Farnoosh Torabi's Blog, page 15

My New Daily Podcast Launches Today!

You hear that sound? That’s me raising the roof. 

So Money, my new daily 30-minute podcast, is officially up and running with multiple episodes including interviews with #1 life and business strategist Tony Robbins, NBC Today Show financial editor Jean Chatzky and serial entrepreneur and bestselling author James Altucher!

You won’t believe the intimate financial details and stories these folks shared with me on the show. Their successes, failures, habits, guilty purchases, and everything in between. Tony Robbins actually took time to respond to some of YOUR questions, so definitely check out his episode. (And keep reading ON to learn how to win one of 20 free copies of his new book!)

Now, there’s one last piece to this puzzle. In order for this podcast to really make a splash and get positioned well in iTunes [and for all my hard work, late nights and tears to be validated] I need desperately, more than anything, for you to subscribe.

See, anyone can make a podcast and upload it to iTunes…But if nobody subscribes, it gets brushed under the carpet in the iTunes store, making it all that more challenging for prospective listeners to find it. 

But if we all take a few minutes to subscribe and leave reviews, then So Money has the chance of becoming a New and Noteworthy podcast on iTunes, which gives it top-shelf positioning in the store.

Will you please help me?

To encourage you, I’ve reserved 20 free copies of Tony Robbins new book, MONEY: Master the Game: 7 Simple Steps to Financial Freedom to give away to those who subscribe. I’ll be handing them away at random. To qualify just follow the steps here.

This podcast is 100% for you. I couldn’t have created it without you cheering me from the sidelines. For that, I am forever grateful.

Cheers and hope you enjoy the show!

 

Then you'll love my newsletter. Fill out the form below and you'll also get the first chapter of my book, Psych Yourself Rich, for free! You’ll learn the 10 bases you MUST cover to be in control of your money.

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Save $2,015 in 2015

With incomes remaining pretty much flat and basics expenses from health care to cell phones on the rise, saving money is a TOP New Year’s resolution. I’ve calculated simple ways to give your budget more breathing room – in many cases by just tapping into your smart phone. And in the spirit of the New Year, the total savings add up to the tune of $2,015. Huzzah!

DINING OUT: USE DISCOUNTED GIFT CARDS

SAVE $400

Discounted gift cards have been around for a while but there’s a new app called Raise that lets you purchase discounted gift cards and apply them at point of sale.

The Math: Raise buyers use the site and app almost every day on anything from practical purchases like groceries and gas on up to clothing, home furnishings or a night out at their favorite restaurant. The average discount on the Raise marketplace is 16 percent off. If you use this app say, JUST for eating out expenses (which total roughly $2,600 on average), you could save about $400.

GAS: WATCH PRICES DROP

SAVE $540

The US government predicts the average price of gasoline will be below $3 a gallon in 2015 ($2.60 to be exact). That’s 77 cents per gallon lower than in 2014. For the average driver, The Energy Information Institute estimates that a savings of about $540 for the year. Free apps like GasBuddy and GasGuru can help you find the lowest prices.

PRESCRIPTION DRUGS: SHOP DISCOUNT PROGRAMS AT CHAIN STORES

SAVE $250

Thanks to drug discount programs at chain retailers like Target, Walmart, etc. you can find hundreds of common generic drugs for pennies per pill, according to Consumer Reports.

The Math: Chain retailers like Walmart and Target have a selection of generics for just $4 for a 30-day supply, or $10 for a 90-day supply.

The average American spends about $25 per month for one generic drug (according to the National Association of Chain Drug Stores, citing a most recent 2011 Medical Expenditure Panel Survey, a government report).

If you can locate your generic prescription drug at Walmart or another store that offers the $4 per month plan, on average you could save about $21 per month, or about $250 per year.

ATM FEES: SKIP THE SURCHARGE

SAVE $145

The average ATM withdrawal fee jumped in 2014 by 5%. This includes the fee our bank charges us for using an out-of-network ATM and the ATM’s own fee.

THE MATH: Avoid at least the surcharge – which averages $2.77 these days – by using an app called AllPoint. The app helps you find the nearest surcharge free ATM using your phone’s GPS. And there are over 50,000 of these types of ATMs nationwide. Figure you go to the ATM each week, if you stay in network, you could save about $145 per year.

