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Preparing For The Future
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The More Money works for you... The less you have to work for money!
"Addressing Your Present" circumstances includes developing new money habits that will help breed success in the future!
Its about understanding how "money" truly functions so that you can leverage it to create the success YOU DESERVE!
We hope you enjoy the information provided on this page and Thank you for letting us be of service!
Financial Solutions for ANY level of Financial Challenge !!
- Basics of Building Wealth
- Ways to Build Wealth on Low Income
- Using Debt to Make Money
- Personal Finance Playbook
- Investing Basics 1-0-1
- Credit Building Products
- Who is the Federal Reserve?
- What is Compound Interest
- Reboot Your Finances
- Child support
- Judgements
- Financial Habits For Success
- ID Theft
- Judgement
Preparing For The Future
Wealth Building Basics
There is a basic formula for building wealth: make more money than you spend, avoid debt, and invest your savings wisely. The first step is to earn enough money, which is easier if you're doing work you enjoy, are good at, and pays well.
"Basic Steps for Building Wealth"
- Savings of $1,000 in the Emergency Fund
An emergency fund consists of money you set aside to cover unexpected expenses that might pop up. These expenses could include things like a surprise medical bill or necessary house repair. An emergency fund is typically stored in a liquid account, like a high yield savings account, so that you have immediate access to it when needed.
- Pay Off ALL Debt (Except Your Mortgage)
In step two, the recommendation is to pay off all of your debt (except for your house), including credit card debt, student loan debt, car loans, and personal loan debt, using the debt snowball method.
- Save 3 - 6 Month of Expenses in a Fund
Now that you have all of your debt paid off (besides your house), it’s time to build up a more comfortable, fully funded emergency fund. One that could cover more considerable unexpected expenses that pop up and prevent you from ever needing to go into debt again.
- Invest 15% of your Income for Retirement
Specifically, Dave recommends investing 15% of your gross household income in a 401(k) and Roth IRA (or other pre-tax retirement accounts). He also recommends investing in mutual funds (specifically, growth mutual funds) as the investment vehicle of choice.
- Save For Children's College Fund
Specifically, it’s recommended that you open a 529 College Savings Plan or Education Savings Account (ESA). These are both tax-advantaged accounts, similar to a 401(k) or Roth IRA, but explicitly designed to be used for education expenses.
- Build Wealth & Give!
With your debt paid off, retirement on track, kid’s college paid for, and no mortgage, you are free to do with your money as you please. Some common suggestions include:
- Max out your 401(k) and Roth IRA, ensuring a full and happy retirement
- Continue building wealth in a brokerage account
- Invest in real estate
- Give money to charities that mean something to you
- Spend money on things you enjoy without guilt
What You’ll Do Before the Call
Be sure to gather all questions you may have pertaining to your credit. You can even have credit reports ready if you wish! The more information we have, the more detailed will your consultation be!
Wealth Building Basics 1-0-1
Personal Finance Habits
There are some basic financial principles you should understand before you start investing. This playlist will teach you things like budgeting, debt management, and retirement planning. If you’re going to live the wealth, your must FIRST, understand personal finance like the wealthy!
"Personal Finance Habits Playbook"
- Financial Habit #1: Regularly review and update your financial plan
Your financial plan is there to help you assess, plan, and improve your present and future financial life. It takes a snapshot of your current financial picture along with your goals to help you create an action plan so you can navigate financial decisions with ease.
- Financial Habit #2: Set financial goals that are meaningful
Setting goals is the first and arguably the most important step to financial success. Without goals, you aren’t able to track progress and celebrate milestones. When forming goals, it’s important to make them “S.M.A.R.T” goals: specific, measurable, achievable, relevant and time-bound.
Here are a few examples of SMART financial goals:
- Pay off $25,000 of debt in 7 months
- Make $10,000 from a rental property in one year
- Increase net worth by $30,000 this year
- Financial Habit #3: Create a budget and use it to guide your spending
Forming a budget is an important financial habit to make because you should always know how much money is coming in and going out of your accounts each month. Without knowing this vital financial information, you may be spending more than you make — leading to a life of debt and poor credit.
- Financial Habit #4: Find passive income to improve your income
If you want to build wealth and pay off debt faster, you have to find ways to make more monthly with passive income. Passive income is essentially money you make residually through endeavors with minimal routine upkeep. A few examples of passive income include rental properties, dividends from stocks, or a side business.
- Financial Habit #5: Build an emergency fund to protect your assets
Did you know just 40 percent of Americans are able to cover an unexpected $1,000 expense? What if your refrigerator breaks or your dog needs emergency surgery or your car has a flat tire?
An emergency fund is a critical safety net to ensure you don’t dip into your other funds designated for your routine expenses. If you don’t have one, your chances of accumulating debt greatly increases because you may have to use money that you planned for credit cards or other bills in order to pay for the emergency expense.
- Financial Habit #6: Talk openly about money with your friends
Have open and honest money conversations with your friends and family is a great way to continue learning new money management approaches and money tips to improve your literacy and overall motivation.
It can also be an extremely great way to get over any existing fears about money or taking those next steps to start working on your financial goals.
Introducing Crash Course Economics
In which Jacob Clifford and Adriene Hill launch a brand new Crash Course on Economics! So, what is economics? Good question. It's not necessarily about money, or stock markets, or trade. It's about people and choices.
Crash Course Economics (C.C.E.) Course
- C.C.E. #2
- C.C.E. #3
- C.C.E. #4
- C.C.E. #5
- C.C.E. #6
- C.C.E. #7
- C.C.E. #8
- C.C.E. #9
- C.C.E. #10
- C.C.E. #11
- C.C.E. #12
- C.C.E. #13
- C.C.E. #14
- C.C.E. #15
- C.C.E. #16
How Can I Prepare For The Future?
