one is perfect, but having something hit you between the eyes ,and then continuing to do it anyway is where my compassion card flies out the window! Time to do some learning from other people's "choices".
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This is some great stuff! Well.... at least I hope you find it motivating and inspiring. Sadly, some people do not find it very motivating and actually take the exact opposite stance on it. As always, you are more than free to have your own opinion on it, but I wanted to share my thoughts on it and why I find these numbers so inspirational. There was a question asked by a Congresswoman, and yeah.... I REALLY wish I was there to give her my answer... okay, I won't spoil anything as much as I want to rant about it right now as I type this. Let's get to it!
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It's always a hotly contested issue and while I do understand both sides of the debate, I want to step away from "opinions" and focus more so on basic and elementary economics. My aim, as always, is to be as clear and logical about my thought process as possible. I make no promises you agree with it, but I did try to present it in a clear manner. What are your thoughts on the minimum wage and such?
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This is some scary stuff. The type of logic and justification process for forcing certain things upon people is extremely sketchy in terms of the can of worms it opens up further. It blows my mind just how much blame this author puts on everything else other than the actual problem. Forcing me and my listeners (who I assume do NOT fall into the statistics) to act and behave in certain ways because others choose not too.... is... well... scary.
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An interesting survey was recently conducted and the results are stunning, but not really. I suppose it could be a total coincidence that certain people who behave in a certain way find themselves in a much different place compared to other people who choose to behave differently. Some great data released via the survey, and as always, lots to learn.
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There is nothing more powerful than having the ability to travel into the future and learn from others. Not to be dramatic, but stop and think about the fact that there are people who ALREADY HAVE been where many of us currently are... however, they now have regrets. What are those regrets? What can we learn about these people "in the future"... ya know? The place we will be at some point too....
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Maquan Dawkins is a former division one football player who experienced an intensely competitive environment that most of us never do. These experiences have now transitioned into a successful business career.
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If you have not yet realized, life can be extremely annoying and inconvenient at times. Usually these "times" show up at some of the worst possible moments; however, in some situations these "moments" are self created and completely avoidable. A few of these stories are flat out crappy and I wish these people the best, but at the same time, they illustrate exactly how short term decisions without a proper plan can lead to someone else ruining your life.
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I'm all for there being some structure put into place for us as a society of people; however, the idea that without the abundance of rules and regulations that exist society would plunge into utter darkness is not true. How so? I believe that, at the core, the vast majority of people want to see others succeed and prosper. Walking around and seeing people suffer is not really a high item on the "to do list" of human beings. There were a couple news stories out this past week that I believe really prove my point that society would not fall apart of rules and regulations were relaxed.
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Kainoa Culverhouse has learned and applied my methods of money and is now debt free. He has big plans for himself in health, real estate and the stock market… all of which are more than possible and realistic due to the zero debt in his life. He’s a young guy with a bright future.
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This current news story is packed with all kinds of learning lessons. Unfortunately for me, as a resident in the state of Michigan, it is a "news story" that is directly going to impact me. Having the ability to think critically and for yourself is something that can take you a long way in life, or in situations like this, could have better prepared you for "who to vote for". The minute you decide to not allow someone else, especially a politician, to think for you is the minute you will put yourself on the pathway to control and success.
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Let's see.. encouraging people towards "unlimited borrowing", yet putting systems into place that require less effort and work ethic. That combination should end well, huh? (sarcasm font is turned 'on'). Despite the weakening of society that seems to pile up day after day, it's not all storm clouds... there are still bright spots out there, such as David. Need some motivation and inspiration? Let's go!
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You can't script this stuff any better. Just a couple weeks ago I talked about the importance of short term thinking vs. long term thinking and filling the headlines this week is a story that illustrates exactly the point I was making. When you are too focused on the "here-and-now" and are not willing to make temporary sacrifices, you set yourself up for losing out on big picture rewards. None of this is theory, there are some very scary statistics out there proving out how dangerous this thought process that some people promote can be.
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Oh look, politicians misleading the general public! What a rare sight that is... ugh... it's time to start focusing on what YOU can do rather than blaming some third party and demanding that THEY do something. The attitude of the wealthy is that of, "is there an action I can take to make this situation work for me?"
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It's really sad to see such high ranking officials adopt the types of attitudes they do when it comes to short term vs. long term decisions. To admit there are problems, but because they are not immediate, you ignore them is the perfect recipe for "big picture pain" and that's exactly what has occurred in several recent news stories. The sooner you learn to think "big picture", the sooner you will begin growing wealth instead of making your life harder.
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There is a common ground that I believe both Republican and Democrat voters could agree on: money in politics creates a whole lot of shadiness. This is by no means a revolutionary discovery or observation in my part; it's a well known problem, but I figure I'd give my thoughts on a solution to it that would return the power back to us, the people.
