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In this episode, I will talk about what you need to do to get ahead in your financial life. there are many things you should do to become very wealthy.

Things you need to do to become wealthy.

So, are you rich or should I say are you wealthy? Learning from Dave Ramsey and becoming a Ramsey Solutions financial coach has taught me a lot about the different ways and the different things you need to do to become rich or wealthy. There are steps that you need to take to bring more money into your life.

We live in a cause-and-effect world, what you plant is what you'll harvest. You can't plant beans and expect corn to pop up.

You will reap what you sow so if you plant stupid, you'll get stupid.

What you put into your life is what you're going to get out.

So through my studies and what I've learned there are things you need to do with money and time you will build A level of wealth 100% of the time. We cannot predict things that will happen to us such as car accidents, medical bills and things like that, but we can prepare and save up for them and overtime using the baby steps that we teach you will become wealthy. All these things I'm talking about are common sense. It's things that you knew already before you even started listening to this show. But I am here to help you remember them and to put them into action. But it is in you to make that decision. It's time to decide do you want to live the way you've been living or do you want to grow and become wealthier. You're going to keep getting what you're getting if you keep doing what you're doing.

You have to get out of debt, you have to get to the point where you do not owe anybody any money at all. This is the first step to paying yourself and giving yourself a raise. Your most powerful wealth building tool is your income. Think about where you would be if you didn't have any payments. Think about how much money you can save or invest every month.

Another part of getting out of debt that a lot of people don't realize is you need to have high quality relationships in your life. You need to be around the people that are going to help you win with life. Broke people tend to hang out with broke people rich people tend to hang out with rich people. And it's not about the money, it's about the attitude of life. Studies have shown that over a 10 year period of time your income will become within a 10 to 20% of the income of the average of your 10 closest friends. Because you will have the same habits that they do.

You have to save for emergencies. Things are going to happen; you have to be prepared for them to happen. If you save for emergencies, you will find that you will not have any emergencies. When something happens you just pay for it.

And you have to surround yourself with generosity. Generous people make more money. Generous people are happier and live more fulfilling lives. Generosity changes everything in your life.

Moving to financial piece by giving yourself a raise

Pay cash

Paying in cash activates the pain center of your brain. You feel the exchange when you pay with cash by paying with a card there is no sense of exchange. You give them your card and they give you it back with cash, you don't get it back.

Do a budget,

Today is the day you decide to do a budget, you can decide are you going to do it or you are not going to do it but you must do a budget, tell your money where to go. Keep track of your money and where it's going. You have to do a budget and it doesn't have to be anything elaborate, you just need to keep track of your expenses and what money is going out. I recommend that you do a budget on paper at least for your first six months. Now Ramsey solutions offers a free budgeting app called every dollar which is very easy to use and easy to keep yourself on track. There is a paid part of it that links up to your bank account, which helps even better but for now let's just stick with the free app. But working on a budget is the number one way that you are going to save money and by doing the budget you will actually feel like you're giving yourself a raise.

Look for deals,

look for deals, compare prices, You will find the same products in different stores costing different prices. A good example of this is Dollar General or even Aldi's. I shop at all this and find the same things I get at Kroger at half price. This could even be at different supermarkets depending on what part of town you live in. Compare quality (how long will this last). One of the top things that millionaires do is they don't rely on price alone they rely on quality. Think of it this way, is this going to last for at least six years? You may be able to find something cheap but it's cheap for a reason. Part of looking for deals is quality. Use your phone to check prices, make a shopping list. ask for the price match, if they won't leave the store.

Sign up for the store rewards programs.

This is a good way for you to save a lot of money because lots of times they offer you discounts or you get points for using their rewards program. A great example is Kroger's. When you sign up for the rewards program you can go online and load coupons onto that rewards card. And you can use those coupons for several purchases you'll just have to check with the program that you sign up for.

Check with your bank or credit union. I know that my credit union has a program that when you use their debit card you earn points towards different gifts and stuff like that.

You can also find websites or apps that you can use that will actually pay you money back if you buy things through their apps. Just look over the terms of use really good before you actually use them because some have hidden agendas. One of the ones that I used to use which I really need to look back into using is called Rakuten. they used to be called Ebates but changed their name. I did use them before and I did get actual checks in the mail. There are a lot of them out there I even heard one where they pay you to buy gas. It is affiliate marketing which is a good thing but just be careful just look over the terms of service real close.

Use coupons,

Use coupons, every penny adds up. This can go back to joining the rewards programs such as Kroger Plus card. And I know other stores have their version of that. You can go on their website and click their digital coupons and use them up to five times on a product. We have all seen the TV shows where the people buy tons of stuff and get it for free because of coupons. I look at those shows and consider them hoarders because they're buying 50 things of shampoo or stuff like that. But I know someone that does that and actually sells them in a garage sale. There's plenty of videos on YouTube you can look at to learn how to do couponing. There are a lot of stores that you would not realize actually do take coupons. Such as Family Dollar and Dollar General.

Shop secondhand shops,

I have seen secondhand shops of all kinds. When we think of secondhand shops we always think of things like goodwill but I've seen shops of all different kinds. Shopping secondhand shops, you can find great deals you can also find brand new clothing with tags still on them. clothing is a great deal at these shops. You'd have to look them over, but you can find clothes that are in like new condition. Believe it or not I know millionaires that still shop at secondhand shops. They find clothes that are in great condition or even new with tags. There are websites dedicated to buying second hand clothes. A great example is my sister's poshmark page. She sources high end clothing and sells it at low prices.