When you make conscious decisions to invest in your financial well-being, health, career, and interests, you set yourself up for success in the future. Your future depends on the investments you make today. If you start early, time can be your friend and not your enemy. Consider investing your money in more than just stocks and bonds, and save specifically for the future.
Investment Education 1-0-1
- Investing 101: Bonds
- Investing 101: FOREX
- Beginner Investing
- Investing 101: ETF
- Investing 101: Analysis
- How to Invest: 1 Hour Free Course
- Investing 101: Options
- Investing 101: Futures
- Invest like Warren
- Investing 101: Plan For Retirement
- Investing 101: Bitcoin
- How to Invest:
- Investing 101: Mutual Fund
- Investing 101: Compounding
- Stocks got beginners
"DECADE Credit Builder Products Catalog"
Credit Building Products For Every Client!
CREDIT CARD PRODUCTS
Destiny Credit Card
No Credit, Bad Credit? NO PROBLEM!
You’ll have time to fully review all the Terms & Conditions of your offer before you apply. If we are unable to match you to a Destiny Mastercard®, we may pre-qualify you for a credit card issued by another bank.
Continental Finance FIT MasterCard
No Credit, Bad Credit? NO PROBLEM!
You’ll have time to fully review all the Terms & Conditions of your offer before you apply. If we are unable to match you to a Continental Mastercard®, we may pre-qualify you for a credit card issued by another bank.
Principal Platinum Card
No Credit, Bad Credit? NO PROBLEM!
If you have less than perfect credit or no credit, then Principal Platinum is perfect for you. After completing our fast and easy application process, you will receive a $750 merchandise credit line from Principal Platinum. Make your minimum monthly payment and start to build your credit history with Principal Platinum.
First Progress MasterCard
Get a fresh start! Quick and Complete Online Application; No Credit Inquiry Required!
- A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- Build Credit Faster with 6 reporting cycles per month. (You will be assigned the fastest of 6 reporting cycles a month)
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Capital Bank - OpenSky® Secured Visa ® Credit Card
- No credit check necessary to apply. OpenSky® believes in giving an opportunity to everyone.
- The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
- 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
Surge Mastercard® Credit Card
- All credit types welcome to apply!
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Minimum 540 Vantage Credit Score
Build Your Credit Without a Credit Card
Using These Products listed Below
Credit Strong - Credit Builder Savings Account
- Build credit without a credit card.
Apply in minutes. We instantly give you a bank loan and place the funds in a FDIC insured savings account in your name. Funds are locked to secure the loan.
- Make small monthly loan payments.
As a bank, we report your payments to the three major credit bureaus, building your credit history each month.
- Track your progress.
We provide a monthly FICO® Score 8 for free, so you can track your progress. 90% of top lenders use FICO Scores when making decisions.
- Unlock savings.
When your loan is repaid in full, the lock is removed from your savings account. You’ve built both credit and savings.
Self Lender - Credit Builder Account
- Reports to all 3 credit bureaus. No hard credit pull and no credit history required
- Self Lender helps you get a small loan that you save in a CD for 12 or 24 months
- Savings plans start at $25/month and include credit monitoring
- At the end of account term, you've built credit history and your CD savings unlock
How Can I Receive Credit For My Rent?
- Do you rent a home or apartment?
- Pay Your rent as you have been, and your on time rent payments are now reported to selected credit bureaus to help boost your credit profile and increase that credit score.
- Pricing: $6.95 Monthly (Keeps Trade Line Open) - $48 One time set up fee - Optional: $65 Historic Reporting.
Be sure to gather all questions you may have pertaining to your credit. You can even have credit reports ready if you wish! The more information we have, the more detailed will your consultation be!
Money Management Basics 1-0-1
Who is Federal Reserve?
The Federal Reserve System (FRS), often called simply "the Fed," is the central bank of the United States and arguably the most powerful financial institution in the world. It was founded to provide the country with a safe, flexible, and stable monetary and financial system
"The Things You Need To Know About The Fed"
- What is the Federal Reserve's Job?
The Fed’s first job, the one that Americans are most familiar with, is raising or lowering interest rates. These are the rates that determine how much it costs to borrow money, to buy a car or a home mortgage or almost anything else you might want to borrow money for.
- Why should I care to know this information?
The Fed affects you by influencing the interest rates you pay. But more importantly now, it is making sure that EVERYONE has all the money anyone will ever need. Credit flows, companies stay afloat, paychecks arrive, people spend, and the economy goes on. That's why the Fed matters.
- Why & What is "Inflation?"
Sometimes, if the Fed lowers interest rates too much, more people are going to borrow. People who borrow are going to spend. The things that they buy, there’s going to be more demand, prices are going to go up. And what do you know, there’s inflation.
- What in the world is "Monetary Policy?"
In 1977, Congress issued what is known as the “dual mandate” to guide Fed decision-making, which states that the two primary goals of monetary policy should be to achieve maximum employment and stable prices within the economy:
- Employment & Price Stability
In order to meet the dual goals of maximum employment and price stability, the Fed takes a broad spectrum approach, weighing a wide range of economic trends and indicators-like employment data, inflation rates, consumer confidence, business investment, health of the housing sector and much more-to get a fuller sense of the health and direction of the economy.
- Uncle "Fed' has been around a LONG time
When Congress wrote the Federal Reserve Act in 1913, one objective of the Fed was to help banks acquire emergency cash reserves to meet such panic withdrawals, so that the shortage of funds at one bank didn't disrupt the entire banking system.
"Interest" Takes On Many Forms
What You’ll Do Before the Call
Be sure to gather all questions you may have pertaining to your credit. You can even have credit reports ready if you wish! The more information we have, the more detailed will your consultation be!
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