Having the proper insurance is an important part of managing risk. I have seen many people with over $100,000 of medical bills on their credit report because they were not covered. I had my insurance contact, David Sass, give us some tips to make sure your covered.

Health insurance is a form of risk management that individuals use to protect themselves against an unpredictable health loss. An insurance policy is a contract between an individual and an insurance company that transfers that loss from the individual to the insurance company for a fee. All policies are not the same and should be reviewed and understood by the individual. Here are the most important aspect to be consider.

1. Doctor and Medical facility availability: An individual needs to make sure the doctors, hospitals and medical groups they want to use are contracted with their insurance company.

2. Premium (monthly cost): This month fee which is paid by the individual should be affordable and the individual should be able to maintain that premium over a period of time within the individual’s budget.

3. Deductible: The amount that the policy holder must pay out-of-pocket before the health insurance plan pays its share.

4. Copayment: The amount that the insured must pay before the health plan pays. This is a lot like a deductible but is applied to individual services, which are usually waived from the deductible (except for prescription drugs).

5. Exclusions: Not all services are covered in some plans. A lot of new plans do not have coverage for maternity or brand name prescription drugs. These exclusions can lower premiums.

6. Out-of-pocket maximums: This is the amount that the policy holder obligation ends under coinsurance and the insurance company pays 100% of the cost.

Health insurance policies can be very confusing. It is best to find an insurance agent who specializes in this kind of coverage and meet with them to review the detail. Insurance plans are no more expensive using an agent than going direct.

High School Students to Host a Fundraiser and Financial Education Awareness Event

Huntington Beach, CA The Huntington Beach High School Entertainment and Tourism Academy (ET at HBHS) is hosting an event to inspire today’s youth to take control of their finances while raising funds for Junior Achievement.

The event will include a check presentation to the student from ET at HBHS, a Chamber of Commerce presentation and a keynote speech from, Vince Shorb, a leading financial education advocate and author of ‘Financially Free by 30’. The funds raised at the event will support Junior Achievement.

The event will take place Thursday, February 21st from 4:00 pm to 5:30 pm at Flight Bistro and Social Lounge (8082 Adams Ave Huntington Beach, CA 92646).

“Junior Achievement is on a mission to empower youth. With this event, the Huntington Beach High School Students reversed the roles and are now the ones empowering Junior Achievement while also taking an active role in empowering their peers” states Vince Shorb.

Huntington Beach high School Entertainment and Tourism Academy (www.etacademy.net) provides students hands on learning experiences in the entertainment industries. Junior Achievement (www.ja.org) helps young people understand the economics of life and maximizes their potential. Vince Shorb (www.VinceShorb.com, www.FreeBy30.com) empowers today’s youth with real world financial education skills needed in today’s society.

Check out this week’s video to discover why credit cards are an important financial tool. When you know how to use them properly you’ll build your credit score and end up saving thousands each year.

http://video.google.com/videoplay?docid=7650114073409982357

Looking to save money, time, retire young and secure your financial future. To do so it all starts with a savings plan. It’s the backbone to taking control of your finances and ensuring you have enough money to enjoy now and retirement.

At first it doesn’t matter how much money you save, although 15%+ is ideal. And for those in debt or experiencing student credit card debt you can use this savings strategy to help dig yourself out.

The key to your finances and one of the top financial education lessons is saving money on a consistent basis. To develop a consistent savings habit that works automatically contact your bank and have them automate your savings plan. Ask them to transfer an amount of money that you choose to your savings account each month. Its best to have them do this the same day you deposit your paycheck - direct deposit makes this a breeze. That way you are paying yourself first and you know what you have left over for bills and fun.

According to STANDUP FOR KIDS there are 1.3 million homeless kids on the streets in the United States. Imagine for a minute being a kid or teenager and not having a place to call home, or sleeping in a car or a shelter.

Often these young and homeless people loose hope. They stop dreaming about retiring young, having young money or being a young entrepreneur. Often they learn bad financial habits and are prone to fall into student credit card debt. They are learning by the situations they are in and not through a professional practical financial education course. They mentally have failed financially before they even have a chance.

Helping these young adults get off the street and into a stable home can help them re-kindle the dream. They once again can have the hope to retire young or become that young entrepreneur.

