Live 4 Financial Freedom: Recent Episodes
Bruce Mills
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This is our journey through Marriage, Raising Teenagers to Financial Freedom. Financial Freedom (FIRE) can help give you choices in life. We share stories to help couples getting married, married. Helping parents survive raising kids to planning for kids. What your secret to Success is in Marriage, Kids and Money? Money is such a sensitive topic in a lot of relationships and a major cause of divorce so we will talk about money. Debt Freedom and FIRE is our goal so we have choices in life. We cover Mills Family Financial Freedom Rules. E-mail me at bruce@millsway.com to be a guest.
Before you get a Pet make sure you have money in your budget and free time in your life. Check out Millsway.com store for my products and check out Amazon.com for my Books.
Also if you are looking to buy or sell Real Estate anywhere Nationwide let me help you find a Real Estate Agent to help you.
Have a great day from the
Millsway.com family
Sorry but I have no crystal ballthat will give you the magical amount you need to retire on. But if you wouldever come over to our house, I could show you our years of projections and actuals.
As always, I am not giving youany Financial Advice, Medical Advice, Legal Advice and you should seek advicefrom your Professional Advisors to see what is best for your situation. This is for entertainment only
If you want to explore more ifbuying a home in Arizona or anywhere in the United States is right for you ornot then contact me today. I am an Arizona Real Estate Referral Agent and canhelp you anywhere in the United States to find a good Real Estate Agent, also,I can help with my Coaching service. I just want to help people have lessstress about their Financial Freedom plans or their Retirement plans and spend more time enjoying life.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make yourdreams happen. Make it happen today.
Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, PocketCasts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more.
Supportme at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Checkout all my Published books on Amazon.com. Here are a few of them:
MoneySecrets - https://www.amazon.com/dp/B088GKF2TM
RicherLiving - https://www.amazon.com/dp/1695676815
WakeUp - https://www.amazon.com/dp/1694989585
Thanks,and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Millsway.com and Live4.Club
Become a Paid Subscriber toLive 4 Podcast
Financialfreedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway#realestate#arizona #realtorreferral
--- Send in a voice message: https://podcasters.spotify.com/pod/show/live4/message
Help.. When will this end.Insurance costs are going up way more than inflation. Have you checked whatyour next Insurance premium will be?
As always, I am not giving youany Financial Advice, Medical Advice, Legal Advice and you should seek advicefrom your Professional Advisors to see what is best for your situation. This isfor entertainment only. This article does have some affiliate marketing linksin it to help cover some of our expenses. It cost so much to live now a days.LOL
If you want to explore more ifbuying a home in Arizona or anywhere in the United States is right for you ornot then contact me today. I am an Arizona Real Estate Referral Agent and canhelp you anywhere in the United States to find a good Real Estate Agent, also,I can help with my Coaching service. I just want to help people have lessstress about their Financial Freedom plans or their Retirement plans and spendmore time enjoying life.
“Thedefinition of insanity is doing the same thing over and over again, butexpecting different results”. By Albert Einstein. I would also say thedefinition of insanity is believing you can live a financial responsible lifewithout tracking how you are doing, having a budget and goals. I like followingothers who track their finances to compare our also. I enjoy helping peoplewith their finances and goals.
Here are some more positive quotes I like;
“Getyour Money to Work for You… As hard as You Work for it.” By Napoleon Hill
“1.Make Money. 2. Use the Money to Make More Money. 3. Repeat the Process.” ByWarren Buffett
“There is no way to happiness; happiness is the Path.” By Buddha
“Change Your Thoughts - Change Your Life” by Wayne W. Dyer
“You don’t know how you will die, but you can choose how to live” by Joey O
NetWorth - Best App for Investors
Let me know yourthoughts about this blog and let me know of others you would like me to doin the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Sports and Fitness BestSellers
For Some Ideas on HomeSecurity Cameras for Sale CLICK HERE!
Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, PocketCasts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more.
Supportme at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Checkout all my Published books on Amazon.com. Here are a few of them:
MoneySecrets - https://www.amazon.com/dp/B088GKF2TM
RicherLiving - https://www.amazon.com/dp/1695676815
WakeUp - https://www.amazon.com/dp/1694989585
Thanks,and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Millsway.com and Live4.Club
Become a Paid Subscriber toLive 4 Podcast
HomeSecurity Cameras
Financialfreedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway#realestate#arizona #realtorreferral
Episode#134 MillsWay.com
podcast#realtoreferral #kids #realestate #financialfreedom #money #live4 #millsway
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Airlines not being friendly
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We all have many choices everyday. We can make choices to help us have less stress and more time. We can makechoices to help our finances or income coming in. It is up to us and no oneelse. Like some people say that there aren’t any free lunches out there. OK,sometimes people do buy us a free lunch. LOL
As always, I am not giving youany Financial Advice, Medical Advice, Legal Advice and you should seek advicefrom your Professional Advisors to see what is best for your situation. This isfor entertainment only. This article does have some affiliate marketing linksin it to help cover some of our expenses. It cost so much to live now a days. LOL
Checkout all my Published books on Amazon.com. Here are a few of them:
MoneySecrets - https://www.amazon.com/dp/B088GKF2TM
RicherLiving - https://www.amazon.com/dp/1695676815
WakeUp - https://www.amazon.com/dp/1694989585
Thanks,and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Millsway.com and Live4.Club
Become a Paid Subscriber toLive 4 Podcast
HomeSecurity Cameras
Financialfreedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway#realestate#arizona #realtorreferral
Episode#133 MillsWay.com
--- Send in a voice message: https://podcasters.spotify.com/pod/show/live4/message
No one likes to lose and we hate to lose money. We know Investments can go up and down and some times we sellthem for a loss. But when it is something outside of an investment then it is no fun.
As always, I am not giving you any Financial Advice, Medical Advice, Legal Advice and you should seek advicefrom your Professional Advisors to see what is best for your situation. This is for entertainment only. This article does have some affiliate marketing links in it to help cover some of our expenses. It cost so much to live now a days.LOL
We lost $99 the other day just asking an Airline to cancel our Airline ticket that isn’t for three months fromnow. We just wanted Airline Credit for a future ticket but they wouldn’t The Ticket cost us originally one way for $131. After we booked it, they changed the flight twice on when it will arrive. They said it didn’t change enough andcharged us $99 for a canceled ticket which you know they will resell. That seat won’t go empty in June. Crazy…
Supportme at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Checkout all my Published books on Amazon.com. Here are a few of them:
MoneySecrets - https://www.amazon.com/dp/B088GKF2TM
RicherLiving - https://www.amazon.com/dp/1695676815
WakeUp - https://www.amazon.com/dp/1694989585
Thanks,and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Millsway.com and Live4.Club
Become a Paid Subscriber toLive 4 Podcast
HomeSecurity Cameras
Financialfreedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway#realestate #arizona #realtorreferral
--- Send in a voice message: https://podcasters.spotify.com/pod/show/live4/message
When to Retire
Isn’t that the magical question people have that isn’t retired yet? When to Retire? Some may ask how much money do I need to Retire on? Some may ask how many years will my money last. I have no crystal ball.
As always, I am not giving you any Financial Advice, Medical Advice, Legal Advice and you should seek advicefrom your Professional Advisors to see what is best for your situation. This is for entertainment only. This article does have some affiliate marketing links in it to help cover some of our expenses. It cost so much to live now a days. LOL
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Checkout all my Published books on Amazon.com. Here are a few of them:
MoneySecrets - https://www.amazon.com/dp/B088GKF2TM
RicherLiving - https://www.amazon.com/dp/1695676815
WakeUp - https://www.amazon.com/dp/1694989585
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Millsway.com and Live4.Club
Become a Paid Subscriber toLive 4 Podcast
HomeSecurity Cameras
Financialfreedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway#realestate#arizona #realtorreferral
Episode#131 MillsWay.com
--- Send in a voice message: https://podcasters.spotify.com/pod/show/live4/message
If you have young kids without a Cell Phone this podcast may give you some thoughts to think about. If you havea Cell Phone maybe then you may want to take a look at a Mirror and see if maybe some of these could apply to you. I know I am far from perfect when it comes to my Cell Phone.
Even though I grew up in the Era of no cell phones. We used pay phones a lot to call friends if we weren’t at home. We also remembered phone numbers of friends and family. Sometimes I wrote phone numbers down in a book to help me, especially all my work numbers. Today if you ask me for instance my kids phone numbers I would have to use my phone to look them up.
As always, I am not giving you any Financial Advice, Medical Advice, Legal Advice and you should seek advicefrom your Professional Advisors to see what is best for your situation. This is for entertainment only. This article does have some affiliate marketing links in it to help cover some of our expenses. It cost so much to live now a days. LOL
NetWorth - Best App for Investors
Let me know your thoughts about this Podcast and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Sports and Fitness BestSellers
For Some Ideas on HomeSecurity Cameras for Sale CLICK HERE!
Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more.
Supportme at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Checkout all my Published books on Amazon.com. Here are a few of them:
MoneySecrets - https://www.amazon.com/dp/B088GKF2TM
RicherLiving - https://www.amazon.com/dp/1695676815
WakeUp - https://www.amazon.com/dp/1694989585
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Millsway.com and Live4.Club
Become a Paid Subscriber toLive 4 Podcast
HomeSecurity Cameras
Financialfreedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway#realestate #arizona #realtorreferral
Episode #130 MillsWay.com
podcast #realtoreferral #kids #realestate #financialfreedom #money #live4 #millsway
Becomea Paid Subscriber to Live 4 Podcast
--- Send in a voice message: https://podcasters.spotify.com/pod/show/live4/message
Why do we put things off for the future? The future is not guaranteed for any of us. We do have today and canlive it to the fullest. I am guilty at times coming up with excuses why to put something off for the future. Normally it has money as the main excuse, or a lack of money I feel at times.
As always, I am not giving you any Financial Advice, Medical Advice, Legal Advice and you should seek advicefrom your Professional Advisors to see what is best for your situation. This is for entertainment only. This article does have some affiliate marketing links in it to help cover some of our expenses. It cost so much to live now a days. LOL
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Checkout all my Published books on Amazon.com. Here are a few of them:
MoneySecrets - https://www.amazon.com/dp/B088GKF2TM
RicherLiving - https://www.amazon.com/dp/1695676815
WakeUp - https://www.amazon.com/dp/1694989585
Thanks,and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Millsway.com and Live4.Club
Become a Paid Subscriber toLive 4 Podcast
HomeSecurity Cameras
Financialfreedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway#realestate #arizona #realtorreferral
Episode #129 MillsWay.com
#podcast #realtoreferral #kids #realestate #financialfreedom #money #live4 #millsway
--- Send in a voice message: https://podcasters.spotify.com/pod/show/live4/message
We have so much to be grateful for every day. I start out each day thanking God for all the things I am grateful for. 2023 for our family was a busy year and a fun year for sure. For me it always is extra special when it is financially a good year also which it was.
As always, I am not giving you any Financial Advice, Medical Advice, Legal Advice and you should seek advice from your Professional Advisors to see what is best for your situation. This isfor entertainment only. This article does have some affiliate marketing links in it to help cover some of our expenses. It cost so much to live now a days. LOL
If you want to explore more if buying a home in Arizona or anywhere in the United States is right for you or not then contact me today. I am an Arizona Real Estate Referral Agent and can help you anywhere in the United States to find a good Real Estate Agent, also, I can help with my Coaching service. I just want to help people have less stress about their Financial Freedom plans or their Retirement plans and spend more time enjoying life.
“The definition of insanity is doing the same thing over and over again, but expecting different results”. By Albert Einstein. I would also say the definition of insanity is believing you can live a financial responsible life without tracking how you are doing, having a budget and goals. I like following others who track their finances to compare our also. I enjoy helping people with their finances and goals.
Here are some more positive quotes I like;
“Get your Money to Work for You… As hard as You Work for it.” By Napoleon Hill
“1.Make Money. 2. Use the Money to Make More Money. 3. Repeat the Process.” ByWarren Buffett
“There is no way to happiness; happiness is the Path.” By Buddha
“Change Your Thoughts - Change Your Life” by Wayne W. Dyer
“You don’t know how you will die, but you can choose how to live”by Joey O
NetWorth - Best App for Investors
Let me know your thoughts about this Podcast Episode and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more andbe more successful.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Sports and Fitness BestSellers
For Some Ideas on HomeSecurity Cameras for Sale CLICK HERE!
Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more.
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Check out all my Published books on Amazon.com. Here are a few of them:
MoneySecrets - https://www.amazon.com/dp/B088GKF2TM
RicherLiving - https://www.amazon.com/dp/1695676815
WakeUp - https://www.amazon.com/dp/1694989585
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Millsway.com and Live4.Club
Become a Paid Subscriber toLive 4 Podcast
HomeSecurity Cameras
Financialfreedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway #realestate #arizona #realtorreferral
--- Send in a voice message: https://podcasters.spotify.com/pod/show/live4/message
You may be asking why I am talking about Brock Purdy today when I am a Minnesota Vikings. The reason Iwant to talk about him is the Financial Freedom examples he seems to be doing to show our boys more real-life examples.Sometimes kids like to follow other people than their parents. Is that crazy or what. LOL
As always, I am not giving youany Financial Advice, Medical Advice, Legal Advice and you should seek advice from your Professional Advisors to see what is best for your situation. This is for entertainment only. This article does have some affiliate marketing linksin it to help cover some of our expenses. It cost so much to live now a days. LOL
Our goal would be too able tolive off a 3% withdraw rate when she retires completely. We live Debt Free andwork really hard to live within our Budget. I feel we can adjust our Budget attimes if we need too. If our Live4.ClubPodcasts take off big she could retire fully sooner and help me with them both.
Become a PaidSubscriber to Live 4 Podcast
If you want to explore more ifbuying a home in Arizona or anywhere in the United States is right for you ornot then contact me today. I am an Arizona Real Estate Referral Agent and canhelp you anywhere in the United States to find a good Real Estate Agent, also, I can help with my Coaching service. I just want to help people have lessstress about their Financial Freedom plans or their Retirement plans and spend more time enjoying life.
“The definition of insanity is doing the same thing over and over again, but expecting different results”. By Albert Einstein. I would also say the definition of insanity is believing you can live a financial responsible lifewithout tracking how you are doing, having a budget and goals. I like following others who track their finances to compare our also. I enjoy helping people with their finances and goals.
Here are some more positive quotes I like;
“Getyour Money to Work for You… As hard as You Work for it.” By Napoleon Hill
“1.Make Money. 2. Use the Money to Make More Money. 3. Repeat the Process.” ByWarren Buffett
“There is no way to happiness; happiness is the Path.” By Buddha
“Change Your Thoughts - Change Your Life” by Wayne W. Dyer
“You don’t know how you will die, but you can choose how tolive” by Joey O
NetWorth - Best App for Investors
Let me know your thoughts about this Podcast and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Sports and Fitness BestSellers
For Some Ideas on HomeSecurity Cameras for Sale CLICK HERE!
Visitmy Podcast at www.Live4.Club on Anchor.fm, Spotify, PocketCasts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast andmore.
Supportme at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Checkout all my Published books on Amazon.com. Here are a few of them:
MoneySecrets - https://www.amazon.com/dp/B088GKF2TM
RicherLiving - https://www.amazon.com/dp/1695676815
WakeUp - https://www.amazon.com/dp/1694989585
Thanks,and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Millsway.com and Live4.Club
Become a Paid Subscriber toLive 4 Podcast
HomeSecurity Cameras
Financialfreedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway#realestate#arizona #realtorreferral
Episode#127 . MillsWay.com
podcast#realtoreferral #kids #realestate #financialfreedom #money #live4 #millsway
--- Send in a voice message: https://podcasters.spotify.com/pod/show/live4/message
Who wouldn’t like to make some extra money to pay our bills off or to take a big trip next year? Most peoplecould always use some extra money for something. I know we would never turn down some extra money. LOL
As always, I am not giving you any Financial Advice, Medical Advice, Legal Advice and you should seek advicefrom your Professional Advisors to see what is best for your situation. This is for entertainment only. This article does have some affiliate marketing links in it to help cover some of our expenses. It cost so much to live now a days. LOL
If you are on social media, I am sure you saw some of the videos with people showing you how they are making tons of money onthe side. Some say their side incomes replaced their full-time job so they do just their side hustle how. Not that I am skeptical of those people but I am. Maybe some of them did do it but I feel 99 percent of people don’t. I am going to give you some ideas on what people say they do to make extra income. After Igive you some of the things that people say you can make money on, I will give you my number one idea for making extra income.
Supportme at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Checkout all my Published books on Amazon.com. Here are a few of them:
MoneySecrets - https://www.amazon.com/dp/B088GKF2TM
RicherLiving - https://www.amazon.com/dp/1695676815
WakeUp - https://www.amazon.com/dp/1694989585
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Millsway.com and Live4.Club
Become a Paid Subscriber toLive 4 Podcast
HomeSecurity Cameras
Financialfreedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway#realestate#arizona #realtorreferral
Episode #126 . MillsWay.com
podcast #realtoreferral #kids #realestate #financialfreedom #money #live4 #millsway
--- Send in a voice message: https://podcasters.spotify.com/pod/show/live4/message
Happy Thanksgiving! Today is a day most people say things we are grateful for. Too bad Thanksgiving wasn’t everyday so we could tell everyone how grateful we are for the people in our lives. But if it was Thanksgiving everyday I may weigh over 500lbs. LOL
As always, I am not giving you any Financial Advice, Medical Advice, Legal Advice and you should seek advice from your Professional Advisors to see what is best for your situation. This is for entertainment only. This article does have some affiliate marketing links in it to help cover some of our expenses. It cost so much to live now a days. LOL
Today and everyday I am grateful for so many things. Here is some of the top items I am grateful for.
