Join Waitlist We will inform you when this product arrives. Just leave your valid email address below.
Email Quantity We won't share your address with anybody else.

The Key To Paying $61,000 Worth of Debt In 16 Months

If you live in South Texas like me, you know there is very little chance of snow ever happening. As a matter of fact, I’ve been in Houston since 2004, and I’ve only seen it snow twice.

To make matters worse, snow in Houston doesn’t stick to the ground for more than a few hours.

For this reason, you’ll see kids run outside the instant they catch a glimpse of snow. Not too far behind will be their parents with cameras to snap memories of this phenomenon.  […]

Financial Coach

Tired Of Being Broke? Do These 4 Things!

One afternoon, two young boys stood in front of their bathroom scale discussing the object at hand.

“How does this thing work?” asked one of the boys.

The other boy answered, “I’m not sure exactly, but I do know that when you stand on it, it either makes you mad or it makes you cry.”

[…]

#MoneyMondays “Why Debt Consolidation Isn’t Worth It”

Question: What are your thoughts on debt consolidation?

Answer: This is gonna be a long one! For those that don’t know, debt consolidation is when you take all of your debts and roll them into one lump sum. Folks usually go this route to get a lower payment or interest rate.

In my opinion, the concept is worthless and should be avoided.

[…]

Financial Coaching

6 Simple Habits Keeping You Broke

It’s no secret that most Americans are living paycheck to paycheck. What’s shocking is how little the average American knows about personal finance. As a result, Financial Coach Michael Lacy has shared 6 simple mistakes that keep you broke.  […]

Financial Coaching

#MoneyMondays “The Guide To Using Your Emergency Fund”

Question: When is It An Appropriate Time to Use My Emergency Fund?

Answer: To fully grasp the answer to this question, you must understand the difference between a sinking fund and your emergency fund. If you don’t, you’ll always tap into your emergency fund for non-emergencies. […]

Financial Coaching

#MoneyMondays “Best Way To Repair Credit”

Question: What’s The Best Way To Repair Bad Credit?

Answer: If you’re following my blog and social media accounts, that should be the least of your worries. The honest truth is my credit score could be a 540 and I wouldn’t have a care in the world about it knowing what I know now. […]

You Must Do This Before Making Large Purchases

We live in a day and age where everyone wants everything now. What we lack in patience, we make up for in debt.

Auto and student loans in America now, both, top over $1 trillion individually, and credit card debt isn’t far behind at $780 billion.

So how do we begin to reverse these trends? It’s simple actually: stop borrowing money and start saving for big purchases!  […]

How To Budget Like A Boss

If you were to ask a group of people how they currently budget, the majority would say that they just use an app like Mint to track their expenses or they don’t budget at all.

A solid financial coach would tell you that a zero-based budget is the most effective way to budget. A zero-based budget is one that gives every dollar earned a responsibility before it ever touches your account.

This doesn’t mean that your account hits zero every month, but, rather, that there is no dollar unaccounted for. For example, any extra money you have after covering your necessities would go directly towards paying down debt, savings, investing, etc.

[…]