With 6 minutes to live if my kids wanted me to tell them everything I knew about finances this would be it. I would tell them about legacy, and about stewardship and about using money to help others. I'd each them what to work hard for and how to pivot before they nedd to.

Anyone that knows Melissa knows that she knows how to get good deals. So when my wife heard some of our children mentioning how slow our Internet connection was, she didn't just tell them to deal with it, she decided to do some homework. She studied the options of our current Internet provider and found out that their offers to new customers were better than our current offer. She then negotiated with a sales person to get 3 times faster Internet at 10% off of our current cost.

I love Dave Ramsey! My wife Melissa and I have had an opportunity meet him a couple times. He teaches so many good things. We've loved his books his seminars and his recorded teachings. There is one point that I disagree with though. On every purchase whether it be a service or product you and your spouse should ask does the warranty make sense? I don't believe that we should always get a warranty nor should we never get a warranty. Sometimes warranties will save you many dollars in the long run. Look for value in warranties on high cost items. Some of these items include refrigerators, dishwashers, flooring, and other high end electronics.

See what I have been thinking about over the last few weeks. I've come up with a few tips and tricks on how to be more frugal and have more freedom with your finances. In today's episode you'll learn about frugal options for sports and activity, actual cost value versus replacement cost, what dinners at home really save you, and how to turn your children into assets.

When looking to refinance or buy a house you may want to consider not only interest rates and payments but also principle or capital. Additionally your loan officer and where you get the loan from are vital components to make sure you get a good long term deal.

Living within our means is not easy but it's totally possible if we think of the phrase fix it up make it do or do without. It's not OK just to finance when we can't afford something. Resourcefulness and gratitude demands that we find a way to make what we currently have work or do without. We shouldn't be so quick to rush to purchase something brand new so as the fix a problem. Buying new simply adds a payment to the problem and brand new things DO break down and often cost more to fix then used items.

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Do you work too much? Not a big fan of micromanagers? Track your accomplishments and you'll never track hours again.

Investors, travel hackers, spiritual gurus, psychologists, family experts, and repair persons are best found through asking wonderful questions. The 6 gurus can help you make more money preserve your money and help you with your emotional and spiritual health.

Are there really people out there trying to take your money? Of course there are. They offer products such as gap in surance, lotteries, low monthly payments, and the offer of more money and less intelligence. In today's episode learn how to be more financially intelligent so your not taken for a ride.