If you want to explore more if buying a home in Arizona is right for you or not then contact me today. I am anArizona Real Estate Referral Agent, also, I can help with my Coaching service.I just want to help people have less stress about their Financial Future or their Retirement plans and spend more time enjoying life.
“The definition of insanity is doing the same thing over and over again, but expecting different results”. By Albert Einstein. I would also say the definition of insanity is believing you can live a financial responsible life without tracking how you are doing, having a budget and goals. I like following others who track their finances to compare our also. I enjoy helping people with their finances and goals.
Here are some more positive quotes I like;
“Getyour Money to Work for You… As hard as You Work for it.” By Napoleon Hill
“1.Make Money. 2. Use the Money to Make More Money. 3. Repeat the Process.” ByWarren Buffett
“There is no way to happiness; happiness is the Path.” By Buddha
“Change Your Thoughts - Change Your Life” by Wayne W. Dyer
“You don’t know how you will die, but you can choose how to live”by Joey O
NetWorth - Best App for Investors
Let me know your thoughts about this blog and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more andbe more successful.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Sports and Fitness BestSellers
For Some Ideas on HomeSecurity Cameras for Sale CLICK HERE!
Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more.
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Check out all my Published books on Amazon.com. Here are a few of them:
MoneySecrets - https://www.amazon.com/dp/B088GKF2TM
RicherLiving - https://www.amazon.com/dp/1695676815
WakeUp - https://www.amazon.com/dp/1694989585
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Millsway.com and Live4.Club
Become a Paid Subscriber toLive 4 Podcast
HomeSecurity Cameras
Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway#realestate #arizona #realtorreferral
Episode #125. MillsWay.com
--- Send in a voice message: https://podcasters.spotify.com/pod/show/live4/message
Each year it seems that they start Christmas Sales even earlier than the previous years. So, it is importantto have a Christmas Budget in place now or you may find yourself spending morethan you wanted to due to all the temptation from all these sales.
We used to have Black FridaySale the day after Thanksgiving and then after that, specials rolled in. Then came Cyber Monday sales after Black Friday Sales. Now in Arizona they have been starting Black Friday sales weeks before Thanksgiving. Crazy..
As always, I am not giving you any Financial Advice, Medical Advice, Legal Advice and you should seek advicefrom your Professional Advisors to see what is best for your situation. This is for entertainment only. This article does have some affiliate marketing links in it to help cover some of our expenses. It cost so much to live now a days. LOL
For Darlene and myself our Christmas Budget we try to also plan in other expenses also besides just giftexpenses. We talk about our food and travel plans also besides what our total gift budget is.
Supportme at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Checkout all my Published books on Amazon.com. Here are a few of them:
MoneySecrets - https://www.amazon.com/dp/B088GKF2TM
RicherLiving - https://www.amazon.com/dp/1695676815
WakeUp - https://www.amazon.com/dp/1694989585
Thanks,and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Millsway.com and Live4.Club
Become a Paid Subscriber toLive 4 Podcast
HomeSecurity Cameras
Financialfreedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway#realestate#arizona #realtorreferral
Episode#123 . MillsWay.com
--- Send in a voice message: https://podcasters.spotify.com/pod/show/live4/message
This time of the year the weather is awesome. Especially if you are from the Midwest where most of thecourses are closed for the season. If you have the money and love to golf then golf prices probably don’t matter much to you.
As always, I am not giving you any Financial Advice, Medical Advice, Legal Advice and you should seek advicefrom your Professional Advisors to see what is best for your situation. This is for entertainment only. This article does have some affiliate marketing links in it to help cover some of our expenses. It cost so much to live now a days. LOL
For those who live on a budget like myself you may have a price that you won’t go above to play golf here in Arizona.
Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more.
Supportme at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Checkout all my Published books on Amazon.com. Here are a few of them:
MoneySecrets - https://www.amazon.com/dp/B088GKF2TM
RicherLiving - https://www.amazon.com/dp/1695676815
WakeUp - https://www.amazon.com/dp/1694989585
Thanks,and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
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Episode #122 . MillsWay.com
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I can’t wait is a common thingwe say around our house. Like “I can’t wait till Christmas” or “I can’t wait till we go to Hawaii next summer”. It is fun to have things to look forward too. We love the excitement of having plans for the future. But it can keep us from living for today.
As always, I am not giving you any Financial Advice, Medical Advice, Legal Advice and you should seek advice from your Professional Advisors to see what is best for your situation. This is for entertainment only. This article does have some affiliate marketing links in it to help cover some of our expenses. It cost so much to live now a days. LOL
Darlene and myself were talking yesterday about this subject. Like some of the following times: Listen to the whole Podcast for more details.
Let me know your thoughts about this Podcast and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Sports and Fitness BestSellers
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Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
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Why do we need to think about doingDeath prep when we are alive? It is for our loved ones not us. For myself Iwant to make it as smooth as possible for Darlene when I die.
Back in the days when I soldLife Insurance so many people didn’t want to talk about the day they die. Oneguy told me that his wife could get remarried so her and the kids would befine. If he would die early all she would be left would be a pile of debt and thestress of finding a job since she was a stay-at-home mom.
As always, I am not giving you any Financial Advice, Medical Advice, Legal Adviceand you should seek advice from your Professional Advisors to see what is bestfor your situation. This is for entertainment only. This article does have someaffiliate marketing links in it to help cover some of our expenses. It cost somuch to live now a days. LOL
Let me know yourthoughts about this Podcast and let me know of others you would like me todo in the future. I feel we can all learn from each other. That is why I am inthe helping people retire early, enjoy life more and be more successful.
Don’t give up on your dreams;don’t let others talk you out of your dreams. Make your dreams happen. Make ithappen today.
Sportsand Fitness Best Sellers
For Some Ideas on HomeSecurity Cameras for Sale CLICK HERE!
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Check out all my Published bookson Amazon.com. Here are a few of them:
Money Secrets - https://www.amazon.com/dp/B088GKF2TM
Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
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Episode #120. MillsWay.com
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Misery loves company some peoplesay. Some people feel that they have failed because of the challenges they are havingwith their teenagers or adult kids. Let me tell you that you didn’t fail. Weall have challenges that come up daily and we have different paths that we can choose to take.
There is no book of the perfectpaths to take even though some people who never had kids feel they know it all.What ever path we take with a situation we have to know there is consequences ofany choice we make. I keep reminding our kids that we can learn from the pastbut we need to spend most of our time looking forward and moving forward. We can’t change the past. Listen to the whole Podcast today.
Let me know yourthoughts about this Podcast and let me know of others you would like me todo in the future. I feel we can all learn from each other. That is why I am inthe helping people retire early, enjoy life more and be more successful.
Don’t give up on your dreams;don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Sportsand Fitness Best Sellers
For Some Ideas on HomeSecurity Cameras for Sale CLICK HERE!
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Check out all my Published bookson Amazon.com. Here are a few of them:
Money Secrets - https://www.amazon.com/dp/B088GKF2TM
Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
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Episode #119. MillsWay.com
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October for our CryptoPortfolio has been more promising. But as I know invested in Crypto Currency. Ibelieve it will be around and keep growing in our lifetime. Crypto is veryvolitive and there is a lot to invested in Crypto Currency. Ibelieve it will be around and keep growing in our lifetime. Crypto is veryvolitive and there is a lot to learn about it. It seems to keep changing,growing and expanding. Now we are seeing more Virtual Gaming, NFT’s to DigitalReal Estate that is built with Crypto Currency.
But as of this Blog world eventsand inflation is killing Digital Currency values. But so is the Government talkingabout more regulation. The Stocks we own are not doing as well as our DigitalCurrency is this year so far. So, who knows for sure what moves the priceneedle for a little Investor like myself.
As always, I am not giving you any Financial Advice and you should seek advicefrom your Professional Advisors to see what is best for your situation. This isfor entertainment only. This article does have some affiliate marketing linksin it to help cover some of our expenses. It cost so much to live now a days.LOL
Listen to the Podcast for where we our Crypto Portfolio was towards the end of October2023. Also listed below is a quick recap of what each Crypto Coin is for.
Let me know yourthoughts about this Podcast and let me know of others you would like me todo in the future. I feel we can all learn from each other. That is why I am inthe helping people retire early, enjoy life more and be more successful.
Don’t give up on your dreams;don’t let others talk you out of your dreams. Make your dreams happen. Make ithappen today.
Sportsand Fitness Best Sellers
For Some Ideas on HomeSecurity Cameras for Sale CLICK HERE!
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Check out all my Published bookson Amazon.com. Here are a few of them:
Money Secrets - https://www.amazon.com/dp/B088GKF2TM
Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
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Financial #taylorswift #swifties#traviskelce freedom #financial independence #FIRE #Hustle #Live4 #podcast#millsway#realestate #arizona #realtorreferral
Episode #118. MillsWay.com
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Should Taylor Swift and TravisKelce get a house together in Kansas City to spend more time together. You maybe saying who cares and tired of reading about them in the news. But buying ahouse with someone you aren’t married to is becoming more popular now a dayswith how expensive home prices are and rental apartments monthly prices arehigh also.
Let me know yourthoughts about this blog and let me know of others you would like me to doin the future. I feel we can all learn from each other. That is why I am in thehelping people retire early, enjoy life more andbe more successful.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make yourdreams happen. Make it happen today.
ForSome Ideas on Home Security Cameras for Sale CLICK HERE!
Sportsand Fitness Best Sellers
Supportme at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Checkout all my Published books on Amazon.com. Here are a few of them:
MoneySecrets - https://www.amazon.com/dp/B088GKF2TM
RicherLiving - https://www.amazon.com/dp/1695676815
WakeUp - https://www.amazon.com/dp/1694989585
Thanks,and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
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Episode#116. MillsWay.com
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As you know I am a fan of a goodstory and when it has to do with personal finance. I wish this story endedbetter but one positive thing we can get from this story is the experiences andmemories they shared together through their journey.
Last Saturday at golf I was toldthis story from a friend of mine that I am going to share with you. I am nomedical expert but at golf we got talking about how some people react when theirDoctor tells them they have only a certain amount of time left to live and theyshould get their finances in line.
He told me that a man fromWashington was told he has only 6 to 12 months to live. He came home and had along talk with his wife on what they should do. They decided to sell theirBusiness and their home right away. They also sold their cars. They went andbought a RV so they could just travel the country till he died.
Let me know yourthoughts about this Podcast and let me know of others you would like me todo in the future. I feel we can all learn from each other. That is why I am inthe helping people retire early, enjoy life more and be more successful.
Don’t give up on your dreams;don’t let others talk you out of your dreams. Make your dreams happen. Make ithappen today.
Sportsand Fitness Best Sellers
For Some Ideas on HomeSecurity Cameras for Sale CLICK HERE!
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Check out all my Published bookson Amazon.com. Here are a few of them:
Money Secrets - https://www.amazon.com/dp/B088GKF2TM
Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
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Episode #117. MillsWay.com
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Who doesn’t want to find their Perfect home? If you have the time and resources, you could do it yourself.
Searching for the perfect home can be an exciting yet daunting task. With countless options available and various factors to consider, it's crucial to have a reliable and efficient home finder tool at your disposal. Today we will explore the features and qualities that make up the perfect home finder. Whether you're a first-time buyer or a seasoned homeowner, this podcast will help you streamline your search and find your dream home if you are wanting to do it yourself.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. This is for entertainment only.
If you want to explore more if buying a home in Arizona is right for you or not then contact me today. I am an Arizona Realtor, also, I can help with my Coaching service. I just want to help people have less stress about their Financial Future or their Retirement plans and spend more time enjoying life.
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Check out all my Published books on Amazon.com. Here are a few of them:
Money Secrets - https://www.amazon.com/dp/B088GKF2TM
Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf. Let’s Go Brandon.
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
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Episode #115. MillsWay.com
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People can sell their homes by themselves if they want to do the leg work and learn what they need to do to sell it. Some people may hire a lawyer to help them with the paperwork or hire a service to put it on MLS. Before I became a Realtor, I used Real Estate Agents to help me buy and sell my homes and Investment properties. I used them because I wanted the most money for my properties and wanted to sell them quickly. That is why I hired full service and Realtors to market my investments. Each month that I owned something there is cost of owning most properties. From Taxes, Utilities to possible HOA fees and more.
Some people feel they can just put a sign in their yard and it will sell. They could be right. Some think just putting it on the MLS will sell it fast and they could be right. I just know for me I want to do my best to not just sell it quickly but I want to get the most money for my investment as I can. So, I used to look for a realtor that did more than just a sign in the yard and putting my home or Investment property on MLS. I wanted a realtor that is going to actively Market my investment and make it a priority and not just another listing.
If you want to explore more if buying a home in Arizona is right for you or not then contact me today. I am an Arizona Realtor, also, I can help with my Coaching service. I just want to help people have less stress about their Financial Future or their Retirement plans and spend more time enjoying life.
“The definition of insanity is doing the same thing over and over again, but expecting different results”. By Albert Einstein. I would also say the definition of insanity is believing you can live a financial responsible life without tracking how you are doing, having a budget and goals. I like following others who track their finances to compare our also. I enjoy helping people with their finances and goals.
We want to give our boys education on home ownership and the best chances to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom.
Let me know your thoughts about this blog and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful. I like to use books I own, Google.com, Training Notes and chatopenai.com for research info for my podcasts and blogs.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more.
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Check out all my Published books on Amazon.com. Here are a few of them:
Money Secrets - https://www.amazon.com/dp/B088GKF2TM
Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf. Let’s Go Brandon.
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
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If you don’t know our story ofhow we ended up in Arizona let me tell you. It started about 9 years ago and wewere living in the Midwest and finished up a really cold and gloomy winter. Wesaid let’s pick a place to live at that we would want to retire at someday. So,we made a list of several warm states and decided on Arizona. Darlene likedArizona for the Dry Heat for her bones and joints. I liked it for Golf all yeararound and lower taxes. We also wanted to move before the kids were in HighSchool. Now the boys both say they never want to leave Arizona. Darlene andmyself feel the same way.
I like asking people I meet herewhat brought them to Arizona and how long they have lived here. I like hearingtheir stories. Some were raised here in Arizona and never wanted to leave. Somecame here for college and never wanted to leave. Some came for a job transferand some came for similar reasons that we did. Everyone has a story and whythey live here in Arizona. Of course, we have snow birds also that live halfthe year here and the other half somewhere else. Snowbirds are normally here fromOctober to May.
As always, I am not giving youany Financial Advice and you should seek advice from your Professional Advisorsto see what is best for your situation. This is for entertainment only. Listen to the whole Podcast for all the goodies.
Don’tgive up on your dreams; don’t let others talk you out of your dreams. Make yourdreams happen. Make it happen today.
Visitmy Podcast at www.Live4.Club on Anchor.fm, Spotify, PocketCasts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast andmore.
Supportme at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Checkout all my Published books on Amazon.com. Here are a few of them:
MoneySecrets - https://www.amazon.com/dp/B088GKF2TM
RicherLiving - https://www.amazon.com/dp/1695676815
WakeUp - https://www.amazon.com/dp/1694989585
Rizzle.TV – Short Educational Videos on Motivation, Leadership,Relationships, Money and Golf. Let’s Go Brandon.
Thanks,and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
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Over the years I have used bothPre-Qualified and Pre-Approved letters in the past when I was making overs onhomes to live in or Investment properties. Of course, now a days I am a fan ofPre-Approved since it can speed up the buying process and being pre-approvedfor an exact loan amount with a written commitment letter.
As always, I am not giving youany Financial Advice and you should seek advice from your Professional Advisorsto see what is best for your situation. This is for entertainment only.
I know it is much easier to geta Pre-Qualified letter when house shopping but lets explore the differencesbetween pre-qualified and pre-approved loans. Remember I am not Loan Expert andthat you should seek advice from a Mortgage lender for information that’s bestfor you.
So, if you’re in the market tobuy a home, this episode is a must listen. Pre-qualification is typically thefirst step in the home loan process. It’s an informal assessment of a borrower’sfinancial situation based on their self-reported income, assets, and debts.This information helps the lender provide a rough estimate of how much they maybe eligible to borrow.
Don’tgive up on your dreams; don’t let others talk you out of your dreams. Make yourdreams happen. Make it happen today.
Visitmy Podcast at www.Live4.Club on Anchor.fm, Spotify, PocketCasts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast andmore.
Supportme at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Checkout all my Published books on Amazon.com. Here are a few of them:
MoneySecrets - https://www.amazon.com/dp/B088GKF2TM
RicherLiving - https://www.amazon.com/dp/1695676815
WakeUp - https://www.amazon.com/dp/1694989585
Rizzle.TV – Short Educational Videos on Motivation, Leadership,Relationships, Money and Golf.
Thanks,and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
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Not everyone is ready to sell their house but they may be in the future. I know for myself I have moved many times. In the last 10 years I have moved 4 times. We do plan on staying in our current house but we never know what our future may bring us so we are always ready in case we would need to sell our house. We keep it like we tried to have our Grocery Stores look when we were in the business. As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. This is for entertainment only.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more.
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Check out all my Published books on Amazon.com. Here are a few of them:
Money Secrets - https://www.amazon.com/dp/B088GKF2TM
Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf.
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
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Episode #111 . MillsWay.com
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Today we are going to talk Real Estate News. I know the world is always changing and everyone has their own opinion. Some people are negative and think it is doom and gloom and others say things are doing great. Darlene and myself aren’t looking at selling anytime soon but we do enjoy how our house has gone up in value.
We hope our boys will purchase a house when they move out instead of paying high rents and not having anything in return after those rent payments. They need to get their finances in line first and re-read our Money Secrets book. LOL
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. This is for entertainment only.
Let me know your thoughts about this Podcast and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more.
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Check out all my Published books on Amazon.com. Here are a few of them:
Money Secrets - https://www.amazon.com/dp/B088GKF2TM
Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf.