Eat out less.

Eat out less, you will save a ton of money if you eat out less. eat healthier at home. plan out your meals. make a plan before you go to the stores. Having a grocery list is just like having a budget for shopping. And you can use those coupons that we just talked about. Eating out less brings the family closer together. Actually, having dinner at home with everybody sitting around the table. People have started having dinner baskets that all the family members put their cell phones in so that they actually talk at the dinner table.

Do this and you will build up your bank account and become wealthy.

New Morning New YOU finding the time in the morning to change your life

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In this episode, I go over my recommendations for morning routines that I use every day.

Please set up your morning so it sets up the rest of your day. You have to put together a morning routine. Now we all have our morning routines, you may not realize it but you do the same thing every single morning. You wake up at the same time as you make the same movements every morning. After you get out of bed you take the same steps every morning. And you do the same procedure every morning. Well, you need to stop that and change it up a little bit. The first thing I recommend even before you get out of bed is to do some stretching. I've talked before about the type of stretching you should do. The best stretch in the morning is lay flat on your back knees bent and without moving your feet lay your knees to the left for a little bit then to the right for a little bit it. it doesn't matter how far you bend your legs you may only be able to go so far but after doing this a while it will get better.

Your morning routine is setting up your body how you want your body to be during the day. This also goes with your mind you have to start your morning on a positive note. One of the easiest ways to change your morning is not to hit the snooze button. The minute that alarm goes off don't hit the snooze button and go back to sleep you're setting yourself up for a sluggish day. Even if you have to just sit up in bed and tell yourself "OK let's go". By not hitting the snooze button you're giving yourself that extra 10 minutes every morning.

So, on your first thoughts. Of course, I recommend sitting up and doing your morning affirmations in my book but if you've already done that you know that the first thing you should do is be grateful for the day. Gratitude is a superpower. If you wake up and you're pissed off that you have to get up and go to work then the rest of your day will be filled with negativity. But if you wake up grateful that you have a day that you can get stuff done or look forward to after work where you can actually enjoy the day then your outlook on the day will be much better.

Your first step is to get out of bed and actually make the bed. It may seem like a small thing but psychologically when you come back at the end of the day to a nice fit bed you will actually feel better about yourself.

Second thing is to Do all your morning wake-up things such as go to the bathroom take a shower or wash your hair whatever you do, shave, or put on makeup. then go to your comfortable space. This could be anywhere in your house where you are comfortable. for some people, it is a big pillow in the corner or a sunroom or just a chair in your living room. This would be a good place to do your morning affirmations but you also want to just sit there quietly and do a meditation. This could be a 5-minute meditation where you just sit and relax before looking at your phone or turning the TV on. this will set you up for a relaxing day and lower your stress levels. And puts you in a proactive instead of a reactive state of mind.

You will find by doing this you're not jumping out of bed and rushing to get to work. You get up relaxing and then just leave for work. You will feel so much better and more productive. As you do this your body will actually produce more of the good chemicals in your body, this will also lower your blood pressure, your heart rate, and your overall stress rate. This is why I set my book up the way it is you're actually training your brain to think and feel differently. You're rewiring your brain to think more of a positive mental attitude than a negative mental attitude.

I've mentioned this before there's a section in your brain called the reticulating activating system that tells your brain what is important and what to focus on. So, if you focus on the negative your brain will only show you the negative if you focus on positive and positive motivation your brain will lean more towards the positive aspects of life. It's like when you buy a new car (this is the easiest way to put it) you start noticing the same car all around you. Those cars have always been there but your brain didn't see them because it wasn't important. It's just like when you go to find something you keep telling yourself that you cannot find it you'll find that you can't find it. Then if someone comes into the room looking for the same thing it's right in front of you. That's because your activated reticulating system actually blocked your mind from seeing that.

morning routine

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Breaking Your Addictions, you don't know you have

In today's episode I would like to talk about addiction. If you look at society as a whole these days, it's very easy to draw the conclusion that almost everyone is addicted to something. There addictions can be their phones, Facebook, drama, alcohol online pornography, drugs or whatever it might be. So, what can people do to try and break free of their addictions? I think that we've been programmed and it's not a good thing or a bad thing, it's just how we've been programmed. Behind every addiction there's an emotion that the person is doing their best to regulate so let's just say a person has been exposed to a trauma. Then we have an event in our life that changes our emotional state to a stronger emotion. The brain Captures that thought as a photo or a freezes frame That's what we call the long-term memory. Long term memories so we remember the feeling associated with them. So, what most people don't know is that trauma or the series of events alters our internal state, and every time we think about or remember the trauma, we produce the same chemistry in the brain and body as if the event was occurring now. The brain is so objective that it doesn't know the difference between the real-life experience that's creating. That motion or the emotion that person is fabricating by thought alone. It only takes a thought and a feeling an image and emotion of stimulus and response and you're actually conditioning the body subconsciously into that emotional state, and that sets the baseline of that person's emotional state so then the person goes "God I feel empty I feel anxious I feel unworthy I feel resentment I feel frustrated, and I don't know how to change it". So then they look for things in their outer world to make that feeling go away. This can be any emotion or stimulant there use to such as, video games, Drama, Fighting, or complaining. It can also be a drug or alcohol. it's doesn't matter what it is. When they take the recreational drug or do that addiction, they notice a change in their emotional state and the moment they notice that change in their emotional state they associate that change with what caused it. They remember what caused it so that start to create a dependency. There are degrees of addiction, some are very physiological. Receptors are modified but when you get right down to it. An addiction is when the body has been conditioned to be the mind. Every time the person starts feeling emptiness or the unworthiness. They feel the frustration, they feel the anxiety their brain creates the image of what they need to do to make that feeling feel normal. Just like the last series of times it was that substance or activity that made it go away. The problem is, (let's use gaming as an example) OK so when you break through a certain level you get points for whatever you're doing in a game. When this happens, there's a release of dopamine in the brain and dopamine is the reward chemicals. It is a pleasure chemical. As this happens the amount of dopamine that's released in a very short interval of time is outside of normal. With the rush dopamine into the brain and the receptor sites the cells say this is way too much dopamine that I'm used to processing the receptor sites actually closed down they shut down. So now in order for the person to get that same feeling they have to play more they have do more. The next stimulant has to be greater and over time we start recalibrating those pleasure centers those receptors to a higher level. The significance of that in the absence of that stimulation into our pleasure centers has been razed to such a high level that we can't find pleasure in anything, and we have to keep doing those things to keep us feeling "normal". We also have to keep doing those things at a higher level to "feel normal". We have to search out those things such as drama. We also feel the need to try to get other people into how we feel to re-ensure that we are right in the way we feel. If we do not reprogram our thoughts, we will keep the high levels of chemicals in the body, and this will kill you. Your body breaks down over time and you find yourself basically falling apart. Your health goes downhill and faster than you can imagine. You find yourself gaining weight or having physical health issues. Witch brings you down into a worse state.

