Boom goes the dynamite!

Boom goes the dynamite!

After many years we are finally 100% Debt Free! I’m excited to announce that Emily and I, after being married for 7 years, are now debt free. We made our last credit card payment on Friday March 3rd 2017. This has been a long process. Ever since we got married in June of 2009 we knew that getting out of debt would be our ticket to financial independence. Now that we are here it feels a little unreal. I want to let you know that you can get out of debt, I mean mortgage and all. Yes, it is a

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Almost Debt Free

Not 100% Debt Free, Yet Ok, if you have been following me you know Emily and I have our mortgage paid off. But we are not quite 100% debt free yet. As I write this we still have $2,000 in credit card debt that will be paid off finally this Friday. I’m super excited to finally say I’m debt free. Why did I pay off the mortgage, but still have credit card debt? The biggest reason why is because I had a dead set goal of paying the mortgage off in 2016. This is why we paid the last payment

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How to make passive income in 2017!

Are you wanting to earn passive income or start a new business in 2017? If you are looking to make passive income in 2017, DO IT NOW. Stop looking for opportunities! The opportunities are endless. If you think you have an idea of what kind of business you want to start, then start. If you fail oh well. You’ll be able to recover and get back on track. The purpose of starting now is to gain experience. Once you have the experience of a with any type of business you’ll be that much more prepared to spot a truly once

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Why I want to become Financially Independent.

Why do you want to become financially independent? I woke up this morning in Hawaii. I wasn’t sure what to right today, but as I sipped my coffee looking over the ocean to the sun rise it hit me. This is why I want to become financially independent. I want to enjoy the fun things in life like watching the sun rise over the ocean, I can’t experience this in Kansas. Sipping my coffee listening to the ocean waves hit the beach, the smell of the ocean…this is why I want to be financially independent.   I’m not trying to

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How I’ve been staying motivated with this morning ritual.

Would you like to start a morning ritual that kick starts a positive attitude? Over the last week Emily and I have started a morning ritual by listening to Darren Daily first thing when we wake up. These are motivational clips from Darren Hardy. These videos have helped us really focus on the businesses we started and I think the videos will help kick start our success. These clips help me to think about one piece of my life, every day, on where to improve. If I can make these tiny improvements every day for a year by 2018 I’ll see

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A story from Donnie’s Childhood

Is there baggage in your life holding you back? I listened to one of Darren Hardy’s daily motivational videos today. It motivated me to share a little story from my past. Today Darrin spoke about unpacking your back pack of the past. If you are like me you probably are carrying around a whole suitcase full of past failures, setbacks, or your childhood. All three of those situations apply to me, but I want to share a little bit of my upbringing. Some of my baggage or self doubt stems from childhood This story really is the fuel behind my

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How much we spent on our Kalalau Trail Hike!

Hiking the Kalalau Trail is the BEST way to see Kauai inexpensively! Ok, I wanted to share this experience to show people that hiking is a great way to see amazing views and experience new places all while saving money. Sure window shopping is cheap, but to get life long stories that you’ll share with people for years to come, hiking is where it’s at. So, if you are on your way to Kauai, Hawaii you must checkout the Kalalau Trail! It is a breathtaking adventure that costs only a few hundred dollars to enjoy. And yes a few hundred

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Emily and I have big 2017 Goals!

Mine and Emily’s 2017 Goals! OK, I know we’re a little late in the month but I decided I want to make these annual goals public for all to see. However, before we get started I want to recap on one of the best years of my life. I’ve done a lot of great things this last year. Not just financially, but family wise as well. The list is as follows: Graduating from Rockhurst University with my MBA in Finance. I’ve paid off my house! I still have an interest free credit card to pay off, that will be taken

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How I’m going to read more books this year!

New Year’s resolution to read more books! OK, on average I probably read one maybe two books front to back every single year. However, I probably listen to three to five more on audio each year. None the less my big goal this year is to read at least one fictional book and three biographies this year. As well as try to stay focused in my reading selection, the books need to be informative or uplifting, but not too technical. If you’re like me your book stand may look like the above picture. It drives my wife crazy that I

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Should I lend money to family?

Should I lend money to family? When asked should I lend money to family my response is always the same, no. My experience loaning money to my parent has proved disastrous for my relationship with them and my wife. Loaning money to family is one of the worst things you can do for a relationship. Unless, you don’t mind being the debt collector when your sister, mom, dad, or cousin don’t pay you back on time. My Story My personal story of loaning family money was three years ago when my parents almost lost their house. They had failed to pay

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Steps to Financial Independence!

Here are the steps to Financial Independence. There are only five steps to get to the summit. If saving money is wrong, I don’t want to be right! -William Shatner Financial Poverty In this category you can not make enough money to sustain yourself or your family. In this case you would need assistance to cover your basic necessities. This assistance could come from other family members or the government. Many people can find themselves in this position and lead normal lives. Nearly 21% of Americans are in this category according to the Census Bureau. Financial Dependence In this category you are living

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Who is the Middle Class in America?

As an American I feel like everyone is middle class I love how everyone describes themselves as middle class and politicians love them. I used to work in a bank branch and I would talk to people all day long about their finances. I would be tickled to death when someone I talked to who was earning $200,000 year called themselves middle class. Because I would deal with people all day long who made $20,000 – $45,000 a year who were also calling them selves middle class. There is a big disconnect in America on who the middle class are. I

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Should I use a debt relief service?

Should I use a debt relief service? I vote no on this one. The issue with debt relief services is they do not fix the root problem that caused you to get into debt. In order to win with money you have to take control over your own finances, by changing your habits. Everyone knows not to get into debt, especially credit card debt. But it happens anyways do to the habits we create. By using a consolidation service you’re fixing the symptoms and not the cause. You plan to use one anyway If you do decide to work with

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How I bought my first stock!

I bought my very first stock at the age of 18 in the fall of 2005.  Ford stock was my investment of choice with 10 shares bought, which at the time was trading around $10 per share. I was super excited to be an INVESTOR! Next I was running to the school library everyday to check my stock price, this was before smart phones. An obsession over Ford occurred while I owned the shares. The purpose in buying the shares was to become super rich through the stock price all of sudden sky rocketing in price. It was a little ridiculous.

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Your car payment will make you wealthy!

Lets build wealth through Elimination. Eliminating your car payment WILL make you wealthy. Looking to build wealth, but don’t know where to find extra money? It’s time to look at the thing your drive every single day. I discovered a harsh reality when I sold cars one summer at a Nissan dealership. Cars are nothing more than a status symbol, and almost no one could afford the one they buy. Out of the 40 cars I sold that summer I remember very distinctly one couple who paid cash. It was a little old couple. Everyone else on our highways are driving around

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