AUTO INSURANCE: USE A COST COMPARISON APP

SAVE $300

There’s a new app called Go which estimates its saves users $300 a year on average. Most of Go’s insurers offer a 5% discount just for signing up. Just download the app for free. Tell it how many miles per month you drive, your zip code, make and model of your car and how much you currently pay and it will show you competing rates.

GROCERIES: GET CASH BACK

SAVE $200

Say goodbye to clipping coupons in 2015. Instead, use cash-back mobile apps like Ibotta, Saving Star and Snap by Groupon that give you cash back when you buy everyday grocery items – milk, bread, diapers – from chain grocers and sometimes drugstores and big box retailers.

HOW THEY WORK: Go grocery shopping and then you hop onto any one of these cash back grocery apps to see what the offers are. Then scan the barcode on the grocery item or take a snapshot of your receipt to redeem your earnings. You get cash back – a dollar here, 50 cents there – deposited into your bank account or sometimes on a gift card. The Snap By Groupon App estimates you can save about $200 a year on groceries with its app.

ENERGY BILL: USE A PROGRAMMABLE THERMOSTAT

SAVE $180

With a programmable thermostat you can schedule the temperature in your home to go down when you’re out of the house or asleep in the winter and up when you’re out of the house or asleep in the summer to reduce the use of energy. The Energy Department figures you can save an average $180 on your energy bill annually with a programmable thermostat.

DINING OUT: $400

GAS: $540

PRESCRIPTION DRUGS: $250

ATM FEES: $145

AUTO INSURANCE: $300

GROCERIES: $200

HEATING: $180

TOTAL: $2,015

Then you'll love my newsletter. Fill out the form below and you'll also get the first chapter of my book, Psych Yourself Rich, for free! You’ll learn the 10 bases you MUST cover to be in control of your money.

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Help Me Beat Suze Orman

The team at GoBankingRates.com has generously included me as a finalist in its fourth annual “Best Personal Finance Expert” competition. I’m in the company of some highly accomplished and famous financial pros from Dave Ramsey to Warren Buffet to Suze Orman.

It’s an immense honor, but honestly, part of me has been thinking, “What chance do I have to win?”

The contest’s been going on for weeks and I’ve done barely anything to promote myself. Sure, I tweeted and retweeted some promo messages here and there, but I haven’t really pushed it to my followers like other contestants. For a while I was just thrilled to see my name ahead of Suze Orman’s!

Well, I’ve gotten over my insecurity. What’s wrong with a small ask, right?

So, here it goes: Will you please vote for me? It only takes a few seconds to vote and you can do so right here. No need to hand over your email or anything, Just a simple click-click-click.

The deadline is this Wednesday, December 31, and you can vote as many times as you want! (Just sayin’…)

And please let me know when you’ve voted so I can personally thank you.

Then you'll love my newsletter. Fill out the form below and you'll also get the first chapter of my book, Psych Yourself Rich, for free! You’ll learn the 10 bases you MUST cover to be in control of your money.

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How to Have the Money Talk

This article originally appeared on Money.com.

It’s not exactly first-date material, but at some point early on couples ought to start talking about money.

Best if the first discussion happens before the relationship takes a turn for the serious—like moving in together, getting engaged or married, or cosigning a loan. You’d want to know if your steady’s trying to pay off a six-figure law school loan or hasn’t saved a dime towards retirement yet, right?

While we know it’s important, many of us shy away from asking our partners key questions related to savings, investments, debt and credit. More than 40% of couplessurveyed by Country Financial recently said they didn’t discuss how they’d manage their money together ahead of tying the knot.

As a society, we’re not especially conditioned to speak intimately about our finances. One report found money to be a tougher topic for Americans to talk about than politics and religion. Plus, if you’re not particularly proud of your financial state, a no-holds-barred discussion may stir up anxiety, embarrassment and fear of rejection.

Here’s how to calmly—and, dare I say, pleasantly—enter this critical conversation into the record in the early stages of your relationship:

Set a Date

My now-husband and I had a money powwow about two years into dating.

Don’t get me wrong: By then, we’d fully observed each other’s spending behaviors and discussed goals (thankfully, with no red flags). But we’d yet to really share specific numbers.

With plans to move in together and cosign a lease just a few months down the road, we figured this was a natural and important time to get into the nitty-gritty.

If you and your mate haven’t come anywhere near this conversation yet, my recommendation is to schedule a time to talk so that your partner doesn’t feel blindsided and so that you can each do a little homework beforehand if need be.