You can make a difference whether you give your time or money to help these young people get a second chance on life. Consider how little it can take to give someone the opportunity to get off the streets. Let those causes and people you are passionate about helping out be the fuel to take control of your finances. Vince

I’m sure most of you reading this have had experiences in your life where lack of money, student credit card debt or having to work made you miss out on something. If so please comment and share your story!

Here is mine - I remember back in the day missing out on a Santa Barbara party / road trip because I had to work that day; I needed the money. All my friends got together this summer and were talking about the wild time they had that weekend and they were messing with me - 12 years - later because I missed out on that experience.

Even more heartbreaking, I spoke with a 78 year old woman in Missouri - her life dream was to visit the town in Sweden where her parents were from and she cannot afford to go. She missed being able to retire young and probably will never be able to retire. Unfortunately, from the latest reports this is what most peoples future will be.

People are living pay check to pay check, runaway personal debt, retirement shortage, and most importantly people are missing out on the fun experiences life has to offer because they don’t have young money. Young money allows you to enjoy al that life has to offer.

IT DOESN’T HAVE TO BE THIS WAY!

Don’t let those other people fool you, this money stuff isn’t that hard. Financial education is the key. They want you to believe it is; but in realty there are just simple basic lessons that separate the people that are able to fully enjoy life from those that are in a constant struggle. I understand because I personally I experienced both sides of the coin.

If you’re like most, you never were taught financial education or how to be a young entrepreneur in school. Instead you memorized the periodic table of the elements and were able to figure out how fast ‘train A’ was traveling away from ‘train B’. If you’re like me, you never needed to know how many atoms are in the element ‘lutetium’; however ‘money’ affects us everyday. Will a young entrepreneur ever use this information?

You owe it to yourself to get a practical financial education that will truly make a difference in your life. Start that business you always dreamed of and be that young entrepreneur. I promise – financial education is easier than any class you have ever taken plus it’s something you will use everyday of your life.

All the best!! Vince Shorb

Is there anyone out there believes that corporate, union, or government pensions and Social Security will be around when people under the age of 30 reaches retirement age?

Already we have seen an enormous reduction in pension plans offered to employees and are being replaced with contributory retirement programs. Unfortunately, according to a report of the National Association of State Boards of Education, “most workers with access to these contributory programs are not participating sufficiently to allow them to retire in their sixties without suffering a great decrease in their standard of living.

So this means those of you under 30 need to self-fund your retirement in order to retire young. Now more than ever that you pick up the young money lessons that will allow you to retire young while enjoying yourself. You can do so by receiving ever real world financial education.

Check out what you will need to retire young. Young adults today – assuming you live to 90 - will need a minimum of $1.3 million in order to retire on about $33,000 annually (today’s dollars, adjusted for inflation and salary increases). That is a lot of money and not much of an income.

Hope your still reading because its time for the good news, if you just invest $80 each month, starting at age 18, you’ll have over $1.3M and it will allow you to retire young.

 Start investing early – Harness the power of young money and create a snowball effect on your money know as compounding interest.
 Invest consistently.
 Use IRA’s and other vehicles that offer tax benefits
 Purchase a few pieces of real estate in growing markets.

A practical financial education will help you harness the power of growing young money which will allow you to retire young. This money stuff is easy just stay consistent and follow your investment plan.

Parents out there you need to know! Most public high schools do not give your kids a practical financial education. In fact, they’ve been teaching roughly the same subjects for the last 50 years and financial education is not one of them. A lot has changed in 50 years. A little invention called the ‘computer’ or something like that. A global economy, an almost certain massive reduction of social security and pensions — yet they still teach the same subjects.

Young money problems include student credit card debt near record levels and reports showing that over one third of today’s youth will not have any ( $0 ) money saved in a retirement account in 2050. This causes them to have financial worries their entire life.

People that do not pick up a practical financial education could be 100% dependent on other people or the federal government for support. Does anybody still think SSI will even come close to paying the most basic bills when your children retire? Even today’s senior living on SSI can barley make it. Unless young people start to get a practical financial education many of them will have to work in their eighties, nineties, hundreds. They will never have the opportunity to retire let alone retire young.

“Injustice anywhere is a threat to justice everywhere” Martin Luther King Jr.

By not giving kids a practical financial education in school we are setting them up for the scenario described above. Financial education is the solution that will help a lot of people avoid a retirement money shortages, loosing their home in foreclosure and experiencing runaway student credit card debt. If high school adopted a practical financial education curriculum, it would give today’s youth the ability to get off to the right start financially.

