May 2017 - Smart Money Seed

5/25/17

Why We All Need To Start Talking About Money

5/25/2017
Some things in life are best kept a secret. We're all entitled to share or not share whatever personal details we want. In fact, deciding the right balance of what to share and not to share can be a pretty difficult task.

Sure, like most things in life, you have your extremists on both the over-sharing and under-sharing ends of the spectrum. We all have those Facebook friends we went to high school with who love to inundate our feeds with pictures and videos of every movement their newborn makes, pictures of handfuls of money from their pyramid scheme success stories, and worse yet, constant badgering to read their personal finance blog.

For every over-sharing extremist, we could probably point to somebody that we should probably check up on to make sure they're still alive. They show no signs of life beyond the annual Thanks everyone for the birthday wishes! It was a great day! This is generally how we as a society have treated finance as a discussion topic. It's traditionally seen as a taboo topic that's too personal to talk about with our friends, families, and sometimes even our significant other.

I think that's bull shit. And I'm here to put an end to it.

Money doesn't have to be a secret! 


Money Makes the World Go Round

Okay maybe money doesn't actually physically make the world go round. I'm pretty sure it's gravity. Come to think of it, why the hell would gravity make something spin in a circle? Shouldn't it just pull
everything straight down? I'll have to run that by Max. I'll keep you all posted.

ANYWAY, money is so prevalent in all of our day to day lives that our society literally could not function properly without it. It affects us all on a deeply personal level, and it affects us all in aggregate to some extent through economic trends. Just take a walk down the street, and you could probably have some idea of the people you could learn a thing about money from and who could stand to learn a thing from you.

You might have a little more insight to assume how money is affecting your friends, family, and significant other. Do they seem to be winning with money, or do you have to bite your tongue to stop yourself from offering some financial advice they clearly seem to need?

What if you didn't have to bite your tongue? What if your relationships with those people offered you the opportunity to learn from them and offer advice?

I've always had a really open relationship with my parents that allowed me to openly discuss money with them. As I've gotten older, my parents and I have even begun discussing specifics with each other regarding dollar amounts and short and long term strategies for saving and investing. I have learned so much from my parents about money, and I think they've even learned a thing or two from me over the years.

My friends have started to open up about money with me especially since I began publishing this blog. I still just speak in generalities with most of them, but I do get somewhat specific with some of my closer friends. But I have this nagging thought in my mind, what if I could discuss financial specifics with all of my really close friends? Imagine what that could do for our financial lives! Let's take a look at the benefits.

     1. Accountability

Telling somebody else what you're planning to do has a way of inspiring us. Even if our actions don't really affect that person, we're motivated to keep our word. One of the worst feelings for me is having to tell somebody that I dropped the ball or forgot about something I told them I was going to do. If that person asks how that thing is going, I want to be able to give them some good news.

I built some accountability into my financial life by telling Amanda and my parents that I was going to pay off my debt before moving out of my parents' house. Even though I knew paying off my debt would propel me toward financial success, that didn't exactly make spending about $25,000 in one day an easy task. Once they knew I clearly had the money to pay everything off and have a little left over, they started asking me periodically when I was going to make the leap into a debt-free life. Ultimately, that feeling of holding true to my word is what pushed me to make that leap.


     2. Competitiveness

Christian and I sat in his living room one morning before our re-launch and in an effort to find our identity, we brainstormed our similar characteristics. One of the recurring characteristics that seemed to feed a lot of the other actions and tendencies we discussed was competitiveness. We grew up playing sports together mostly on the same teams, and just like our high school English teacher Mrs. Bower liked to remind her students, we grew up competing with each other academically. We would also compete with each other and the other drivers at Home City Ice to see who could get their route done the fastest and sell the most ice. There was always a little extra satisfaction when one of us could prove to be the best at something even if only for a short period of time.

We absolutely wanted success for each other and all of our friends. We would collaborate at any given opportunity on sports teams or class projects to help propel each other to success. Nobody wants to be the weak link, so working on a group project with other intelligent and hard working people just propels us to work that much harder to drive value for the group. 

This competitive fire can also apply to personal finance. If we are open with our friends about our financial goals, we can use that fire to drive ourselves and each other toward success. You wouldn't want to knowingly sit back and watch all your friends paying off their debts, saving for vacations or homes, or setting themselves up to be millionaires in retirement while you're mindlessly spending money with no plan or path towards success. Share your goals, talk about how to achieve them, and use the success of your friends to propel you towards your own success. This is the most positive application of the phrase keeping up with the Joneses. 

