The Financial Operator

In this episode, we will explore how to begin setting goals for your individual, financial, and business future, plus I'll share with listeners a step-by-step breakdown of my own journey through personal and professional goal setting and achievements.

Topics Include:

• How to Begin Setting Goals
• Determining Your End Result
• Breaking Goals Down Into Quarterly Segments
• Determining Subcategories for Your Goals
• How Using a Journal Can Help You Map Out Your Goals
• The Importance of Determining Fixed Goals
• How Self-Care Can Affect Budgeting
• How Daily Planning Can Foster a Sense of Freedom
• Learning How to Budget for The Most Valuable Asset...time
• How Goal Setting is an Art Not a Science
• How Goal-Setting Can Improve Work-Life Balance
• Using Real-Life Metrics to Determine Business Goals

Official Mills Knows Bills Website: https://www.millsknowsbills.com

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Youtube: http://youtube.com/millsknowsbills

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In this episode, we explore how to calculate and plan for your "Financial Independence Number." Retirement costs can quickly outpace your savings and investments, so planning ahead by establishing your "FIN" is a key step for anyone looking to secure long-term financial freedom.

Topics Include:

• Defining the Financial Independence Number (FIN)
• Calculating Your FIN
• The Dangers of Relying on Social Security
• Establishing Target Projections for Retirement
• Defining the 401K vs 403B
• A Traditional IRA Opposed to a Roth IRA
• Retirement Savings for Small Business Owners
• Pensions and Defined Benefits
• Calculating for Inflation
• Factoring Interest Rates

Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills?lang=en

LinkedIn: http://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills/_created/

In this episode, we address how diversifying your bank accounts can help you reach your financial goals and how budgeting properly can allow for more spontaneous fun in life.

Topics Include:

• The Value Of Multiple Bank Accounts
• Tips For Spouses With Different Accounts
• Starting Emergency Fund Savings
• Structuring Vacation Accounts
• How Savings Accounts Help Avoid Debt
• Identifying Who the Savers and Spenders Are In a Relationship
• Planning For the Future vs Enjoying The Present
• Creating Accounts Meant for Fun and Spending

Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills?lang=en

LinkedIn: http://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills/_created/

In this episode, I'm excited to share a conversation with one of my favorite clients, Xavier Jones.

Xavier's story on the realization of his home-ownership dream and how small steps like budgeting and credit repair transitioned into the giant leap of becoming a homeowner is a true inspiration!

Topics Include:

• How Budget's Are Not Just For The Wealthy
• Living Life To Fullest While Still Budgeting
• The Dangers Of Entangling Your Credit With Friends or Loved Ones
• Using Tools Like Zillow To Investigate Potential Mortgage Payments
• The Importance Of Knowing and Taking Control Of Your Credit Score
• Understanding How To Make Credit Cards Work For You Not Against You
• Techniques For Improving Your Credit And Keeping Your Score High
• Mastering The Counterintuitive Nature Of Credit Card Balances
• The Necessity of Working With a Licenced Realtor
• How To Avoid Overestimating Your Down Payment
• How Better Credit Scores Affect Your Loan's Interest Rate
• Using Apps Like Credit Karma To Help Motivate Your Credit Restoration

Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills?lang=en

LinkedIn: http://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills/_created/

Mills is joined by Natasha Falconi to discuss her journey into the world of real estate investment and how long term investments in properties may be the key to unlocking generational wealth for many aspiring investors or entrepreneurs.

Topics Include:

• Getting Started In Real Estate Investment
• The Advantages Of Multi-Family Real Estate
• The Power of Saving For Your First Property
• How Investors Factor Into Real Estate Ownership
• Understanding Passive vs. Active Investing
• The Risks Involved In Investing vs. Owning Property
• Breaking Down Common Barriers To Entry
• Building & Maintaining Generational Wealth Through Real Estate
• How Real Estate Factors Into A Balanced Financial Portfolio

Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills?lang=en

LinkedIn: http://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills/_created/

In this episode we will discover the do's and don'ts of debt repayment while covering the fundamentals of identifying, mitigating, and eventually conquering the debts that are holding back your financial freedom.

Topics Include:

• Defining, Gathering and Organizing Your Debt
• The Difference Between Good and Bad Debt
• Identifying Outstanding or Forgotten Debts
• Calculating Your Total Outstanding Debt
• Evaluating Your Various Interest Rates
• Budgeting For Debt Repayment
• Creating and Implementing Effective Payoff Plans
• Understanding and Utilizing The Debt Stacking Technique
• Real World Examples Of Debt Elimination

WATCH the visual presentation on Youtube: https://youtu.be/Gjdf59RXZrM

Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills?lang=en

LinkedIn: http://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills/_created/

In this episode we explore the enormous value and financially life-saving practice of calculating, establishing, and maintaining a robust and personalized emergency fund.

Topics Include:

• Defining Emergency Funds
• Calculating Your Personalized Emergency Fund
• Discovering the True Value of Emergency Funds
• Establishing When And How To Start An Emergency Fund
• Demonstrating How Emergency Funds Help Avoid Debt
• The Value Of Consistency In Saving
• The Practicality Of Direct Deposit Transfers
• How Emergency Funds Factor Into Your Monthly Budget

Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills?lang=en

LinkedIn: http://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills/_created/

In this episode, we kick things off and discuss keeping your finances on track by first mastering your money mindset!

Topics in this episode include:

• Identifying Your Money Mindset
• Building a Foundation
• Consistently Worrying About $$$ Robs the Moment
• What Do You Truly Enjoy Doing?
• What Is Your Perception of Money?
• How Do YOU Define Financial Freedom?
• Identifying Your Challenges
• Are You Your Biggest Obstacle?
• What Are Your Goals?
• When Do You Want to Achieve Them?
• Do You Have a Succinct Game Plan?
• What Saving Style Works Best for You?
• What Is Your Financial Kryptonite?

Official Mills Knows Bills Website

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills?lang=en

LinkedIn: http://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills/_created/

It's a pleasure to meet you, my name is Mills!

Some of you may be wondering, what is "Mills Knows Bills," and how did it come about?

In the fall of 2014, I sat in my dorm room stunned that I only had $1.50 in my bank account. I said to myself, "that's it?!?" – no credit card to fall back on, no savings account…nothing. Where did all my money go? How am I going to eat? How can I manage my finances better? These were all questions that flooded my mind; But where should I start? I began keeping track of all expenses and income on a spreadsheet, changed my major to finance, and obtained various positions in the finance industry.

Throughout the past five years, I've improved upon this spreadsheet, paid off $25,000 in debt in two years, and have become a budget planning expert. My experiences led to the creation of practices that have allowed me to help many others obtain financial freedom by cutting down the learning curve.

If you find yourself wondering where to start, I invite you to subscribe and tune into this podcast!

Thank you!

Mills

Official Mills Knows Bills Website

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