So how do we break those patterns. There are many ways, but the main thing is to just start. You might find that the way you are trying doesn't work. So, you just try something different. You will find that your addiction shifts to your new way of thinking. You start feeling better. you start noticing things different. You start feeling happier and you feel more energy.

Some of the techniques are meditation, Yoga, or even something as wild as Primal scream. But I suggest you just do simple things to start such as walking I the park. things like journaling the positive things you can think of at that moment. It is going to feel weird or ridiculous at first but it's breaking the patterns you have made for years. It's going to take time and hard work but in no time at all you will start feeling and seeing the change. You will feel better emotionally. You will notice you're not getting sick as often or having health issues. Remember your body can produce any drug that you can subscribe to. I'm not recommending you stop your medications, but you will find that after a time you may not need them, or you can lower the dosages.

I also recommend that when you start making these changes keep track of things. One great thing is taking a series of photos of yourself. Make a "how I feel" journal. These are not to show anyone. But after a few years you will look back and see how much you accomplished. You will be shocked and then maybe you can share them with the world. Think about all the before and after photos you have seen and think about how you think when you see them.

Let this be your future. The time to start is now. You can do it and you will make a better life for yourself.

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What is your life going to look like in 6 Months?

This show was inspired to me by Coach Rob Dial.

You have 6 months to become wealthy and have the life you dream of. It's time to start now. Stop all the excuses. Stop procrastinating. Stop the self-dough and imposter syndrome. Stop self-pity. It's time to move out of the crap life you are in and make a drastic change. Look at where you are right now. Look at the drama you're surrounded by. Look at the shitty people (family friends or coworkers) around you right now. The people that keep you at or below them. If you think I can't or what if. You're wrong. You can and yes it will.

Know what you want.

What do you want? Do you want to become wealthy? Do you want a new career? Do you want to become your own boss? Are you working at a job you hate?

So what is it that you want? And are you willing to do things to make that happen? I know you can. So this is the plan that will change your life in 6 months.

Remember if you're working for someone you have a price cap on your life. Right now, you can't make more than what someone is willing to pay you. But right now, you can change that. Or you may not even have a job. You have 6 months to change that. Now is also the time to dream big. If you're not dreaming big you're doing something wrong. I want you to dream big and figure out where you're going to be and what life will look like 6 months from now.

You need to get Gezel intense about what you want. You need to have the exact thing in your mind that you want. Do you want a bigger bank account? Well, how much? Know the exact amount you want. Do you want to start a baseness? What kind? How much revenue? What does your customer look like? What product are you selling?

There is a thing called future passing. We have talked about this many times. Think of what your life will be like in one year. Write this down. Describe in extreme detail everything about your life and how it will be as if you living that life. All this is finished and you accomplished it and you live that life. Put down on paper every detail. Be specific, live like you're going to even before you have done it.

Now that you have them down. Put them on a wall or in a place you can see them every time you wake up. Every day you will look at them and read them.

Map it out.

We have talked about this before. You have 6 months. It may seem like a long way off. Or you might be thinking it's too short. But think of this. Think about how many times you think that time flies. It does, and before you know it will be that date that you wanted to accomplish the goal. It is not that long.

Plan the steps

So you need to figure out the things you need to do each month, week, and day. You must focus on doing those things every day. Work backward. What is the end goal? Now brake that down into 3 steps to get to it. Now break those down into 3. And if you have to break those down. You need to know what you're going to do every day. What small thing is it going to take?

Execute the steps

The first thing to do is to disappear. This is the same as when you're in Baby Step 2. You need to completely disappear. This means you will become the person that doesn't go out to dinner or doesn't go to sporting events (unless they're your kids and they're free) You're not going to see the inside of a restaurant unless you work there. But in the context of getting what you want, you need to take the next 6 months and completely focus on your end goal. By disappearing you are doing nothing unless it helps you reach that goal. This means making your friends think you lost your mind. This means you will have to tell your family and friends, No. No, I can't do that I am focusing on my new life. For the next 6 months, your life is nothing but the steps to getting that life. This means your coming home from work and do nothing. You lock yourself in your house and do what it takes. And nothing else. Now your family and friends won't understand but don't worry about them. You are working on yourself. You are more important than pleasing them.