     3. Information Sharing

Chances are, we all have somebody in our lives that knows more about money than we do. Even if you are a financial savant, there's probably something you could learn about some financial topic from another person in your life. Maybe you have a friend who studied finance in school and could break down investment opportunities with you or a parent who could give you feedback on your ideas based on their experiences over many years of their life. Most of us could point to someone who could teach us something about personal finance if we just talked to them about it.

 Christian and I each have our different strengths when it comes to personal finance, and we complement each other well. Christian has a lot more technical knowledge and knows about the theory behind different financial topics, and I tend to focus a little more on current trends and hot topics. We both cross over to the other person's area of strength on our own, but our best way to learn is to have open conversations and ongoing dialogue with each other.

     4. Interesting Conversations

I love sports. I love watching sports, I love thinking about sports, I love reading about sports, and I love talking about sports. But if the Indians had yesterday off, I don't have much to talk about with people I don't know super well other than the weather. I do not love talking about the weather.

Money has some effect on your life, and it has some effect on the lives of everyone you're talking to. I understand that not everybody would be interested in talking about money even if it were socially acceptable, but wouldn't it be a nice alternative to the weather from time to time if nothing else? And for the people you are closer with, you can really dig in, learn from them, and have passionate discussions and arguments with them about your theories and opinions. That happens some with politics today, so why can't it also happen with money? Maybe we wouldn't get so sick of political talk if we broke it up with some money talk every now and then.

Go Talk About Money

I challenge you to find someone or a small group to talk with about money. Be very upfront with them about your desire to open up that area of your relationship, and make sure they're on the same page. They might be a little uncomfortable if you just spring this on them and start talking about money. Find someone who will commit to opening up with you so you can both benefit from your conversations by learning from each other and holding each other accountable.

If you don't have anybody to talk to about money, talk to us! Leave a comment, message us on Facebook, or post on our page. We've been considering setting up an email address, so we'll definitely do that if a lot of you are interested in having regular conversations about money! Even if there's just one particular topic or decision you've been thinking about, run it by us and we'll do our best to help you out!

Let's become the most financially successful generation ever. Let's bring money out of the dark and into the light of everyday conversations. Let's talk about money.

5/15/17

3 Steps to Finding the Best Apartment - Plus an extra secret!

5/15/2017

Moving to a new home or apartment is one of the leading causes of stress and anxiety in America. What if I can't afford it? What if I don't get along with the neighbors? Will I have a good landlord? How long will my commute to work take? Will I be happy there? With the weight of such a big decision looming in the distance, it does not take long for uncertainty to set in.

Having completed a move just a few months ago, I can attest to the stress and anxiety that comes with it. I not only found myself asking the questions above, but I also suffered from the paradox of choice (one of my favorite parts of this TED Talk is just after the 12 minute mark when Barry talks about buying new jeans - check it out!). There are hundreds, if not thousands, of apartments for rent in Columbus, and for a while I didn't even know where to begin. A few months before I had to move, I would aimlessly browse the listings on Zillow but admittedly had no clue what I was looking for.

In my experience there were three main keys that helped make my move a little less stressful than it could have been.

1. Know Your Price

One of the worst things that could happen as a result of a move is ending up in a place that you can't afford, so that brings the obvious question: what can you afford you? The long-time golden rule is that your rent payment should not exceed 30% of your gross (before tax) income, but the truth is that this can vary dramatically from person to person.

If you're single and make $10k a month, you most likely can afford to spend a little more than 30% and still have plenty of cash to cover your other expenses. On the flip side, if you make $1,500 a month, it might be difficult to have that big of a chunk of your income going to rent. The 30% rule is a good starting point, but the important step here is to evaluate your own situation to find a price that works for you. A financial goal or personal budget will tremendously help determine what you can afford. If you're not sure what you can afford, ask us. We'd love to help!

For me, I knew I was likely only going to live in this apartment for about 18 months, so I wanted something very affordable. Despite not having a ton of monthly expenses, my goal was to find something around 15% of my gross monthly income.

2. Know Your Location

Knowing your price will help narrow down your Zillow search results, but if you live in a big city, you're still going to have a lot of options at hand. Your next step to landing that sweet crib is finding the right location.