Quiz: Of the group of two sentences what knowledge would you rather possess?

A. The ability to balance the neutrons from the periodic table of the elements.
B. The ability to choose what investment will be best for the future of your family.

A. Memorization of the exact date the French Revolution started.
B. Development of the financial education skills that will allow you to afford what you want now while planning for the future.

A. The ability to solve 1/(1+C)^D= 1-AC/B (1+C)^D + B/ (B-AC)
B. The ability to save thousands of dollars by knowing how to get your credit score above 720

Everyone knows the high school curriculum is not working and it probably will not change soon. I want it to but the system is a big boat and takes a while to change directions. So while I’m trying to motivate decision makers to start the turning process its up to all you parents to make sure you teach your kids about money.

You need to be aware and fully prepare your child for the financial real world. You wouldn’t give your keys to the car to your kids without drivers training. So why in the world would you send them out on their own without a financial education? Vince Shorb

Knowing how to manage money is one of the most important skills you need to master in life. Essentially, with proper money management skills you will have a well managed and effective life plan.

You would think that learning how to manage money would be a required course in high school and college. Instead, we learn by watching our parents, following our peers, and by making money management mistakes.

So, what is the key to great money management? Like learning to drive a car, there are some basic money management strategies to guide you. By learning these simple money management skills at a young age you will benefit your entire live. Isn’t it better to learn the easy way, rather than the hard way? I’ve learned the hard way and talked to thousands that learned money management through trial and error. Now there is a better way.

There are basic money management guidelines that will allow you to live your life more fully, and put you in better control of your money. It just will take you an hour to learn the basic money management skills that will put you in control of your finances.

Saving by cutting your spending
You may be familiar with the Eastern philosophy of Yin and Yang, which describes opposing but necessary forces found in nature. This concept can easily be applied to spending (yang) and saving (yin) money.

When you follow practical money management techniques you will find spenging and saving equally support each other if kept in a balance. This money management balance can help you to have money in the bank while you are able to enjoy a full rewarding life.

When practicing proper money management your spending and saving are in balance. They are interdependent and cannot exist without each other. For example, if you never save you won’t have the money to spend later in life.

Separating your wants
A key to proper money management is understanding your needs and wants.

• A need is something you must have for survival. Things like shelter, clothing and food are all good examples of needs - you can’t live without those items. Without proper money management you may not be able to afford food or shelter. There’s a lot for people living paycheck to paycheck that are dangerously close to being homeless. Don’t let that be you – manage your money.

• A want is something you would like to have. It ‘s something that is not absolutely necessary, but you would enjoy having. Wants are things like those $4000 purses, $50,000 new cars, the latest clothes and of course who could live without their plasma T.V. Now if you manage your money right you can enjoy these wants.

I’m not telling you to be a tightwad however you need to manage your money. If you able to put away at least 15% of your paycheck, have no debt (besides that which secures assets like real estate) and are following your plan to reach financial freedom – go out an enjoy life and but the things you want (within reason).

When managing your money, make sure to budget enough to pay for your needs and plan for your wants.

It’s the holiday season for many and often during this time of year we are reminded to show our gratitude. That’s a great thing so go with those feelings; however it’s important you do that the other 11 months as well.

No matter how much or how little you have, by experiencing the feeling of gratitude it will get you into a wealth attraction state. If you have watched the movie “The Secret” you understand how important just subtle shifts of thought will help you achieve whatever results you want in life.

I know sometimes it’s easier to believe that the grass is greener on the other side. However instead of wishing for more, be grateful with what you’ve got because there are a lot of people have survived on a lot less!.

I just received this letter from a friend of mine in the Philippines.

“Thank you for your reply and concern, please tell me what best for me or any advice or help you can offer will be appreciated deeply. Right now I am still single I’m already 30 yrs old, planning to get married next January 08 or maybe this month. I just want to give a better life with my future Family. To have your own house, food and education for your kids. I don’t know much of my future, I just laid some plan a, plan b, plan c and plan d, incase it don’t work for me.”

All he wants is an opportunity to have the opportunity we have in America. Remember that over 30% of the world’s population lives on less than $2 per day. That’s $60 per month, or just $720 per year!

You may not have everything you ‘want’ in life. But if you are eating, sheltered and clothed, you have your “needs” covered, and have plenty to be grateful about.

Cultivate the feeling of gratitude, because the more grateful you are, the more money will come your way, the more people you can help and the happier you will be.