Learn How

As your doing this think of something that you can learn to help you in this journey. The resources are endless. But I want you to learn a skill. Whether it's painting, money management, or selling whatever it is that helps with this goal. In the next 6 months, you will become an expert in that field. And there are many outlets you can learn these skills for free. YouTube, the library, and the internet. Also, you need to learn ways to make money. You need to learn the websites and how you use them to make money.

Make Money

There are plenty of sites to make money at. EBay, Etsy, Craigslist, fiver, or even selling on amazon. But you need to know all the ins and outs of selling on those platforms. This is a job in itself. But it's a must. This can also be things like Writing articles for money, you can write ads, you can edit podcasts, or being a tutor for someone. Whatever it takes to make money.

In these 6 months, you constantly learn and get better. You will mess up but that's still leaning. But day by day as you are locked away doing it you will become better and better and emerge the expert. And make a lot of money, and change your life.

Make it a way of life

You have to keep asking yourself, "is what I'm doing right now getting me closer to the goal"? if the answer is no. Then you need to change NOW. Only do the things that will get you to that goal in the next 6 months. Nothing is more important than this. Doing the steps every day and 6 months from now you will be that new you. You will have the dream. It is hard but you will have and be that person everyone is dreaming to be.

Don't worry about what people will think. If they are the ones you should have in your life, they will encourage you. If not then there holding you back. Take the time to think of yourself. It is not selfish. You must change and grow. You must become that person you dream of. Everything will be the same in 6 months except you. If you think that your family and friends won't be there, they will. Think about 6 months ago. What was it like and what changed since then? What were you doing? Time flies so the time is now. Today. This minute. Decide to make the change. If you don't you will be thinking and saying the same thing 6 months from now. You will still be stuck in the same day-to-day. So, I challenge you. I challenge you to be completely different in 6 months. I challenge you to do it. Don't let a second go by without you changing. Set the goal NOW.

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In this episode, I will talk about how to feed and maintain a good healthy brain diet

33% Your memory is controlled by genetics. This is the other 2/3rd we are talking about. You have control over these 10 things. Let

Rat yourself on a scale from 0-10 on how you are doing in these aspects.

How are you doing in each category?

1. Good brain diet.
2. Automatic Negative Thoughts.
3. Exercise
4. Brain nutrition
5. Positive peer group
6. Clean Environment
7. Sleep
8. Brain Protection
9. New Learnings
10. Stress Management

1, A good brain diet

hear are some good foods to feed your brain. Avocado Blueberries Eggs, Coconut Oil, olive oil, green leafy dark vegetables, salmon, Turmeric

2. Automatic Negative Thoughts.

Stopping your automatic Negative thoughts, stopping your negative self-talk. Self-harming thoughts like, "am I getting too old to do this", or why can't I do this? If you ask, why can't I, you cant. If you tell yourself, you're unable to do something you won't do it.

3 Exercise

Non-general movement. Getting up and moving. Doing a steady focused repetitive movement to build and burn. The number one function of your brain is to control movement. We live a sedimentary life where we need to tell our bodies to move. Moving your body stimulates Neurogenesis and builds neuroplasticity.

A big thing now is our kids. Kids are not moving as much as they should. We are taking outside playgrounds away from the kids. We are allowing kids to sit for hours every day and do nothing but sit on their electric devices. Sitting is the new smoking. A great example of this is, looking at the photos from the past. How many fat people do you see in those pics?

4 Brain nutrition

Supplements and Vitamins, we do not get the right nutrients from the foods we eat.

There are several different kinds of supplements. But you really need to get the right ones for your genetics. this is where you should go to your healthcare provider and get, Hormonal test, full spectrum test, food sensitivity test, and or a Pharmacogenetic test done. Talk a few people about this. Such as health food stores and even a brain therapy clinic.

Most doctors say the most important is DHA. DHA is

1. Positive peer group

How inspired, encouraged, and challenged are you and your close friend? How do your close friends Inspire, encourage and challenge you, in a good way? Do you inspire me to be like them? Are you challenged to become a better person because of them? These are the people you choose to have in your life. Not your family. Although some of us have family members you're inspiring to be like.

1. Clean Environment

How clean is your environment? Your home, workspace, where you spend your time. Your external world affects your internal world. Think about how you feel after you cleaned your room or desk off. You suddenly have "clarity of mind". You are more energetic and you actually are calmer.

1. Sleep

How good is your sleep?

Sleep is more important than you think. You may stop when you're sleeping but your brain doesn't. This is when you're growing new neurons and synapsis. This is when your brain is processing and "cleaning your thoughts". This is when your brain is consolidating short-term to long-term memory. It's like when you work out. You do not build muscle when you're working out. You build muscle when you're resting. and your body is repairing itself.

During sleep is when you're cleaning out the plack in your brain. which leads to dementia and other brain injuries

1. Brain Protection

Are you protecting your brain? Are you wearing a helmet? but more importantly, are you protecting your brain from high levels of EMF? The levels of EMF have risen to a dangerous level in the past few years. Cell phones, Wi-Fi, earbuds. People, especially kids (90%), are sleeping with their phones under their pillows or inches from their brains. This is extremely dangerous. Keep your phone at least 3 feet away from you as you sleep. Even the new wiring in your offices is emitting high levels of EMFs.