One way to frame your request for a money summit: “I know it’s not the most exciting thing to talk about, but it would make me a lot more comfortable if we could go over our finances together since things are getting more serious. I’m not worried at all; I just think it’s helpful if we share the basics so that we’re both on the same page and can work toward common goals. And I want you to feel like you can ask me anything you want about my finances. I want to be an open book about this stuff because I’ve seen how it can unnecessarily complicate things in relationships.”

Then ask: “What do you think?”

Make an Even Exchange of Information…

To ease any potential tension, my future husband and I decided to meet at a familiar and fun setting: our favorite bar.

We ordered a round (one round only) of margaritas and proceeded to jot down the following on a piece of paper: annual income, bank balances, outstanding loans and credit card balances and approximate credit score.

Then we swapped papers, revealing our details at the same time.

This exercise gave us a simple, quick apples-to-apples comparison and helped us understand our relative strengths and weaknesses.

We discovered that while I had more retirement savings, he had a better credit score. (I was still dealing with the consequences of a late payment on my Banana Republic Card five years prior when I was younger and less vigilant. Sigh.)

You and your partner could try this tactic if you both are straight shooters. But if your sweetie could use some help coming out of his or her financial shell, you might need a softer approach.

…Or, Ease Gently into the Interrogation

Revealing a bit about yourself first may encourage your significant other to talk money.

“Share your feelings and see how he or she reacts,” says Barbara Stanny, author of Sacred Success: A Course in Financial Miracles.

For example, you could start by saying, “I really hate having credit card debt.” From there, you can talk about your personal experience and then ask for your partner’s take.

Or, try the following softball conversation starters which can help you get at hardball answers:

What you really want to ask: “How much do you have in savings?”

Start with: “Would you say you’re more of a saver or spender? Why?”

This helps you figure out habits and behavior, which can be just as telling as actual figures. “Most important, you want to know what are their spending and saving personality is like. For example, how impulsive are they?” says Kate Northrup, author of Money: A Love Story. You can follow up with a question like, “Are you trying to save up for anything major?” This approach can also help you figure out if you share similar goals.

What you really want to ask: “What’s your credit score?”

Start with: “When did you first open a credit card?”

Go down memory lane together to ease into your credit technicals. Talk about how you might have signed up for your first card in college just to score that free t-shirt. And admit a personal rookie misstep you might have made with said credit card.

Then gradually you can warm up to: “Have you ever looked up your credit score?”

If neither of you know, take a few minutes to get free estimates using mobile apps from Credit Karma, Credit Sesame or Credit.com.

What you really want to ask is: Do you have a lot of student loan debt?

Start with: How did you pay for college?

This is the question many dating couples probably want answered, as towering student loan debt is a sobering reality for many.

A conversation about how you afforded school—via scholarships, working and/or student loans—will help engage your partner. And along the way you may gain some insights into each other’s financial values or work ethic, too.

Once when you’ve gotten all these basics out of the way, treat yourselves to another margarita. Your first money talk out of the way! Now that’s a relationship milestone to be celebrated.

Then you'll love my newsletter. Fill out the form below and you'll also get the first chapter of my book, Psych Yourself Rich, for free! You’ll learn the 10 bases you MUST cover to be in control of your money.

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4 Ways to Make Millennials Happier at Work

This post initially appeared on Money.com

Managers, get ready: By 2030, Millennials will make up 75% of the workforce, according to the Bureau of Labor Statistics.

And a new survey from Payscale, led by Dan Schawbel of Millennial Branding, finds this generation to be more ambitious than those who came before them. Nearly three quarters of Millennials say that an ideal job would offer some career advancement, more than Gen X and boomers. The report also pinpoints the specific types of conditions and leadership Gen Y’ers crave at work.

Play to those needs and your business may also be able to boost retention, Schawbel says.

His report finds that 26% of Gen Y workers believe employees should only be expected to stay in a job for a year or less before seeking a new role elsewhere. As an employer, that kind of turnover can be pricey. “It costs about $20,000 to replace each Millennial,” says Schawbel.

And considering the time it takes to fill that position and the stress workers take on to cover for the job in that time, it’s worth keeping a talented Millennial happy at work, he says.

As managers, here are four ways to give in to this demographic—while still getting what you need out of them.

