You'll never find a wiser advisor with a bigger heart.” -- Malachi Rempen: Filmmaker, cartoonist, author and self-described ruffian This book grew out of a series of letters to my daughter concerning various things—mostly about money and investing—she was not yet quite ready to hear. Since money is the single most powerful tool we have for navigating this complex world we’ve created, understanding it is critical. “But Dad,” she once said, “I know money is important. I just don’t want to spend my life thinking about it.” This was eye-opening. I love this stuff. But most people have better things to do with their precious time. Bridges to build, diseases to cure, treaties to negotiate, mountains to climb, technologies to create, children to teach, businesses to run. Unfortunately, benign neglect of things financial leaves you open to the charlatans of the financial world. The people who make investing endlessly complex, because if it can be made complex it becomes more profitable for them, more expensive for us, and we are forced into their waiting arms. Here’s an important truth: Complex investments exist only to profit those who create and sell them. Not only are they more costly to the investor, they are less effective. The simple approach I created for her and present now to you, is not only easy to understand and implement, it is more powerful than any other. Together we’ll explore: Debt: Why you must avoid it and what to do if you have it. The importance of having F-you Money. How to think about money, and the unique way understanding this is key to building your wealth. Where traditional investing advice goes wrong and what actually works. What the stock market really is and how it really works. Why the stock market always goes up and why most people still lose money investing in it. How to invest in a raging bull, or bear, market. Specific investments to implement these strategies. The Wealth Building and Wealth Preservation phases of your investing life and why they are not always tied to your age. How your asset allocation is tied to those phases and how to choose it. How to simplify the sometimes confusing world of 401(k), 403(b), TSP, IRA and Roth accounts. TRFs (Target Retirement Funds), HSAs (Health Savings Accounts) and RMDs (Required Minimum Distributions). What investment firm to use and why the one I recommend is so far superior to the competition. Why you should be very cautious when engaging an investment advisor and whether you need to at all. Why and how you can be conned, and how to avoid becoming prey. Why I don’t recommend dollar cost averaging. What financial independence looks like and how to have your money support you. What the 4% rule is and how to use it to safely spend your wealth. The truth behind Social Security.

    So how did he go from hapless office worker and serial failure to the creator of Dilbert, one of the world’s most famous syndicated comic strips, in just a few years? In How to Fail at Almost Everything and Still Win Big, Adams shares the strategy he has used since he was a teen to invite failure in, to embrace it, then pick its pocket. No career guide can offer advice for success that works for everyone. As Adams explains, your best bet is to study the ways of others who made it big and try to glean some tricks and strategies that make sense for you. Adams pulls back the covers on his own unusual life and shares what he learned for turning one failure after another into something good and lasting. Adams reveals that he failed at just about everything he’s tried, including his corporate career, his inventions, his investments, and his two restaurants. But there’s a lot to learn from his personal story, and a lot of humor along the way. While it’s hard for anyone to recover from a personal or professional failure, Adams discovered some unlikely truths that helped to propel him forward. For instance:• Goals are for losers. Systems are for winners.• "Passion" is bull. What you need is personal energy.• A combination of mediocre skills can make you surprisingly valuable.• You can manage your odds in a way that makes you look lucky to others.

    Both success and failure have a limited lifespan. Successis neither a miracle nor a mystery. It does not depend upon special skills, formaleducation or superior intelligence. It is the natural outcome of consistently applyingcertain principles on an ongoing basis. The ultimate goal is to sustain success andeliminate failure. Acquiring facts is knowledge, understanding facts is comprehension, and the properapplication of facts is wisdom. The principles in this book can help you to: 1. Live by design, not by default2. Gain confidence and optimize your potential3. Become proactive and develop a winning attitude4. Balance your health, wealth and relationships5. Overcome day-to-day problems and make better decisions6. Make positive choices and avoid pitfalls The secret to a meaningful life is in your hands. Through inspiring ideasand basic values, this book will help empower you to Achieve More andbecome unstoppable.

    These four characters live inside us. If we play the victim, we’re doomed to fail. If we play the villain, we will not create genuine bonds. But if we play the hero or guide, our lives will flourish. The hard part is being self-aware enough to know which character we are playing.In this book, Donald will use his own experiences to help you recognize if the character you are currently surfacing is helping you experience a life of meaning. He breaks down the transformational, yet practical, plan that took him from slowly giving up to rapidly gaining a new perspective of his own life’s beauty and meaning, igniting his motivation, passion, and productivity, so you can do the same.The lessons in this book will teach you how to:Help you discover when you are playing the victim and villain.Create a simple life plan that will bring clarity and meaning to your goals ahead.Take control of your life by choosing to be the hero in your story.Cultivate a sense of creativity about what your life can be.Move beyond just being productive to experiencing a deep sense of meaning. Donald Miller will help you identify the many chances you have of being the hero in your life, and the times when you are falling into the trap of becoming the victim. He will guide you in developing a unique plan that will speak to the challenges you currently face so you, too, can take find the fulfillment you have been searching for in your life and work.

    She gives her readers even more of what they love about the blog: lots of creative, helpful ideas and advice for moms on a budget along with stories from her own journey to discovering what the Good Life is really all about.