1. New Learnings

Are you learning new things daily? Are you searching for new things and trying them? Doing new things or trying different ways to do things. Grow new connections in your brain. There was a study on nuns that found they lived longer and healthier than the average person. Why? Because they're constant learners. Reading every day. Their beliefs are in a higher power. And there are high levels of gratitude.

1. Stress Management

How stressed are you? This is both physical and mental stress. Stress is the number one cause of brain and body decay. When you are stressed you shut down Cortisol and adrenaline.

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In this episode, I go over the new year's fanatical steps. This is very important to start your year off in the right financial direction. Along with setting your goals and budget, you need to get these items in the order.

1. Organize Your Finances

Start by gathering information about all of your financial accounts so you can get a good idea of where you stand. This step can be easy if you have budgeting software or another system for keeping your financial plan organized throughout the year.

Gather information about your bank account and credit card accounts, your savings and investment account balances, loan balances, insurance coverages, and every other aspect of your financial plan to better understand how you've spent, saved, and invested over the year.

1. Review Your Budget

Go over this past year's budget to see how you've spent your money. If you use a budgeting app, you'll be able to break down your spending by category to get a better idea of how well you did with your spending plan.

If your current budgeting methods and tools aren't working, look for a better way to track your spending, and if you don't have a budget, take the time to make one. Assess your income and expenses, look for places to save money, and revise your budget to reflect any changes to your income or expenses in the new year.

1. Plan for Upcoming Expenses

If you expect to have one or more large expenses in the coming year, create a plan to save up so your budget won't take a major hit. This may include moving costs, medical procedures, a vacation, or other large expenses that you know about and can plan for.

1. evaluate your baby steps.

Where are you in your baby steps? If you are in step 2 how can you do better to finish this step? Same with step baby step 3.

1. Assess Your Savings

Start by evaluating your emergency fund. Financial experts recommend maintaining a large enough safety net to cover three to six months' worth of expenses but base your evaluation on your needs and preferences.

If you haven't reached your goal for emergency savings, evaluate and adjust your plan to continue building up this important safety net. If you don't have an emergency fund, start one.

1. Pay Down Debt

Review your debt situation by listing out each credit account, along with its balance, interest rate, monthly payment, and time left on its repayment term.

If you already working on your debt snowball, assess it to see if you're still on track to accomplish your goal.

If you're struggling to keep up with your debt payments, consider contacting a credit Financial Coach.

1. Prepare for Tax Time

Start by gathering the documents you need to file your taxes, including last year's tax returns, receipts for applicable charitable contributions, business expenses, medical costs, and child care expenses, educational expenses, and other tax-deductible transactions.

Also, watch out for tax forms from your employer, bank or credit union, and other applicable entities over the first couple of months of the year.

1. Examine Your Insurance Coverage

Gather details about each of your insurance policies to evaluate whether you have enough coverage for your needs. You may also consider adding new coverages to get additional protection for your financial plan and your loved ones.

Make sure your life insurance policies list the correct beneficiaries and look for ways to reduce insurance premiums, such as dropping unnecessary coverage or increasing deductibles.

1. Review Your Retirement Accounts and Other Investments

I recommend saving 15% of your gross income toward retirement, so review your savings rate to determine whether you need to make adjustments. If you have a 401(k) plan and your employer offers a matching contribution, make sure you're getting the maximum match amount.

Once you match your employee contribution put the remainder of the 15% into a Roth 401K.

Set up a meeting with your retirement broker to go over your account.

1. Make or Update Your Estate Plan

An estate plan may include a will, a living trust, a living will, a health care or financial power of attorney, and a plan for your funeral arrangements. Make sure your estate plan lists the correct beneficiaries and that your documents are in a safe place. If you've had major life changes since creating your plan, update it accordingly. If you don't have an estate plan, create one. You can go to daveramsey.com for help.

1. make a legacy box.

This is also known as a firebox. Things to keep in the box

Cover letter explaining the power of atony

Extra Keys

Will and Estate Plans

Financial Account Information

Funeral Instructions

Insurance Policies

Important Documents

Monthly Budget or list of debtors if you have any

List of monthly expenses

Tax Returns

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In this episode, I talk about your new year and how your goals and accomplishments will set you on a path of wealth and happiness in the next year.

Challenge

Put 3 boxes in your Utility or back room. Label them Donate, sell, and trash. The last one is "trash" you can either just throw things out as you go or make a box labeled "trash. This one will have mixed feelings. Some people need to throw the items out right away or they will find themselves going back and rethinking the items. This is bad. So, if that's you, just though them out.

Every day find one thing you can either Donate, Sell, or trash. Just one, but this soon will turn into 2, 3, or more.

One thing I have done is every time I open my junk drawer, I have to throw something out. This worked great.

Get the clutter out of your life. This can be household, finance, or people.

Now is the time to get more organized. Now is the time to make the changes to make this your year of profit. Think of what you want to accomplish in the next 12 months and formulate a plan to accomplish it. You have 12 months to do it. What can you do each month to accomplish it? What can you do each week or day?

Do your year in review. What did you want to accomplish? Did you get it done? If not, what has kept you from doing it, and what was the next step so that you can accomplish it?

Here are some questions you should ask yourself.

1. What were your plans/goals/dreams for these past twelve months? Evaluate how they went.

Under this question, I list any goals you have made at the start of the year or throughout the year. Then I evaluate how they went.