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It's tax time. Thanks to a listener of the podcast submitting an email with a suggestion and question, we have ourselves a very practical episode of what to consider and be aware of when it comes to taxes. In particular, what is your strategy in regards to your tax refund. Is there a way you could make the situation work better? (spoiler - there is!!!)
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Just when you thought you've seen it all, you get slammed with a couple articles like these. Don't get me wrong, these are some sad events, but they're extremely fascinating in terms of illustrating just how far the human mind will drag you down if you allow it.
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A listener sent me an email with the idea to dive deeper into borrowing money from your 401k. Through their experience, they've encountered many friends and family who use their 401ks to borrow money from because the loans are "free". Is this actually true? On the surface, yes... but down under the surface, things get nasty in a hurry!
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It's the start of a new year and I hope you have some ambitions of where you'd like to see yourself at by the end of the year. Please realize though that stress and anxiety are part of any journey, so... if you happen to find yourself traumatized by ALL CAPS and the words "do" and "don't"... ummm... probably time to look in the mirror and tighten up the boot straps.
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As 2018 wraps up, it's time to look forward and hold myself accountable. I wanted to publicly call myself out with my goals so that listeners can follow on whether or not I'm "all talk" or not. Along with this, it serves as both an update in regards to what is going on, but also opens it up to any feedback/suggestions you may have. I'd love to hear from you! Either way, I wish you all the best in 2019. Let's go!
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There was a newly released survey from CNBC that covered several different aspects of people's feelings and thoughts toward the economy and holiday spending. As far as I'm concerned, the survey also revealed a glaring red flag on just how the journey of finding yourself in financial pain can begin. Please, don't think and use logic like some of these people apparently are.
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Two people face the same problem: being "later" in years and having $0 saved for retirement. While the problem was the same, the two approaches to fixing the issue could not have been any more drastic than what they were. It still blows my mind just how powerful and productive the proper mentality can be.
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When it comes to lifestyle, health and money work in a circular fashion where they compliment one another very efficiently. With that being said, they both can work against one another when there is not a proper plan and mindset in place. Some of the statistics out there are flat out scary when it comes to just how much waste (both life and money) exists.
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Whether it is politics, economics or business, one of the most talked about areas of all three is jobs and wages. In order to best understand jobs and what creates them and/or has them "shipped overseas", we need to look at some human psychology in regards to what makes you happy?
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It's time for one of my favorite holidays of the year, Thanksgiving. I'm well aware that I tend to rant, rave and complain about things on this podcast; however, to my own self admission, there are certainly many dynamics out there that I am grateful and thankful for. Time to show some appreciation.
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Before you jump to the conclusion that I'm a greedy person who does not want to help anyone, please give me a chance to explain my logic and offer up some statistics on why I believe what I do. If you disagree, that's cool... but at least give me a chance.
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David Krauss is a 21 year old millennial monster. I mean "monster" as a massive compliment though as David by no means fits into the stereotypical classification of a millennial. He's still young in years, but he's made and is currently making decisions that we can all learn from to improve our financial well being.
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Whether you want to admit it or not, life is one massive competition, especially within the workforce. There is no need to be scared of this, but like anyone who has played sports knows, it is always wise to learn more about your competition. When it comes to competition in the labor market... well.... if you are willing to actually work, you're going to do well. BUT! There is also some hefty competition coming your way, so you need to be prepared for that too.
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Zivojin ("Zee") is an immigrant to the United States from Serbia. He is someone I admire to the fullest extent due to his attitude, perspective and work ethic that his journey has displayed. Know someone that likes to play the victim card or complain about "the system"? Refer them to Zee's story.
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When the markets are allow to actually operate freely, it truly is a thing of beauty to watch how everyone benefits. Well, almost everyone... for the kids that attend this school in Florida, they are unfortunately not going to do well in such great economic times.
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Maybe you've heard, the Federal Reserve continues to raise interest rates which is now beginning to really have an impact in people's every day lives. Most particularly of course, within their personal finances where some are setting themselves up for a nasty surprise. What are interest rates and how do they affect your life? Let's talk about it.
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Ethan is a business owner and real estate investor. Earlier on in his life he had a much different viewpoint on the world, yet, to his full credit despite being surrounded by non like-minded people, he was able to break free and build a life for himself.
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What happens when you don't have a plan? This is what happens... (spoiler alert: it ain't pretty)
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There were some recent statistics released that show the average wages people are making in America. Where do you stand in regards to these wages? Are you below? No worries. You now have a number you can shoot for and I talk about several paths you can take to not only get to the number, but go well beyond it. Looking to grow wealth and get ahead in life? It's all about shortages....
