Mapping Your Fearless Future: A Millennial's Simple, Easy Guide to Financial Confidence, Empowerment, and Hope: Paying Off Debt, Student Loans, Budgeting, ... Retirement, Investing, and More...

by M. Grant Kellermeyer

The 20th century master of weird fiction, H. P. Lovecraft, once said that the “oldest and strongest emotion of mankind is fear, and the oldest and strongest kind of fear is fear of the unknown.” The creator of the extraterrestrial sea-demon Cthulhu knew what he was saying when he recognized the existential power of fear and its primary a lack of knowledge. Things are immediately less frightening when we understand their dimensions – their limitations and weaknesses – and financial debt is no different than a werewolf in this learn its vulnerabilities, and it will stop having power over your choices. You’ll sleep better, get up easier, laugh more, and smile oftener. Instead of being thrown into a panic when a tire goes out, you’ll be temporarily “it turns a crisis into an inconvenience” when you have no debt, an emergency fund over $10,000, growing investments in well-researched IRA’s, and a flexible-but-intentional plan for the future. Pulling together the lessons from my grandparents’ books, hundreds of hours’ worth of listening to financial coaching sessions, and my completion of Financial Coach Master Training, I’ve designed this book to make the more intense elements of personal finance simple and digestible. What I’ve come to know – and what I want you to learn – is that there are six things you must do to be financially 1.Pay off and avoid debt at all costs2.Regularly operate a specific monthly budget3.Maintain a robust emergency fund for unexpected costs4.Invest wisely in select IRA’s with a guiding, proven investor5.Have the appropriate instruments of insurance in place6.Cultivate a spirit of gratitude, generosity, and humilityThroughout this book I’ll breakdown all six we’ll talk about how to start a budget, make a plan for paying off debt, and how to become debt-free; we’ll discuss the critical importance of establishing a rainy day fund, getting the right (not the wrong) kind of insurance, and putting a will in place for your loved ones; we’ll discuss investing – who to trust with your investments and what to expect, and we’ll talk about the positive attitude that 97% of American millionaires (1/3 of whom make less than six figures annually) cultivate in their own lives : an attitude of optimism, self-control, gratitude, and outrageous charity.This book is intended to be a silver bullet for your financial it’s small, simple, and short, but it packs a wallop. If you’re going through lots of financial chaos right now, I’d recommend seeing a financial coach to help you wade through the mess, but for the time being, this can act as a compass in the swamp, pointing you towards good choices, wise planning, and a fearless future.

105 pages, Kindle Edition

Published March 25, 2019

About the author

Michael Grant Kellermeyer is an English professor, bibliographer, illustrator, editor, critic, and author based in Fort Wayne, Indiana.

He earned his Bachelor of Arts in English from Anderson University (2010) and his Master of Arts in Literature from Ball State University (2012). He taught college writing and literature in Indiana for nine years at Ivy Tech Community College, Ball State University, and the Indiana Institute of Technology.