1. Lead with the Positive

Remember, this is the generation that still got trophies when they lost a little league game. Their parents flashed bumper stickers stating that “Junior Made the Honor Roll.”

For this cohort, it’s more effective to give constructive feedback that points out what they’re doing right ahead of what they’re doing wrong. “Millennials want feedback, but they don’t want criticism,” says Schawbel.

An effective manager sets up expectations from the beginning, and offers compliments before giving negative feedback. “The tone is really important,” he says.

2. Treat them like Family

Gen Y thinks of their boss as their “work parent” and coworkers as “work relatives,” notes Schawbel.

In fact 72% want a manager who’s friendly and inviting. That compares to 63% of Gen Xers and 61% of Baby Boomers.

Reciprocate and play to those needs via team-building exercises, office happy-hour outings, volunteering opportunities and mentorship programs. The goal is to make it so there’s a real cost to them for quitting, says Schawbel. “They lose that family and they lose that culture for leaving.”

3. Promote from Within

Millennials want to lead. Therefore, demonstrating to your staff—particularly the 20-something set—that there’s a strong chance for upward mobility is imperative. If you constantly hire externally for advanced positions, how can you expect them to want to stay?

Besides engendering loyalty, raising up someone internally is a lot cheaper. Bringing in an outsider is “1.7 times the cost of internal hiring,” says Schawbel.

4. Give Them Ownership

This is not to say that you should give them a fat equity stake or a seat on the board.

The majority of Millennials say they want the opportunity to learn new skills and freedom from their managers. They want to own their projects from start to finish. To that end, an “intapreneurship” program—where you encourage workers to develop ideas for new products and services in an in-house incubator—can go a long way in keeping Millennials happy.

LinkedIn, Google and Lockheed Martin have their own versions of this kind of program.

How it works: Employees to come up with a business plan and pitch it to executives. For Millennials such projects offer the best of both worlds—they get to experiment freely like entrepreneurs but within the comforting structure of a 9 to 5 (dental included).

Then you'll love my newsletter. Fill out the form below and you'll also get the first chapter of my book, Psych Yourself Rich, for free! You’ll learn the 10 bases you MUST cover to be in control of your money.

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Mommyhood Musings: The Baby Effect and My New Business Idea

This is week 16 and I’ve been delayed posting to this thread of mommyhood musings, but good things come to those who delay: Evan is 4-months old today and to celebrate, he decided this would be the day he’d turn on his tummy all by his little self. I shrieked so loud he started crying. Sorry, bud. His tiny cry quickly turned into a great big smile.

Four months into parenthood and I’m experiencing the Baby Effect. Have you been hit with it?

I’m not talking about the loss of sleep. I’m talking about staring at your baby and realizing, “I can’t have anymore financial uncertainty. I can’t afford to have a slow year – ever.” Maybe this is just me overthinking things, but I’ve heard it from other self-employed and entrepreneurial parents, too.  As soon as you have kids, it’s a whole other ballgame. No more “hoping” things will work out or fall into place. (and by “things” I mean having a job, or income from a prospective project or client.) I’ve been very fortunate in my career up until now, thanks to a lot of hard work, taking risks and being in the right place at the right time. I’ve also spent a good bit of time “hoping” and “trusting” that certain opportunities will materialize.

No more.

So, what’s on the other side of this baby effect for me?

Introducing in early 2015, the launch of my podcast, So Money with Farnoosh Torabi. It’s in deep development right now, as I secure guests and work on the cover art and landing page, but I feel like this is my next calling. I’ve been watching other web entrepreneurs and financial bloggers in AWE over the past few years, as they create their own intellectual property via books, podcasts, videos, etc. I do all of that, but always in partnership with some larger platform (Yahoo, Money magazine, Hudson Street Press, etc.).

Could I do something as powerful and meaningful on my own? Could I make turn it into a viable revenue stream?

I was always curious about ways to make my personal mark online and connect directly with you, my audience, in a way that felt authentic. Blogging is one thing. But podcasting, while it’s nothing new, offers a way to connect on an entirely different and more intimate level in ways. And with my technical background in broadcast journalism, I feel comfortable, prepared and excited to take my business on this new journey.

In my next blog post, I’ll spill the details of this podcast with you and ask for your feedback. I want this to cater to YOU, my fans and followers from day one.

Thank you, Evan, for giving mom the inspiration to work smarter.