In Spirit! Vince Shorb

We all have a limit to the amount of money we have available to spend. The ability to teach your kids about money is one of the most important money management skills you can give them.

Children that don’t receive this practical financial education can get in financial trouble. Financial trouble spills over into other areas of their life. Money problems are the top cause for diverse, top cause of health problems and a top cause of emotional stress. It is your parental responsibility to teach your kids about money. Teaching your children proper money management skills should high on the check list on how you raise your children.

It is important you lead by example. Now if you like most American’s you are experiencing financial hardship. It may not be apparent to you now however most people will not have enough to retire, are indebt and are living paycheck to paycheck. If that describes you, that’s OK. We all have to start somewhere and that is where I personally started. Teach your children about money by working on your finances together. Create family financial goals and share your positive and negative money decisions with your children. Teaching kids about money can bring your family closer.

It is vitally important if you do not have professional money management training to teach your kids about money by someone that has this training. You send them to school for subjects that they will never use again in their life so get a course on money that will benefit them for life. Teaching kids about money is easier than ever with ‘Financially Free by 30’ multi-media home study course. This is the first and only course on the market that gives them practical financial advice that they will need everyday of their lives. So if your not comfortable teaching your kids about money; find a resource.

For the other people that do have some money management training, make sure to take time out and teach your children about money. Treat this like a home school class that you are giving to your children. Give them assignments and homework. You owe it to them to prepare them for the financial real world plus it will save you the frustration of your children coming back and always asking to have money.

The average college graduate will move back home after they graduate and they have over $20,000 in debt - so teach your kids about money so they can avoid this problem. Also on a selfish side - Do you want be forced to live with your 30 year old child. Don’t laugh because over 22% of 30 year olds live at home.

Teach your kids about money! You and they will benefit for a lifetime!

In Spirit, Vince Shorb

I was asked last night – what do you teach? This question had just come after I had just read several financial education books in the past week…these things were boring and dry. So I thought about the question for another second and I came to realize I entertain and education and I teach Financial ‘Success’ Education.

One of the first lessons that motivates people to learn about money is for them to clearly define what ‘success’ means to them. The rest of the course is will then give them the tools to reach their personal ‘success’ goal. Other financial education courses miss this critical element.

The ‘Financially Free by 30’ course takes a holistic approach to ‘money’ and is broken down into three distinct phases: ‘Get Your Mind Right’, ‘The Foundation of Wealth’ and ‘Three Keys to Wealth’. The end result for people that follow the course is a ‘Life of Wealth. This refers to ‘Wealth’ in all areas – mentally, emotionally, spiritually, financially and socially.
I am committed to producing high quality content. Because of this I took painstaking measure to make sure this course is not only the most complete financial education course on the market but deigned in a way to promote effective leaning. This is the first and only multi-media financial education course designed to give students a ‘real world’ financial ‘success’ education.

Since every student learns differently he made sure each learning style was addresses. Combining audio, video, activities, interactive tools, manual and online progress tests there are learning methods available for each learning style – visual, auditory and kinesthetic learning. What’s more I have incorporated neuro-linguistic programming in this material to motivate and excite young adults to learn about money.

Over a year was spent in direct contact with young adults of all background to make sure I understood what the main motivators were for them to learn about money. Today’s youth don’t want a ‘financial education’. Yet they do want to learn about money when it relates to freedom, recognition, friends, love, passion for a cause, status, acceptance from peers, care for their family, travel and to have memorable life experiences to name a few. Although it is ‘financial education’ when positioned properly these little nuisances greatly increase the effectiveness of a course.

People in high School, College and adults under 30 years old want to learn about money!

In Spirit, Vince Shorb

The list of the most common money traps continued -Teenage parenting advice online.

How you treat money
Because of the lack of financial education many treat money differently. Moneys …. money right? You have $50 in savings and $50 from your great aunt for your birthday. Why is it easier to spend the $50 that was a gift? Money is money. Will you go out of your way to save $2 for lunch, but pay an extra $2 on a DVD player? We tend to track money in categories, and it makes for some interesting decisions.