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Millsway.com and Live4.Club
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Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway#realestate #arizona #realtor #realtor #kids #money
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More and more kids are living at home after High School and College. Even with a College Degree it can be challenging to buy a house. Rents in a lot of places around the country are really high so it may be a huge challenge for them to rent their own place and save enough money to buy a house someday.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. This is for entertainment only.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more.
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Check out all my Published books on Amazon.com. Here are a few of them:
Money Secrets - https://www.amazon.com/dp/B088GKF2TM
Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf.
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
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I was reading something in the past that talked about Mark Cuban and how after he made a lot of money from selling off one of his businesses, he still wanted to live like he was in college. I like reading about Mark Cuban and Elon Musk. Elon Musk is another person who lived simple early on. Rumors are he is back to living simple again. Who knows for sure. But they both have very inspiring stories for anyone who wants to reach their financial freedom goals.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. This is for entertainment only.
Let me know your thoughts about this Podcast and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more.
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Check out all my Published books on Amazon.com. Here are a few of them:
Money Secrets - https://www.amazon.com/dp/B088GKF2TM
Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf.
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Millsway.com and Live4.Club
Become a Paid Subscriber to Live 4 Podcast
Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway#realestate #arizona #realtor
--- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app--- Send in a voice message: https://anchor.fm/live4/message
Over the years my wife and myself have talked about if it would be better for us to Rent out a place to live or to own a House. Seems like after we get hit with a big house repair expense, we say we should rent. Then when we have rented in the past and they do a big yearly rent increase we say we should be owning a house. We can’t win. LOL, we feel for our situation in the long run we are way ahead on owning houses than not. But everyone has different situations and needs or what they can handle.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. This is for entertainment only.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more.
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Check out all my Published books on Amazon.com. Here are a few of them:
Money Secrets - https://www.amazon.com/dp/B088GKF2TM
Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf.
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Millsway.com and Live4.Club
Become a Paid Subscriber to Live 4 Podcast
Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway#realestate #arizona #realtor
--- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app--- Send in a voice message: https://anchor.fm/live4/message
Have you ever thought about moving to Arizona? Why did we move to Arizona? Listen to the Podcast to find out. If you want to know about Arizona Real Estate give me a call, I am a Realtor in Arizona.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. This is for entertainment only.
If you need a Real Estate Coach or Mentor just shoot me a email at bruce@millsway.com. If you need helping buying or selling Real Estate in Arizona see my website at MillsWay.com. If you need a Life Coach or Financial coach drop me a message. I have a goal to help over a Million People World Wide.
“The definition of insanity is doing the same thing over and over again, but expecting different results”. By Albert Einstein. I would also say the definition of insanity is believing you can live a financial responsible life without tracking how you are doing, having a budget and goals. I like following others who track their finances to compare our also. I enjoy helping people with their finances and goals.
We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom.
Here are some positive quotes I like;
“Get your Money to Work for You… As hard as You Work for it.” By Napoleon Hill
“1. Make Money. 2. Use the Money to Make More Money. 3. Repeat the Process.” By Warren Buffett
“There is no way to happiness; happiness is the Path.” By Buddha
“Change Your Thoughts - Change Your Life” by Wayne W. Dyer
Check out all my Published books on Amazon.com. Here are a few of them:
Money Secrets - https://www.amazon.com/dp/B088GKF2TM
Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
Please enjoy MONEY $ECRET$ TO MAKE YOU RICH: 10 ACTION $TEP$ THAT WILL CREATE WEALTH, now available on Audible.
Here is another link to the Book
https://www.audible.com/pd/B0B9CHWTLT?asin=B0B9CHWTLT
Visit Millsway.com
realestate #arizona #realtor #fire #podcast #money #financialfreedom #education
--- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app--- Send in a voice message: https://anchor.fm/live4/message
Becoming a Real Estate Agent. Become a Paid Subscriber to Live 4 Podcast
Becoming a Real Estate Agent can be a very rewarding career path or business opprotunity. But it can be a challenge for some getting started. In this Podcast I will cover some of the things I did to get my Real Estate License. I know there was times during school I wonder if I would even pass the school exam. Some things sounded so foriegn to me. But I made it through the school and passed the state exam also. Each state could have different requitements so check with your state on how to become a Real Estate Agent.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. This is for entertainment only.
If you need a Real Estate Coach or Mentor just shoot me a email at bruce@millsway.com. If you need helping buying or selling Real Estate in Arizona see my website at MillsWay.com. If you need a Life Coach or Financial coach drop me a message. I have a goal to help over a Million People World Wide.
“The definition of insanity is doing the same thing over and over again, but expecting different results”. By Albert Einstein. I would also say the definition of insanity is believing you can live a financial responsible life without tracking how you are doing, having a budget and goals. I like following others who track their finances to compare our also. I enjoy helping people with their finances and goals.
We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom.
Here are some positive quotes I like;
“Get your Money to Work for You… As hard as You Work for it.” By Napoleon Hill
“1. Make Money. 2. Use the Money to Make More Money. 3. Repeat the Process.” By Warren Buffett
“There is no way to happiness; happiness is the Path.” By Buddha
“Change Your Thoughts - Change Your Life” by Wayne W. Dyer
Check out all my Published books on Amazon.com. Here are a few of them:
Money Secrets - https://www.amazon.com/dp/B088GKF2TM
Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
Please enjoy MONEY $ECRET$ TO MAKE YOU RICH: 10 ACTION $TEP$ THAT WILL CREATE WEALTH, now available on Audible.
Here is another link to the Book
https://www.audible.com/pd/B0B9CHWTLT?asin=B0B9CHWTLT
Visit Millsway.com
realestate #fire #podcast #money #financialfreedom #education
This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
Send in a voice message: https://anchor.fm/live4/message
Pay Off Your Own Debt and don't count on the Government or someone else to pay it off for you. Check out my books on more on this subsject.
Check out all my Published books on Amazon.com. Here are a few of them:
Money Secrets - https://www.amazon.com/dp/B088GKF2TM
Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
Money Secrets book now on Audible –
Here is some links to the book on Audible.
Audible First Link - Click Here
Please enjoy MONEY $ECRET$ TO MAKE YOU RICH: 10 ACTION $TEP$ THAT WILL CREATE WEALTH, now available on Audible.
Here is another link to the Book
https://www.audible.com/pd/B0B9CHWTLT?asin=B0B9CHWTLT
Or Click Here
Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf.
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway
This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
Send in a voice message: https://anchor.fm/live4/message
My Dad was awesome by not living by Excuses.
Excuses everyone can come up with easily for sure. It is easer to come up with an excuse why we can’t take action towards what we want. We will do almost anything to avoid taking Action because we think of it as work. But instead, we should think of the consequences of not taking Action and you will find it will be worst. Our kids are the best at having excuses why not to take action.
For instance, if you don’t take time for your Finances you may end up broke. If you don’t take time for your Health, you could not live as long. If you don’t take time for Relationships, you could lose them. If you don’t take time to keep growing people will pass you up. This could go on and on.
Let me ask you how bad do you want your goals? What are you willing to give up to achieve your goals? How are you going to reach your goals and by when? DO you have your goals written out? Do you have plans to achieve them written down? If not, it is hard to take Action. It will be easy to make Excuses because it isn’t in front of you and important enough.
If it was easy to hit your goals everyone would be doing it. You need to do more to get more. Lose your Excuses today and take action towards your goals to achieve happiness and success in life.
Become a Paid Subscriber to Live 4 Podcast
Here is a positive quote I like; “Remind yourself daily that there is no way to happiness; rather, happiness is the way.” ― Wayne W. Dyer, Change Your Thoughts - Change Your Life: Living the Wisdom of the Tao
Let me know your thoughts about this blog and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful. Also, please see my Disclaimer page.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Let me know your thoughts or ideas.
Visit my Podcast at www.Live4.Clubon Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, i-tunes and more. If you would like to be a guest on my Podcast, drop me an email at bruce@millsway.com
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway Bruce of MillsWay.com
This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
Send in a voice message: https://anchor.fm/live4/message
Topics Covered :
Ukraine War
Retirement
Crypto Update
2% Withdraw
Inflation
Retirement Number
Working Plans
Sources of Income
Marriage
And More
Remember that the information in this Podcast is just what we do or our views. It is not for you to follow. You need to do your own research. We strive to Invest daily towards our Financial Freedom. Also, if you don’t have a stomach for the up and downs of Investing it may be safe to hire a Financial Planner to manage your Investment’s. We do like Crypto Currency and feel Crypto could show our biggest gains in the future. We less than 5% of our Net Worth in Crypto Currency so if they don’t turn out we won’t be broke.
My goal would be too able to live off a 3% withdraw rate when she retires completely. We live Debt Free and work really hard to live within our Budget. I feel we can adjust our Budget at times if we need too. If our businesses MillsWay.com and Live4.Club Podcasts take off big she could retire fully sooner and help me with them both.
If you need more help, I can help with my Coaching service. I just want to help people have less stress about their Financial Future or their Retirement plans and spend more time enjoying life.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. This is for entertainment only.
Become a Paid Subscriber to Live 4 Podcast
We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom.
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Check out all my Published books on Amazon.com. Here are a few of them:
Money Secrets - https://www.amazon.com/dp/B088GKF2TM
Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf.
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Millsway.comand Live4.Club
Become a Paid Subscriber to Live 4 Podcast
Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway #crypto #digitalcurrency #shiba #eth #sol #ada #avax #brise #xlm #mana #enj #cro #uni #matic #ltc #dot #link #lrc #icp #xtz #xyo #mir #shibainu #amp #xlm
This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
Send in a voice message: https://anchor.fm/live4/message
Writing a book has been something that people say they want to do over starting a Podcast. I would say about for every five people that tell me that they want to write a book someday only maybe one says they want to start a Podcast.
Maybe more people are shy and would rather write down their words rather than saying them out loud? Most people that ask me how to write a book or how to start a podcast never do. I know everyone has their own stories they could share but most people don’t take action.
Podcasting is way more popular than it was ten years ago. I think most people adults have heard the word Podcast and a lot have listened to one.
There is like over 2 million Podcasts with over 48 million Podcasts episodes oberlo.com said when I googled it. This is my 100th Podcast episode myself.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
Become a Paid Subscriber to Live 4 Podcast
We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom.
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Check out all my Published books on Amazon.com. Here are a few of them:
Money Secrets - https://www.amazon.com/dp/B088GKF2TM
Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf.
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Click here for some Side Income and Part-time Business Ideas
Millsway.comand Live4.Club
Plan for retirement with our free tools today.
Net Worth - Best App for Investors
Become a Paid Subscriber to Live 4 Podcast
Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway #crypto #digitalcurrency #shiba #eth #sol #ada #avax #brise #xlm #mana #enj #cro #uni #matic #ltc #dot #link #lrc #icp #xtz #xyo #mir #shibainu #amp #xlm
This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
Send in a voice message: https://anchor.fm/live4/message
Gas prices are so high here in Arizona. I bet they are high where you live also. To add insult to injury is that our one car uses Premium Gas which is priced the highest here in Arizona.
Our Gas expenses is way up for the year over last year. As we all know Inflation has affected pretty much all areas of our lives. Our Grocery prices have gone up here also. So, we try to do anything we can do to save money on our household spending. Especially with our two boys that seem to always be eating.
I know on paper Inflation has made our House value look good. Our house is probably worth over $200,000 more than we paid for it. The issue with that is if we would sell our house than where do we live? We would need to buy another house and would spend the same amount or more. If we decided to rent then rents have gone way up also down here because of the low Inventory.
So, we are happy saving a little bit of money on gas. This app we use isn’t going to get anyone rich. It isn’t a get rich quick scheme but it does work. We have received money back from them. We have to get gas anyway so we might as well save some money also.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
Become a Paid Subscriber to Live 4 Podcast
We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom.
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Check out all my Published books on Amazon.com. Here are a few of them:
Money Secrets - https://www.amazon.com/dp/B088GKF2TM
Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf.
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Click here for some Side Income and Part-time Business Ideas
Millsway.comand Live4.Club
Plan for retirement with our free tools today.
Net Worth - Best App for Investors
Become a Paid Subscriber to Live 4 Podcast
Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway #crypto #digitalcurrency #shiba #eth #sol #ada #avax #brise #xlm #mana #enj #cro #uni #matic #ltc #dot #link #lrc #icp #xtz #xyo #mir #shibainu #amp #xlm
This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
Send in a voice message: https://anchor.fm/live4/message
We currently are using four different Phone apps to Mine for Free Crypto Coins and one being a Virtual Property trading game that I will tell you more about later.
There are a lot of different ways to Mine for Crypto. Some taking Investing a lot of money into computers and more. I have not dove into that yet because I am wanting to stay low cost and half way safe in Crypto Mining. The sites we use are free and easy to use.
As my normal disclaimer you should do your own research into Crypto and see a Professional Advisor before investing any money into Crypto or Crypto Mining. This is for Entertainment purposes only.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
Become a Paid Subscriber to Live 4 Podcast
We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom.
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Check out all my Published books on Amazon.com. Here are a few of them:
Money Secrets - https://www.amazon.com/dp/B088GKF2TM
Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf.
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Click here for some Side Income and Part-time Business Ideas
Millsway.com and Live4.Club
Plan for retirement with our free tools today.
Net Worth - Best App for Investors
Become a Paid Subscriber to Live 4 Podcast
Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway #crypto #digitalcurrency #shiba #eth #sol #ada #avax #brise #xlm #mana #enj #cro #uni #matic #ltc #dot #link #lrc #icp #xtz #xyo #mir #shibainu #amp #xlm
This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
Send in a voice message: https://anchor.fm/live4/message
Most people enjoy Birthday Celebrations. Are you able to have a special Birthday and stay with in your Budget? With social media we see our friends or others throw these large Birthday celebrations and may feel like we need to do the same or even more to show our loved ones how much we love them.
One thing that social media doesn’t show us when they post these large Birthday Celebrations is there Financial Situation. Maybe they have no Budget? Maybe they are in debt? Maybe they have no Financial Freedom plan? I have worked with Doctors to Managers in the past that on the outside they looked well off financially but the truth was they were so far in debt that Retiring early wasn’t in the current picture. Some of them planned on working till they died.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
Become a Paid Subscriber to Live 4 Podcast
We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom.
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Check out all my Published books on Amazon.com. Here are a few of them:
Money Secrets - https://www.amazon.com/dp/B088GKF2TM
Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf.
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Click here for some Side Income and Part-time Business Ideas
Millsway.comand Live4.Club
Plan for retirement with our free tools today.
Net Worth - Best App for Investors
Become a Paid Subscriber to Live 4 Podcast
Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway #crypto #digitalcurrency #shiba #eth #sol #ada #avax #brise #xlm #mana #enj #cro #uni #matic #ltc #dot #link #lrc #icp #xtz #xyo #mir #shibainu #amp #xlm
This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
Send in a voice message: https://anchor.fm/live4/message
Christmas time there are so many temptations all around us from TV, Internet, Radio, Ads in the Paper and more. We have feelings that maybe we didn’t get enough for our kids or maybe we should buy something for our friends. Darlene and myself seem to always buy stuff a week after we said we were completely done shopping. Crazy. LOL
We aren’t perfect at all. We have bought many gifts this year after we said we were done shopping for the Christmas season. Also, we bought gifts this year for people that were not in our Budget. Next year we may need to adjust our Christmas Budget? LOL
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
Become a Paid Subscriber to Live 4 Podcast
We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom.
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Check out all my Published books on Amazon.com. Here are a few of them:
Money Secrets - https://www.amazon.com/dp/B088GKF2TM
Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf.
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Click here for some Side Income and Part-time Business Ideas
Millsway.com and Live4.Club
Plan for retirement with our free tools today.
Net Worth - Best App for Investors
Become a Paid Subscriber to Live 4 Podcast
Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway #crypto #digitalcurrency #shiba #eth #sol #ada #avax #brise #xlm #mana #enj #cro #uni #matic #ltc #dot #link #lrc #icp #xtz #xyo #mir #shibainu #amp #xlm
This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
Send in a voice message: https://anchor.fm/live4/message
November was a good month for our Crypto Portfolio but we know any day it can drop a huge amount. That is why we have no more than 5% of our Net Worth invested in Crypto Currency. I believe it will be around and keep growing in our lifetime. Crypto is very volitive and there is a lot to learn about it. It seems to keep changing, growing and expanding. Now we are seeing more Virtual Gaming, NFT’s to Digital Real Estate that is built with Crypto Currency.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
Below is where we our Crypto Portfolio was at the end of November 2021. Also listed below is a quick recap of what each Crypto Coin is for.
Become a Paid Subscriber to Live 4 Podcast
We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom.
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Check out all my Published books on Amazon.com. Here are a few of them:
Money Secrets - https://www.amazon.com/dp/B088GKF2TM
Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf.
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Click here for some Side Income and Part-time Business Ideas
Millsway.com and Live4.Club
Plan for retirement with our free tools today.
Net Worth - Best App for Investors
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Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway #crypto #digitalcurrency #shiba #eth #brise #algo #sol #enj #Mana
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As a young professional trying to find their footing in the world, you are bound to face challenges. However, the path to success involves tackling these challenges head-on and becoming the best version of yourself. While there are no set guidelines that can guarantee success, this article by Mills Way takes you through a few important steps you can take to become financially and professionally stable in your life.
Thanks, Julie Morris for the above great info. You are good.
Mills Way is more than financial freedom -- it is a way to help people have choices in their life and map out their own route to financial freedom and happiness.
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As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast, drop me an email at bruce@millsway.com or Text me at 480-389-6224
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast, drop me an email at bruce@millsway.com or Text me at 480-389-6224
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
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Darlene and myself was talking about how many gifts do we really remember from our pasts. Especially most people don’t remember anything before age 6 because our Brains aren’t fully developed yet. We talked about even if we could remember what we got 10 years ago. Also, what gifts have we got in the past that we even use today.
