4F Forum

You weren't created to settle or to be always striving for comfort... You were made to reach your potential and "go for it." Today, we share our thoughts on why you should always be challenging yourself to get to your maximum potential and the steps to get there.

This week we introduce our host, Dan Kramer, and his story of going from W2 employee to business owner/entrepreneur. Ryley and Dan discuss the mindset changes that happened along the way.

How do you know if choosing a 15-year vs. a 30-year mortgage is "saving" you money? What if you could pay your home off faster with a 30-year mortgage AND increase your wealth at the same time? Are you in? Enjoy!

What happens when you're in a rut? Are you spending more time on your job or worrying about finances than you want to? Don't be too consumed to enjoy what really matters, your faith, and your family. This is real life, and today we discuss some steps to get out of that funk.

Nobody wants to pay more taxes. "You are not more patriotic by paying higher taxes". Did you know with the right education, you could earn more and pay fewer taxes? Have a listen!

Dan and Ryley talk about Dave Ramsey and some of the issues we have with his teachings. Dave has helped many people, but there are a few of his ideas that we question in this episode. Enjoy.

Do you ever feel like the odds are not in your favor? Like the deck is stacked against you when it comes to finances?
In today’s podcast, we talk about the four rules of financial institutions! It turns out, they are teaching us to play by a set of rules in our finances, and they are playing by a completely different set of rules that ensure they win, and we take all the risk!

Enjoy.

How do you know that the advice you are receiving is always in your best interest? There are a lot of opinions when it comes to finances, and this can confuse you.

Today, Dan and Ryley talk about five of the standard pieces of misinformation that they have encountered over the years in the financial industry.

Enjoy!

Getting to know co-host Ryley Smith.

Are you wondering how to build a life that doesn't revolve around your work?
Do you feel that there is not enough time in the day for the things you truly want to do?
Do you find yourself saying you don't have enough time, or you're too busy?

This episode gets into some thoughts and ideas that may help you work towards building the life you desire. Many people watch the years go by and never make it a priority to build a life that fits your actual wishes.

Hope you enjoy today's episode!