The High Worth Shift™ Podcast is on summer vacation.

Season 2 coming soon…

Make sure that you’ve finished Season 1’s rich behaviors!

This week’s episode is about celebrating you.

Every week, I give you a rich behavior so you can have more to show for your hard work.

My goal is to always honor the Behaving Wealthy Promise that each of our rich behaviors is designed to net you a return of at least 300%.

1 Rich behavior, 3x Richer results.

This week’s rich behavior asks you to celebrate you.

Listen to this episode to give you the kudos that you deserve.

Podcast Cheatsheet:

Episode’s Rich Behavior - 1:44

Ready to Start Behaving Wealthy:

https://www.behavingwealthyacademy.com/roi-retirement-roadmap

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Today’s episode of The High Worth Shift™ Podcast is our quarterly Rich Behavior check in.

Life gets busy and time can get away from us.

Every 12 weeks or so, it is a great habit to review your progress toward financial freedom. It’s customary to confirm that you are indeed on track to afford and achieve your dreams.

Therefore, this week’s rich behavior is to confirm that you’re on track with this quarter’s rich behaviors.

As your partner to more worth, more wealth, and more freedom, this week is your friendly reminder to stay on track.

Or if necessary, get back on track.

The Behaving Wealthy Promise is every rich behavior you execute can create 3x richer results for you. In other words, if Behaving Wealthy’s rich behaviors are implemented, then you could see a 300% return.

I created a Rich Behavior Checklist for this quarter. Click here to download.

Are you on track this quarter?

Kudos to you if you’ve completed each rich behavior.

Please share in the comments the actual richer results you’ve experienced because of these money baby steps.

If you have not completed each rich behavior this quarter, then today’s the day to execute the rich behaviors that you’ve missed.

Each rich behavior is designed to take you 10 minutes or less.

Are you willing to exchange 10 minutes for more money, more time, and more love?

I know you’re worth a 300% ROI.

Remember that baby steps lead to quantum leaps.

Financial quantum leaps create sustainable financial security.

Podcast Cheatsheet:

Episode’s Rich Behavior - 1:44

Ready to Start Behaving Wealthy:

https://www.behavingwealthyacademy.com/roi-retirement-roadmap

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In this episode, I help high income earners who will likely NOT qualify for financial aid for their children’s college expenses.

High income earners must let time work for them.

I explain exactly how to do just that.

By focusing on what they can control, allows them to meet the goal of helping their children have better lives.

College planning is a common parental goal that transcends class, race, religion, politics and yet college planning is one of the least planned goals.

Such a paradox -> clear goal but unclear steps toward achieving that goal.

The most important reason to plan for this goal is timing.

Think about it…retirement age for parents and college age for children can occur simultaneously.

If you don’t plan for both, then one or both goals suffer.

Both are known inevitabilities and yet too many people aren’t sufficiently prepared for either.

Both retirement and college goals can seem so far away.

People let time get away from them.

Life is busy and time flies.

How important is college planning to you?

Are you willing to sacrifice your retirement to pay for college expenses?

Remember you can’t finance retirement.

College and retirement don’t have to be competing goals.

Listen to this episode to learn how to strike the right balance to achieve both goals – college and retirement freedom.

Podcast Cheatsheet:

The Power of Compounding - 05:34

Tax Exempt Opportunity - 09:39

Episode’s Rich Behavior - 12:19

Ready to Start Behaving Wealthy

https://www.behavingwealthyacademy.com/roi-retirement-roadmap

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“Who’s left holding the bag?”

This adage encourages a person to think critically and objectively whether a situation will benefit him or her or whether that situation will steal from him or her.

In any transaction, who profits and who loses?

Specifically, who profits and who loses in insurance transactions.

Who wins with insurance and who - with insurance - is left holding the bag?

The goal of this episode is not to recommend a specific insurance.

The goal of this episode is to share how wealthy people approach insurance.

High income earners and wealthy people think about insurance differently.

The main reason - people who are financially free ask different questions about insurance than high income earners do.

I want you to ask the right questions about insurance.

When you do so, then you decrease the probability that you’re left holding the bag in any insurance transaction.

Or in other words, you’ll reduce the chance of wasting money that could be working harder and harder for you in a more advisable vehicle.

Listen to this episode to know whether you are posed for profits or overpaying with insurance.

Let someone else unfairly hold the bag.

After this episode… it should not be you.

Podcast Cheatsheet:

3 Ways To Lose With Insurance - 3:07

The Right Insurance - 7:30

Episode’s Rich Behavior - 13:08

Ready to Start Behaving Wealthy

https://www.behavingwealthyacademy.com/roi-retirement-roadmap

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This episode encourages you to get your financial life in order so that you can take advantage of investment opportunities that arise.

Did you know that millionaires are made during recessions?

Why?

The people who can profit from distressed opportunities during down markets are the people who win when the value of those assets rebound.