I see these young parents with little kids going way over board on gifts and parties for the kids. Will the kids ever really remember it in the future? I bet they will remember if their parents go broke or file Bankruptcy. Listen to the whole Podcast for all the details.
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If you need more help, I can help with my Coaching service. I just want to help people have less stress about their Financial Future or their Retirement plans and spend more time enjoying life.
“The definition of insanity is doing the same thing over and over again, but expecting different results”. By Albert Einstein. I would also say the definition of insanity is believing you can live a financial responsible life without tracking how you are doing, having a budget and goals. I like following others who track their finances to compare our also. I enjoy helping people with their finances and goals.
We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom.
Check out all my Published books on Amazon.com. Here are a few of them:
Money Secrets - https://www.amazon.com/dp/B088GKF2TM
Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
Rizzle.TV – Short Educational Videos on Motivation, Leadership, Relationships, Money and Golf.
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Click here for some Side Income and Part-time Business Ideas
Millsway.com and Live4.Club
Plan for retirement with our free tools today.
Net Worth - Best App for Investors
Become a Paid Subscriber to Live 4 Podcast
Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway
This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
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What are your Values when it comes to Family, Work, Kids to life? We all probably have different Values and you may not agree with my friends’ views or mine but we hope to get you thinking. To possibly take a look at your situation and ask yourself is it me or them. If it is them then do you want to continue this pattern or take another route. The choice is all yours since you can’t change others, you can only change yourself.
When seeing what my close friend is going through it got me thinking about what my dad and Grampa’s Values where and that is probably where my Values came from. I agree with most things they both taught me but may have modified things over the years.
Let’s dive into their Values in 10 different areas. I know my dad wouldn’t waver from some of the values especially when they came to our family. Listen to the Podcast for all the details
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast, drop me an email at bruce@millsway.com or Text me at 480-389-6224
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Become a Paid Subscriber: https://anchor.fm/live4/subscribe
Check out all my Published books on Amazon.com. Here are a few of them:
Money Secrets - https://www.amazon.com/dp/B088GKF2TM
Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Click here for some Side Income and Part-time Business Ideas
Millsway.com and Live4.Club
Plan for retirement with our free tools today.
Net Worth - Best App for Investors
Become a Paid Subscriber to Live 4 Podcast
Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway
This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
Send in a voice message: https://anchor.fm/live4/message
Helping your senior parents downsize and move can come with exciting adventures and unanticipated difficulties. On one hand, you know your parents will thoroughly enjoy a smaller home that fits their physical requirements, as well as having more money and time for fun. On the other, you know the move will require a significant amount of effort. Between the complications of the housing market and challenges of sorting through an attic filled with memories, there is no shortage of work to be done.
The good news is that there are plenty of ways to make it a smoother process. While it’s true that downsizing is no small feat, it’s also true that it doesn’t have to be stress-filled or frustrating. With a little prep time and planning, you can help your parents downsize while making the move enjoyable.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
Become a Paid Subscriber to Live 4 Podcast
If you need more help, I can help with my Coaching service. I just want to help people have less stress about their Financial Future or their Retirement plans and spend more time enjoying life.
“The definition of insanity is doing the same thing over and over again, but expecting different results”. By Albert Einstein. I would also say the definition of insanity is believing you can live a financial responsible life without tracking how you are doing, having a budget and goals. I like following others who track their finances to compare our also. I enjoy helping people with their finances and goals.
We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom.
Check out all my Published books on Amazon.com. Here are a few of them:
Money Secrets - https://www.amazon.com/dp/B088GKF2TM
Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
Thanks, and have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Click here for some Side Income and Part-time Business Ideas
Millsway.com and Live4.Club
Plan for retirement with our free tools today.
Net Worth - Best App for Investors
Become a Paid Subscriber to Live 4 Podcast
Financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway
Send in a voice message: https://anchor.fm/live4/message
Become a Paid Subscriber to Live 4 Podcast
We have all probably heard the important lesson of living on less that we make. Some say “Less is More” or “Living Simple” could also be names for a Minimalist Lifestyle. Myself I prefer to call it “Simple Living”. So I will call it that off and on during this podcast. I just don’t want to confuse you. LOL
Any of my friends can tell you I am so excited about helping people reach Financial Freedom and their personal goals. There is no one path to reach Financial Freedom or any goal a person has in life. We all have many paths we can take to reach them and some paths can get us there sooner than others. Just like when we drive back to see family in Minnesota one path is about 26 hour drive and another path is over 30 hours. Sometimes we try different paths for different scenery.
So, what is a Minimalist Lifestyle? It could mean different things to different people. We all could have different versions of it also. To me it is living below our means with less possessions. We have tried to keep our house simple over the years by selling or throwing away anything we haven’t used in the last few years. We are far from perfect at this but getting better. Once the boys move out we will kick it in for sure.
In the future we have discussed selling our house and moving to an apartment or possible tiny home. Doing this we feel we can live cheaper and live simple. If it is possible to live totally simple or not. Things always come up buy you could have less things come up if you have less possessions or a smaller home.
Some friends tell me that no way they want to live a Minimalist Lifestyle because they want to enjoy life when they retire. So they end up working till they are a lot older than when Darlene is planning on retiring at age 54. Darlene is going to semi retire anytime from this year to three years. She is going to work mainly till age 54 for Health Insurance.
We won’t start moving towards a Minimalist Lifestyle till the boys move out and our folks quit coming down to stay with us in the winters. I feel once we go to it, we won’t sacrifice our retirement years. Instead we will enhance it by having more time and money to do things during our Retirement years instead of working on things around the house or doing yard work.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
Become a Paid Subscriber to Live 4 Podcast
Net Worth - Best App for Investors
Let me know your thoughts about this blog and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful. Also, please see my Disclaimer page.
Check out all my Published books on Amazon.com. Here are a few of them:
Money Secrets - https://www.amazon.com/dp/B088GKF2TM
Richer Living - https://www.amazon.com/dp/1695676815
Wake Up - https://www.amazon.com/dp/1694989585
Millsway.com and Live4.Club
Click here for some Side Income and Part-time Business Ideas
This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
Send in a voice message: https://anchor.fm/live4/message
I know over the years we have family learning lessons. A lot of the lessons we had recapped and put in our book called “Money Secrets to Make You Rich”. But you are now almost 20 and 16 years old and you are going to be going out into the world with us to have family learning time with you. Please know Mom and Dad love you both a ton and we will always be here for any advice or as a sounding board for you both. It is your time now to take action for your future. We can talk about it all we can but now is your time to decide what type of life you want to have.
Good Friends
Remember most people are lucky to have a few truly good friends in life. I know you think your Xbox friends and School friends are your good friends but will they do the following for you in life?
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Let you live with them if they were homeless?
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Be your best supporter of you and your Business?
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Help you grow and push you to be a better person?
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Travel to see you at least once a year if you live far from each other?
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Help you find a job if you were out of work?
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Be there if you were really sick?
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Be there if you need help with a big home project?
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Be there if you are moving?
These are just a few items to think about. Also, a good friend would bring up doing this thing for you without you having to ask. Remember things are all a two-way street and ask your self what kind of friend are you? Same goes for relatives, would they do the above things for you all the time. Also, not all relatives will be there for you in the above ways. My Dad was my biggest supporter until I met your mom.
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As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
Listen to the whole Podcast for all the details
We hope our boys will give 100% towards any of there goals. For instance if Seth wants to make the Navy his career that he would start today eating better, working out, going for runs, going to the Navy Recruiters office to check in and see what he should be learning, joining Navy recruits group, watch You tube videos on Navy topics, practice swimming, read books on the Navy and more. Then he would be ready to go into Bootcamp at full strength and ahead of others because he prepared in advance.
Become a Paid Subscriber to Live 4 Podcast
If you need more help, I can help with my Coaching service. I just want to help people have less stress about their Financial Future or their Retirement plans and spend more time enjoying life.
“The definition of insanity is doing the same thing over and over again, but expecting different results”. By Albert Einstein. I would also say the definition of insanity is believing you can live a financial responsible life without tracking how you are doing, having a budget and goals. I like following others who track their finances to compare our also. I enjoy helping people with their finances and goals.
We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom. Love Mom and Dad
Millsway.com and Live4.Club
This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
Send in a voice message: https://anchor.fm/live4/message
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Haven’t you learned so many things over the years from different people. Maybe it was a class in school or a book you read that gave you something good to help you be more successful in life or less stressed in life.
My Live 4 Podcast Subscription plan is just $1.99 per month or $23.88 per year. That is like one less Big Size candy Bar a month. That’s it and it is better for your health I would guess than that Candy Bar. LOL
Over the years I have been blessed to work with over 1,100 people with Debt Problems. Most of them probably never thought they would ever be able to retire. When I sold Insurance so many people also had spending problems and not prepared for Financial Freedom. A lot of them also thought they would never retire.
So, I would say isn’t $1.99 per month worth the possibly of learning tips or getting some motivation to take action. You may have heard some of the things we cover on our Podcast but may have forgot them or put them in a box in your garage. Now is the time to take action and get on the road to Financial Freedom.
We also talk about not only Financial Freedom tips, but ways to get Debt Free, Budgeting, Raising Kids to be Financially Independent, to Retire Early, Marriage, Relationships and more.
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As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
Here are some more thoughts about why to Invest just $1.99 per month towards your Financial Freedom. Listen to the whole Podcast.
When I am out in public I am often talking about the subject of Financial Freedom with friends and people I meet. I like to learn from their experiences and their financial choices. There is no right or wrong way but there may be some roads that don’t have as many curves and you get to your destination faster. But ultimately it is up to you to invest your money and time to get there. You have to be the one to take action. I can talk till I am blue in my face to my kids but if they don’t want it bad enough, they won’t do it. Then they have to live with the consequences.
Poor Money Management can lead to stress. Some people I have worked with over the years said some of the following;
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I am afraid to answer the front door because it may be a bill collector.
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I am afraid to get the mail because we may have bills in it.
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I don’t know how I am going to make our house payment this month.
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I don’t know how I am going to make our car payment this month.
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I don’t ever see being able to retire.
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I already work two jobs and we keep falling behind.
The list could go on and on. I am here to try to help give you hope and ideas on possible things to try to help your situation.
I will let you know what we do in our family situation and what are assets are. We live Debt free so we talk assets. Please join as a Subscriber today.
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If you need more help, I can help with my Coaching service. I just want to help people have less stress about their Financial Future or their Retirement plans and spend more time enjoying life.
Thanks, and have a great night. Millsway.com and Live4.Club
Plan for retirement with our free tools today.
Become a Paid Subscriber to Live 4 Podcast
This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
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Governments and people alike are nervous I would be because anything thing that is unknown or not normal can make people nervous. Our protective walls go up and say stuff like “That won’t Work” or “That is a Scam”. Some of my friends think I am crazy and that I should run away from Digital Currency.
Think back in 1983 when people heard that someday every body would have a computer in their house. LOL I thought they were crazy. I missed out on investing early on into the future of Computers and Software. So, part of me don’t want to miss out on this possible wave.
Now that Tesla and other businesses have invested in Digital Currencies that it may get more and more part of our normal way of life. Who knows maybe someday there will only be Digital Currency? Who would have ever thought we would carry around a phone and have more power than a personal computer did back in 1983?
We are in our early Retirement years we may not see the full roll out of Digital Currency in our lifetime. But it has been amazing the massive growth it has had. But of course, it has had some massive Dips in value also just like Stocks or Real Estate can have.
Digital Currency Investing may not be for someone who is totally into Stocks or Real Estate. But think if you owned Real Estate rental properties or sold properties and you were able to be one of the few that currently would accept Digital Currency as payment. Wouldn’t that set you apart from others? I think it would. After I said that I am thinking I may be onto another business venture myself with this idea.
Mark Cuban, I heard owns Digital Currency and someone said that he thought of it as the future and if he would start a new business it would have Digital Currency around it or in it. If you go use my favorite tool called Google you will see some of the Digital Currency, he is invested in.
Governments around the world are probably all scrambling trying to figure out how to handle this new Digital Currency world that is becoming more of a household name.
I know for myself I have now had two tax returns that I had to show my Digital Currency transactions and net gain or net loss. In the United States the IRS have it figured out it seems.
Taxes can be a little more confusing with government requirements. My Accountant said I needed to get all of my info together for Digital Currency and put it on the IRS forms. I found Koinly.io and it made it easy for me. It did cost me $100 but well worth it. Check them out and save $20 discount. Just click here at https://koinly.io?via=0ACA8E2D
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Thanks, and Have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Click here for some Side Income and Part-time Business Ideas
Millsway.com and Live4.Club
This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
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We seem to live in the world of scams now a days. There was probably many scams back when I was a kid but now that I have kids they seem to be coming out of the woodwork. We just try to prepare our kids of possible scams so they may not lose money in the future due to a scam. Scammers if they would use their skills for good they could probably make a good living.
I have friends that have been scammed by repairman scam, e-mail scams to fake girlfriend from Russia. Some scammers make it look so real so they are hard to tell at times that they are really a scam.
Now we are at a time of Bitcoins and other Digital Currencies I bet we will see more scams in the future. Today let me give you a few things to think about when dealing with Bitcoins or Digital Currency so you may have a better chance of not being scammed. I bet there are a ton of scams out there and that is why we teach our boys to research into things before they invest in them. I also included a link in the show notes of the info from the Federal Trade Commision where I got some information on Bitcoin scams.
Bottom Line is to Beware of Bitcoin Scams
Since it was introduced, Bitcoin has continued to rise exponentially
beyond what enthusiasts predicted at that time. As much as it is highly volatile and unpredictable, it is fast becoming a globally-adopted digital currency, and unlike normal currencies, there are no central authorities overseeing Bitcoin transactions. Once a Bitcoin transaction has been carried out, it cannot be reversed or recovered which makes it a huge focus for fraudsters.
There are still so many unknowns for us about Digital Currency. I know that Darlene isn’t excited about them but our boys see it as the future. I feel it could be mainstream someday but maybe not in my lifetime. We are an Angel Investor in a Credit Card company that used Bitcoins to convert to Money so you can buy purchases with it. Time will tell if our Investment was a good on or a wasted one.
We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals.
Thanks, and Have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Click here for some Side Income and Part-time Business Ideas
Millsway.com and Live4.Club
Personal Capital - Manage your money now. Smart way to track and manage your financial life. Award-winning financial tools and more.
financial freedom #financial independence #FIRE #Hustle #Live4 #podcast #millsway
Sources and Resources from Podcast (Available in Show Notes)
- https://www.consumer.ftc.gov/blog/2019/11/scams-telling-you-pay-bitcoin-rise
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Bitcoins have been talked about a lot in the news and online. Some people are scared about it and some people are excited about it. One of my friends called it in nice terms a very risky investment. Myself I could see it being a mainstream currency. I actually invested in a Credit Card company that deals with Bitcoins. My boys are more open to Digital Currency than the guys I golf with.
An example of Bitcoins becoming more stream line is a good article by Steve Kovach from CNBC back on 2/8/21. He wrote “Tesla also said it will start accepting payments in bitcoin in exchange for its products “subject to applicable laws and initially on a limited basis.” That would make Tesla the first major automaker to do so. The $1.5 billion worth of bitcoin will give Tesla liquidity in the cryptocurrency once it starts accepting it for payments.
Tesla’s move into bitcoin represents an investment of a significant percentage of its cash in the investment. The company had more than $19 billion in cash and cash equivalents on hand at the end of 2020, according to its most recent filing.” Link to the full article is located in the show notes of my podcast and below.
My wife doesn’t seem very excited about Bitcoins or any other form of Digital Currency. So, I am trying to learn more and more about the subject so we can decide how much we want to Invest into it. Plus, we want to be more informed on Digital Currency to help educate our boys about them so they can make informed Investing decisions in the future.
The money we have in Digital Currency so far is money we earned from watching some short videos and took a quiz afterwards. So, we have house money so far invested in Digital Currency. The Bitcoins I had years ago was not with Coinbase and I can’t yet find the passcodes to get them. It is probably a pipe dream that I will ever find the passcodes. If I do then we are going on a long vacation. LOL
Other than Politics’ very few things divide opinion across the globe as Bitcoin does. That’s mainly because only a small percentage of the population truly understands what it is. Some view it as an item that can only be utilized by the tech-savvy, while others believe it's used for the wrong purposes. But, in fact, Bitcoin is just a virtual currency that creates anonymity.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.comor Text me at 480-389-6224
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Thanks, and Have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Click here for some Side Income and Part-time Business Ideas
Millsway.com and Live4.Club
Sources and Resources from Podcast (Available in Show Notes)
- https://www.cnbc.com/2021/02/08/tesla-buys-1point5-billion-in-bitcoin.html
This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
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Bitcoins have been in the news big time over the last few years and stories of how people got super rich. I do have to say that I once had a lot of Bitcoins that I had earned back over ten years ago. I didn’t take it serious and forgot about them. There codes are on an old computer that is no longer around. Also, I have not been able to log into my old email account. Ughhh I could be worth many millions of dollars easily by my memory of how many coins I had. Now I use Coinbase to store my coins I have.
Most people only know about Bitcoins but there are a lot of different Digital Currencies that are available to buy or sell. Today I want to talk about sites that claim you can earn free Bitcoins fast. My disclaimer is that I have not found any special site that has worked for me but Coinbase to earn any free Digital Currency coins.
What is Bitcoin? Bitcoin is a payment system that was introduced in 2009 by Satoshi Nakamoto as an open source payment system. It is a digital currency that is used mostly for online transactions. Since it was introduced, it has grown expediently. You might think that a highly valued cryptocurrency like bitcoin could only be gotten through trading, investment or using it as a means of payment for service rendered, but bitcoin can also be earned.
