Credit cards can rule you - but what if YOU ruled your credit cards? You can do so by utilizing credit cards for their miles or points, but not get eaten up with interest. Making minimum payments is a trap that makes you a slave to debt, so avoid it at all costs!

Here is the video of this episode: https://youtu.be/uML-Vyi-Stw

Education debt is something I've also dealt with. This episode goes through how I started noticing issues with an education loan, how I learned more about it, and a way to handle it by doing your own research based on my strategy!

Here is the video on the YouTube channel: https://youtu.be/5uSquLsNk_I

If you are considering purchasing Gold and Silver (as well as Platinum or Palladium) - there are a lot of sources for that on the web. In this episode, I show one particular site, but they all work similarly. In the video, I go over considerations you may want to think about in terms of what kinds of products you can purchase and how more expensive products can be achieved as an investment.

I am searching a website in this podcast episode, so if you need the visual aid, check out the same video from the YouTube channel: https://youtu.be/dzlUvnebZHw

Gold and silver have a place in investing. Feeling confident in your choices around precious metals will require some study, and ensuring you are getting into it with the right reasons for you and your portfolio. Learn a high-level overview of the thinking that goes into this world of investing!

Here is a video of this podcast episode if you prefer videos as your learning style:
https://youtu.be/G5MM4lRqtVc

Many of you may have heard of the envelope strategy, and I share in this episode how I implement it through different bank accounts that have different purposes assigned to each. It is just a way of funneling off your discretionary funds that help you to achieve anything you are planning for in your financial plan!

If you prefer to watch a video, here is the same episode as a video for you to watch:
https://youtu.be/zvDTfgAuH2I

One thing that can impact your credit is when fraud happens, or your identity is stolen. In this episode, you learn what has happened to me over time and my experience with these issues. You must do what works for you, but I will explain my strategies for handling bank and credit card fraud and identity theft. I have had it all happen to me throughout my life.

If you prefer watching a video, here is the same podcast episode in video format:
https://youtu.be/kVMnMXy9pCU

As part of your research and planning, you might be considering buying a house or already have bought one. So, should you make prepayments? This example discusses a mortgage and what happens when you make prepayments.

Since I do show something on the screen, you may want to watch the video instead. Here is the link:
https://youtu.be/89JF-Gw27Ug

Here, you see how paycheck timing can really pinch your disposable income. However, if you can keep your expenses under the paycheck amounts you receive on an every two-week paycheck cycle, then you can have two extra paychecks every year to invest. Do your homework to find out what kind of schedule you are on for pay - especially if you are on a salary.

What is your paycheck cycle? 

If you prefer watching a video of the episode, here is the link:
https://youtu.be/wCszO-MJIqY

Do you feel like you run out of money in a month? Do you find it hard to save money? Use this strategy to analyze your income and expenses to see if it is a timing problem.

Our paychecks and expenses do not always line up well, so take a few minutes to see if the timing is making you feel like you have no money to save.

If you prefer to watch a video of the podcast, here is the link:
https://youtu.be/TUoupHv2dNs

An author I ran across a few years ago described four paths for wealth creation. Tom Corley can be found on Amazon, and you can find articles about him online. You can follow one of these paths to success or follow all four of them. I personally have used them all in my own money management and financial planning. In future episodes, these paths will be discussed in greater detail, but this episode gives you an idea of how you can build wealth through multiple pathways. The key is to give yourself the gift of time to make it happen!

Just in case you want to watch the video instead, here is the link:
https://youtu.be/6SAgklvxpBg