If you're not sure where to start, here are some good questions to ask yourself:

  • Do you want to be close to the city and night life, or more quiet and remote?
  • Do you want to be walking distance to any attractions?
  • Do you want to be close to work or school?
  • What locations are safe? Are there any areas to avoid?
  • How close do you want to be to family and friends?
  • How long will your commute be in the morning and afternoon?
    • If you're not sure, give it a test run

Once you have these answered, your search results will be much more manageable. The two biggest factors for me was staying close to Rosie (I have to keep her close by so I stay out of trouble) and being close to work. I ended up finding a place that is about a 10 minute drive from Rosie and an 8 minute walk to my office. I'm also only a 20 minute walk from the Short North which is a nice bonus, especially since the weather is finally cooperating.

3. Know What You Like

You know what you can afford, and you know where you want to be. The only thing left to do is figure out what you like. Unless you're rolling in tons of dough, you're most likely going to have to sacrifice a few amenities when you first start out. The easiest way to get started here is to determine what amenities are a must-have.

Here are some of the common amenities to consider:

  • Does it come with appliances (dishwasher, refrigerator, laundry, etc)?
  • Hardwood floors or carpet?
  • Is it furnished? Or do you need furniture?
    • Can you bum some furniture off mom and dad? Can you afford to buy new?
  • Do you need an exercise room? A pool?
  • Is it air-conditioned?
  • How big is it?

I didn't pick a place with all of the bells and whistles, but I did a few small things to help spruce the place up.

If this is your first apartment, remember, just because it is a nice-to-have doesn't mean it is a must-have. I don't have in-unit laundry, a dishwasher, or air conditioning, but you can bet those will be in my house someday.

5/10/17

Do You Even Invest, Bro?

5/10/2017
If you're not investing right now, it's probably because you don't know much about it. If you don't know much about it, now is the time to learn!

Investing is such a broad, complex topic. We could crank out a ton of specific definitions and examples, but that's what awesome sites like Investopedia do. Instead, we’d rather start out by giving a general overview of a few investment options that people are expected to know about but never really taught.

Are you investing your money right now? Stocks. Bonds. ETFs. Mutual funds. CDs. Savings accounts. IRAs. Hedge funds. Options. Checking accounts. If you have money in any of these, congratulations, you’re an investor... sort of.

Investing is simply the idea of making your money grow. Obviously a checking account that gives you less than 0.5% interest a year isn’t making your money grow much, but it is an investment nonetheless. So if you’re 25 and have some money in a checking/saving account, you don’t need to do anything else, right? Not so fast.

In order to optimize the rate at which you create wealth, you first have to know what types of options are available. Here's an overview of the most common investments in order or least risky to most risky.


Checking/Savings – Checking accounts and savings accounts are among some of the safest places to keep your money. For most, this is pretty common knowledge. If you deposit $500 into your savings account, you can sleep easy at night knowing it will be there the next day. Since you have such easy access to this money, you earn very little interest (checking is often less than 0.1% per year, and savings accounts rarely exceed 1% per year). Do yourself a favor and take the cash from under your mattress and put it in savings account.

How does Alex use it: I have an admittedly archaic way of handling my day to day funds. I keep most of my money in my checking account and do not have a savings account. Well, that's not including the extra money I make mowing or receive as gifts that my friends make fun of me for keeping in a bucket beside my bed. . . but I definitely don't recommend that investment strategy. Seeing one sum of money available to spend at any given time has probably caused me to feel more comfortable about spending more than I should at times. This is probably the area where I'm lacking the most in my financial life.

How does Christian use it: I split my cash up between a checking account and a savings account. Depending on the expenses I have in the upcoming month, I typically put between 15-30% of my net paycheck into my savings account. My goal is to essentially "forget" about this money so that it can be used someday for a downpayment on a house. I usually end up saving some of the money in my checking account, but I don't usually transfer it back to my savings. Right, wrong, or indifferent, I use my savings account for big future purchases, and my checking account for day-to-day expenses and emergency funds.


Certificate of Deposits – A certificate of deposit is another very low-risk option. In short, CDs work like a savings account, but you’re not allowed to access the money as easily. For example, let’s say you put $1000 in a 1-year CD that pays 2% interest. You can’t access that money for a year, but after 1 year, you’ll have $1020. Pretty easy, right? Rates are always varying, but CDs will almost always pay better than a checking/saving account.

