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Topics include sudden wealth, financial retirement planning, personal and business finance.

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What's The Big Deal With Taxes?

What’s The Big Deal With Taxes?

A math teacher didn’t believe this calculation You’re learning a lot about taxes, but maybe you’re not convinced taxes are a big deal. I feel ya. Maybe you’re right. Maybe taxes aren’t such a big deal. Let’s run through a quick little example. Imagine you had an investment that doubled in value every single year.…

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What Are Taxes?

What Are Taxes?

If you’ve ever thought to yourself, “The hardest thing in the world to understand is income taxes,” you may be a genius! You see, that little quote was said by the guy who brought us the theory of relativity, the one and only Albert Einstein. Yup, one of the smartest minds the human race has…

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How Much Can You Take From Your Investments And Not Run Out Of Money?

How Much Can You Take From Your Investments And Not Run Out Of Money?

Don’t Kill The Chicken So I’m 15 minutes into an explanation of what I think is a pretty important and complicated subject when my client stops me mid-sentence. She says, “So basically, don’t kill the chicken.” I pause. I pause some more. She looks at me like I’m an idiot, and I look at her…

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Keeping Up With The Capuchins

Keeping Up With The Capuchins

This is the story about two naughty monkeys. Your money is threatened by a Trojan horse that comes in the form of a wide grin, a wink, and maybe a hug. This threat is like a computer virus. It runs without your awareness, takes hold of your operating system, and undermines your intentions. This threat…

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Shopaholic Syndrome: When You Just Can't Stop Buying Stuff

Shopaholic Syndrome: When You Just Can’t Stop Buying Stuff

Here’s what I said about shopping addiction to Dr. Drew. Alcohol, crack, and heroin are known to be highly addictive, but can something as innocuous as shopping be addictive? Dr. Drew Pinksy is an addiction specialist. You may know him as just Dr. Drew. I’ve worked with him on a few TV shows. Here’s what…

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Help! I Want To Get Rid Of This Debt!

Help! I Want To Get Rid Of This Debt!

Firstly, you rock. Listen, I get it. It’s easy to get into debt. Having debt reflects past decisions. Today is a new day. And today, you want to pay it off. Congratulations for coming to that decision! When you find yourself in a hole, the first step is to stop digging. That means chopping up…

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Good Debt Versus Bad Debt

Good Debt vs. Bad Debt

Okay, so debt generally stinks. I think we’ve established that in the last lesson. But sometimes you’ll hear people talk about good debt versus bad debt. Is there really a difference, or is it just a scam? What’s bad debt? Where do I start? Actually, let’s just assume that all debt is bad debt, unless…

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The Truth About Debt

The Truth About Debt

Let’s start with the basics. Debt is when you owe someone for money you have borrowed. Debt is really digging yourself a hole. The more debt you have, the bigger your hole. Instead of paying yourself first and saving for your own goals, you have to pay back the debt you owe. If the goal…

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A Trick That Can Save You $400,000

A Trick That Can Save You $400,000

We have two competing issues. On the one hand, talking about credit reports is mind-numbingly boring. On the other hand, talking about credit reports can save you several hundred thousand dollars. I mean, don’t get me wrong. I’m fond of money, but credit reports are sleep-inducing. It’s your call. Skip ahead to the next lesson,…

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How Your Credit Score Is Calculated

How Your Credit Score Is Calculated

Houston, we have a problem. The title for this lesson is, “How Your Credit Score Is Calculated,” but here’s what we don’t know . . . how your score is calculated. Yeah, that’s kind of a big deal. If you are going to be graded and so much lies on getting a good grade, wouldn’t…

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