Educated Freedom

Andrew interviewed and discussed Digital Assets, Blockchain, and Cryptocurrency with Spencer Shaw. They discussed when Bitcoin first began to have value, on Pizza Day - May 22, 2010, when someone received 2 Large Papa John's pizzas in exchange for 10,000 bitcoins. They discussed what Blockchain, Digital Assets, and Cryptocurrency is and how it's created, and the types of coins.

Highlights

• What's Pizza Wealth - 1:47
• The founder-creator of Bitcoin - 2:58
• Living in virtual reality - 5:45
• Bitcoin and what it is - 8:17
• The price of bitcoin - 11:03
• One of the issues with Bitcoin - 13:24
• Helping people understand what's mining and Bitcoin - 20:12
• Owning mining farms - 22:28
• The mining is done by computers - 23:50
• Cryptocurrencies as digital assets - 32:24
• What old coins do - 36:26
• There's nobody talking about Blockchain Engineering - 44:35
• What are your unique abilities - 46:18
• Owning some type of digital asset - 59:26
• Giving you the opportunity to do more - 1:02:00
• Helping clients be practical - 1:06:45
• Wealth is not just money - 1:13:05

Episode Resources

• https://bitwiseinvestments.com/
• https://collegeplanninginstitute.com/educated-freedom-podcast/
• https://collegeplanninginstitute.com/
• Connect with Andrew Windham
• https://www.linkedin.com/in/andrewwindham
• https://twitter.com/andrewwindham?lang=en
• [email protected]

Discuss every family/student's situation is unique, Net price calculators and 7 factors of financial aid formulas for projecting College Cost of attendance, Preview of changes coming in 2023 as a result of the 2021 Pandemic Relief appropriations legislation. Discuss sticker vs actual cost of college. What are Stafford Loans, different kinds & characteristics. Note, Loan, and effective rates in 2021 for Stafford Loans. Differentiating types of Stafford Loans, amounts, Qualification requirements & considerations for Stafford loans. Consideration of Stafford Loans when building College Cash Flow plan, Application of knowledge. Plus Cash Flow plan

Highlights

• How would you determine the cost of college - 3:01
• COA - Cost of attendance - 3:48
• Projecting college cost - 6:55
• What are Stafford Loans - 10:04
• A very good financial tool - 16:27
• Getting a loan for college - 18:48
• Stafford Loans as a great tool - 19:42

Episode Resources

• Connect with Andrew Windham
• https://www.linkedin.com/in/andrewwindham
• https://twitter.com/andrewwindham?lang=en
• [email protected]
• Applying & Learning about Stafford Loans: https://studentaid.gov/h/apply-for-aid
• Federal Loan Interest Rates: https://studentaid.gov/understand-aid/types/loans/interest-rates
• College Success Consultation - https://calendly.com/college_planning_institute/college-success-consultation
• Coffee & Cashflow Conversation - https://calendly.com/college_planning_institute/coffeecashflowconversation
• Qualified Tuition Programs -https://www.irs.gov/taxtopics/tc313
• Basic 529 Overview: https://www.thebalance.com/basic-overview-of-section-529-college-savings-plans-795279

Introduction to the many assumptions, challenges, and concerns related to the college process. You're Not Alone... the many emotions and frustrations in managing a 200+ hour effort with huge financial consequences. Adulting & transition to college/career - parenting your son/daughter to maturity & self-sufficient, Safety on Campus, Choosing the right College - list, research, visits; Career & Major selection - good questions, inventories, research/experience; Cost & Affordability - Fit, Finish, Funding. plus Cashflow Tip - American Opportunity Tax Credit

Highlights

• Why so many families don't seek support in the college process - 1:29
• You're not alone - 2:46
• 5 concerns that parents have - 8:25
• Each journey is unique - 9:43
• Students want freedom - 11:20
• It's very important to do college visits - 13:08
• The importance of the location - 14:30
• Research and experience - 20:58
• Affordability as the number 1 concern - 22:39
• Career and college fit is essential - 23:09

Episode Resources

• Connect with Andrew Windham
• https://www.linkedin.com/in/andrewwindham
• https://twitter.com/andrewwindham?lang=en
• [email protected]
• Link to Podcast episode - College Decisions, Your Career & Lifestyle Launchpad: https://podcasts.apple.com/us/podcast/college-decisions-your-career-lifestyle-launchpad/id1547356962?i=1000515386953
• American Opportunity Tax Credit -https://www.irs.gov/credits-deductions/individuals/aotc
• Winning the College Game Series - https://collegeplanninginstitute.com/Winning-the-College-Game
• College Success Consultation - https://calendly.com/college_planning_institute/college-success-consultation
• Coffee & Cashflow Conversation - https://calendly.com/college_planning_institute/coffeecashflowconversation
• How America Pays for College Report https://ww2.salliemae.com/about/leading-research/how-america-pays-for-college/

Discussion of perspectives and areas where addressing procrastination/perfection leads to increased progress, confidence, and success. What is the perfection paradox, what is perfectionism, why perfectionism leads to procrastination, 80% Approach, taking action and applying the 80% approach, and Cashflow Tip.