How does Alex use it:
I don't currently own any CDs nor have I ever. I have considered it recently because I am getting to a point where my savings in my checking account are exceeding an amount I would reasonably expect to need within a year. I struggle pulling the trigger on a CD which is a low-risk, low-reward option because I like to keep myself available for things like potential business investments or emergencies.

How does Christian use it:
I also do not have any CDs, and I can't remember having any growing up. Because the interest rates are so, I would almost rather keep my cash in a savings account so that I have access to it at all times.


Government Bonds/Corporate Bonds
– A U.S. government bond is another investment option that is essentially risk-free. Instead of giving money to the bank for a certain period of time, like a CD, you can also give some money to the government. In return, the government will pay you some interest for letting them borrow your money. The rate of return depends on how long you let them borrow your money. In general, longer term bonds will earn higher returns.

Corporate bonds work almost exactly the same as government bonds, except you are lending your money to a company. Since an individual company has a better chance of going bankrupt than our government (mostly because companies can’t print money), corporate bonds have slightly more risk.

How does Alex use it:
I started out with a small amount of my 401k investment in bonds. It only took a matter of a couple months of watching that account stay flat to piss me off enough to force a change in my strategy. I wouldn't suggest buying bonds as a long-term investment. The story we all hear about the person whose grandparents bought them a bond and now they have thousands of dollars sounds great, but I'd be pissed that my grandparents didn't invest that money for me in the stock market.

According to Bloomberg, a 2 year government bond currently pays 1.34% which barely beats out my checking account. If you don't need the money within 5-10 years, I wouldn't recommend a significant amount of bond investment in your retirement account or outside of it. If you want a couple percent of your savings to go to bonds, knock your socks off. But just understand you're mostly just doing that for peace of mind in case the market tanks, and you're costing yourself money with long-term bond investments.

How does Christian use it: I have small portion of my 401k investment in bonds, but I have to agree with Alex, it's probably not the best option for younger investors. If you're under 30, I'd recommend putting the majority of your long-term investments in the stock market. It is pretty standard practice, however, to move more and more of your investments over to bonds the closer you get to retirement. Some investment funds will even do this for you automatically - talk about a hands-off approach!


Mutual Funds/ETFs
– Mutual funds and ETFs are not the same, but for the purpose of this article, we can agree that they generally provide a similar amount of risk. Without getting into too much detail, these investment types allow you to invest a small amount of money in a wide range of investments. Since your money is diversified, your risk is somewhat limited. You have the ability to earn more than bonds, but you can also lose money. Mutual Funds and ETFs are great options for people that want a more passive, hands-off approach to investing.

How does Alex use it: I choose to invest 100% of my 401k in an S&P 500 index fund which is essentially an ETF comprised of the 500 largest companies in the stock market. The S&P 500 index has provided a return of about 10% over the course of its existence. That is enough to make you some serious gains if you're investing over a long-term period. I invested a small amount of money in a mutual fund during college, but I have never seriously invested in mutual funds.

How does Christian use it: I am a big fan of ETFs and, in some circumstances, mutual funds. These investment types are great for people like us that don't have hundreds of thousands of dollars because they allow you to easily diversify smaller amounts of cash. My one caveat with mutual funds is their fees. If you're not careful, mutual fund fees can seriously eat into your returns.


Stocks – A stock represents a piece of ownership in an individual company. This investment type is the most risky because the performance of the company dictates how you gain or lose money. If you invest in a company that does really well, your money can grow rapidly; some stocks can far exceed a 10% return in just a year. On the flip side, if you invest in a company that does not do so hot, you can lose money. We’ll dive into the specifics of individual stocks another time, but for now just remember they are pretty risky for someone that does not actively monitor the market.

How does Alex use it: I currently have a small amount of money split between several different stocks, but my total return has been less than the return of the S&P 500 during the lifetime of my stock investments. I don't invest in individual stocks in my 401k, and I would not recommend you do that either unless you are willing to essentially devote your life to researching the stocks. There are a lot of people on Wall Street who make a lot of money devoting their life to researching stocks, so don't think you're going to do better than them by casually investing in individual stocks.

How does Christian use it:
I also have a small amount of money invested in individual stocks, but it is mostly just for fun. I realize that I can't possibly spend all day doing the research needed to truly be an informed investor, but I took some investment finance classes in college and I can't help but to at least have a little fun with it. So far, I've experienced a much higher return percentage than my 401k, but I'll chalk most of that up to pure luck.