If you didn't reach a goal you'd hoped to achieve, you can take a step back and evaluate why that happened. Think about what you can do to incorporate the changes to your day-to-day so you can accomplish your goals.

1. What skills did you learn this year?

It's said you should learn one thing every day before you go to bed. I agree with this. But as we know sometimes you can't accomplish this. But in reality, you can. Even if it's one small thing. Remember each small thing leads to the big thing at the end of the year.

1. What were several highlights of the year?

In the last few years, we have been thrown a lot. This has brought with it a lot of sad and depressing feelings. This of what you are happy and grateful for. Don't focus on the negative. If you have a negative thought, put it aside and think of the good things you have done in the past year.

1. What did you accomplish this year that you're most proud of?

You had goals, I know you accomplished some of them. What were they? How does it make you feel now that you have done them? Be proud of what you accomplished.

1. What went well? What didn't go well?

It's important to think of what you did and didn't do. It's okay that you didn't finish or accomplish that goal. Now, what can you do to finish it? Shat baby steps can you do and how long will it take?

1. What was the biggest thing you learned this year?

What's the takeaway? What did you do and how do you feel? As you think of #4, what are you proud of? What can you scream from the roof to the world? Be proud of yourself and be proud of your accomplishments.

Now is the time to rethink your goals for this year, and to set new ones or how improve on the ones you have accomplished. You can do this and you will make your life better every day.

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In this episode, I change things up a bit for Christmas. Let's have some fun and talk about Christmas Traditions from around the world.

Here are the ones I am talking about.

Japan: All I want for Christmas is… KFC

Forget the Christmas turkey. For many Japanese, the traditional Christmas dinner is Kentucky Fried Chicken.

Due to a combination of tiny Japanese ovens and a clever marketing campaign convincing locals that fried chicken is a traditional American Yuletide feast, reservations have to be made to eat at a KFC on Christmas Day.

During the run-up to Christmas, Colonel Sanders statues outside KFC's Japanese outlets wear Santa gear. The chicken is served in special holiday packaging.

Demand is such that an online service has been created: order your Xmas Family Bucket in advance and have it delivered.

Norway: Hide your broom

Norwegians believe that Christmas Eve coincides with the arrival of evil spirits and witches. It is only logical then, that Norwegian householders hide all their brooms before they go to sleep.

After all, nothing spoils Christmas quicker than finding your broom in broken pieces at the foot of a tree, trashed by some joy-riding witch.

Caracas: Get your skates on

In the week leading up to Christmas, Venezuelans attend a daily church service called Misa de Aguinaldo (Early Morning Mass)

Indeed, so widespread is the practice, many roads in the capital are closed until 8am to provide Christmas worshippers with a safe passage.

Austria: Facing your Christmas demons

In Austria, St Nicholas has an evil counterpart called Krampus. He is the bad cop to St Nick's good cop, a demon-like creature with one task: to punish bad children before Christmas.

Men dressed in devil costumes roam the streets, carrying chains and a basket for abducting especially bad children and hauling them to hell.

It's certainly one way to keep the kids off the streets.

Catalonia: Pooping their way through Christmas

Locals in Catalonia create a character out of a log, drawing a face on it and giving it a hat. Then they spend a fortnight 'feeding' it fruit, nuts and sweets.

On Christmas Eve, the entire family beats the log with sticks and sings a traditional song that translates to 'if you don't crap well, i'll beat you with a stick' until the log excretes all its treats. It's hard to comprehend why this tradition hasn't caught on elsewhere.

They also decorate their nativity scenes with small, pooping, ceramic caganers (figurines). Usually well-known characters, often drawn from that year's news, the figurines always have their pants around their ankles.

Guatemala: How clean is your house?

In Guatemala, cleanliness really is next to Godliness. Locals believe that the devil and other evil spirits live in the dark, dirty corners of your home.

Therefore, they spend the week before Christmas sweeping up, collecting rubbish and then piling everything in a huge heap outside. Finally, an effigy of the devil is placed on top and the whole thing is set on fire.

It's called La Quema del Diablo, the 'Burning of the Devil'. The idea for Guatemalans is to burn all the bad from the previous year and start a new year out of the ashes.

Ukraine: Deck the halls with… spider's webs?

In addition to the standard tinsel, fairy lights, and baubles, Ukrainians like to throw an artificial spider and web on the tree as well.

The tradition has its origins in an old tale of a poor woman who couldn't afford to decorate her tree and woke on Christmas morning to discover a spider had covered it in a glorious, sparkling web.

It's for good luck. It's not about poor housekeeping.

Czech Republic: A pair of matchmakers

On Christmas Eve, unmarried Czech women stand with their backs to the door and toss one of their shoes over their shoulders.

If it lands with the toe facing the door, it means that they'll be married within the year.

If it lands with the heel facing the door, they're in for another year of watching Bridget Jones movies. Perhaps it's better than marrying a heel, though.

Germany: Fill your boots

On the evening of 5 December, German children leave a boot or a shoe outside their bedroom door.

In the morning, if they've been good, they will wake to find the shoes filled with sweets. If they haven't, they will find only a branch.

Obviously, it is best to leave out the newest pair of shoes you own – preferably, fresh out of the box.

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In this episode, I talk about the importance of talking to your friend, family, or life coach about your feelings and emotions. With the recent death of Stephen "tWitch" Boss, suicide is in the news. But during the holiday season depression is at its highest level. Please take the time to talk to someone.

