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black sheep finance, get out of debt, how to budget, pay off student loans fast

5 Books That Helped Grow Our Net Worth by 100k in 3 years

Disclosure: Some of the links below are affiliate links, meaning, at no additional cost to you, I’ll earn a commission if you click through and make a purchase. Reading is essential to your wealth-building journey! As a matter of fact, research shows that the average millionaire reads 2-4 books per month. When I make guest Read more about 5 Books That Helped Grow Our Net Worth by 100k in 3 years[…]

black sheep finance

6 Reasons Folks Work With A Financial Coach

Personal finance is such a taboo subject.  I mean, folks really hate talking about money for some reason.

A recent study found that 74% of people will not discuss money with a financial professional.

We can point the finger at shame, insecurity, or even fear as some of the top reasons why, but the truth is, not talking about money can be detrimental to your financial health.

So what about the other 26%? What are some of the top reasons they are willing to gain additional insight when it comes to money? […]

Houston Financial Coach

The Story Behind Paying Off $61k In Only 16 Months

Emergencies happen. be prepared.

Despite what you may believe, I have not always been Michael of Black Sheep Finance.

Truthfully speaking, there was a 3 year stretch where I made almost every financial mistake you imaginable.

I don’t think I’ll ever forget the first time I actually used a credit card.

It was February 2011 in Appleton, Wisconsin.

[…]

“Retirement Concerns” #MoneyMondays

Question: “When will I be able to retire?”

Answer: That all depends on you! When it comes to the question of retirement, the most important thing to remember is that retirement is less about your age and more about your financial situation.

No one should want to wait around for social security or, worse, become a burden to their children. Your retirement years should be more than that.

[…]

Financial Coaching

How I Blew $1,000,000 In My Early 20’s

Most people don’t understand the concept of opportunity cost. In basic terms, opportunity cost can be summed up by saying,”If I’m doing X, then I’m not doing Y.”

2 months before my 24th birthday, I landed a sales job with a globally known company. I got a nice bump in pay and a few other perks I wasn’t used to at the time. […]