Then you'll love my newsletter. Fill out the form below and you'll also get the first chapter of my book, Psych Yourself Rich, for free! You’ll learn the 10 bases you MUST cover to be in control of your money.

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Lost Your Wallet? Take These 7 Steps Now

Lost your wallet? You’re in the right place.

In my latest piece for DailyWorth.com I provide 7 essential steps to help protect your money and identity in case you lose your wallet or have it stolen.

I speak personally.

I knew I should have carried my wallet in a purse that night. Instead, I fashionably tucked it under my arm and headed to the local wine bar with my husband. Two pinot noirs later I reached over to pay the bill only to realize that my wallet — which I thought I’d rested on the bar top — had vanished. Was it stolen? Did it fall on the ground somewhere? Hold on. Did I even bring my wallet? (The wine wasn’t helping.)

We carefully traced our steps back to our apartment, eyes glued to the ground. But no luck. The wallet was gone and so was our fun date night. When this happens, the key is to remain calm and proceed through a quick and efficient plan of action.  For the complete step-by-step read my piece at DailyWorth.com.

Then you'll love my newsletter. Fill out the form below and you'll also get the first chapter of my book, Psych Yourself Rich, for free! You’ll learn the 10 bases you MUST cover to be in control of your money.

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My Gift to You: One Year Subscription to MONEY

Big News! When She Makes More was honored with an award for Best Personal Finance Book at this year’s Plutus Awards– a ceremony celebrating the very best in personal finance. I’m incredibly proud of the project, especially because of all the important conversations it’s sparked since we launched in May.

That said, I am still seriously struggling with something and I’m hoping you can help me.



It’s actually sort of embarrassing.

I need more Amazon reviews. As an author, the biggest challenge is building awareness around your book – and encouraging sales. And this is something I simply can’t do alone. There are millions of potential readers out there that have no clue about this book or aren’t convinced it can help them thrive in their relationship.

If you’ve yet to write a review, would you be willing to help me spread the word by leaving honest feedback on Amazon.com? (Whether you loved it or hated it?)

I know this takes time and thought so to encourage new reviews and show my appreciate I will send those who write a review between now and next Monday:

A 1-Year Subscription to MONEY (a $60 value). As a former college intern and now contributing editor at the award-winning personal finance magazine, I will proudly give you the gift of MONEY. I love this magazine for its no-nonsense, practical advice and I know you will, too. The free subscription gives you access to both print and tablet formats. [Disclosure: MONEY is not working with me on this promotion or giving me a special rate. I am paying out of my own pocket to provide this gift to you.]

BONUS GIFT FOR FIRST 20 NEW REVIEWERS:

A private 20-minute call, where I will answer your single biggest money question. 

How to qualify for these gifts? There are 3 simple steps.

Click here to write a review on Amazon  between now and Monday October 13th. That’s exactly one week from today.
Forward the review or send me a screen grab with the subject “AMAZON REVIEW” to Farnoosh@Farnoosh.TV
Include your name and address in the email so I can sign you up for your subscription to MONEY Magazine.

Okay. Are you ready? Not sure how to write your review? My advice:

No need to write long paragraphs. Your review can be just 2-3 sentences short.
Use this PDF I created summarizing each rule, a sort of When She Makes More crib sheet to help.

Consider these questions to get the creative juices flowing:

What is one idea you loved from the book?
What is one thing that surprised you from the book?
What was your favorite story/example from the book?
Out of the 10 rules, which was the most intriguing?
How do you think this book will help women?
Why is this book personally important to you?

Thank you so much for your support. Looking forward to sending you your free subscription to MONEY!

Then you'll love my newsletter. Fill out the form below and you'll also get the first chapter of my book, Psych Yourself Rich, for free! You’ll learn the 10 bases you MUST cover to be in control of your money.

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Mommyhood Musings, Week 13: Feelings on Being a Breadwinner and Mom

A good friend – and mom of three – recently asked me how my attitude towards the idea of stay-at-home parenting has changed since becoming a working mom.  (For background, I have taken a pretty strong stance in the past on the importance of continuing to earn money in your marriage – even with kids. Stay at home parenting – for both men and women – is seriously risky. I know that the alternative (working) is incredibly challenging and seemingly impossible for some families who are struggling to afford child care. Others simply don’t believe in having kids, only to hand them over to someone else to care for them during the day.)