The Jonses
Its all about keeping up with the Jonses…many people see their friend with a brand new car and they want one no matter how deep in debt it will put them. (As a side note never buy a new car…a $40,000 becomes a $30,000 car when you drive off the lot…would you throw away $10,000?) Here’s an example. You see the latest iPod in your friend’s pocket and suddenly you want a new one, too. Don’t - not until you think it through. Managing money and kids can mame you want to just blow through these decisions but don’t. Think to yourself - Can you afford to spend that money right now? Would you rather spend that money on something else? Try to avoid jumping head first into rash decisions. Through making smart money decisions you are leading by example. Your friends will benefit financially and respect you because you’re positioning yourself as the person in the group that is the money leader.

Decision making
It is true that the more choices you have, the easier it is to do nothing at all. It is what I call paralysis by over-analysis. Sometimes we just fear making the wrong decision. At other times it seems so complicated that we give up and make no decision at all. That’s a bad idea.

Think back to when you stumble upon a good sale price for something you have been considering purchasing. For instance, you researched one manufacturer of DVD players, and when it’s on sale, you go to pick it up. Right next to it is a brand you are not quite sure of. Both are on sale, so they are both good choices, but the brand you don’t know is cheaper. For most of us, this makes it hard to make a quick decision.

The tendency to fall into indecision comes into play when it comes to investing, too. The problem is that putting off financial decisions - ones that are considerably bigger than selecting a DVD player - can make you miss great opportunities. Worse, you can lose valuable time, and time is your best friend when it comes to investing your money and having it work for you.

Unnecessary risks
As you will learn later, taking a risk after researching everything that might go wrong, and being ready to accept that risk, can be OK; however taking dumb risks can lead to major financial pitfalls. I’ve taken my fair share of dumb risks, too, and sometimes I had to pay the consequences. Managing money and kids can be challenging but do take this teenage parenting advice online and talk to them about the risk facing today’s teenager – DUI’s, car accidents, pregnancy and other challenges that can cost them a lot of financial hardships.

Overconfidence
Most people think they have better knowledge about money management and investing than they actually do. This is especially true after hey experienced success in making money. As we saw with the stock and real estate boom it was easy money for a while. That makes uneducated investors think they have it wired. When things turn around however many people go back to FEAR mode and freeze. They are hesitant to ask for help, and because of that they make mistakes.

Low Confidence
The polar opposite of being cocky is being shy about financial matters and managing money and kids and your wealth. Since they don’t teach financial education in high school or college it is important you learn form somewhere. Books, seminars, teenage parenting advice online, and videos are all great ways to learn financial education. Also you will get a high quality financial education if you aren’t to shy to ask successful investors to give you financial advice. Many people lack confidence in their decisions. This lack of confidence often stems from lack of knowledge on financial matters. When your managing money and kids it is important you know all you can and give yourself a practical financial education before making any financial decision and so you can pass this personal money management tips to your children.

Emotional spending
Advertising messages surround us and bombard us with urges to buy on emotion alone. Don’t get me wrong; I like my gadgets, but there is a limit. I believe that our consumer-based society makes it incredibly tough for those people who use shopping as entertainment and, worse, shop to get an emotional lift to boost their day. This is one reason that some people overspend – shopping is a drug to them and high credit card debt is a symptom, this can be even tougher when managing money and kids.

Even small purchases, bought without much thought, can add up to big debt problems. This is how college debt, credit card debt and student loan debt add up. And if this habit is supported by a credit card, the end will come soon. In my own life, it wasn’t charge cards that got me into credit trouble, but I know what it’s like to screw up your credit history. Word to the wise: don’t.

To avoid debt and by not falling prey to emotional spending, you need to learn how to create a budget, and practice living within it. If you are still living at home, now is the time to make a few mistakes and get your skills sharpened for the adult world. Keep your college debt to a minimum and enjoy life without a large credit card debt hanging over your head.

Faking the Appearance of Wealth
You will find as your life experiences increase that many people exude the illusion of wealth. They drive the nicest cars, have the latest fashions, live in plush homes, and appear to be doing well. Some of these people are as wealthy as they seem, but others are living way beyond their means (that is, in serious debt). They have nice homes, several cars, the latest toys, college debt and high credit card debt.

I have seen people driving a brand new BMW, new Range Rover, living in a million dollar condo at the beach, flat screen TVs in every room, eating nightly at nice restaurants, and taking first class trips around the world; however, they are one paycheck away from getting into dire financial problems. The debt that they are accruing now will haunt them for years.

Don’t get caught up in the credit card debt game and avoid faking the appearance of wealth. Live as comfortably as you can afford to, at this moment and time.