    After winning the highest award in his field, Vincent was offered a 3 percent raise. He knew at that moment he needed a monumental change. One month away from their baby being born, Vincent and Elizabeth started a side photography business out of desperation. In less than four years, they grew their business to pay off all of their debt, including their home, and left their jobs for a life of freedom. With the world moving rapidly towards a freelance model, Freelance to Freedom is not only timely and necessary, but it’s also entertaining, engaging and paints a picture for anyone looking for a life of freedom with money, time and location.

    Be brave enough to follow it. Your life will never be the same!"Rated 5.0 stars from Readers' Favorite ReviewsHave you ever asked yourself why some people seem to get everything easily and others don’t? Do you feel like a victim of your circumstances? Are you tired of waiting for your life to change? Everything you have in your life today is a direct result of your thoughts, beliefs and expectations. And so is where YOU will be in 1, 5 or 10 YEARS! Nothing happens “JUST BECAUSE”. Find out how to take control and full responsibility of your life, and how a couple of small steps every day can change everything. 30 Days is not just a book that you read. To make it work YOU have to work and do the exercises it proposes consistently over time. In this simple, fast-paced eBook you will be learning what it takes to create the life you want. 30 Days is for people who are struggling, wanting to change their life, but they feel powerless and think change comes from the outside. They also keep doing the same things over and over expecting a different result, which Albert Einstein considered to be the purest form of insanity. If you want to change your life, you have to change your habits and start doing small things differently every day. Discover your enormous potential and… • Stop being a victim of the circumstances • Stop waiting for the miracle to happen and become one • Stop suffering and start creating the life you want • Improve your self-confidence • Improve your relationship with your spouse, colleagues, boss, etc. 30 Days is based on science, neuroscience, positive psychology and real-life examples Anyway. Don’t believe a word I say! Try it out for yourself. You already know everything that you will see in the book, but you have to put it into action. Some of the benefits that reading and working through the book can bring you: --> Get more self-confidence --> Fall in love with the most important person in your life – YOU --> Lose your fear of your emotions and learn to manage them --> Become wealthier, healthier and happier --> Find the job of your dreams --> Find love --> Start your own business --> Have an extraordinary life

    They make decisions differently. They set goals differently and bounce back from failure differently. Valorie is dedicated to help women create new thought processes that empower them to succeed in their relationships, finances, work, health, and spiritual life. With new, godly habits, women will discover how to:focus on solutions, not problemschoose courage over fearnurture intentional relationshipstake consistent action in the direction of their dreamsbuild the muscle of self-controlIn this powerful and practical guide, Valorie provides a woman with insight into who she really is and gives her the tools, knowledge, and understanding to succeed.

    Are you looking for ways to decrease your spending…and start increasing your savings? Need some simple advice for maximizing your investments? Want to start planning for your retirement but don’t know where to start? It’s now easier than ever to achieve all your financial goals! Many people are afraid to talk about money, which means that you might be missing some of the best money-saving skills out there! In Money Hacks you will learn the basics of your finances so you can start making every penny count. Whether you’re trying to pay down debt, start an emergency fund, or make the smartest choice on a major purchase, this book is chock-full of all the useful hacks to make your money work for you in every situation!

    Whatever is stopping you from having seven figures in the bank—whether it’s shaky confidence, knowledge gaps when it comes to wealth building tactics, imposter syndrome, a janky mindset about money (it’s okay, we’ve all been there!), or simply not knowing where to begin—this book shows you how to clear every obstacle in your way, show up, and glow up.We Should All Be Millionaires will forever change the way you think about money and your ability to earn it.In this book, Rachel Rodgers— a Black woman, mother of four, attorney, business owner, and self-made millionaire— shares the lessons she’s learned both in her own journey to wealth and in coaching hundreds of women through their own journeys to seven figures.Inside, you’ll learn:Why earning more money is not “selfish” or “greedy” but in fact, a revolutionary act that brings the economy into balance and creates a better world for all.Why most of the financial advice you’ve heard in the past (like “skip your daily latte to save money”) is absolute, patriarchal nonsense.An eye-opening history lesson on how women and people of color have been shut out of the ability to build wealth for centuries—and how we can fix this.How to stop making broke-ass decisions that leave you feeling emotionally and financially depleted and start making million-dollar decisions instead.Why aiming to earn $100K per year is not enough, and why you need to be setting your goals much higher.Strategies to bring more money in the door and fatten your bank account immediately. (Including Rodgers’$10K in 10 Days Challenge which hundreds of women have completed—with incredible results.)It’s time to construct an entirely new attitude about money, claim your power, and build the financial security that you need and deserve — so you can stop just surviving, and start thriving. Let’s begin.

