In this episode, I continue the discussion with Business Development Consultant, Randy T. Rowe, about Personal Financial Freedom.  We speak about more tips on credit card use, being employed vs self-employed, how much you need to start to invest in the stock market, and so much more.

• How would you say being employed to a company vs being self-employed changes your trajectory?
• Credit Cards - How to use them, Interest rates, credit card debt
• What are some cool financial resources you use - Planet Money (Podcast; NPR), Rich Dad Poor Dad (Book), The Game of Thrones (HBO Series), Succession (HBO Series), The Intelligent Investor (Benjamin Graham)
• Why renting can be better than buying a house?
• Should people feel ashamed about the amount of money they invest in their first stock purchase?
• How can he be found - @RTRowe and website, http://everymickle.com
• Final words on personal financial freedom 

This episode was recorded at, and is sponsored by THE HUB COWORKING:

Are you a self-employed Jamaican? An entrepreneur in need of a workspace?  Well, a coworking space may be what you are looking for, and The Hub is just that!

Coworking is designed to solve the problems of removing traditional office overheads by providing a low cost, aesthetically pleasing space with all the amenities of an office.  All this, while facilitating an environment of collaboration, community and a network that can propel your business to the next level.

Services include:

- Complimentary Coffee

​- Complimentary Wifi

- Flexible Membership Plans

​- Private Offices

- Conference Room

​- Meeting Lounge

- Business Address

- Receptionist

​- Printing, Copying & Scanning

​- Affiliate services 

Find out more information about The Hub, by visiting their website www.hubcoworkingja.com, giving them a call at 876-831-2765 or 876-833-4612 or paying them a visit at 34 Lady Musgrave Road, Unit #18, Kingston 5, Jamaica.  

The Hub Coworking, ‘Working Better Together’.

FINANCIAL TIPS:

• Be observant.  Observe the financial market.
• Map your expenses
• Look at recurrent expenses
• INVESTING:
• People should invest in stocks
• Invest in something that should give you the safest, largest growth towards your goal.
• Goal-oriented Saving - Decide the cost of what you want and work backwards, then figure out what investment products in the market or things you have that can generate that income.
• Wait until you are absolutely ready for a credit card
• When you get a credit card get one with a limit that is less than they are offering and at a level that you know you can manage.

RANDY T. ROWE WEBSITE/SOCIAL MEDIA - EVERYMICKLE.COM

http://everymickle.com

I don’t Save and You Shouldn’t Either - Randy T. Rowe

http://www.twitter.com/RTRowe 

BOOKS

The Intelligent Investor - Benjamin Graham

https://amzn.to/32aQu2r

Rich Dad Poor Dad - Robert Kiyosaki

https://amzn.to/2xuzdTN

Consume this podcast at:

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Music for Podcast: Reggae Meets Soul (Outro) - Mario Evon

Artwork Photo by Tiffany Lue Yen Photography.

Special thanks to Wayne Guthrie for assistance with Audio Engineering.

NOTABLE QUOTES:

“No one has ever gotten wealthy from a 9-5.” - Randy T. Rowe

“You have to own equity in something to be wealthy.” - Randy T. Rowe

“Credit cards are like plastic money that I already have.” - Mario Evon