Highlights

• What paradox? - 2:11
• What perfection means to you - 5:41
• We spend our lives with a lot of "shoulds" - 6:36
• Procrastination and perfectionism - 9:24
• The solution for the perfection paradox - 11:42
• Hiring a bookkeeper - 23:11 Episode Resources
• Connect with Andrew Windham
• https://www.linkedin.com/in/andrewwindham
• https://twitter.com/andrewwindham?lang=en
• [email protected]
• College Success Consultation - https://calendly.com/college_planning_institute/college-success-consultation
• Coffee & Cashflow Conversation - https://calendly.com/college_planning_institute/coffeecashflowconversation
• Strategic Coach & Entrepreneurs Tool Kit: https://now.strategiccoach.com/entrepreneurial-toolkit-aw

Andrew and Tommy talk about how to identify your purpose and mission and how you can build and live your legendary life today. Tommy Breedlove is a Wall Street Journal and the USA Today bestselling author of the book "Legendary", and business, relationship, and mindset coach who is a regular featured keynote speaker at global events.

Tommy started his 20-year corporate career at one of the largest financial consulting firms in the world, and eventually became a shareholder, the International Practice Leader, and a member of the board of directors for one of the largest public accounting and financial firms in the southeast U.S.

Tommy now serves clients and audiences everywhere by empowering them to build and live Legendary Lives. He guides people to discover a life of significance while building a lasting legacy. The simple tools he shares show them how to work in their zone of brilliance, obtain financial freedom, and live with meaning and balance. The goal is to help everybody to become the person they've always wanted to be.

Highlights

• Starting today with a legend in business - 0:22
• Tommy's book - 3:12
• Did you live your life without regret? - 5:20
• What Educated Freedom is all about - 7:07
• Creating your own life - 9:04
• We're not alone - 10:49
• The combination of accountability and encouragement - 14:08
• You're the asset as an entrepreneur - 15:20
• We have to protect our most important assets: mindset, emotion, spirit, and body - 17:43
• Isolation is the enemy of excellence - 19:01
• Surround yourself with the right people - 20:29
• Every individual has their own purpose - 33:34
• Everything is an investment - 53:08
• You won't learn if you don't lose - 53:36
• The biggest mistake entrepreneurs make - 55:31
• Are you willing to invest in your business? - 57:14
• You must invest in yourself - 1:06:18
• What's something you can do today to live your purpose? - 1:07:40 Episode Resources
• Connect with Andrew Windham
• https://www.linkedin.com/in/andrewwindham
• https://twitter.com/andrewwindham?lang=en
• [email protected]
• https://collegeplanninginstitute.com/educated-freedom-podcast/
• https://podcasts.apple.com/us/podcast/living-an-important-vs-urgent-life/id1547356962?i=1000510385248
• Connect with Tommy Breedlove
• [email protected]
• Free Chapter of Legendary - https://tommybreedlove.com/gifts/
• Tommy's Purpose Course - https://tommybreedlove.mykajabi.com/discover-purpose-course?_ga=2.5420147.1171541474.1618505888-1792938300.1612215634

Financial Aid Basics - Gift vs Self Help Aid, Financial Aid formula, Need-Based Gift Aid, Merit-Based Gift Aid, Subjective Aid, 3 Steps to Maximize & Leverage Gift Aid, and a Cash Flow Tip.

Highlights

• His passion for college - 1:22
• Maximizing and leveraging gift aid - 2:34
• Understanding what financial aid looks like - 4:47
• Types of gift-aid - 6:47
• Where the overwhelm of money is - 10:06
• Building a game-plan - 11:42
• The importance of having a good game plan - 18:53
• Schedule a success consultation - 20:26

Episode Resources

• Connect with Andrew Windham
• https://www.linkedin.com/in/andrewwindham
• https://twitter.com/andrewwindham?lang=en
• [email protected]
• College Success Consultation - https://calendly.com/college_planning_institute/college-success-consultation
• Coffee & Cashflow Conversation - https://calendly.com/college_planning_institute/coffeecashflowconversation
• Winning College Game Masterclass: https://collegeplanninginstitute.com/Winning-the-College-Game
• Link to Podcasts - College Decisions, Your Career & Lifestyle Launchpad: https://podcasts.apple.com/us/podcast/college-decisions-your-career-lifestyle-launchpad/id1547356962?i=1000515386953
• You Were Born for This: https://podcasts.apple.com/us/podcast/you-were-born-for-this/id1547356962?i=1000512224285

Simplification and Clarification of Financial Aid - What it is and how to get it. 2 Categories of Financial Aid, Gift Aid, Self-Help Aid, and Creating a College Cash Flow Plan PLUS Cash Flow Tip.