Options/Futures
– You only really need to remember one thing about options and futures; they are too complex for the average investor. These types of investments are typically carried out by professionals that have years of experience in the securities industry or by overly confident college grads that think they know everything about investing. Unless you think you know everything, stay away from these investments.


Why Should You Invest Now?


Compound returns are probably more powerful than you think. Don't believe me? Here's an example from an earlier post, 3 Horrible Financial Mistakes You MUST Avoid:

Image courtesy of MSN Money


The Blue is your money you invested, and the Green is interest you make from the market. If you invest $3,000 a year for 40 years with an average 10% annual return, it equates to an astonishing $1.3M. The big M is for MILLION! Crazy, right?

You should probably check out that post to see what other mistakes you don't want to make.

The Biggest Myth of All Time


"I don't have enough money to start investing."

This couldn't be further from the truth; the example above is proof that you don't need a lot of money to do well in the market. Yes, you can open a brokerage account (an account that gives you access stocks/bonds) without much money (many brokers now offer accounts with no minimum balance requirements), and yes, thanks to Mutual Funds and ETFs, you can diversify your portfolio with no more than a few hundred bucks.

For what it’s worth, I'm 24 and over 95% of my investments (not including checking/savings) are in stocks, ETFs, or mutual funds.

If you're not investing now, you're losing money, plain and simple. So... do you even invest, bro?

5/1/17

4 Ways To Beef Up Your Income, And How I've Used All 4

5/01/2017
What opportunities might be opened up to you if you could just scrape together a little extra cash? Would you finally get to take that dream vacation? Put it towards a down payment on a car or house? Bump up that retirement savings? Whatever it is you'd use that money for, I think we can all agree we wouldn't mind having some extra cash.

Most of our posts to this point have focused around the notion of saving money. While changing behaviors to save money is the most powerful way to beef up your cash, there's another side of the equation here we haven't talked about much: Make a little more money!

Obviously making more money is much easier said than done. If making more money wasn't incredibly hard work, wouldn't we all be doing it? Luckily you have a multitude of options to increase your income IF you're willing to put in the time and effort to do so. If you're looking for some type of life hack or get rich quick scheme, you might as well stop reading now.

I have worked weekends, holidays, and after my regular workday in order to bring in some side hustle income. I can't say I've always completely enjoyed the work, but I found that I really enjoyed the extra income it brought in and the opportunities that opened up for me. Mowing and Home City Ice have provided me the opportunity to have experiences in my life ranging from travel to being able to afford the extra couple bucks to buy craft beer rather than settling for a boring standard domestic!

1. Work a Part-Time Job

The morning after I got back to Bucyrus after my 1.5 day
journey from Texas after my internship with Marathon,
I spent the day out on the Home City truck with Max.
By the way, yes, we know we're really cool.
Shortly after I started working full-time, my boss from Home City Ice, where I worked during college summers, called me. He was about to lose a couple of delivery drivers as school was starting up, and he wondered if I could help out on the weekends. Although this meant much less time to sit around all weekend and watch football, I decided the extra income was worth giving up a Saturday or holiday here and there.

Part-time jobs are a great option for increasing your income, but you have to set very clear expectations from the start. Home City knew that I wasn't going to work weeknights, Sundays were pretty much off limits, and I wouldn't be available every single Saturday. If the Buckeyes had a home game, I was more than likely a no-go. I did, however, work from about 6-1 on a Saturday and showered at my brother's place on campus to make a 3:30 game with a little time to spare to smash a few beers before kickoff.

As long as your part-time employer knows what to expect, your full-time employer is cool with you picking up a part-time job, and your part-time work isn't affecting you in your full-time job, this can be a powerful tool for you to stack up cash quickly. Even if your part-time job is only a minimum wage job, you could make about an extra $200 per month working on Saturdays when, let's be honest, you would've spent that Saturday watching sports or cartoons or day drinking anyway. Think about the difference an extra $200 per month could make in your life!

Plenty of part-time jobs are available which would pay more than minimum wage. Waiting tables and bartending can be great ways to make some serious cash if you're working during the restaurant or bar's busy hours. You can also usually make more than minimum wage working any job that requires hard physical labor such as construction or working for a local farmer.