When assets are underpriced what do you do?

Your immediate emotional response indicates which camp you’re in.

Do you want to win twice or do you choose to lose twice?

For you to participate in these significant opportunities, you must have a good financial foundation.

You can not win if you are not on a good financial footing.

Today’s rich behavior is to assess your readiness to take advantage of opportunities.

Listen to this episode to know where you stand based on how you answer 7 questions.

Podcast Cheatsheet:

Two-fold Losses - 2:13

Who Wins? - 4:42

Episode’s Rich Behavior - 6:56

Ready to Start Behaving Wealthy

https://www.behavingwealthyacademy.com/roi-retirement-roadmap

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This episode explains a subject that few people proactively face until there is a crisis.

I’m talking about eldercare.

This is definitely a sensitive topic.

Some of my clients resist discussing eldercare…at first.

Who wants to think about the perils of old age?

Especially in a society that praises youth & runs from aging.

And yet, aging is natural.

Preparing for this inevitable state is honorable.

Not preparing for it means you become a burden to others.

Imagine working as hard as you do now but failing to prepare for this natural state, which leaves you vulnerable to losing your dignity the last years of your life?

It’s your choice: Dignity or Burden

Which do you choose?

Listen to this episode to learn the eldercare options available to you so that you can decide to maintain your dignity for the rest of your life.

Podcast Cheatsheet:

Retirement Definition - 03:00

Retirement’s #1 Goal - 06:55

Episode’s Rich Behavior - 14:07

Ready to Start Behaving Wealthy:

https://www.behavingwealthyacademy.com/roi-retirement-roadmap

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This episode explains the practical side of retirement planning.

Ultimately, the question you need to answer is, “Can you replace your current income so that you can maintain your standard of living in retirement?”

Retirement planning is “paycheck replacement” planning.

What’s essential is that you save enough to replace your income.

Did you know that the worst thing you can do is….

Wait and do nothing.

Did you know that the most common money question and worry is,

“Will I have enough money?”

Retirement Planning is answering that question to your satisfaction.

Your nest egg is all that you have to cover your expenses for the rest of your life. You must have enough money in your nest egg to cover the rising prices of your lifestyle during retirement.

So, your nest egg must be sufficient to cover the inflation adjusted costs of what you spend now.

A sufficient nest egg equals freedom.

You deserve freedom.

You’re worth it.

Listen to this episode to learn how to create your necessary retirement.

Podcast Cheatsheet:

Retirement Definition - 2:35

Retirement’s #1 Goal - 15:52

Episode’s Rich Behavior - 20:57

Ready to Start Behaving Wealthy:

https://www.behavingwealthyacademy.com/roi-retirement-roadmap

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Do you CYA?

How do you cover your assets?

Are you covering your assets?

This episode shares with you a few tips about emergency funds and emergency accounts.

High income earners and high wealth individuals treat emergency funds differently.

High income earners treat emergency funds and savings accounts as overdraft accounts or temporary places to park cash.

High wealth individuals treat emergency funds as strictly protective asset tools.

The difference is in the tragedy’s impact on a life.

Does it wipe you out or put your family or assets at risk?

Or can you go to an overflowing emergency fund and cover the difficulty and get back to your life with relative ease?

If your life resembles the former and not the latter, then you’re making your life unnecessarily hard.

If you don’t have an overflowing emergency fund, then unexpected costly events can be quite disruptive.

You know the low level of anxiety that results from robbing peter to pay paul.

Or the insecure feeling of seeing your savings account balance dwindle to uncomfortable levels.

Or worse having to use lost debt to weather storms.

Listen to this episode to learn how to defend your current and future freedom and CYA – Cover Your Assets.

Podcast Cheatsheet:

Why People Are Unprotected - 03:52

Episode’s Rich Behavior - 06:52

What’s An Emergency? - 07:25

Ready to Start Behaving Wealthy:

https://www.behavingwealthyacademy.com/roi-retirement-roadmap

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High wealth individuals use debt to achieve their goals faster and easier.

This episode teaches you how they leverage debt to become richer and wealthier.

Once you know these strategies, then you can use them over and over to achieve and afford your life and financial goals faster and easier.

If you aren’t using debt to increase your income and assets, then you’re leaving money on the table.

There’s a smart and savvy way to use debt for your ultimate gain.

First, you must use debt optimally.

To accomplish this, you must leverage debt to get a higher return on investment or ROI.

But if you have a negative relationship with all debt, then you won’t let leverage debt work for you.

When you don’t understand how debt works, you can’t use it to your advantage.

Listen to this episode to learn how to make leverage debt work for you.

Podcast Cheatsheet:

3 Types of Return - 3:15

The Goal of Leverage Debt - 3:46

Episode’s Rich Behavior - 7:35

Ready to Start Behaving Wealthy:

https://www.behavingwealthyacademy.com/roi-retirement-roadmap

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