Highlights

• Simplifying a very important piece of the process - 0:53
• A definition for financial aid - 1:32
• How do we get financial aid? - 1:53
• The two categories of financial aid - 4:05
• Self-help aid - 4:48
• The role in the financial game aid - 7:02
• What gift-aid is - 8:39
• Loans are a great way to pay for college - 14:19
• Creating a college cash flow plan - 17:34 Episode Resources
• Connect with Andrew Windham
• https://www.linkedin.com/in/andrewwindham
• https://twitter.com/andrewwindham?lang=en
• [email protected]
• Winning the College Game Masterclass: https://collegeplanninginstitute.com/Winning-the-College-Game
• College Success Consultation - https://calendly.com/college_planning_institute/college-success-consultation
• Coffee & Cashflow Conversation - https://calendly.com/college_planning_institute/coffeecashflowconversation

Andrew talks about the requirements of Success & Mastery and the 3 Pillars: 1 - Write Major Outcomes & Wins Daily, 2- Plan Your Day Before It Starts, 3- Absolute Accountability. Andrew talks about Results & Commitments, Thinking & Application Questions + Cashflow Tip/Key: Reviewing Your Auto Coverage.

Highlights

• What is success - 1:31
• Success and mastery - 2:32
• Making success possible - 4:14
• Unpacking the three pillars - 4:40
• The third pillar: accountability - 11:11
• What requires accountability - 12:47
• A cash flow tip for you! - 14:05
• Three pillars for business success - 16:49
• Creating wealth and cashflow - 18:20
• A bonus tip to think about - 20:30 Episode Resources
• Connect with Andrew Windham
• https://www.linkedin.com/in/andrewwindham
• https://twitter.com/andrewwindham?lang=en
• [email protected]
• Link back to Episode w/ Tommy (#18): https://podcasts.apple.com/us/podcast/build-live-your-legendary-life-with-tommy-breedlove/id1547356962?i=1000517876321
• Links for College Success Consultation: https://collegeplanninginstitute.com/schedule-a-consulatation/
• Websites - https://collegeplanninginstitute.com/ & https://collegeplanninginstitute.com/educated-freedom-podcast/
• WinStreak App for Strategic Coach
• Book Resource - Road To Less Stupid by Keith Cunningham: https://www.amazon.com/Road-Less-Stupid-Keith-Cunningham/dp/0984659269

Andrew discussed some Foundational Financial Concepts and Considerations, he unpacked and outlined Spenders, Savers, and Wealth Creators, and closed with some action steps for making progress towards being a Wealth Creator. Also, he dives into a Cash Flow Key - Begin Assembling Your Wealth Team - CPA, Bookkeeper, Financial Advisor, & Attorney.

Highlights

• The different types of financial people: spenders, savers, and wealth creators - 0:50
• Let's automate your financial processes - 2:30
• The impact that inflation has - 3:29
• What the impact of inflation might be - 4:40
• The impact of taxes - 6:53
• Are you a spender, saver or wealth creator? - 9:11
• Working to spend - 10:22
• Working to save - 11:50
• Savers understand the concept of opportunity cost - 12:35
• Creating financial wealth - 16:56
• What happens if you're a saver - 17:37
• Savers vs. wealth creators - 18:58
• Today's cash flow tip - 19:52
• 5 ways for you to make progress - 23:05
• A bookkeeper makes things objective - 24:03
• Having a reserve - 27:38 Episode Resources
• Connect with Andrew Windham
• https://www.linkedin.com/in/andrewwindham
• https://twitter.com/andrewwindham?lang=en
• [email protected]
• Link to Coffee & Cash Flow Conversation: https://calendly.com/college_planning_institute/coffeecashflowconversation
• Episode 15 - 3 Questions Guaranteed to Lower Your Taxes: https://podcasts.apple.com/us/podcast/3-questions-guaranteed-to-reduce-your-taxes/id1547356962?i=1000514526761
• Episode 11 - Cashflowing College: https://podcasts.apple.com/us/podcast/cash-flowing-college/id1547356962?i=1000508310192
• [email protected] for questions and suggestions

Andrew talks about the impact of college decisions mentally, emotionally, and financially. He dives into the 3 Elements of Great Decisions & Outcomes. Andrew explains how the College Decision Framework works and how to make a College Decision Exercise.

Highlights

• Why College decisions have a huge impact - 2:02
• College is worth it - 2:44
• College decisions can be really big - 4:57
• Having a meaningful Plan B - 7:03
• Choosing a good major - 8:33
• The college culture - 11:54
• We need to ask quality questions - 13:41
• The college decision exercise - 18:38
• The three elements of great decisions - 21:05
• Building relationships with people - 27:26
• Reducing the costs - 29:14 Episode Resources
• Connect with Andrew Windham
• https://www.linkedin.com/in/andrewwindham
• https://twitter.com/andrewwindham?lang=en
• [email protected]
• College Cashflow Consultation - https://calendly.com/college_planning_institute/college-success-consultation?month=2021-04
• https://collegeplanninginstitute.com/
• Always Be The Buyer: https://now.strategiccoach.com/always-be-the-buyer-book-aw