I also go over what it's like to be in a coaching session and some of the questions I may ask you.

988 Suicide and Crisis Lifeline

Hours: Available 24 hours

Stephen "tWitch" Boss, the dance superstar who was a regular DJ on "The Ellen DeGeneres Show" and a contestant and judge on the dance-competition series "So You Think You Can Dance," has died. He was 40.

Allison Holker Boss, confirmed his death in a statement to People. The Los Angeles County Coroner's office confirmed that Boss died Tuesday at 11:25 p.m. in Encino, California at a hotel. His official manner of death was ruled a suicide, the coroner's office confirmed Thursday.

On August 11, 2014, Robin Williams was found dead in his home in Paradise Cay, California. The actor was discovered with a belt around his neck, and investigators later found cuts on his left wrist. Tragically, it was soon confirmed that Robin Williams died by suicide at the age of 63.

1. What's Standing In Your Way?

Asking this question will make it easier to navigate sessions if I can determine the roadblocks and hurdles. With this question, I will know whether their problems are about their careers, relationships, or personal matters. The answers you get from this question will help you work with your clients toward solutions that are geared specifically for them.

1. Can You Tell Me More?

When asked at the right time, this question can also show your genuine interest while providing a sense of safety and comfort, which encourages you to open up throughout your sessions.

1. What Are Your Biggest Fears?

The fears that your clients have can become the reason why they'd feel stuck in life. Instead of climbing up the professional ladder, their fear of rejection will likely prevent them from even trying.

1. Are You, Happy, Right Now?

Despite the unpredictability of life, happy life is something most people strive for. Regardless of their situation, learning how to be happy and having a positive mindset is so important!

1. What Does Success Look Like?

This question is important because it helps clients put their goals into perspective. With this question, you can encourage your clients to get out of their hands and verbalize their definition of success. This question will also motivate them to articulate what they want to explore in life and start taking action to reach their specific goals.

1. How Would You Describe Your Previous Year?

For you to better understand your clients and their frustrations in life, it's important to not only know their present state, but also the information relevant to what they're dealing with.

his particular question actually has two purposes – it can allow you to better understand the occurrences in your client's lives, and will allow you to dig deeper into their mindset.

1. What Do You Want To Accomplish In The Next Year?

It's important to ask your clients what they want to accomplish in the next year so you can determine what their life goals are. From there, you can create short-term goals so they can achieve what they want for the next year and grow.

1. What Things From Your Daily Life Make You Happy?

Life is generally challenging, but there are always things that can help improve your client's happiness and stress levels. When working with clients, ask them about the things that make them happy. Their answers to this question can help them realize how fortunate they are, what their priorities are, and if they need more of this thing in their life.

1. What Are You Most Of Proud Of?

At times, clients seek the help of a life coach because they struggle with their sense of value and worth. This can be especially true if the client is currently experiencing a dead-end in their career or personal life.

To encourage your clients to think more positively, ask what their achievements are and what they like about themselves (sometimes having to ask what their friends like about them). Doing this during your session is a great affirmation that can help clients realize that they are worthy and loved.

1. What Do You Want?

Even after hearing some of your client's problems or concerns, it can be tough to create solutions if you don't know what they really want. Regardless of how common you think their problem is, your clients might want something totally different than expected.

Asking clients what they want can help them focus better, as well as achieve balance and peace of mind.

questions to reflect on as a life coach

1. What Have You Done To Solve The Problem?

Humans often will look for solutions on their own the moment they see themselves struggling. However, there will be instances when their solutions don't provide their expected results, regardless of how many times they've tried.

To help them, make sure to ask the solutions they have used in the past, and if these worked or not. Asking this question is usually enough for you to determine why it wasn't successful and allow you to work with your client to create better solutions.

1. If Your Main Problem Didn't Exist, How Would Your Life Look?

It's common for clients to have major problems in life, but they often tend to focus on the negativities and completely forget about the good in front of them. Instill optimism in your clients' minds by asking them where their lives would be if their main problems didn't exist.

1. What Do You Need Most Right Now?

Life can get stressful, and not knowing what your priorities are can make it worse. Without establishing priorities, clients might see themselves running in circles, attempting to do countless tasks at once.

Asking your clients what they need right now is essential because it helps them prioritize the things that are truly important. When priorities are set in place, your clients can begin to accomplish one task at a time.

1. What Is The Most Important Thing In The World To You?

This is a question that can help your clients know more about themselves and what their core drivers are. When your clients know what drives them to move forward, it'll be easy for them to focus and attain sustainable success.

1. What Hasn't Been Working For You Today?

If you want to help your clients solve their long-term problems, it's vital to start small and make them realize what their day-to-day problems are. Starting small can be very advantageous as this can make the task less daunting and stressful for your clients.

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Saving money during the holidays.

During this time of your, you can empty your bank account and not even realize it. You want to be the one that makes everyone happy. Well, it's time to think about yourself. This is not being selfish; it's just how you need to think so you can still pay off your debts and make yourself better for a better future.

You might get caught up in the spending fever during the holidays, but you really have to stop and think.

