I make people look at their finances; I make them acknowledge their debt. So many people will bury their heads in the sand and think their debt will magically disappear. It won’t. Just like anything else, when you can really look at it, and acknowledge it, that’s when you can start to work on it....Read More

After working for me for ten years, Joe (not his real name) decided to quit and start a competing plumbing business. On his last day, I drove him home. We had his exit interview in my truck. I asked, “Do you think there is any more I could have done for you as an employer...Read More

I talk a lot about acknowledging the past and accepting it. What do I mean when I say that? I'm talking about taking a close hard look at your total debt.Read More

Knowing the difference between wants and needs when you're about to spend money gives you one thing: the freedom to choose. Freedom of choice means you can be flexible. And flexibility gives us one thing that helps us more than anything: the ability to adapt.Read More