Financial education helps people avoid potential pitfalls (like debt) and regularly take inventory of their thoughts and actions to ensure they avoid negative consequences. Take this teenage parenting advice online and use it to help you in managing money and kids. People that lack a practical financial education consistently find themselves caught up in “debt traps” and are left struggling to get out.

All the best! Vince Shorb

Many of the decisions we make about money we learn from our environment. Public high schools don’t teach ‘money’ so most of us learned about money form the school of hard knocks. Some parents try to teach their children about money but after talking to over 20,000 about their personal financial situation I can tell you most people lack the basic financial education needed to teach their children properly.

Many of us – myself included for many years - fall into the same common traps. The most common money traps include overspending, lack of retirement planning, poor credit decisions, no or poor investment decision making ability, and most importantly they have negative mental associations to money. People’s core attitudes come into play, making some of these traps more dangerous for you than others.

After personally diagnosing the financial health of over 10,000 clients over the years, I have found some common “money traps” people find themselves in. Many of these potential pitfalls are caused by their own thoughts and actions. Be wary of these money traps—they are inherent in day-to-day life!

Young adults today not only need a practical dollars and cents financial education but a ‘mental financial education’. All the experts agree yet for some reason the mental financial education component is forgotten. In the next two postings I will address the main reasons why a ‘mental financial education’ training needs to be taught to all high school and college age youth now more than ever

Greed
We’ve all experienced this – greed. Being consumed with money, obtaining money or material possessions at any cost, are symptoms of greed. It’s great to work hard to obtain the things and lifestyle you want, but it becomes unhealthy when you cross the line into greed. A mental financial education would help young adults recognize this feeling before they make a pooor investment decision.

Fear of loss
Most of us get really nervous if there is a chance that we may lose money. We feel the loss of $100 more intensely than if we got a windfall of the same amount. The fear of loss has a negative effect on our decision-making ability. We become focused on not losing money instead of staying on course with our financial goals. In later chapters you will learn that it also affects our decision-making for investments. I have been able to help people out of major credit card debt however they get frozen by fear and make poor decisions. Many people don’t make tough decisions that may cause short term loss but would help them achieve long term gains in the long run.

Word games
It’s all in how I pose the question… At this stage of your life, you probably have some amount money coming in; you may work, or still receive an allowance from your parents to get by. So you have income and you have to live within that. (At least that is what you will learn from this book!) Now, if I asked you if you could save 20% of your income, what would you say? What if I asked if you could live on 80% of your income?

If you are like most people, you quickly said “no” to the first, but answered “yes” to the second. Isn’t it all the same? The lesson here is to be aware of how a positive or negative presentation of the same situation can sway your thinking.

These are just a few money traps people get into please post some of your own and I will be adding to this list shortly.

All the best! Vince Shorb

In this first blog post it is important we help to develop a healthy relationship with money. Whether your a young adult just starting out or a parent teaching children about money. To do so we need to understand how money fits in with our lives.

In today’s society, money plays an important role in our lives. Unless your one of the few that lives off the land, barters and have the ability to build your own home, chances are you need money.

You can’t buy happiness with money and I’m sure you’ve heard “money isn’t everything”. However, having enough money can certainly lead to an easier life without bills piling up, thus adding to your financial freedom and financial security.

Financial freedom gives you the freedom to do what you want, when you want. That gives you the ability to live a full, exciting life. Money = Time, freedom and lifestyle.

The financial security that money can bring also has benefits. A certain degree of money will make you feel “happier”. Once you’re able to afford basic needs like shelter, food and transportation you’ll likely find that acquiring a lot more money doesn’t guarantee that you’ll be a lot happier. But it can help.

True happiness, has more to do with your attitude to life than it does to do with the size of your bank balance. Money’s great, but remember, don’t let it rule you. The money’s inside your pocket, not the other way around.

You see, achieving financial freedom and financial security can play a role in how your feel about yourself, but it’s only one aspect of creating a better life. Also very important to happiness is having close, trusted family, friends, and acquaintances; being physically healthier; enjoying your profession; going with the flow; laughing; doing things you enjoy. Strive for a healthy balance, and the rest will follow naturally.

Use money to live a balanced life. Strive for financial freedom so you can enjoy the lifestyle that money brings. Strive for financial security so you and your loved ones needs are met. Both financial freedom and financial security will help you to take the focus of your needs and allow you to work for the greater good. Vince