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One of the most popular talking points a politician loves to use are those surrounding wages and whether or not they are increasing, decreasing, or staying the same. This brings up an interesting discussion though in regards to who is actually responsible for causing wages to increase? In my mind, it has nothing to do with politicians and everything to do with the individual.
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Burak is a manufacturing engineer and a beast when it comes to efficiently increasing the amount of money he makes per year via his salary. While Burak’s path to success was not smooth (no one’s perfect), he made several decisions and combined those with hard work that have taken him far in life. The kicker is, he’s only 31 – so in some senses, he’s just getting started!
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The headlines for the past few months have been filled with "trade tariff" talk and speculation. It's essentially a soap opera playing out for all to see. What exactly is a trade tariff and how does it work? I explain that and then move into my overall views of tariffs and their real life effects.
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Carl is a business builder whose competitive advantage in life is his attitude to working hard, but in smart ways. Thanks to a work ethic driven upbringing, he has been able to leverage that into his life of creating opportunities for himself through his own businesses.
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I honestly am not sure if I believe all the data that is floating around out there given it is so pathetically bad. The scary fact is even if you "tilt the data" in your favor to make it not as bad, it is still insanely bad! The line between a desire and a necessity seemingly gets more and more blurred and as you'll see, the real life results of this are a depressing situation.
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Mark is a salesman for Google and also is my brother-in-law. He is someone I proudly choose to surround myself with given his work ethic and overall perspective and mentality towards life. This mentality allowed him to score a job at one of the most sought after companies to work for in the entire world.
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I am in no way, shape or form against investing into yourself and education. With that being said, there is a wise way to go about investing into yourself and a way that is, for lack of a better words, a STUPID way to go about it. How stupid? Well, thanks for a couple current headlines, you can see the real life results of what can occur when you go about the student loan process in an unwise manner.
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Phil Saporito is a “get er’ done” type of person. While the title of the episode may not make much sense upon initial reading, by the time our discussion is wrapped up, it’ll make perfect sense. Get out there and climb some trees!
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I stumbled across an article that contained a quote I literally had to read a few times to ensure I was reading it correctly. I had no plans to record anything on the day I read this article, but the hopeless attitude it promotes sent me over the top and I made time in the schedule to get it recorded. Seriously, if you listen to such garbage as what this author promotes, I feel sorry for you and pity the depressing situation you are placing yourself into.
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Geoff is a business builder and job creator. He started at $10/hour in a factory, started a business that later failed, but kept on working hard. This eventually lead him to a business where he routinely sold $500,000 automated systems.
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When it comes to the cost of going to college, the prices are out of control in the upwards direction. Every single year the prices creep higher and higher and it’s been this way for years now. To compound the problem, it’s now becoming a well-known statistic that student loans are spinning out of control and given the US tax payer is on the hook, that’s scary. I realize this is the problem, so let’s focus on the solution.
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Paul DeWys is a business owner and entrepreneur. He started his first engineering design business in his dorm room in college. He has since expanded into 3D Printing and now has 8 employees
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Looking for ways to get ahead in life? Well... apparently simply "showing up" can separate you quite a bit from what is becoming normal. The timing of these articles could not have been any better for illustrating how those who want to succeed can, in much easier fashion.
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Thanks to some newly released surveys we can travel in a time machine to the future and learn. More specifically, we can learn about what most people regret in regards to financial decisions. There are some scary statistics out there and it's time people wake up to the reality of life and more importantly, begin to focus no the solutions to the problem.
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I realize I've done a lot of ranting the past few episodes, but I wanted to try and bring in some positive vibes. There have been some dynamics occurring lately in the world of personal finance that I was shocked by, but in an encouraging way.
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I got a comment on a YouTube video I did that got my blood boiling so I wanted to break it down. The thought process this person is using is one of complete victim-hood and it 100% irrational when you look at the facts. If you have this mentality or anything even close to it... no judgement on my part other than it's time to change!
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It's that time of year where we celebrate the birth of our great nation. Unfortunately many use this as a cover to be undisciplined with their financial goals and create some very uncomfortable messes for themselves. When you then factor in just how much the banks are focusing on their marketing, it's no wonder why people have a difficult time accomplishing what they set out to do.
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Welcome to a whole new journey! I am not sure where exactly I want to take this podcast, so I’m open for suggestions and feedback, but the one thing I do know I should probably do is introduce myself and my story. I’m a guy who loves numbers, competition and coaching – these three characteristics have intertwined over my life to lead to being financial freedom. Anyone can accomplish this with the right mindset and plan in place. How did I arrive at this point of starting MoneyWithClay.com and this podcast? Let’s get to it.
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