If you are not one to take risks, but you are interested in earning bitcoin freely, we have selected the top 3 best sites where you can earn bitcoin without investing anything. All that is required to redeem your bitcoin is to open a bitcoin wallet into which your earnings will be paid. Each of these sites is what is called a Bitcoin faucet. A Bitcoin faucet is a website that gives slight sums of Bitcoins to users who place ads on their website. To learn all the details about this way of earning Bitcoins fast they say, The first three listed below is some that I have read about but don’t know if they really work like they say they do.
Let me know your thoughts about this blog and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful. Also, please see my Disclaimer page.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.comor Text me at 480-389-6224
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Our boys are good boys and we are very proud of them and love them to death. But they still worry me that they may not be Financially Free in the future because of their lack of Action towards Money and Education. Like is hard and even harder if you don’t have money. We constantanly tell them they need to live with the Consequences of their Choices they make.
In Robert Kiyosaki book called “Retire Young Retire Rich” he said that “Alan Greenspan, chairman of the Federal Reserve Board, recently said on television, “We need to start teaching financial literacy in our schools” We need to start teaching our kids to take care of themselves financially, rather than teaching them to expect the government or company they work for to take care of them after they retire.” Robert wrote “The Leverage of Your Actions. There is an overused story about three birds sitting on a fence. The question is, “If two birds decide to fly away, how many birds are left?” The answer is, “Three birds are left.” The lesson is, just because you decide to do something does not mean you will do what you decide to do. In the real world less than 5 percent of the U.S. population is rich because 95 percent of the population may want to be rich but only 5 percent takes any action.”
We hope our boys will be the 5% that take action towards their Financial Freedom Goals and their Education. But currently they are sitting back thinking others will come to them and teach them. They think they just need to know the basics to get by in life. They are not showing any extra drive to be that 5%.
For instance, our oldest Son that dropped out of the Navy signed up for College and we pushed him hard to get a job and sign up for College. Currently at his job he just does the basics and not trying to add value to himself by learning more about the company. He started his schooling but is only in class for one to two hours a day and doesn’t try to learning stuff on his own. He says that school will teach him all he needs to know. So, his free time is spent playing Xbox or on the phone with his girlfriend. We told him starting in October he has to start paying Rent so he better start taking some Action in his life to be more productive.
Our youngest one seems to be following in his brother’s foot steps also. He is on his Xbox or phone most of his free time. He does the basics he needs to do to just get by in High School and isn’t trying to study and get good grades. We have given him tons of ways to make money around the neighborhood or on-line but he chooses to ignore them and just keep getting by.
Consequences both boys could face is being in that 95% of the population that just gets by. The 95% that gets by probably have just an average income, has debt and has little saved for Retirement. They may end up working till there bodies won’t let them anymore. They have to be able to live with there choices they are making. What choices are you making towards your Financial Freedom and Education?
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
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Sources and Resources from Podcast (Available in Show Notes)
- Retire Young Retire Rich Book by Robert Kiyosaki with Sharon L. Liechter CPA. Xviii page xix
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We like to point out to the boys all the time the people that are rich and famous but yet living frugal lifestyles. Our boys like to put these youtubers to Tik Tok kids up on a pedestal because they drive fancy cars and live in these big houses. They watch videos of these people throwing money away to friends and family like its water. We try to bring up to them what would happen to these people if it is real life if You Tube or Tik Tok would quit paying them.
I tell the boys there is nothing wrong with living frugal and not wasting their money. There are so many people that have Millions of dollars that don’t look like it. They don’t have fancy cars, they don’t take fancy trips, they don’t wear Rolex watches, they were simple clothes and live-in simple houses.
Some people want to dream higher than a Millionaire to a Billionaire and they want to live like a Billionaire before they put in the work and became a Billionaire.
I feel most Billionaire know how to live frugal and most probably did before their business took off. Some kept some of those habits even after becoming a billionaire.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
For instance, let’s talk about some Billionaires and their frugal habits and pasts. Listen to my Podcast in full.
If Social Security isn’t around in 15 years, we may get really Frugal to get by but by then we hope both boys are out on their own. Then if we need too, we could always rent out their rooms for extra money if Social Security was not around.
We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals.
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The more questions we ask the more we learn about Social Security to help us with our Retirement Projections. My Dad and myself got talking about what happens when once spouse dies how much the other spouse gets then from Social Security for monthly payments if they are both retired.
We hope we never will need Social Security to get by on but it looks like for our situation that it will be part of the money we will need to keep our current lifestyle. We hope to live long healthy lives so we will be able to keep golfing and traveling when we both are retired.
My Dad thought the living spouse got the whole Social Security amount each month of the spouse that died and I was thinking it was half of what the spouse was getting.
So, I called Social Security Office and was put on hold for over 30 minutes. Ughhhh Once someone came on the line, I asked them what happens when one spouse dies and you both are retired. She said the living spouse gets what ever spouses monthly check amount was the highest. So that confirmed with me that we were making the right decision for us to wait till I am age 70 to start Social Security. We still are deciding on what age Darlene will take hers. We will keep reviewing our Retirement Projection each year to decide what is best for our situation.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
Let’s also review how Social Security is figured before talking more about why we like waiting till age 70 to start my Social Security. Listen to the whole Podcast for the whole episode.
We teach the boys to live debt free and especially at Retirement time. We want them to work with a Financial Planner if they don’t feel they have the education to take care of their Retirement Funds. We really hope they will consistently keep educating themselves on Personal Finances and Investing.
We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals..
What age did you start taking Social Security? If you haven’t started yet then what age do you plan on starting at? Why did you choose that age?
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
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Sources and Resources from Podcast (Available in Show Notes)
-
Social Security Stats from https://www.ssa.gov/planners/retire/1943-delay.html
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Social Security Break-even Points https://www.cnbc.com/2018/08/13/those-social-security-break-even-calculations-can-be-misleading.html
-
Here is a link to go see your Social Security Statement - https://www.ssa.gov/myaccount/statement.html
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Recently we took our car in for an Oil Change and the Store Manager came out to the sitting area and gave me a long list of repairs the car needs. It was over $3,600. I said to him that the cars value isn’t much over that. When the shock wore off, I told him I was going to hold off for now.
When I got home and started looking up Used Cars that had less miles than my car did it looked like I would need to spend over $15,000 easy to get the same model car but maybe 8 years newer and maybe 80,000 less miles.
Then Darlene came home from work and we talked it out. We decided to take the car to our normal mechanic for a second opinion to see what they said. We told them that we like the car because it looks nice and runs really well. He said it is a nice car and has a good motor in it. He was in favor of fixing the car if we were going to hold on to it for the next few years.
He brought up that all cars need maintained and why buy someone else’s problems. He said most cars start needing some work done to them around 70,000 miles. So, I may end up still having car repairs even if I bought a newer car. Besides that, I would have the cost of the newer car plus higher Car Tabs and higher Car Insurance. Darlene and myself decided for us and our situation that it was best to hold on to our car and do the maintaince on it that it needed.
I am for fixing the car also because I am not a fan of the car shopping process. A friend of mine once said he would rather go to the Dentist then go car shopping. I am not a fan of Dentist either and probably enjoy some of the hunt and numbers of car shopping. - More Details during Podcast.
We also cover with the boys how to maintain their vehicles so they last longer and hopefully it will save them less future car shopping trips in the future. LOL, we do plan on buying Darlene a new Van once her Van hits around 125,000 miles since we drive it a lot back to see family. We still have two or three years till we go car shopping again. We plan on holding on to our Car for life if we can since we don’t drive it often.
We hope everyone hits their Financial Freedom Goals from our family – The Mills Family.
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Sources and Resources from Podcast (Available in Show Notes)
- Spend Smart Book by Bill Keenan
- The Millionaire Next Door Book by Thomas J Stanley, Ph.D. and William D. Danko, Ph.D.
- The Do’s and Don’t of Money Book by Suze Orman
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Hope you had a fun New Year’s Eve and New Years Day. I am excited that it is 2021 and all the new opportunities we have this year. It would be hard for 2021 not to be way better than 2020. As many people know a lot of things can happen to a family in a short period of time.
Last year we saw COVID-19 mess up peoples lives in so many ways. For instance, some businesses had to shut down and some never reopened. Which caused a lot of people to lose their jobs and probably their only source of income to pay their bills. If they didn’t have an Emergency Fund then they are probably behind on their bills.
Some people that got COVID-19 had to be hospitalized and I am sure that ran them up some big hospital bills. I know my four hours in a hospital was expensive for us. Until the COVID-19 Vaccine is available to everyone I am sure more people will be hit with large hospital bills in 2021.
I don’t want to scare people about COVID-19 because I am talking about it. I am not a Medical Doctor or giving any Medical Advice to you. But it is a big Thing that is in the news and our world last year and will be this year probably. Seems like a lot of people have different views on it. The ones that are really afraid of getting it probably needs to find a way to never leave their house or have anyone ever over. We don’t live that way and most of our friends don’t live that way.
Some do and we just don’t see them. Such a small percentage of people live this way. I love the guys I golf with; they shared a bottle of Brandy the other day and shake hands. They are older than I am and have seen a lot of things over the years that was supposed to be dangerous to their lives. They choose to enjoy each day they are above ground. I am in that boat also. I have out lived my friends and cousins so far and not going to quit living due to COVID-19. I say leave Businesses open and let people choose to go shop them or not.
We just think it is funny how many cars are on the road. Darlene works in a Grocery store and they are busy with customers. We go to other retail shops and there parking lots are jammed full. Yet some people act like don’t get by me when you are shopping. I say they should just lock themselves up in their house and do home delivery then. They should just never live the house. They made the choice to go to the store, I didn’t for them.
Many people do not have enough money in their bank accounts to pay for a $1,000 car repair bill. I have worked with and talked with so many people that had less than $100 in their checking and savings account. Many had no retirement savings either. I have heard that one out of four people have no emergency savings fund.
We believe in having an Emergency fund for our family. We teach our boys to have at least six months of their total expenses in a savings account. We like to use a Brokerage Account for our Emergency Funds and we invest it in Stocks, Mutual Funds and EFTs. We know if we have to liquidate some funds to pay off an unexpected bill, we could with in about seven days at the most.
Remember this show is for entertainment only and you should seek advice from your Financial team if you have any questions on Investing. See my Disclaimer on MillsWay.com. I want to help you prepare for an unexpected bill so you don’t go into debt paying on a bill. I want everyone to live Debt Free and reach their Financial Freedom goals.
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Thanks, and Have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
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Christmas is tomorrow and then we start a new year in just seven days. Are you looking forward to the holidays or are you feeling down? This time of Year, can be hard for people depending on what their situation is and what has happened in their world in the past.
For myself when I am watching Christmas and Holiday shows on TV it can get me down really easy in the past. Even today there is times that it can get me thinking of the past but now I have some ways to help me get to a better mood.
We all have past experiences that can affect us in a good way or a negative way depending on how we look at it. I know there was some Holidays in the past that wasn’t a lot of fun for me because I couldn’t get myself seeing the good things in my life. Two big events in my past was my Divorce and then when my Dad died.
Then I met Devin Hastings years ago and he taught me about the Mind and how to use a Positive Score Card. He taught me NLP and Hypnosis Classes for a few years. His classes where amazing and I learned a lot about the power of our Minds.
This last year has been challenging for everyone from the roller coaster of the stock market to uncertainty of jobs being around with the disruption of businesses. Some people had challenges on home schooling to finding day care for their kids when the schools went to home schooling.
I’m sure people around the world felt all sorts of feelings this year. I would bet that depression and anxiety rates are at a all time high. Friends of mine had different things that were bothering them about 2020 from having to wear a Mask to not being able to go to their favorite restaurant.
Before we wrap this up some other ways people show Gratitude is, they will pray or meditate. I have done both in the past but for me reading my Positive Score Card and Positive Quotes helps me the best.
We hope everyone has a safe, fun and happy Christmas and New Years from our family – The Mills Family. This is our Christmas Card to you. LOL
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.comor Text me at 480-389-6224
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There are a lot of different philosophies on the subject of if you should stay in the market through the up and down times or not. Some of my friends say they get out when it is high and then buy when it is low. They swear they make a ton of money doing it that way. Yet, I don’t have a crystal ball on when the Stock Market is at around the top and not going any higher. I would have felt bad jumping out of the Stock Market when it was even at 20,000 and then waiting for a crash. I would be missing out on all these dividends and growth we have been receiving.
I have been to classes and heard from many other people that was against trying to time the market and they showed examples of why not to try jumping in and out.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
The mental part of Investing is a challenge and with all the news that hits us constantly from our TV’s, Radio Stations, News Paper to Social Media posts we are smothered by good or bad news on the stock market and opinions.
We teach the boys to hold strong to their beliefs and ride out the stock markets roller coaster. To hold on to their stocks and not to try to time the market. They think it is boring to just hold on to their stocks and not trade them. I hope the older they get they will realize that holding is the way and yes it can be boring to some.
To also have the money they have in Stocks, Real Estate or Businesses. Not to be sitting around not working for them.
Of course, we want them to keep building on their Financial and Investing education each year and work with their Financial Team to make the best choices possible towards their Financial Freedom goals. We want them to learn how to make the best educated choice when picking a stock. They should feel that stock is a solid company and will be around through their retirement years.
The boys are human and the stocks they own go up and down. So often they will say “If I had only sold it before it dropped”. Each time I remind them that they are in for the long run and they have probably at least forty more years till they retire.
With AI technology coming into play who knows what the world of Investing will look like in the next forty years for our kids. I feel AI is the future for sure. For all the Details listen to the full Podcast Show.
If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com or Text me at 480-389-6224
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Sources and Resources from Podcast (Available in Show Notes)
1, Tony Robbins Book called “Unshakeable”
https://paulminors.com/blog/unshakeable-tony-robbins-book-summary-pdf/
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We have taught our boys to shop around for the best Financial Planner that they like. We have told them to do research on different Financial Planners from what they charge and more. We want them to feel good about who they work with and are able to talk with them comfortably. If they do choose one to work with, we prefer Free of course or if they do pay, then to pay a fixed cost.
I have talked to people that pay a percentage of their holding to a Financial Planner. Some paid from around $5,000 to $20,000 a year. Ouch. Six years ago, when we had someone want to be our Financial Planner it would have cost us over $6,000 a year. Think if we paid that each year for twenty years for a total of $120,000. Would we have maid more than if we did it ourselves or not.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
Basically, there are four fees the boys could pay for a financial planner or advisor;
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Free – I like this option the best.
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Flat Fee – Could range from $500 to $3,500.
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Percentage of your Portfolio – For them to manage your investments monthly. Charges could range from .80% to 2% of your money they are managing for you.
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Hourly Fee – This isn’t a bad option if you just want to see them once or twice to help you with advice. They could also help you create a financial plan. Cost could run $75 to $400 an hour.
Of the four above options I still like the Free option with our current situation. Maybe for the boys one of the other options will work better for them. I know they could benefit from working with a Certified Financial Planner and if it is in their budget it could be a good investment.
Finding a Certified Financial Planner that you may like to work with can be more of a challenge. At least if they are Certified Financial Planner then you know they took the classes and received the training to provide good advice. For more details listen to the whole Podcast
If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com or Text me at 480-389-6224
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Everyone has different situations and goals in life. Not everyone may need to have a Financial Team or if they have one maybe they don’t need to see them yearly. For instance, my Mom who has no Assets and lives in a Nursing Home doesn’t need a Financial Team. We hope though our boys will acquire a lot of Assets in their lifetime and need a Financial Team along their journey to Financial Freedom.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
We want the boys to have a Financial Team to help them make sure they made educated choices towards their finances and that they are protected along the way.
Having a Financial Team is important, but to always keep a good relationship with them along the way and to keep in touch with them. For us we like to keep in touch yearly in one way or another. Once we have more Assets, we may need to see them more often.
Having a Financial Team can be expensive since they are professionals and may charge a lot for their time. Darlene and myself want to control our expenses so when we are working with one of our members of our Financial Team we are prepared and keep things on track to limit the time we spend with them. Since some of them charge by the hour and some by the project.
Some people may spend a lot on their Financial Team but we keep ours pretty low cost. Except for our Accountant we just changed this last year and they charge more than our last Accountant.
Our last one retired so we were forced to change after twenty years with him. It was hard change for me, almost like a death in the family. We took along time looking for a new Accountant. Once that we could trust and afford within our budget.
Nice thing about having a good Financial team that you can trust is that they can help you put together your Financial Freedom goals and plans to achieve them. As we know life happens and changes need to be made so it is good to keep in touch with them yearly at least. It will help with the relationship you build with them also. Listen to the whole Podcast for all the details.
If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com or Text me at 480-389-6224
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Most people that work at a job hopes to get a pay raise each year. Some employees want them more than once a year. Wages is one of the largest expenses they have to run their business.
If you own a business then you know if you want to stay in business then you need to show a profit. If wages go up then you need to find a way to cover that expense. Most businesses raise the prices to cover the cost. This starts at the Manufacturing level to the Retail level. Each business needs to pass on the costs of operating so they maintain their profit margins to stay in business.
There is such a push to get the minimum wage up. In some states they are pushing to get it up to as high as $15 per hour. With the Federal Minimum rate at $7.25 per hour. Here in Arizona in 2020 we are sitting at $11.00 an hour.
The Federal Minimum wage rate in 1955 was 75 cents per hour. In 1975 it was $2.10 per hour and in 2015 it was $7.25 per hour. The link to this is in the below show notes. As you can see it has gone up quite a bit over the years so no wonder prices have risen. This shows why we need to factor an Inflation rate in our Financial Freedom plans.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
U.S Bureau of labor Stats in April 2014 listed some of the below food prices back in the following times. The link is below in the show notes.
Apples – 15.1 cents per pound in 1955. 34 cents a pound in 1975. We currently pay now around $1.19 per pound for the cheaper apples. For more info listen to the whole Podcast.
. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com or Text me at 480-389-6224
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Sources and Resources from Podcast (Available in Show Notes)
1. Prices in the past from U.S. Bureau of Labor Stats April 2014 - https://www.bls.gov/opub/mlr/2014/article/one-hundred-years-of-price-change-the-consumer-price-index-and-the-american-inflation-experience.htm
2. Inflation Caculator - https://www.usinflationcalculator.com/
3. Past Inflation Rates by Year - https://www.thebalance.com/u-s-inflation-rate-history-by-year-and-forecast-3306093
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Bottom line with all the news and experts out there the final decision when it comes to our Personal Finances is our own. That is what we teach our boys when we are teaching them our rules to Financial Freedom.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
Some people you hear on the news can say we are in a Bull Market and then the next channel they can say we are in a Bear Market. Today I read one article on-line that said the market looks solid for the next year with the solid earning reports and low unemployment. Then another article said to basically sell now that we were entering into the next recession. For a second when I was reading it, I was thinking what if they are right? Maybe I should sell everything?
Being married we have two opinions in our relationship when making big decisions or strategy towards our Financial Freedom. If a person is single, they only have to worry about themselves and can make a decision by themselves. In our marriage we like to talk things out and agree on big decisions.
We both have been to seminars together; we have talked with several different Financial Planners. We have studies and read a lot about Personal Finance. We don’t have a crystal ball to know what the future will be though, but we have a strategy we are going to try and stick with.
So, no matter what a friend or relative tells us we should do we are going to stick with our own opinions. We listen to people and try researching things to see if maybe we should change our strategy or not. We try to not let other people or the news sway us. Darlene is really amazing at like blocking away what other people say and sticking with our plans. I think she does a better job than I do at times.
We are both human and when a trusted person said that they are doing something a certain way we take the time to analyze if we should make a change or not. Most of the time we never alter from our set path.
I still remember back in when the Dow Jones broke 8,000 and people said to sell now, it is going to crash. It won’t get any higher. Then I heard a lot of the same news when the Dow Jones broke 10,000.
Of course, we had different events over the last 20 years that brought the market down for a while. But things rebounded. Year 2000 we had the Dot Com Crash. Years 2005 to 2010 we had the Real Estate, Auto Manufacturers and Banks effecting the down turn the Stock Market. Listen to the whole Podcast for full details.
If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com or Text me at 480-389-6224
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Pensions aren’t as common as they were back when my Dad was working at International Harvester. They made Farm Equipment there in Rock Island, IL. They had a Union there which my Dad was a Shop Steward for the Union. They also had a Pension and Health Care for life for Mom and Dad. Pretty good deal. I am going by what he told me I never read all the details of it.
In todays world it seems like fewer and fewer companies offer a Pension plan. Companies that don’t have Pension plans normally have a 401K plan, even most small companies offer one. We teach our boys that if their company offers a pension, they need to find a way to work there long enough to qualify for it. Of course, if they just started there and it is a dead-end job then maybe it isn’t worth for them sticking it out. If the business would go out of business then that is out of their control also.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
Darlene already has a lot of years in with her current company towards her Pension plan with them. It would be good for her to stick with them till she qualifies for the Pension. She is able to even work just 20 to 30 hours a week average and still get credit towards the Pension.
Her Pension contract is a revised contract from earlier years so it isn’t as good but it could still help us out at retirement time. We project it could be around $6,000 per year income for life. Possibly starting for her at age 65.
A lot of the guys I golfed with are retired from Pension plans also but they are in their 70’s and 80’s. I have worked for several different companies over my career and none of them offered a Pension plan. So, I am glad Darlene is able to at least get a Pension at her job.
Darlene also has money invested in her 401K plan to help supplement the Pension money. Plus, we have other investments and Passive Income Streams. For more details listen to the whole Podcast.
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Many people I have talked to said one of the things they worry about is running out of money during their retirement years. I have those worries also myself. The more studies that I read about and people I talk to that withdrew 4% of their retirement funds and it worked out for them gives me a calming feeling.
No one has that magical crystal ball to know what the future may bring us. Especially with our Health. We could get sick and run up a ton of medical bills. One lady I know was put in a Nursing Home and she needed a lot of Medical attention. Before she passed a way, they spent over $1,000,000 of their own money on her care. So, it can go fast as times if we get sick in our older years.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
Darlene is good for me because she doesn’t worry about hardly anything. She is not worried about us running out of money in our Retirement years. She said we will be fine no matter what. I am a numbers person and want to put percentages in our favor. I don’t want to run out of money in our Retirement years.
For me to feel really comfortable I would want to be at a 3% withdraw rate at retirement time. I have friends that have taken out 3% and some up to 7% and they are still doing fine. It for sure depends on each person’s situations.
We printed off studies from different people to show our boys the chance of their money lasting at different withdraw rates. Of course, it depends if they have the money invested in Stocks, Bonds or sitting in cash. Plus, what mixture they have from 100 Stocks or 50% Stocks and 50% Bonds, etc.
My perfect world would be to never do a withdraw from our Retirement funds and just live off our Dividend Stocks and other forms of Passive income. But not every one has multiple forms of Passive Income. Listen to the whole Podcast show for all the details.
. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com or Text me at 480-389-6224
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Who are people trying to impress with expensive Apple Cell Phones and having Cable TV with all the Streaming Channels? If people are in debt or not even half ways towards their Financial Freedom goals, do they need these two items? What lessons are they teaching their kids if they have kids?
We made this a rule for our kids to help them reach their Financial Freedom goals and not get sucked into society making it seem like you need these items to look successful. Being successful isn’t being broke, living paycheck to paycheck or living with debt.
Success can be many things to many people but in the terms of reaching Financial Freedom having debt or living paycheck to paycheck isn’t success. It is opportunity to change, to take action towards your goals.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
We showed our boys what some others have paid for Cable TV, Cell Phones and Cell Phone Service. We ask them is it worth the extra cost versus living in a debt free house and possibly retiring early?
Cable TV - Listen to the whole Podcast Episode for all the details.
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We get phone calls, emails and texts daily at our house of people trying to get our information or to scam us. Everything from someone in England that died and left us 8.5 million dollars to call this number right away or the IRS will be taking you to court.
It has gotten worse since the Internet I feel. Now there is so much information that people can find out about other people on Social Media accounts and other websites.
Even with Credit Cards you can get scammed. In our town people have hooked up Skimmers on Gas Pump’s Credit Card Machine. I have heard of Scanners that someone can walk by you can scan your card. This is why I have my Cards in Protective Cases to try to help block that from happening.
We have a friend of ours that was shopping on the East Coast at a name brand store and the person who waited on her took her information from her ID and Credit Card and then went and took out other Credit Cards in her name. They eventually caught the lady who did it but our friend had to fly out to the East coast for the court case and testify. She lost not only time from her life, stress of the whole deal but also traveling costs.
It can be a nightmare for anyone who gets scammed. I know every time someone has used our credit card number fraudulent it bugs me a ton. We want our boys to be safe as they can in the future.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
With our Credit Cards our companies we have accounts with have been really good for investigating fraudulent charges. I once had someone send me a Money Order for a purchase, it seemed fake so I took it to our bank and they said it was. They took down the information and then did the investigation. We never lost any money any time so far that we have been scammed. Listen to the whole Podcast show for all the details.
If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com or Text me at 480-389-6224
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
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Sources and Resources from Podcast (Available in Show Notes)
1. Common Scams Information at https://www.usa.gov/common-scams-frauds
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Darlene and myself have many different checking accounts from Personal Accounts to Business Accounts. We teach our boys to have separate personal checking accounts if they are married or in a relationship. Also, we suggest they set up one checking account for each of the following; Home Bills, Debt Payments, investing to other accounts if needed.
Darlene and myself don’t need a Debt Payment account since we are debt free but a lot of people may need it. We also don’t need the other ones because our system works for us. A lot of people need those extra accounts to make sure they keep on track.
Some people even set up accounts for large upcoming expenses. For instance, a Wedding Checking Account. Where they each put money into the account for the wedding and then either one can write checks from that account to pay for wedding expenses. Once the money is gone, they are done spending. Hopefully they have been agreeing on what to buy and how much to spend. If not, they could have some pre-marriage fights. LOL
Darlene and myself have known other people that have separate personal checking accounts and one Home Expense account that each person puts money into the account each month. The people we know has been doing if for many, many years and are happy with it.
Other people we have told that we have separate checking accounts think it is wrong and seem offended by us doing it that way. I am sorry they get upset but it works for us and we believe in it. That is why we teach out boys to do the same.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
With having separate personal checking accounts, we each can spend our own money and not worry about getting it approved or feeling guilty buying something. For instance, if Darlene wants to buy a new golf club for $99, she can do it and not feel guilty about it or ask me for the money. She has the money in her account and can spend it on what she wants. Listen to Podcast for more Details.
If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com or Text me at 480-389-6224
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Whether you are married, in a committed relationship to being single we teach our boys to agree with their significant other or if single than a friend or relative before a large purchase.
This is really important if you are married or in a committed relationship and living together with plans to get married someday. You need to be able to both agree on large purchases and I you don’t then keep talking it out till you both agree. Communication is so important in any relationship and not always easy to do.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
Why you may ask, it is because if you don’t discuss it with your spouse or others than it could create a lot of frictions or future fights in your relationship.
Being single basically you only have to be accountable to yourself for your own finances of course but it is still good to talk it out with another person.
Sometimes we get caught up with emotions when wanting to buy stuff or someone talks us into it. But if we would talk out every large purchase maybe we would decide that we didn’t need it.
Maybe we realize when talking with someone else that it is a want and not a need. Maybe we would realize we would be better off not buying it and investing that money towards our Financial Freedom. Listen to the whole Podcast for all the details.
If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com or Text me at 480-389-6224
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Communication is so important in any relationship. When we have our monthly review meetings with our Spouse or significant other one it can be a stressful time when money is involved. Seems hard for some couples to be able to openly discuss money and finances.
That is why I suggest to people if they have problems communicating with their spouse then maybe have a third person at their monthly and yearly review meetings.
It is so important that both people in the relationship are on the same page when it comes to finances and working towards Financial Freedom.
I am sure you can tell early on by their tone of voice or lack or talking to what mood they are in when you are reviewing your numbers. Not all communication is speech though. A look or a certain way they hold their body can communicate volumes also.
Communication is the key to our existence, and this higher ability to communicate is what separates us from other animals in the world. While other animals have rudimentary communication skills, our skills are evolved to the point in which there are many different languages spoken, written, seen, and drawn. Not all communication is speech or writing. Listen to the whole Podcast for all the details.
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This is something I look forward to do each month and at the end of the year. I know I may sound weird but I like to work with numbers and analyze how we did for the month or year.
Darlene and myself have recaps of years past and then I have my recaps back from in the 1980’s. Yes, I am an old timer to some. LOL It is fun to look back at how low the numbers were on our Profit and Loss recaps back in the 1980’s and 1990’s.
We do Profit and Loss recaps each month and each year. I will call them P&L’s for the rest of the show to save me some typing. LOL
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
We do P&L’s for our Personal Income and Expenses each month and also for our Business ventures each month. For us it is our Monthly and Yearly report card on how we are doing. If we are winning or losing. Also, where we need to improve.
We compare a lot of different categories each month and year along with our P&L forms like how each of our Investments are doing and our total Net Worth.
Back years ago, when we had that nasty thing called “Debt” I used to do monthly and yearly recaps on that also. Thank goodness we haven’t had that for along time and plan on never being in debt again.
Each month the totals can range widely depending on when a big bill comes in. So, we list the big bills that are due at the top of each column on the recap to remind us. For more details listen to the whole Podcast show.
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To know if you are winning or losing you need to keep score. Just like in golf. You need to count all your strokes to know what your score was for the round and if you hit your goal or not. Also, you can see what areas that you need to improve in your golf game. Like I track not only my score per hole, but also how many fairways I hit, how many greens I hit and how many putts I made during the round also.
That is why Darlene and myself track all of our Expenses and Income daily. We need to be able to see if we are winning or losing against our budget and goals towards Financial Freedom.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
We track expenses maybe old school for some people but for us it adds something to the power of tracking by writing it down on our forms we have made up daily. When we write it and see it then helps us control our spending the rest of the month.
Our monthly expense forms that we write our expenses down on is pretty basic and we make subcategories in some of the columns. Some of the main columns are; Listen to the whole Podcast Episode for all the details.
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Over the years I have known many people that spent too much on a home they bought or a place they wanted to rent. Then something happens to them like a job loss or going to a new job where they made less money and now, they couldn’t make their payments anymore.
That is a reason that we taught our boys to have their total Home Mortgage plus Property Taxes and Insurance to be less than 25% of their take home pay. Same goes for if they are renting a place to live instead of buying a place.
Of course, our first choice for the boys would be that they would pay cash for a house they decide to buy someday. The second option if they do decide to buy a house before they have enough money saved then they get a 15-year mortgage.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
We want the boys to stay debt free their whole lives but if they choose to go into debt for their house then we hope they will follow the Mills Way to Financial Freedom steps that we taught them and pay it off even faster than the 15 year old mortgage they took out. Listen to the whole Podcast show for all the details.
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Last year when the Navy recruiters came over to our house the one recruiter brought up about how he wished his parents would have taught him the things we are teaching our boys. I told him that is why we are teaching our boys these lessons and why I am sharing it with the world with my Podcast, Blog and my book to be released hopefully before 2021.
The recruiter talked about how he paid his debt off differently than my method and it took him a lot longer to get debt free but he said he got such a good feeling when they reached debt freedom. He was now at the early stage of having some extra money but his wife was wanting to buy a new car.
We teach our boys that when they have any extra money leftover after they are completely debt free and their Emergency Fund is funded completely to Invest the money in their Brokerage Account.
They can also Invest in other Asset forms if they like, it is their choice. The main goal that we keep stressing to them is to work towards 10 times at least of their future expenses. So, if they think their future expenses at retirement will be $75,000 a year then they would need that amount times 10 plus their Emergency Fund of $50,000 for a total of $800,000.
If they want to retire-early we are suggesting they work towards 25 times their future expenses in their Brokerage Account since they won’t have their Retirement fully funded.
They of course can choose to have alternates to any of the rules that we teach them towards their Financial Freedom goals. Let’s say they decide to retire early and work towards 25 times their future expenses in both their Brokerage Account and Retirement funds accounts, plus their Emergency Fund. Nothing wrong with that either.
They just need to have enough in their Brokerage Account or in streams of Passive Income to cover their expenses until they can touch any of their Retirement funds. Darlene and myself hope to never touch our Retirement funds or at least not till I am in my 70’s.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. Listen to the whole Podcast for more about Passive Income and more.
. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com or Text me at 480-389-6224
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During my working years I always paid for Disability Insurance to make sure I was covered. Back in the days I had heard many stories of people who had freak accidents and were out of work for quite a while and needed the Disability Insurance to help maintain their living expenses for their family.
Insurance is a part of protecting yourself and family in case of an accident and can help with your Financial Freedom goals. Think if you were out of work for a long time without a paycheck because you fell off the roof while hanging Christmas Lights than you may have to use your up your savings for money to live on. That could possibly set you back a while from your projected Financial Freedom date or Retirement date.
This is an important lesson to cover with our boys. Even though they may not be in their career for years we want them to know the importance of protecting themselves financially. I know of one family that their lifestyle was really hurt when their main breadwinner had a Heart Attack and didn’t have any Disability Insurance. He was self-employed, I think.
As always, I am not giving you any Insurance or Financial Advice and you should seek advice from your Professional Insurance and other Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. Listen to the Podcast for the whole show.
If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com or Text me at 480-389-6224
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Sources and Resources from Podcast (Available in Show Notes)
1. Investopedia says about Disability Insurance https://www.investopedia.com/terms/d/disability-insurance.asp
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Who doesn’t like a party? We do in our house for sure. We work hard working towards our Financial Freedom goals and it is fun to celebrate when we achieve one of our goals along the way.
We have many goals we set each year and we celebrate in many different ways when we achieve one. We normally have our party involve the whole family. That used to be easier when the boys were younger. Now with Logan working four to five days a week and in college now we hardly see him. At least we still have four more years with Seth till he is in college.
I feel it is good to take time in your own ways to celebrate your achievements when you hit a goal, finish a Mills Way to Financial Freedom Action step to your monthly review meetings.
You may be saying why celebrate a monthly review meeting? It’s sound so much like work when you have a meeting scheduled but if you can celebrate a monthly review party it sounds like more fun.
We don’t always make progress each month due to something comes up. We can always find a lot of things that we did hit with our budget, goals, action steps and more each month to celebrate. We don’t have balloons or confetti but maybe we will in the future.
Here are some ways that you could celebrate your successes after each milestone. Even if you are single, I believe you should have a monthly celebration party and be grateful for what you achieved during the month and then make a plan on how to attack things this next month. Here are some ideas; Listen to the full Podcast for details.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com or Text me at 480-389-6224
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Some people ask the question if they would be better off investing in their own IRA rather than investing in their companies 401K plan? If your company doesn’t have a matching 401K plan then maybe that is for you. But what I see is that a lot of people lack discipline. What is nice about a company 401K is that it is coming out of their paychecks without any effort from them. They can just get used to seeing what their net check amount is to live on.
Others may not like what options they have available to put their money in their companies 401K plans. In the past some of the companies I worked with had limited options and some pushed company stock. Today it seems like companies are offering more options to pick from within the 401K plans.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
Reasons Why
With our boys we taught them to always invest in their companies matching 401k to at least the minimum to qualify for a 100% match. Here are some reasons we like them to do it; Listen to the Podcast for more details.
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When I worked for a company year’s back, they required every employee in the corporate office that was on the bonus plan needed to do continuing education to qualify for up to 25% of their Bonus Potential.
