September 2020 Living Debt Free and Wealthy Newsletter

How to Get What You Want in Life!
Your mental attitude is one of the strongest forces in your life. It can help you to overcome any obstacle or it can cripple every area of your life. It affects your career, your relationships, and your happiness in life. There are three main parts of your mental attitude that I want to talk about… your drive, your responsibility, and your outlook.

The first part of having a positive mental attitude is your drive. The secret to success in your life has nothing to do with the circumstances that you were born in. It is how hard you are willing to work. Some people, from their circumstances, definitely get a head start in the race that we call life. But everyone runs, and anyone can win!

Eric Thomas has a powerful quote about the importance of your drive… “When you want to be successful as bad as you want to breathe, then you will be successful.” What he means is that you must prioritize and not relent in your pursuit of what you want. It is never an option for you to stop breathing. And it is never an option for you to stop pushing forward in your life. Life is going to hit you hard at some point. But you have to resist and overcome. You must roll with the punches and keep moving forward… no matter how long it takes and no matter how much it hurts. When you do that, you will love the results.  

This brings me to my second part, your responsibility. In life, you are responsible for how you react to everything that happens to you… not your spouse, your boss, or any other person or thing that you may want to blame. You can’t control the hand you are dealt. But you can control how you play it. Every day you have a million choices available to you. It is your responsibility to pick the best ones. Choose the ones that will improve you and the people around you. I’ve heard of a middle school principal, who would come on the PA system (to speak to the entire school at once) and she would finish her morning announcements with the following statement… “Make it a great day, or not, the choice is yours!”

This is so true! In life there will be good and bad things that will happen to you. But the most important thing is how you react to them. You can get up and push through the bad things, or you can stay on the ground and let them beat you into a pulp. Your choices will determine whether you will have a good or bad day.

The other part of making it a great day is my final point, your outlook. What you seek is what you will find; a day is how you see it. You can choose to see and focus on all of the negatives… or you can focus on the positives. Zig Ziglar, has several amazing speeches on “stinkin’ thinkin’”. And the biggest take-away from them is that your happiness in life is only dependent on you… not your circumstances, and definitely not from the people around you.

Finally, positive mental attitude is not a sprint; it is a marathon that doesn’t stop until your last breath. You have to be aware of it and always do your best to be positive and do what you can to help others in their journey. But be careful not to let others drag you down with them. And lastly, if you are struggling with your own mental state, then please have the courage to get help.  

Free Report- Learn How to PAYOFF Your Debts and Truly Live Debt Free!

"The best way to predict the future is to create it!" 

-Peter Drucker

Interesting Facts:

-The oldest dog died at the age of 29.

-Black olives contain on average 10 to 30% more oil than green olives.

-All swans in England are the property of the queen or king.

-Apples, not caffeine, are more efficient at waking you up in the morning.

-The largest living thing on the face of the Earth is a mushroom underground in Oregon, it measures three and a half miles in diameter.

-A quarter has 119 grooves around the edge.  


This September is the 17th anniversary of Life Insurance Awareness Month (LIAM). LIAM was started in an effort to raise awareness among consumers and producers about the need for life insurance. Americans by and large aren’t saving much money and many households are still mired in debt. Many see value in life insurance, but less than half have individual life insurance policies.

Half of the households in America would feel the financial impact from the loss of their primary wage earner in a year or less. In fact, over 40 percent would feel the impact within 6 months, including nearly 40 percent of households with an annual income of $100,000 or more.

Now more than ever, it is vital that consumers protect their financial security. Life insurance has been providing this kind of protection to Americans for more than 200 years.

Lastly it is to spread awareness of the many ways you can use life insurance. Life insurance has evolved to not only protect your family if you die, but also while you live. Call my office today for more information. 
Make Planning Your Retirement Simple?
A lot of people put off retirement planning because they are afraid of how complicated it can get. However, if you address these four questions below you will have the essentials of your plan.

1. How much income will I need?

Experts say that you need about 80 percent of your pre-retirement income to live on. Don't assume that your financial needs in retirement will be considerably less than what you need to live on during pre-retirement. Even if your mortgage is paid off, it is likely your medical expenses will increase. On the other hand, your other expenses such as utilities, taxes, food and clothing, will probably not change much from what they are now. Basically, you will need most of the finances you have now, in order to live a healthy and relaxing retirement. There is no 1 rule that fits everyone. It depends on the lifestyle you want to live in retirement, and what activities you would like to do.

2. Where will my finances come from after I retire?

Investing for retirement will help provide you with much of the income you'll need when you retire. Some people choose annuities, others play the stock market, etc... However you choose to invest your finances, the sooner you do, the better. The size of your retirement fund will depend on your investment decisions. The more you are able to earn on your investments during your working years, the more money you will have when you retire. 

3. How can I contribute money to my retirement plan?

A “Pay Yourself First Plan” is always recommended. Most people pay their bills first and then try and save a little money, at the end of each month. If you pay yourself first by putting aside money safely for yourself, before you pay the bills, there is no risk of spending the money later. The sooner you begin saving, the better. Don't waste precious time. It can never be recovered. Ask your financial advisor about the “cost of waiting”.

4. Which investments offer the best chance for satisfactory investment growth without excessive risk?

To create a retirement fund that will meet your retirement needs, some risk must be taken. If you invest all your money in a "safe" money market fund earning 2 percent or 3 percent annually, you'll never have enough to retire on. Learn how to invest wisely by speaking with a financial advisor. They will help you place your money correctly, so that it generates the best return for your specific needs. Call today and let me work with you to create the plan that will accomplish all of your goals so you can have the financial freedom to enjoy the retirement of your dreams.