Problems turned to money. No ROI kids business turned to new business. And major repairs with level-headedness and generousity.

What if you wanted to listen to a book each and every day of the year? What's the lowest cost to be able to do something like that? A few years ago I tried to do just that. Browsing Amazon and Barnes & Noble I was able to find some of the best books in many different genres. And then I listened to some of them on my library app called Overdrive and many more on audible. What could you do in life if the initial cost was zero or very low? How much more could you invest and how much would your ROI be?

If you're a landlord of commercial buildings or duplexes or anything like that take note. Create a waiting list so you always know the next five to 15 people that want to rent from you. And definitely have some high-quality background reports available for each of your prospective tenants. And make sure that the lease money or rent money you're receiving doesn't just cover your mortgage, but it also will provide for major repairs and economic downturns.

What are the key takeaways from playing a fast version of Monopoly? Have you ever played Cover Your Assets and leared more from your children than from the game? And what version of Acquire is in your closet? The lessons from these iconic games will help you as you buy, sell, merge and acquire businesses.

Eric Hoffer said

"You can never get enough of what you don’t need.”

Contentment and gratitude alleviate the need to keep a accumulating more and more and more. Affluenza as talked about in the show several years ago doesn't have to attack us like a nasty virus. We can constantly increase our income, decrease our expenses and use the difference to invest and give to others.

Bill Earle said “If your outgo exceeds your income, then your upkeep will be your downfall.” The original Biltmore Estate bleed a millionaire dry. George Washington Vanderbilt built an estate near Asheville, North Carolina. It's beautiful to tour the gardens, the massive estate, but it's also a testament that when our wants exceed our income then no matter our income are upkeep will be our downfall. What expenses can you systematize and trim today so no matter your income you can live in such a way as to be a huge giver?

Ben Franklin taught "a fool and his money will soon part." So how can we be more wise with the money we have? In three states three grandmas taught me what it means to be frugal with the money that we've been afforded. Whether buying for birthday parties or buying the essentials a dollar store is a great metaphor for using money wisely so that it extends. Wholesale not retail, search and scour don't just buy at full mark-up.

One of the best practices to understand financial intelligence is to learn about your place in the Cash Flow Quadrant. In what ways are you currently earning money? And what is the best, most enjoyable way for you to have your money work for you?

Using a second car to make income through Uber or Lyft. Renting out a portion of your home as an Airbnb or as a rental. Maybe taking a single family residence and turning it into a fourplex. What can you parlay, take from making some money or no money and make into a massive asset?

Last week in Boston, Massachusetts I went fishing off the coast near Cape Cod. My brothers-in-law and I had a wonderful opportunity to see how a Tuna business is conducted. In today's episode I compare and contrast those who had residual ongoing income to offset their expenses to those who relied solely upon big scores.