For me it was a no brainer but for some people in our office they felt it was a waste of their time and wouldn’t do it. I could not see giving up 25% of my bonus potential for not making myself better.
The company I worked for cared about having employees continue to keep learning new skills and improve. As an employee they paid for my learning and I could get more of a bonus by doing it.
We had to get with our manager and cover our quarterly plan for what three things we were going to do to improve ourselves. You could choose from reading a book, going to a seminar or taking a class. It wasn’t anything hard to do. Still a lot of employees wouldn’t do it. The company also paid for the classes and seminars. They had a huge library of books you could check out or you could go to the library to find one. What ever you choose to do your manager had to sign off on it and then when it was completed you just needed to do a quick recap on what you learned and how it could help you in your job.
Those were really good years I worked for them. I was already a habit of life long learning so I thought it was really cool. I still keep learning new stuff every day. We hope our boys will keep up their learning after they are done with their school years.
We encourage our boys to read at least 30 minutes a day and work on learning programing skills for at least 30 minutes a day. I plan on taking them to seminars and conferences with me in the future if they are not in school or at work.
There are so many reasons why someone should continue to keep learning their whole life and how it would help them towards their Financial Freedom goals. Some of the benefits that we talk with our boys about are; Covered in the Podcast Show
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com or Text me at 480-389-6224
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Back in 1990 I think I got our first will done and it was a pretty simple Will at the time. Now the older we get we have revised our Will and other documents for Estate Planning and final decisions more often. We have done new wills twice now in the last six years.
We had one done in Minnesota before we moved to Arizona to live. Then when we got down here, we found out from our new Lawyer that we should have one done in the state that we live in and of course that meant we needed a new one in Arizona. I am glad we did get a new Will and more done down here because I feel we laid out our wishes even better than before.
I know some people do it themselves to save money. I just believe in using a Lawyer for our situation. We teach our boys to hire a Lawyer also. As always though, I am not giving you any Legal or Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
I feel that we do all these legal forms for our loved ones and not ourselves. Things are hard enough when someone passes a way or is sick in the hospital. Why not try to reduce their pain or headaches with having your plans and wishes in place. I don’t want them to go through legal battles or to have a judge decide who gets what from our estate. Plus, I have heard that without these forms your estate can be hit hard with legal costs when you pass away. Listen to the whole Podcast for more info.
If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com or Text me at 480-389-6224
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Sources and Resources from Podcast (Available in Show Notes)
- Stats – Legal Zoom https://info.legalzoom.com/statistics-last-wills-testaments-3947.html
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Whether someone wants to get their debt paid off or if they want to really focus on investing for their Financial Freedom goals then this might help. We told the boys that if we would have tried to live off our old wages and just saved all raises and bonuses, we ever received we could have reached our Financial Freedom goals even soon.
You may be saying that isn’t realistic but anything is possible and I bet there has been people that have done it. Even if you took some of your raises for any expense that may have increased over the last year and still pocketed your bonus check you would be much better off.
As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only.
Sticking to your Budget
Back when I was working in my early years my pay outpaced my cost of living for my basic needs. I moved up fast over the years and got some really nice bumps. If I only was taught this rule. But instead I just let my lifestyle increase. I got nicer place to live, nicer furniture and fixtures. Bought nicer vehicles and went on more exciting vacations. Ughh. LOL
This is why we are teaching our boys this rule so maybe they don’t make the same mistakes we did when we were younger.
Bonus Checks
Then Bonus checks is a whole other story to talk about. Bonus checks are basically free money if you don’t count on them as part of your pay. For me the companies I worked for, bonus checks were not guaranteed and we were told not to plan on them.
With human nature we didn’t listen to them in our younger years and we spent the bonus checks on normal wants and not needs. We pretty much got used to them and factored them in our income and budget we had.
One Million Dollars - Listen to the whole Podcast for the rest of the show.
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Health Insurance is a major expense for some people. It is an expense we teach our boys to factor in their Financial Freedom plans. Medicare Insurance doesn’t start till age 65 so if we quit working before than we will need to buy our own policies.
With two boys living at home it is really beneficial for us to have one of us working for Health Insurance. Our boys can be on our Health Insurance until they turn age 26. So that is for 12 more years that we will have one of our boys on our Health Insurance coverage.
If Darlene worked till Seth was off our Health Insurance coverage than she would be 55 years old. At that time, I would already be on Medicare so she could retire if we had our Financial Freedom goals hit.
If we don’t have our Financial Freedom goals quite done yet she has the option at her job to go to an average of 20 hours or more and then she could stay on her employers Health Insurance program.
Her insurance at work cost her $15 per week for the family. At age 55 when I am on Medicare and the boys are off than it would drop to $10 per week unless the company changes rates. We hope they keep them the same that they have had for years.
If they kept the rates the same that they are currently at, she would pay $520 a year for Health Insurance. That includes Dental Insurance also. I have known people that pay as low as $150 per month for an Individual plan or $1,800 a year and some have paid up to $650 per month or $7,800 per year.
As you can see it is a huge benefit for Darlene to keep working until she is age 65 if she is healthy enough. Of course, if we do have our Financial Freedom goals hit and can afford her to retire at age 55, we would need to factor in the added costs to our projected retirement expenses.Listen to the full Podcast episode for more details.
Let me know your thoughts about this blog and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful. Also, please see my Disclaimer page.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com or Text me at 480-389-6224
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Most people probably would say they love and care for their family and friends. Myself I like to solve problems because I don’t like to see anyone suffer. Especially when it is my family or friends. It normally has felt good when I could help them out with loaning people money but then normally those feelings go away and new feelings of pain seem to set in.
Most people that I loaned money too paid me back but without a lot of hassle, lost trust and hurt relationships. Some people that loan money to others get feelings of being used, taken advantaged of and not wanting to help anyone else ever.
Few people never paid me back and I never heard from them again. But when they asked me for money, I was their best friend and we would be best friends for life they made it seem. Funny how that happens. LOL
Few people paid me back when they said they would. That is very few did that. Most people I had to hunt down, hassle them and one I even had to hire a Lawyer with to protect the money that was owed to me. Most people that did pay me back took anywhere from One to fifteen years. Yes, one took fifteen years to pay me back.
It is tough when people don’t even try to make small payments to you monthly. Instead they seem to never bring it up what they owe you and normally don’t pay any money towards the loan unless you bug them.
I even loaned someone my house to live in and I moved in with a neighbor. The family that moved in my house was supposed to be a short time situation and were to pay me for utilities and a small rent amount. They paid the first month and then after that nothing. I had to have friends help me evict them. I never received any money from them for the past utilities and rent from the house. I never have heard from them again. Plus, they broke some stuff while living there.
Sometimes when we loan money to people, we hurt them more than we help them. We don’t let them solve their own problems and think outside the box. Plus, they probably have deeper issues like spending more than they make. If you solve their money problems, they will probably be right back in money problems down the road again.
I asked my Dad twice for money and he said “Sorry Son but you will figure it out, do you want to talk to your mom?” He was so right and both times I did come up with solutions once I let my mind calm down and it made me stronger.
Some more reasons to think about before you loan money to any family or friends; Covered in Podcast
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Once debt free it is important to stay debt free. This is one of the lessons we teach our boys. It is easy to get back into debt if you let yourself once you are debt free. I know this from personal experience. I let myself do this several times until I got tired of the rollercoaster of debt and jumped off.
It took me remembering the pain that I felt when I was in debt and the times that I wondered how I was going to make the minimal payments that were due for the month.
People I worked with in the past had different reasons why they wanted to stay debt free. Some didn’t like the feeling of not wanting to answer their front door because it could be a debt collector, some people were afraid to answer the phone and others were afraid to check the mail because it may have more letters from Debt Collection companies. Finally, the pain of those experiences was enough for them to make a change and take action to not only get debt free but to stay debt free.
If you are married or in a committed relationship then this can be twice as hard than for a single person of course. So, if you are married or in a relationship it is so important to have this be one of your monthly topics at your monthly financial review meeting or celebration parties. What ever you want to call it.
Once you are debt free for life then you can start focusing on your Financial Freedom goals and how you are going to get there. For our situation we wanted to be debt free except for the house before we started saving for our retirement.
We know the value of investing money early but with debt we are investing into getting debt free for life so we can then really be focused on our Financial Freedom goals.
Some times people want to be totally debt free including their house before investing for retirement. There is no right or wrong way that I feel as long as you are reaching your retirement goals. Reminder that it is a math choice and consequences. Bottom line you need to be happy with your choices and can live with the consequences.
Listen to the whole Podcast for all the info.
Let me know your thoughts about this blog and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful. Also, please see my Disclaimer page.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Visit my Podcast at www.Live4.Club on Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, I-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.comor Text me at 480-389-6224
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Everyone has different situations that can affect when they choose to start taking Social Security payments. Some of my friends started at age 62 and some waited till age 70. For your situation it would be good to visit with your Financial Planner and your local Social Security Office.
Darlene and myself have a plan to wait till age 70 for our situation. We want to max out our monthly Social Security benefit that we possibly could get. Of course, we still have sixteen years to wait until that time but we hope our other Investments maintain us so we don’t need to touch Social Security.
Social Security website said the following – “If you were born between 1943 and 1954 your full retirement age is 66. If you start receiving benefits at age 66 you get 100 percent of your monthly benefit. If you delay receiving retirement benefits until after your full retirement age, your monthly benefit continues to increase.
The chart below explains how delayed retirement affects your benefit. The increase is based on your date of birth and the number of months you delay the start of your retirement benefits. If you start receiving retirement benefits at age:
- 67, you'll get 108 percent of the monthly benefit because you delayed getting benefits for 12 months.
- 70, you'll get 132 percent of the monthly benefit because you delayed getting benefits for 48 months.
When you reach age 70, your monthly benefit stops increasing even if you continue to delay taking benefits.” See the link in the below show notes.
We print off our Social Security statement each year to check and make sure they have our correct past years income. Plus, it is fun to see what the projected benefit amount is at different ages. Hopefully our elected officials don’t take away from Social Security and help protect it for future generations. Remember I am not giving you any financial or legal advice, this is just for entertainment purposes and see my Disclaimer Page.
Here are some reasons that people I have talked with decided to start taking Social Security payments early; More covered in the Podcast
Let me know your thoughts about this blog and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful. Also, please see my Disclaimer page.
If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com or Text me at 480-389-6224
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Sources and Resources from Podcast (Available in Show Notes)
-
Social Security Stats from https://www.ssa.gov/planners/retire/1943-delay.html
-
Social Security Break-even Points https://www.cnbc.com/2018/08/13/those-social-security-break-even-calculations-can-be-misleading.html
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We just showed the boys again today how we were over charged at the store. It was only $4.20 on that trip but like we told them that $4.20 if it happened each week it would add up to $218.40 in one year.
We had a time with the boys that four out of six stops in a row we were over charged. We were wanted to be undercharged to show them how to be ethical and let the store know you owe them money. But that hasn’t happened yet when the boys have been shopping with them.
We stressed to them to check all receipts on anything they ever buy in their lifetime. This goes for all repairs that they ever pay for. We told them to look at how much they were over charged and then figure how many hours they would have to work to pay for that amount.
You may not think it happens often but it does. I know the Customer Service department at some of our stores we shop at a lot know us well. Darlene and myself grew up basically in retail and management jobs so we probably watch pricing better than most people do.
To be Financially Free I feel we need to not only to save and invest our money but we also need to not lose money when we don’t need to. I know all Investments can go up or down and we could lose on them but with what we purchase we can control what we are willing to spend.
Same goes for asking for deals. We taught the boys that and then told them that even when people said they would give us a deal to make sure that you get the deal. We have had many times that we were told that we would be getting a deal and they forgot to give us the discount. More covered on the Podcast.
Visit my Podcast at www.Live4.Clubon Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, i-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.comor Text me at 480-389-6224
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Most people would say they love pets. I know growing up I had Rabbits, Fish and Dogs. As an adult I had dogs also until I was in my mid-thirties. My first dog was a Black Lab called “Flash” and he was a fun dog but I had to leave him with my folks when I moved out of the house to an apartment. My next dog was a female Golden lab called “Mariah”, she was a great dog also but tore up the yard. Our boys would love to have a dog I know but it just doesn’t fit in our current situation.
For us the boys are busy with work and school for one thing so I would be taking care of the dog. Plus, our backyard isn’t ideal for a dog since it is a Golf Putting and practice area. My last dog would have torn it apart. Another reason a dog isn’t for us now is we travel a lot so we would have to find a place for it to stay. Also, some of our relatives are allergic to pets so they wouldn’t be comfortable staying with us. The last reason is that a dog or a pet doesn’t fit into our current budget and plans for financial freedom. But I know some of you may be saying “they are so cute”, yes, they are but there are too many reasons why not to have a pet in our situation.
I have worked with families in the past that had anywhere from one to four pets in their house which they couldn’t afford. They weren’t saving for retirement; they weren’t saving for their kid’s college and they were all in major debt problems. A pet to most people is a “want” not a “need” like we covered before in rule 38 of the Mills Way to Financial Freedom Rules.
For those of you that track your expenses you will know that they can get very expensive. One of my dogs averaged us around $1,800 a year or $150 per month. I know that number can change depending on the health of the pet and how much you pamper them. I am sure there are some people that drop a ton of money a year on their pets.
Some people have Dogs, Cats or even Horses as pets. The cost per year is going to be a lot different from a Dog or Cat to a Horse. So, I will give some examples in the podcast.
Let me know your thoughts about this blog and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful. Also, please see my Disclaimer page.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Visit my Podcast at www.Live4.Clubon Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, i-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.comor text me at 480-389-6224
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Have you ever co-signed on a loan for someone before? If so, how did it work out? I have had many friends that co-signed loans from student loans to personal loans for their kids, relatives or friends and some of those loans they ended up having to pay them off. I co-signed on a couple of loans and they both worked out but at times I lost sleep worrying about getting stuck paying for them. I tell myself I won’t put our family in that position again.
We have told the boys many times that we won’t co-sign on any student loans or personal loans for them. We love them all but we don’t want to be on the hook for the loans. Also, we want them to learn to only count on themselves and to save up the money before buying something so they don’t need to get any loans.
You may think I am crazy but it is possible. We all have many choices in life and we can put off things till we can afford them. I know our society pushes us to borrow money and enjoy things today. That is why so many people are in debt in the United States.
We walked in Kohls department store on Thanksgiving night when Logan wanted to buy a Nintendo Switch and right in the front door, we were stopped by a Kohls employee who had a clip board. She asked if we had a Kohls Credit Card. Of course, she had a sales pitch on the values of having a Kohls Credit Card but not the negative things like high interest rates and being in debt. In the last month I have been asked at many places like Home Depot, Target, Wal-Mart and more. Think of all the places you shop that ask you to open up a credit card.
We told the boys if they ever want to co-sign on a loan, they need to be prepared to take over the loan if the person decides not to pay on the loan anymore.
Let me know your thoughts about this blog and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful. Also, please see my Disclaimer page.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Visit my Podcast at www.Live4.Clubon Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, i-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com
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Thanks, and Have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
Sources and Resources from Podcast (Available in Show Notes)
- Bankrate.com website at https://www.bankrate.com/loans/personal-loans/reasons-not-to-co-sign-loan/
- Creditcards.com stats - https://www.creditcards.com/credit-card-news/co-signing-survey.php
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Prime reason why you should do Action Step 3 of the Mills Way to Financial Freedom 10 Action Steps just happened to us recently. I got a call from Darlene and she said that when she was leaving for work at 1am that the Garage Door wouldn’t close all the way down. It would go three quarters of the way down and stop and then go back up or just stay there at times.
I did my normal you tube search of how to fix our household issues. I tried what I learned on the videos like making sure the sensor lights were matched up, the tracks were straight, wheels were oiled. But nothing worked.
So, I called the Garage Door repair company and they said that it may be a Mother Board to the Garage Door Opener. So, they lined up a repair person to come to our house the next day. When he got there and walked in our garage, he knew right away what the problem was (See Photo Above of the Broken Spring). He pointed up to the Springs above the Garage Door and showed me where they broke.
Bummer I said. It’s Christmas time and now we had to fix the garage door. The bill was $400. This is a prime reason why to have $1,000 Emergency Starter Fund in Action Step 3. Since we have an Emergency Fund, we were able to pay for the Garage Door Repair easily. Even though it is never fun for me to spend money on repairs. But it comes with home or car ownership. On the Podcast we cover a lot of ideas on how to raise the money.
Positive Quotes
“Take Action! An inch of movement will bring you closer to your goals than a mile of intention.” By Dr. Steve Maraboli
“The Future Depends on What You Do Today.” Gandhi
Let me know your thoughts about this blog and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful. Also, please see my Disclaimer page.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Visit my Podcast at www.Live4.Clubon Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, i-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Thanks, and Have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
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We have the Mills Way to Financial Freedom rules that we teach our boys. Today let’s talk about the main Action Steps that we teach our boys so they can work towards reaching Financial Freedom.
They could have your own action steps on their journey to Financial Freedom or if they choose to go in different order than that is their choice. They could also go at different speeds and that is their choice. They just have to be able to live with the possible consequences good or bad. A lot I would say would start with what their goals are.
Action Steps
Let’s dive in on what the Mills Way to Financial Freedom Action Steps are that we taught our boys; (On Podcast Listen to)
Our Mills Way to Financial Freedom rules help tie into the above 10 Action Steps to Financial Freedom. We have to remind them that if they are in debt that they won’t get out of debt overnight. There is no magic wand to help them with it. Normally people get in debt overtime and enjoyed spending the money so now they need to pay for the fun they had.
It is such a better feeling being debt free then it is when you are in debt. Or even worse drowning in debt and trying to figure out what bills to pay next month. I have been they’re and that is what drives me to help our kids and others not to be in that debt black hole. If you know anyone that needs help to reach Financial Freedom please pass on my contact information to them.