    Committed to sharing what the scientific community already knew about self-control, McGonigal created a course called "The Science of Willpower" for Stanford University's Continuing Studies Program. The course was an instant hit and spawned the hugely successful Psychology Today blog with the same name.Informed by the latest research and combining cutting-edge insights from psychology, economics, neuroscience, and medicine, McGonigal's book explains exactly what willpower is, how it works, and why it matters. Readers will learn:Willpower is a mind-body response, not a virtue. It is a biological function that can be improved through mindfulness, exercise, nutrition, and sleep. People who have better control of their attention, emotions, and actions are healthier, happier, have more satisfying relationships, and make more money. Willpower is not an unlimited resource. Too much self-control can actually be bad for your health. Temptation and stress hijack the brain's systems of self-control, and that the brain can be trained for greater willpower.In the groundbreaking tradition of Getting Things Done, The Willpower Instinct combines life-changing prescriptive advice and complementary exercises to help readers with goals ranging from a healthier life to more patient parenting, from greater productivity at work to finally finishing the basement.

    Carnegie harbored a strong love and passion for public speaking from a very early age and was very proactive in debate in high school. He went to the Warrensburg State Teachers College and later onwards became a salesman for Armour and Company in Nebraska. He also moved to New York in the pursuit of a career in acting and gave classes in public speaking at the Young Men's Christian Association.During the early 1930's, he was renowned and very famous for his books and a radio program. When 'How to Win Friends and Influence People' was published in 1930. It became an instant success and subsequently became one of the biggest bestsellers of all time. It sold more than 10 million copies in many different languages. He also began work as a newspaper columnist and formed the Dave Carnegie Institute for Effective Speaking and Human Relations, with several branches globally.Carnegie loved teaching others to climb the pillars of success. His valuable and tested advice was used in many domains and has been the inspiration of many famous people's success. One of the core ideas in his books is that it is possible to change other people's behavior by changing one’s reaction to them. The most famous and cited maxims in the book are "Believe that you will succeed, and you will," and "Learn to love, respect and enjoy other people."

    When it comes to spending that money, most people just follow their intuitions. But scientific research shows that those intuitions are often wrong.Happy Money offers a tour of research on the science of spending, explaining how you can get more happiness for your money. Authors Elizabeth Dunn and Michael Norton have outlined five principles—from choosing experiences over stuff to spending money on others—to guide not only individuals looking for financial security, but also companies seeking to create happier employees and provide “happier products” to their customers. Dunn and Norton show how companies from Google to Pepsi to Charmin have put these ideas into action.Along the way, Dunn and Norton explore fascinating research that reveals that luxury cars often provide no more pleasure than economy models, that commercials can actually enhance the enjoyment of watching television, and that residents of many cities frequently miss out on inexpensive pleasures in their hometowns. By the end of this “lively and engaging book” (Dan Gilbert, author of Stumbling on Happiness), you’ll be asking yourself one simple question every time you reach for your wallet: Am I getting the biggest happiness bang for my buck?

    A gentle reminder for when your heart is full of hope, and for when you are learning how to heal it. A gentle reminder for when you finally begin to trust in the goodness, and for when you need the kind of words that hug your broken pieces back together. A gentle reminder for when growth hangs heavy in the air, for when you need to tuck your strength into your bones just to make it to tomorrow. A gentle reminder for when you are balancing the messiness, and the beauty, of what it means to be human, when you are teaching yourself that it is okay to be both happy and sad, that you are real, not perfect. A gentle reminder for when you seek the words you needed when you were younger. A gentle reminder for when you need to hear that you deserve to be loved the way you love others. A gentle reminder for when you need to recognize that you are not your past, that you are not your faults. A gentle reminder for when you need to believe in staying soft, in continuing to be the kind of person who cares. A gentle reminder for when you need to believe in loving deeply in a world that sometimes fails to do so. A gentle reminder to keep going. A gentle reminder to hope.A gentle reminder, for you.Take what you need.

     Millions of people are using to-do lists that set them up for failure. No matter how hard they work, they're left with a laundry list of unfinished tasks at the end of each day. You can probably relate from experience. If you're creating to-do lists like most people, your lists are almost certainly failing to do their job. You're probably feeling aggravated and dispirited as a result. The good news is that there's a simple solution . It's a matter of using an approach specifically designed to help you organize, manage, and address every task and responsibility on your plate in a timely fashion. This approach is detailed in To-Do List Formula: A Stress-Free Guide To Creating To-Do Lists That Work! It's the only guide you'll ever need to create an effective personal task management system. To-Do Lists And Personal Task Management Made Simple! In To-Do List Formula, you'll discover: 8 Reasons You're Failing To Get Through Your Daily To-Do Lists The 10 Most Popular To-Do List Systems (And Why They're Flawed) Step-By-Step Instructions For Creating The Perfect To-Do List How To Keep Your To-Do List System Running Smoothly The Pros And Cons Of Paper Vs. Online To-Do Lists How Your To-Do Lists And Calendar Work Together That's a bird's-eye view of what you'll find in To-Do List Formula: A Stress-Free Guide To Creating To-Do Lists That Work! Click the cover image above to view the entire table of contents. This fast-moving guide is organized so you can easily jump back and forth to the sections that interest you in the moment. If you're tired of creating to-do lists that constantly disappoint you, now's the time to make a positive change. Learn the correct strategy and enjoy increased productivity, less stress, and more free time in the process. Click the "Buy Now" button at the top of this page to grab your copy of To-Do List Formula today!