My critics have told me that I’m insensitive. I’m not practical. And because I developed this thesis before becoming a mom, some have called me clueless.

My response today, now that I am a mom? Well, I have and always will understand why some parents choose not to work. But I continue to believe that it’s just not something I will ever choose for myself and not something I will ever encourage others to pursue for all the reasons I’ve stated in the past. And, in fact, since becoming a parent, I am even MORE interested in expanding my career and earning more money. As the breadwinner, I think about our household finances a lot. It’s not a source of stress as much as it is a source of curiosity and wonder. How can I earn more money but not necessarily work more hours? What new revenue stream have I yet to tap? How can I expand my business and create some potential passive income?

In short, among many things, my sweet son has inspired me to become a better breadwinner. 

How has having children changed your views on work and money? Tweet me @Farnoosh or leave me a message on Facebook.

Then you'll love my newsletter. Fill out the form below and you'll also get the first chapter of my book, Psych Yourself Rich, for free! You’ll learn the 10 bases you MUST cover to be in control of your money.

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Mommyhood Musings, Week 12: How to Handle Mommy Guilt

There it was, staring at me right in the face. That thing I always heard existed, but didn’t personally feel until it hit me (quite intensely) last week while traveling for work: MOMMY GUILT.

In between multiple FaceTime chats with Evan and my mom’s texts letting me know that her heart was ‘broken’ for my son who was missing his mommy…the guilt got laid on. Thick.

What got me through it – and thriving? I’ll tell you.

1. Knowing my boy was surrounded by love and more than capable adults. Between my phenomenal husband (who was able to take the week off thanks to his company’s generous paternity leave policy), my amazing mother-in-law visiting from Pennsylvania and my terrific nanny, Evan was surrounded – and hopefully distracted – by a team of responsible and loving people. As my mother-in-law said to me, “You’re allowed to miss him. But you’re not allowed to worry.” Thanks Gigi!

2. Remembering that he’s only 3-months old. It’s never easy to leave your kids for 8 hours during the workday, let alone several days during a business trip. But, as I write in When She Makes More, as a working mother, it’s arguably less hard on the children when parents invest a lot in their careers during the early years, compared to when they’re in grade school. My best friend Kate, also a mom, had a very hard time leaving her infant son for a work trip, but as she told me, “Babies don’t hold grudges.” So true.

In my book, I also use the example of Michelle, an entrepreneur and mom of two. “You can afford to be absent during the day when your baby is 9 months old, but not when he’s 9 years old,” she told me. That’s when kids really become much more self-aware, and begin to learn about themselves, relationships, and how to deal with conflict. Michelle spent a lot on childcare until kids were ready for school, but it was money well spent (and yes, this was in addition to the care that her husband provided). By then, thanks to never reducing her work hours or workload during those early years, she had earned the flexibility and seniority to say “No” to certain projects and schedules that interfered with quality time with her kids. Today she can pick her kids up from school at 3 pm—those 15 minutes in the car with her 11 year-old son, especially when he’s had a bad day, are “priceless.”

3. Realizing I was making money, dammit.  I’m the breadwinner in our family.  I have a critical financial role to fulfill. It’s my job to do my best to support my family and the life we’ve created. If that means taking off for 5 days to bring home the bacon, then I must. It’s time well spent. Nuf said.

4. Knowing other moms have it worse. I’m incredibly lucky. I get to work from home and enjoy my baby’s company throughout the day. I don’t have to rely on daycare. Instead, I have the world’s best nanny who loves my son like her own. And my husband is an incredible partner. The best, in fact. I am in awe of him. Without him I wouldn’t be able to have the same wonderful quality of life. Each day I count -and thank- my lucky stars. I know I am truly blessed and have no reason to feel sorry for – or upset with – myself.

5. Accepting that time away is good for me. Really good. My business trip spanned five days across two glorious cities. The first stop was in San Antonio. The second, New Orleans. Saturday morning in NOLA I woke up early before delivering my keynote address and explored the French Quarter, while indulging in warm, powdery beignets. There is much to savor in life and sometimes spending time away reinforces that. Time away also made me further appreciate how great I have it back at home.

 

 

Then you'll love my newsletter. Fill out the form below and you'll also get the first chapter of my book, Psych Yourself Rich, for free! You’ll learn the 10 bases you MUST cover to be in control of your money.

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