2. Work a Gig-Type Job

Mya was a valuable asset to my mowing. She was always
eager to help but never demanded a single dime!
I started mowing for one of my neighbors in 5th grade and another in 7th grade. My brother, Max, took over for the most part while I was away at college, and my dad would step in to help from time to time when Max and I were busy. All in all, we kept those lawns in the family through 2016-- 13 and 11 years total! I averaged about $1,500-$2,000 per year from  mowing which totals to well over $15,000 in all the years I mowed those 2 lawns. I hope Darla and Ms. Carver don't pass out if they read this!

Probably the most popular gig-type job in our society today is driving for Uber. Driving for Uber certainly comes with its risks, but for most people the benefits of the extra cash in their pockets far outweigh those risks. Unfortunately, Uber is only an option for people in larger cities. If Uber were available in Findlay, I would certainly consider driving on a weekend where I don't have much going on. Freelance writing, freelance photography, and tutoring are also great options for gig-type jobs.

The benefits of a gig-type job are that while you have a reasonable expectation of output and performance, you get to decide how you are going to achieve that output. You can also turn something you enjoy doing, such as writing or photography, into a gig-type job if you don't want to go full-blown entrepreneur. You generally don't have to put as much effort into starting a gig-type job, but the downside is that you only get paid for the effort you directly put in, and you can't really turn this into a predictable, dependable income stream. I had to decline plenty of opportunities to go out to eat or catch a movie in high school because of a long August drought.

3. Invest in Yourself

Yes, investing in yourself normally requires money, but it also requires a good amount of time. If you have the resources available and you work hard, you can absolutely increase your income by furthering your education or learning a skill. Let's dig into the numbers on the impact investing in yourself might have.

Income & Unemployment chart courtesy of the Bureau of Labor Statistics.
As you can tell my the graph above, the further you are able to invest time and resources into your own education, the higher your income and job security will be. Although Christian and I both fall into the Bachelor's degree category, we absolutely understand that college isn't the right answer for everyone. College is very expensive, and despite the pressure our society places on students to get a degree, not everybody is cut out for college. There's absolutely nothing wrong with that.

The key to investing in yourself is to figure out something that you enjoy doing that is valuable to somebody else and to get really good at that thing. Again according to the Bureau of Labor Statistics, the average annual salary of someone working in construction is $47,580, and the average annual salary of a production worker is $36,220. Any of us would take either of those salaries over an $8/hr minimum wage job bringing in $16,640 in annual salary. But in order to get to those higher numbers, you have to be willing and able to commit the time, effort, and resources necessary to get there.

4. Start a Business

What skills do you have that other people value? Like we mentioned before, are you passionate about and skilled in photography or writing? Do you enjoy working with your hands and creating tangible outputs like a contractor would? Our society is moving toward becoming a skill-based society where people are valued and rewarded based on a particular skill they have not just necessarily the job they hold. The technology and data available to us today has opened a world of opportunities for entrepreneurs.

This is something that Christian and I are striving for and working towards, and it certainly sits at the top of the high risk/high reward matrix. Starting and managing a business is really hard work. But if you can put in the work and you're working towards something people will value, being an entrepreneur can pay huge dividends down the line. If you're interested in becoming an entrepreneur, you have an abundance of resources to help you get started. Don't let the thought that you need to be rich in order to start a business deter you from moving forward because that is certainly not the case.

My personal favorite entrepreneurship teacher is Pat Flynn who is best known for his blog and podcast, Smart Passive Income. He recently launched a book I am in the process of working through called Will It Fly? which walks you through the step by step process of starting a business. Another person I follow in this space is Tim Ferriss, best known for his book The 4-Hour Workweek. I obviously don't get any kickbacks from advocating for Pat and Tim (although I wish I did), but I have learned a lot from them over the past couple of years. Their path to success and commitment to teaching others how to follow that process and tailor it in their own lives is incredibly inspiring.

Choose Your Path

If you're content with your current level of income, that's totally fine with us. But if you're like most of us and wouldn't mind making a little extra cash on the side, start working towards one of those 4 options today!

No matter what you do, believe in yourself! We believe in you. Every single one of us has the ability to achieve our dreams, and every single one of us can excel as long as we completely buy in to the specific decision we make to increase our income. It's not easy. But it's completely achievable by every single one of us. Choose something you enjoy, work relentlessly toward success in that space, and reap the benefits of that extra income.

Most importantly, don't forget to have fun along the way!