Make Your Credit Cards Work for You

For modern day Americans, the credit card is just a part of life. And with most people swimming in debt, these plastic ball and chains are an every day reminder that we better keep swimming, or that debt will pull us right under. But what if there was another way. What if there was a way to make your credit cards work for YOU.

The key to all transactions in life is ending up better off then you started. Whether you trade your labor for payment, or your cash for goods and services, the end of the trade is your goal. But with credit cards, most people get caught in the abyss of lose-lose. Credit cards eat up your future cash flow, and they make everything more expensive (adding interest… and lots of it). So how can we reverse this and make these little plastic cash-suckers work for us?

How to Buy and Store Gold Securely

Paper money can be eaten up by inflation and companies can go bankrupt, but gold is money. That is why everyone with wealth should always have some of it stored in hard, shiny bullion. But just like cash, you probably don’t want loads of it hanging around your house. To solve this dilemma, my favourite option is: Hard Asset Alliance.

HAA Gold Chart

(Source: Hard Asset Alliance)

Hard Asset Alliance, is essentially a trading hub for gold, silver, platinum, and palladium. Once you’ve opened a free account, you can buy any quantity (no minimums) of coins or bars either for delivery to your address, or for storage in secure vaults in one of five countries (United States, England, Switzerland, Singapore, or Australia). The fee for storing your gold is 0.5 to 0.7 percent per year; that’s no more than $70 per year for $10k in gold… really cheap for that kind of security. And you can sell or take delivery of your metal at any time.

Golden Butter for a Rich Life

If you’re trying to stay healthy, butter should be on the top of your shopping list. Like all your food, it should be the best quality you can find and afford (see suggestions at the end of this post). So here’s to a bar of gold in your safe for financial longevity, and a bar of butter on your table to keep you healthy enough to enjoy your wealth tomorrow.


The mainstream is still largely enamored by “low fat” ideology… but they are also into digging themselves into debt and keeping up with Justin Bieber, so we shouldn’t give too much weight to mainstream thinking. Quality butter is one of the best things you can put in your body, and I’m staking my life on that claim.

Plan Spending Every Month

At the beginning of every month, I take about 30 minutes to organize our finances. In this post, I will walk you through my eight-step process.


As Eisenhower famously said, “Plans are useless, but planning is everything.” Writing down what you expect to happen gives you the baseline to compare what actually happens. This process provides an opportunity to improve your understanding of yourself, and to find areas where you would like to improve.

10 Ways to Get Rid of Negative Income

Debt has become commonplace today. It’s just a part of life. Deep down, we don’t want that baggage; we don’t like paying that bill every month; we would rather put that cash to better use. But we reluctantly accept that we need it. We need the things that debt can give us now and we’ll just have to deal with the pain. No pain, no gain, right?

Photo courtesy of

But we know that debt is the opposite of wealth. Debt is a drain on cash flow. Every payment today for things we’ve already consumed is money that could be paving the road to financial freedom. If we want more cash to save, invest, and enjoy life, we need to get rid of the drain on our income. Here are 10 ways to get rid of negative income:

My 10 Question Reader Survey

I want to make my blog better it would help if I knew more about you. So here is my first 10 question reader survey.


Would you please take a few minutes fill out the survey? It will help me create content that is more interesting and relevant to your needs. It is very easy and completely anonymous. I greatly appreciate your input.

Yes, please take me to the survey!

Everyone Is Self-Employed

Whether you get a paycheck from a single company or from many customers, everyone is self-employed. Before you think I jumped off the deep end, give me three minutes. Understanding that you work for yourself could be the single-most important, life-changing realization you have today.

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In most places around the world, we have won the battle against slavery: no one is forcing us to do a job we didn’t choose. You say you work for someone else? Everyone works for someone else. That’s what work is. If you sell tacos from your own food cart, or keep a manager happy by hitting numbers, you’ve got a customer to serve (the hungry pedestrian, or the demanding boss).

Investing In Peace of Mind

For most of my life I lived on the financial edge. It was only a few years ago that I finally got ahead of living paycheck-to-paycheck. Once I got an emergency fund set aside I couldn’t believe the peace of mind it gave me.

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An emergency fund is money set aside for the unexpected. The unexpected will happen, that’s just life. I used to have to scramble and try to work extra hours, or sell something on Craigslist, or worse of all, pull out the credit card.

What Will You Do With More Time?

I’ve been writing a lot about saving money, being productive to make more, and investing to further grow wealth. But why do I want to get wealthy? In short, I think good people being wealthy will dramatically change the world for the better. One reason is that more wealth gives you more time.

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Merriam-Webster defines wealth as, “An abundance of valuable material possessions or resources.” Having an abundance of what you need (by saving), or the ability to get what you need faster (by making more or having more productive investments), means you’ll have to spend less time working.

Men Shouldn’t Pay for Haircuts

My calculator told me $150 now could save $200+ a year… forever. Count me in! This is why men shouldn’t pay for haircuts.

Turner Hair Cut

A woman’s hair is more important than a man’s. There’s “angling” and “carving” and… I won’t pretend I have the slightest idea what all that means, but I know my hair doesn’t need all that. A man’s hair is pretty straightforward: X length on the top and shorter on the sides.