There are so many ways you can save money during the holidays and make yourself feel better doing so. as we go through this journey of your year of profit. you might not be able to satisfy everyone, and that's ok. You live like no one else now so you can live like no one else later. This is not the time to get into your emergency fund to buy gifts. Christmas is not an emergency. It happens every year. set up a budget for Christmas. Do you remember the Christmas clubs that you could get to at your bank? Well, you can do that on your own. Even if you set up an account you call Christmas. Think about what you truly can spend on gifts. budget it out monthly and add that amount to it every month. Don't get stuck choosing between paying bills or buying that toy for the kids. It is a real thing people go through every Christmas. People get behind on their bills because they feel it's more important to buy gifts for others than keep their lights on. People are afraid of hurting someone's feelings. You have to break out of that thinking and help yourself first. I know it's going to make some people upset but that's too bad. You must think of yourself first. Now it's different if your kids will go without gifts if you don't clean out our bank account. There are so many places you can go to for help. There is no shame in asking for help. Holidays are the number one time for a spike in depression cases. You're not alone if you feel that way. There are people out there that can help you.

Put an Inexpensive Bow on the Holidays

It's time to put a bright bow on your budget!

Are you ready for the upcoming holidays? Although November 27th is the traditional kick-off of the holiday season, decorations of all kinds are already flooding the retail stores and advertisers are working hard to put us in the "spending mood" earlier and earlier every year. This creates an opportunity to make a spending plan that will get us through the season and help keep it meaningful.

The best Christmas gift is The 14-Day morning Affirmation Transformation.

Do a holiday Budget

set the budget up with a column for our estimated spending and a column to track how much we actually spent. One goal may be to underspend what was budgeted for a category. It is always a great feeling to save money!

Set a limit. Determine how much money can be budgeted for holiday shopping. This is the key to avoiding debt and ensuring there is money available for normal monthly expenses.

Plan shopping trips. If you are going out, know where you are going and what you intend to buy when you get there. This will save you time, avoid traffic, conserve fuel, and leave more time for the things you would rather be doing during the holidays.

Decorate with style. Look around your yard or the local park for branches, leaves, etc. that can be used to create a holiday atmosphere. Also, some ribbon and a string of lights can go a long way in making an area feel festive.

Do your research! If you know you want to buy a particular product, check the internet to find out if a retailer has it on sale. Find out when the stores are having their largest sales. Focus on FREE shipping opportunities, too. A great sale may be worthless if the shipping is expensive.

Put it in your cart (online). As the holiday season progresses, retailers often turn to bonuses like free shipping or reducing the cost of items. This can save a lot of money. Be aware that a sought-after item may increase in price due to demand.

If you are hosting a holiday feast, turn it into a potluck! That way everyone can enjoy each person's favorite dishes.

Focus more on spending time with family and friends. People usually remember time spent with family over what gift they received. Homemade goodies like cookies and fudge or family favorites are always a good idea. They can also be delivered early and enjoyed throughout the holiday season.

Homemade gifts can also help save money and hold a lot of sentiment. Perhaps a drawn picture in a frame (inexpensive from a dollar store or the like) or a list of your favorite memories with the person, also served up in a frame.

The gift of time and talent. Offering to assist a friend or family member with a project can also be a wonderful gift.

Make a shopping list (and stick to it)

After you've set your holiday budget, make a list of all the people you want to buy gifts for Focus on how much you can spend on each one, not on what you want to buy.

If the list is too long for your budget, go through it again, and pare names or spending amounts. One of the easiest ways to trim your budget is by trimming the list of people you're shopping for.

Add your name to the gift list

This might sound selfish, but it's psychologically effective: Add your name to the gift list.

Sometimes, you buy something for someone that you like so much, you wish you had kept it. The best antidote for that is to allow a little extravagance for yourself — especially if it's on sale.

Pay cash

One way to avoid holiday debt is to pay cash for everything. Once your holiday budget is finalized, take that amount of money out of the bank and stick to your spending plan.

Once that money is gone, you're done shopping.

Of course, you can't use cash for shopping online. In that case, use a prepaid card. You can buy prepaid cards at Walmart, convenience stores, and many other retail outlets.

Prepaid cards limit your spending to the amount that is loaded onto the card. If the card is loaded with $500, that's all you can spend.

Prepaid cards are a great tool for tracking and limiting your spending. Just be careful of reloading fees and other charges.

Give the gift of your time

If you want to give someone a gift but can't afford to buy anything, consider giving the gift of your time. You could babysit or walk the dog for a friend with an overloaded schedule.

An elderly relative might appreciate someone to run errands, do housework or take them to an appointment or out for a meal.

Handmade gifts are nice, too. If you're already baking cookies for your family, making an extra batch for someone on your list is pretty cheap.

Thoughtful gifts outshine expensive ones

Some people are hard to buy for. They've reached a point where they have everything they need, which gives you an opportunity to be creative and come up with a thoughtful, simple gift that is also inexpensive.

It could be a framed photo of a special memory, an engraved letter opener, tickets for an event or show, a decorative pillow or something beautiful from a local antique mart or flea market.

Take advantage of Free Shipping Day

Free Shipping Day is Dec. 14 this year. Hundreds of stores offer free shipping with no minimum order, plus other special deals.

If you're planning to buy most or all of your gifts online, buying them online on Free Shipping Day can save you lots of money. Visit the Free Shipping Day website to see the complete list of participating companies.

Use apps that can save you money

Take advantage of technology this holiday shopping season and use one of the many budgeting and money-saving apps.

You can use apps like RetailMeNot, Honey, and Rakuten to get cash-back deals and discounts automatically when you shop online.

Just be aware of items that may seem like a bargain but really aren't. Some doorbusters or other sales are designed to get customers to spend. Be sure to check prices using your phone or computer to make sure you're really getting a bargain.