Positive Quotes
Here are two positive quotes I like; “There is no way to happiness; happiness is the Path.” By Buddha
“Change Your Thoughts - Change Your Life” by Wayne W. Dyer
Let me know your thoughts about this blog and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful. Also, please see my Disclaimer page.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Visit my Podcast at www.Live4.Clubon Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, i-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Thanks, and Have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
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It would be really hard or impossible to know everything about everything even though my teenagers think they do. LOL Building a Financial team is one of the Mills Family Financial Freedom rules we cover with our kids.
Since it is hard to be an expert at everything that is why I feel it is so important to build your own Financial Team. A team that can help protect you financially and legally so can retire with Financial Freedom.
Of course, depending on how much your Financial Nest Egg is depending on how much you will need to have your team around. I would guess a billionaire would almost have some of the below team members be working full time for them.
Darlene and myself aren’t at Financial Freedom yet but we are on our last step towards achieving it. So, for now we don’t need our team very often but we have a team that we know we can count on them. We trust them and know that we can call them and they can help us out.
Our Financial Team may not be the same as you need or want. This is just what we have for our Financial Freedom goals. Here is what our team looks like: See MillsWay.com for the full list if you don't listen to it in full.
Here are two positive quotes I like; “There is no way to happiness; happiness is the Path.” By Buddha
“Change Your Thoughts - Change Your Life” by Wayne W. Dyer
Let me know your thoughts about this blog and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful. Also, please see my Disclaimer page.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Visit my Podcast at www.Live4.Clubon Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, i-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Thanks, and Have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
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Car shopping isn’t one of the most enjoyable things for a lot of people. A friend of mine once said he would rather go to the Dentist then go car shopping. I am not a fan of Dentist either and probably enjoy some of the hunt and numbers of car shopping.
This is one of the rules to Financial Freedom that we teach our kids and we have taken them with us to experience the whole car shopping experience. Including the games and negotiation that is played.
Before we start talking about how we go about car shopping lets think about some things from the Millionaire Next Door book. Here are some key things from the book that studied Millionaires (It is on my must read book list);
- You aren’t what you drive. They believe that financial independence is more important than displaying high social status.
- 81% of Millionaires purchase their cars and 19 leased in their study.
- Only 23.5% bought Current year cars. The rest were all older.
- Average car buyer in America has a net worth of 2% that of a Millionaire but spends 72% of the most that a typical millionaire ever spend on car,
Then another good book to read is Spend Smart book. Here are a few things to think about before we dive in to the rest that we teach our kids. Bill wrote:
- If your goal is to keep automobile costs down, buying is much better than leasing a car. The three largest costs in automobile ownership are depreciation, insurance and finance charges. Leasing tends to maximize all of these costs.
- Don’t lease a car. If you can’t afford the payment on the car you want downsize what you want.
In Suze Orman’s book she said that taking out leases is a costly financial mistake. She also said Certified Pre-owned cars with warranty is a good option.
We start with first knowing what our budget is to spend on a car that we are looking at getting. Everyone can have their own opinions on how to car shop or feel they are an expert but the below points are what we taught our boys.
Visit my Podcast at www.Live4.Clubon Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, i-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Thanks, and Have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
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Sources and Resources from Podcast (Available in Show Notes)
- Spend Smart Book by Bill Keenan
- The Millionaire Next Door Book by Thomas J Stanley, Ph.D. and William D. Danko, Ph.D.
- The Do’s and Don’t of Money Book by Suze Orman
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How does the word “No” have anything to do with reaching your Financial Freedom Goals you may be asking me? It is a huge factor, I think. You need to be able to say “No” at times to be able to stay on your budget and disciplined to reach your goals.
In our house hold we have to say “No” quite often to our boys. If they had their way, we would be going to the movies every night and out to eat every night. Which I would agree with them that it would be fun but then the next day I would be disappointed in myself that we didn’t stick by our budget.
Each week I get invited to golf at least three times at about an average cost of $50. The prices are higher in the winter months because of all the snow birds. My budget for golf is about $50 a week. In the months from May to October I can play about three times a week for $50. But in the winter months I can only play once a week. It isn’t any fun turning down friends who invite me to play golf but in our current budget that is what our budget is. Maybe once the boys are out of the house and my business is making more money.
So, in the Winter months I try to mix it up and golf each week with a different group of friends to try to stay in touch until the cheap rates come back. I also will invite them over at times to watch Football on TV to help keep in touch.
Another time we have to say “No” at times is when friends want to go out with us for the night to dinner or drinks. Our budget on going out with friends is currently only $100 a month. So, depending on what friends want to do that is normally one night out for the month with another couple.
We try to mix it up and rotate different sets of friends to get with each month so we can try to keep in contact with in person other than just social media.
Sometimes we will also ask friends over to our house to play some cards or do some putting in the backyard. We can have fun with friends at our house for a low cost for sure. About $25 in snacks can go a ways.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Visit my Podcast at www.Live4.Clubon Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, i-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com
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Thanks, and Have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs.
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Personal Capital - Manage your money now. Smart way to track and manage your financial life. Award-winning financial tools and more.
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Setting Financial Goals is the first rule in the Mills Way to Financial Freedom rules that we covered with the boys. The importance of goals is to help us make our dreams happen. You need to write them down to be able to make them happen. Difference between a Dream, Idea, Vision and a Goal is nothing more than writing it down.
After we write our goals down on paper, we don’t hide it and forget it. We post it, shout about them and we review them monthly. “We” is a must if you are married, it is hard to hit Financial Freedom goals if both of you don’t agree on them and the action plan to attain them.
When setting the goals to your monthly review meetings schedule it with your spouse or partner if you aren’t single. If you are single maybe ask your best friend to come to your monthly goal review meetings. Having it schedule a month in advance helps make sure the meetings happen.
Some people hear the word “Meetings” and they run. Some people feel meetings are a waste of time at their jobs when they could be getting their work done and getting out of work earlier. Financial Freedom Goal meetings aren’t a waste of time. They are important tool in your achieving your Financial Freedom that you want.
Why not make the goal review meeting fun? Maybe get some snacky food or order pizza to be delivered. Make it a party and have fun celebrating what progress you made towards your goals. When you are having fun, you are able to think outside the box easier to be able to come up with ideas on how to achieve more the next month.
These goal meetings we will be covering our budgets and actuals from the last month. We like to schedule our goal review meeting on the 2ndof each month so we have last months numbers to review. We will talk about budgets and tracking numbers in other posts.
We have personal goals and financial goals that were based off what our family priorities are. So, you would need to decide what your own priorities are. Goals and Priorities, you both need to agree on them if you aren’t in a committed relationship. Here are some example steps to do for your goal setting;
- List your Top 5 Priorities.
- Set Long Term goals for each Priority. Make them attainable.
- Set Short Term goals for each priority. Make them attainable.
- Set Action Steps for each long-term goal and short-term goals.
- List 3 habits you want to do in the mornings and 3 habits you want to do at night to obtain your goals.
- List any things that you are doing that is distracting you from your goals and make adjustments. For instance, let’s say you are watching TV every night from 6pm to 10pm. Why not adjust it and watch from 6pm to 8pm if you wanted to and spend the other two hours working on your goals. That is just an example. I am not a fan of watching much TV.
- Set daily goals and Weekly goals and then list the progress down you did each day. Each night you could reflect on it before going to bed and making the plan for tomorrow.
More info at MillsWay.com under Blog tab.
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Christmas is around the corner and people are starting to think about what they want to give at Christmas time. At our house we have our Christmas Tree up and our Outside decorations up also. We have been getting Christmas Ads in the mail from companies like Best Buy and Kohls. We have been getting plenty of emails sent to us about Black Friday sales coming up or pre black Friday sales.
There is so much temptation this time of year to blow our Christmas budget out of the water. We want to buy for everyone and make everyone’s dreams come true, especially the boys. But thank goodness we both are on the same page with our Christmas budget and sticking by it.
If you are single then you don’t have to worry about a spouse at Christmas time and you can go spend what ever you want on who ever you want with in your budget hopefully.
But if you are married it can get tricky if you want to buy them a special gift for Christmas but you don’t want them to know how much you spent on it or what it is. That is a challenge when you are married and both on a Christmas budget.
Remember that you both are grownups and should be able to stick to budgeting goals you have both decided on. If you haven’t yet it would be a good time to sit down and decide on how much you both want to spend for Christmas this year and then break it out for each person you want to spend it on so things don’t get out of line.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Let me know your thoughts or ideas.
Visit my Podcast at www.Live4.Clubon Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, i-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com
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Thanks, and Have a Merry Christmas. Please Support or Follow me at https://www.patreon.com/millsway Bruce of MillsWay.com
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Sources and Resources from Podcast (Available in Show Notes)
Average Christmas Spending Stat - https://www.investopedia.com/financial-edge/1112/average-cost-of-an-american-christmas.aspx
https://nrf.com/media-center/press-releases/consumers-will-spend-41-percent-more-last-year-during-winter-holidays
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Today is a good day since I was able to do my first pod cast with Seth who is our Son. He is 13 years old and a future star in any thing he goes into.
Asking for deals or for a cash discount isn’t always very easy for a lot of people. My parents never talked about this subject when I was a kid and I don’t remember ever hearing them ask for a deal or a discount. Now I think about all the money they could have saved during their life time.
Seth and Logan, I hope they will take the Mills Way to Financial Freedom rules that we teach them and use them in the future. Then hopefully they will continue on and teach their kids the rules also.
Here is two positive quotes I like; “There is no way to happiness; happiness is the Path.” By Buddha
“Change Your Thoughts - Change Your Life” by Wayne W. Dyer
Let me know your thoughts about this blog and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful. Also, please see my Disclaimer page.
Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.
Let me know your thoughts or ideas.
Visit my Podcast at www.Live4.Clubon Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, i-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Thanks, and Have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs. Visit my website today to see my recommended Must Read Books and other info.
Millsway.com
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Divorce Sucks.. Sucks.. Sucks…. Divorce is not a favorite topic for me, it is an ugly word and a word we never talked about in my parents house when I was a kid. I never even knew anyone personally before I got married that went through a divorce. Now I know many people with divorces or as we say on the golf course “D’s” and it keeps growing by the day.
I will go on record I am against Divorce unless it is a safety issue for them or their kids. Most Divorces seem to happen over one spouse cheating or money issues.
WebMD said 2 out of 5 of first marriages will end in divorce after one spouse cheats. WF Lawyers said that almost 50% of marriages will end in divorce or separation when I was searching about money issues. From my time helping people with debt problems it sure seems like over 80% of those divorced said Money was the top reason for the divorce or one of the top reasons. Some references are listed below in the show notes if you like stats.
I think people who may be on the fence about getting a Divorce may want to go see a counselor or pastor at church. Another good option would be seeing a marriage counselor or buying a set of Gary Smalley Relationship tapes. That is if your spouse will attend. My past ex went one time and then said it was just me that needed help. We had so much debt that even after selling our house we still had debt to divide up.
Some more things to think about is from an article in Time Magazine. It had some stats like:
- Average first marriage 8 years
- Average second marriage is 6 years. I have heard that divorce rate is higher on 2nd marriages and even higher on 3rd marriages.
- Overall showed kids are more likely to be harmed by their parents getting divorced
- Average total household wealth of those ages 51 to 61 for married couples as $132,200. Those Divorced was $33,700 and Widowed was $42,300. It is cheaper to live in one household than two for sure.
Judith Wallersteom on a book she wrote a book called “The Unexpected Legacy of Divorce” Said “Children from broken families tend to marry later, yet divorce more often than those from intact homes. Listen for more info.
If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com
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Thanks, and Have a great night. Please Support or Follow me at https://www.patreon.com/millsway Bruce of MillsWay.com
Sources and Resources from Podcast (Available in Show Notes)
1.Timeline of a Love Affair - WebMD https://www.webmd.com › sex-relationships › features › love-timeline
2.Divorce Statistics and Facts | What Affects Divorce Rates in the U.S.? https://www.wf-lawyers.com › divorce-statistics-and-facts
- Time Magazine September 25, 2000
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Insurance isn’t maybe the most exciting subject but one that Darlene and myself feel is important to cover with our Teenage Boys. We want them to know that they need to protect their assets as their assets grow. Especially since today with all the Lawsuits that are filed. It is hard to not watch TV in our house and not have many different Personal Injury Lawyer Commercials come up on TV. Insurance costs a really big expense most people have and the costs can vary so much from company to company.
In our situation we are one of the lucky families that have no debt so we have more that we want to protect from losing.
We have higher amounts of Protection to help us with that. But since we have our Emergency fund complete, we are able to have higher deductibles so we can have lower cost for our Insurance.
We have Term Life Insurance on Darlene to Protect her income from her day job till she fully retires and the boys are out of the house. We are looking at Umbrella Policy’s currently for more Coverage now that Logan is driving
In this podcast I covered some ways we lowered our Auto, Home and Life Insurance cost lately and our plan for the future.
Let me know your thoughts or ideas. If you are looking for a Financial Coach drop me a note.
Visit my Podcast at www.Live4.Clubon Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, i-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com
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Thanks, and Have a great night. Please Support or Follow me at https://www.patreon.com/millsway Bruce of MillsWay.com
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We feel it’s so important for Logan and Seth to start their lives after college with no Student Loans and No Car loans. No Debt at all. We are helping them out by giving them each a used car and they can live at home rent free until they are done with school. But they will need to pay for their college tuition, books and misc. charges. Having NO Student Loans is one of our Mills Way to Financial Freedom rules that we stress to the boys. We want them to grow into successful Adults and give us grandkids to play with someday. Way down the road. LOL
Seven Top things we are trying to do for Logan and Seth so they don’t have any Student Loans they owe on after they are done with college. They are explained in this Podcast with some interesting Stats.
Let me know your thoughts or ideas.
Visit my Podcast at www.Live4.Clubon Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, i-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com
Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway
Thanks, and Have a great night. Please Support or Follow me at https://www.patreon.com/millsway Bruce of MillsWay.com
Sources and Resources from Podcast (Available in Show Notes)
Student Scholorships average they receive -
https://withfrank.org › for-parents › scholarships-and-grants-for-parents › ho...
Student Loan Debt - https://www.forbes.com/sites/zackfriedman/2019/02/25/student-loan-debt-statistics-2019/#63ffb661133f
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This was our second Disney Cruise to Mexico. We left out of San Diego, CA. We were gone 3 days and 2 nights so it was a quick trip. But the boys loved it and loved the other cruise also. Now they want us to book a 7 day cruise for next summer. They ran into some old friends from their last cruise and made tons of new friends.
Visit my Podcast at www.Live4.Clubon Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, i-tunes, Apple Podcast and more. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com
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Thanks, and Have a great night. Please Support or Follow me at https://www.patreon.com/millsway Bruce of MillsWay.com
Show Notes and References
- Info about Disney Cruises at https://disneycruise.disney.go.com/onboard-activities/halloween-on-the-high-seas/
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Sales is Hard. Most days you have to be your own Cheerleader. You may say that you aren't in sales but I would disagree. We all are in sales everyday. Also we will talk about starting a Home Business and the importance of staying Debt Free. Work within your plan and budget. Visit my Podcast at www.Live4.Clubon Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, i-tunes and more. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Thanks, and Have a great night. Please Support or Follow me at https://www.patreon.com/millsway Bruce of MillsWay.com Resources 1. https://sbecouncil.org/about-us/facts-and-data/ for stats about Small Business
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Live for Happiness is way better than being stressed out. I give in the Podcast some ways I help to reduce stress and be Happier in my life. Disclaimer I am not giving you and Medical advice and you should see a Doctor for that. Liv4 Podcast is available on Anchor.fm, Spotify, Google Podcasts, Pocket Casts, Breaker Audio and more. Leave any comments you have on our show or email me. Please support or donate to our Podcast at anchor.com/Live4 or patreon.com/millsway or paypal.me/millsway Also please share us with your friends if you like our Podcasts. if you want to be a guest please e-mail me at bruce@millsway.com Thanks and Have a great day! Stay Happy! Bruce Mills Show Notes and Resources 1. Stats from gostress.com/stress-facts 2. Mills Way to RICHER LIVING book by Bruce Mills 3. Your Best Life Begins Each Morning book by Joel Osteen
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Living in Balance is hard. In this show I hope to help you live a life in more balance. It may be impossible to ever be in perfect balance but I hope to help you improve.
Visit my Podcast at www.Live4.Clubon Anchor.fm, Spotify, Pocket Casts, Breaker Audio, Google Podcasts, Radio Public, i-tunes and more. If you would like to be a guest on my Podcast drop me an email at bruce@millsway.com
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Show Recources
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https://smallbiztrends.com/2018/02/work-life-balance-statistics.html for some good stats to check out.
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"The 7 Habits of Highly Effective People" by Stephen R. Covey. A great book to read and shows how to use a schedule to achieve balance in your life.
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Darlene asked me if we should sell our Stocks with the market so high. What are your plans? We don't have a Crystal Ball in our house to know what to do. Our long term plan has been to hold on to our stocks and ride out the roller coaster of the stock market. There is so many different opinions out there. Just watch the news or read your email blogs from stock investors and you will see what I am saying. If you would like to be a guest with me in a future show please let me know. Please support and share my Podcast to help sustain our shows. Thanks and Have a great day.
Bruce Mills
Email is bruce@millsway.com
Websites are Millsway.com and www.Live4.Club
Some more resources from the show if you want so good reading.
https://www.aaii.com/ and June 2019 aaii Journal No.6 pg 7-11
Kiplingers Magazine Nov 2019 pg 22-26
Money.com Magazine March 2019 pg 21-22
Jon Johnson from Investment House Daily email 10/13/19
https://www.cnbc.com/2019/10/03/markets-rebound-in-major-comeback----five-experts-weigh-in.html
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