In Uncle Sam We Trust

Slowly but Certainly, Social Security Is Failing.

I see this routinely as I assist clients in preparing for retirement and other financial goals.  This statement is directly from the Social Security Administration’s web page that assists people with estimating their expected benefits at retirement:

“The law governing benefit amounts may change because, by 2034, the combined trust fund reserves are projected to become depleted – the same as projected last year. Payroll taxes collected will be enough to pay only about 79 cents for each dollar of scheduled benefits.”
Continue reading “In Uncle Sam We Trust”

Guilt-Free Spending (part 1)


Part I

‘Why do I feel guilty spending my own money?’ is a question that many people struggle with.

The seeds of this article stem from that question I saw posted in an online forum that I really had the desire to address.  When I tried to access the answer page to submit an answer, the user had retracted their question, likely thinking that it wasn’t a valid concern.  I thought it was a very valid concern and I had thought, “I know exactly why she feels guilty” and wanted to help.  So, since I didn’t get to answer the girl’s question, I’ll address it here and hope that she and others who have that same very common concern find it someday. Continue reading “Guilt-Free Spending (part 1)”

The Game You Write Your Own Rules For…

Empowered to do what you’d like to do and to be who you’d like to be.  All too often these days people, organizations, and ‘authorities’ are making all too many decisions ‘for your own good’.  If you’d like to retain or recover more of the ability to make your decisions based on your own values, you might want to ‘empower yourself’.  And you don’t need anyone’s permission to do it. Continue reading “The Game You Write Your Own Rules For…”

What Makes Money Work? Part 2

The Magic of Compound Interest:

When you invest your money and earn, for the sake of simplicity, 10% annually on a thousand dollars of capital ($1000), you would have $100 in profit or yield (which is taxed as earned income by governments in most states, but let’s ignore that for now).  When you’re ready I can show you accounts that have average earnings rates nearing 10% even in our present bleak economy, and avoid both taxation and market risk!

At the end of your first full year, you would have $1100 in your account ($1000 capital plus $100 at 10% interest) assuming your reinvested the earned interest or profits.  Had you removed your $100 and enjoyed your profit, the second year your investment might, with similar performance, yield another $100, the same as the first year.  Compound Interest assumes you do reinvest the proceeds.  Again, for simplicity in this example, interest is compounded or paid annually. Continue reading “What Makes Money Work? Part 2”

What Makes Money Work? Part 1

The Motivation:

Most everyone would like to have more money.  Although people who have a great deal of money could argue that with wealth comes a different set of problems.  While that’s true, I have been broke and in debt and I have had money and I can say I’d rather have money and the problems that come with it.  If you understand that sentiment, you might wonder ‘How do I make money work for me?’

I enjoy music and especially enjoy learning and playing guitar.  That guitar I’m holding was paid for from money that my money made for me.  While the guitar is nice, it’s even better knowing you don’t have to part with your capital to pay for it! Continue reading “What Makes Money Work? Part 1”

Almost Ready for Launch!

If you aren’t certain that you’re on my personal email list to get that first invitation, you might want to go sign up now at .  I spent the morning yesterday editing and scheduling for release four articles that will be posted on my new website over the next month. They are to be included in the monthly newsletter that I’m getting ready to launch.

Don’t miss the articles, the photography, the news from non-network sources, and the video instruction on how to solve financial issues and create wealth. More content will be added and I’ll be looking to my subscriber base for topics to cover in articles and live streams. Come help me reach people and make a financial difference in their lives, their family’s lives and our nation!

Simple, But Easy?

I can relate to hesitation about a belief in financial success. When I was younger I chose two careers that interested me greatly, but didn’t pay particularly well; music and photography. I enjoyed them both, and I was good enough at each to scratch a living from them, but financial success or excess was not within my reach at the time I was pursuing these careers. I have been deeply in debt, and I have been unemployed. Those problems have solutions. I have solved each of those problems more than once in my own life.

This article is written to offer you encouragement that whatever your financial situation, you can improve it. My mission with the MoneySmart Solutions book,, and my Wealth Strategies activity is not to make you rich, though you can certainly achieve that with the skills I can teach you. More work with the same skill set that solves a debt problem can produce an excess that will generate more money than you need. That is what creates wealth: simple skills and proper habits. That’s what the skills learned in the MoneySmart book and information at can help you learn. At that point you’ll have another problem: ‘how do I protect what I’ve created from those that will gladly take it from me?’ That’s where I can help you with my Wealth Strategies activity. On both sides, both broke and wealthy, there are issues to deal with. Continue reading “Simple, But Easy?”