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Get the right financial advice you need to make the most of your money. Here is how your personal financial plan will help you achieve your goals...
Goals
Lifestyle
Skills
Time Horizon
Factors on Inflation
Interest Rate Sensitivity
Tax Expenditures
Unfortunately, we all need it!
Debt can help us achieve financial goals. As a result, we all have to learn to manage debt. With a plan, you can make debt work for you.
Home prices continue to increase...
It may seem unaffordable to buy a home at today's values, but once again, with a plan you can strategize your money to buy a home with little or no down payment.
Putting off planning?
What you have right now is time. Therefore, it's never too early to start planning for your retirement.
With a plan, we can help you allocate your money in a way to help you achieve all your financial goals.
The lack of money in a family can lead to financial stress, limited access to education and healthcare, strained relationships, and challenges in meeting basic needs like housing and food. It can impact overall well-being and opportunities for personal and professional growth. By creating and following a personal financial plan, you will be able to overcome difficult obstacles.
For instance, the lack of money can be caused by various factors, including unemployment, underemployment, low wages, economic downturns, medical expenses, debt, lack of education or skills, and systemic issues such as income inequality. Additionally, unexpected events like emergencies or disasters can contribute to financial instability. By applying financial planning strategies, you can take control of your situation and can help plan and anticipate for those future financial expenses.
The factors leading to financial challenges can be complex and interconnected. For example, unemployment or underemployment may result from economic downturns, industry changes, or personal circumstances. Low wages can be influenced by market conditions, job demand, and negotiation power. Lack of education or skills may limit job opportunities, and systemic issues like income inequality can perpetuate financial disparities. Unexpected events, such as health crises, accidents, or natural disasters, can also contribute to financial instability. Individual circumstances are often influenced by a combination of personal choices and external factors.
Human behavior plays a significant role in several of the factors contributing to financial challenges. For instance, educational and career choices, spending habits, saving practices, and long-term planning are aspects of individual behavior that can impact one's financial situation. However, it's important to note that external factors, such as economic conditions, societal structures, and systemic issues, also exert substantial influence on an individual's financial circumstances. The interplay between personal choices and broader external forces contributes to the complexity of financial situations. Once again, by following your personal financial plan, you can highlight the issues that do not help you improve your financial situation.
So, to overcome or reduce financial impacts, consider setting and following your personal financial plan and applying these strategies:
1. Budgeting: Create a realistic budget to manage expenses and prioritize needs over wants.
2. Emergency Fund: Build an emergency fund to cover unexpected expenses and reduce reliance on credit.
3. Education and Skills Development: Invest in education and skills to enhance employability and potentially increase income.
4. Debt Management: Develop a plan to manage and reduce existing debts, avoiding high-interest loans when possible.
5. Income Diversification: Explore additional income streams, such as part-time work, freelancing, or a side business.
6. Financial Planning: Set clear financial goals and create a plan to achieve them, considering short-term and long-term objectives.
7. Savings: Prioritize saving money regularly, even if it's a small amount, to build a financial cushion.
8. Insurance: Invest in appropriate insurance coverage to protect against unexpected health or property-related expenses.
9. Networking: Build professional networks and stay updated on industry trends to enhance career opportunities.
10. Government Assistance Programs: Explore available government assistance programs or community resources that might provide support.
Remember, financial challenges often require a combination of strategies, and seeking advice from financial professionals can be beneficial.
Spiritual practices can also provide individuals with a sense of solace, resilience, and purpose, which may indirectly contribute to their ability to cope with financial challenges. For many people, spirituality involves cultivating qualities like gratitude, compassion, and mindfulness, which can positively influence decision-making and resilience in the face of difficulties.
However, while spiritual practices can contribute to emotional and mental well-being, they might not directly solve financial issues right away. Practical steps like budgeting, education, and seeking financial advice are often necessary to address the concrete aspects of financial challenges.
In essence, a holistic approach that combines practical financial strategies with emotional and spiritual well-being can be beneficial for navigating and overcoming financial difficulties.
Fostering a sense of abundance and gratitude involves shifting your perspective and focusing on the positive aspects of your life. Here are some practical steps:
1. Practice Mindfulness: Be present in the moment and consciously appreciate what you have. Mindfulness helps you recognize and savor the good things in your life.
2. Gratitude Journal: Regularly write down things you are grateful for. This practice can shift your focus from what's lacking to the abundance that exists.
3. Positive Affirmations: Use positive affirmations to reinforce a mindset of abundance. Affirmations can reshape your thoughts and beliefs over time.
4. Help Others: Engaging in acts of kindness or helping others less fortunate can highlight the abundance in your life and create a positive feedback loop.
5. Limit Comparisons: Avoid constant comparisons with others, especially in terms of material possessions. Focus on your own journey and accomplishments.
6. Celebrate Small Wins: Acknowledge and celebrate even small achievements. This cultivates a sense of accomplishment and abundance.
7. Simplify: Decluttering your physical space and simplifying your life can help you appreciate the essentials and feel a sense of abundance.
8. Visualize Goals: Instead of focusing solely on what you lack, visualize your goals and aspirations. This can create a sense of purpose and abundance in potential achievements.
Remember, cultivating gratitude is an ongoing process. By consistently incorporating these practices into your daily life, you can gradually develop a mindset of abundance and appreciate the richness of your experiences.
Right now, consider these actions to foster a sense of hope and empowerment:
1. Identify Small Goals: Set achievable, short-term goals that you can work on immediately. Accomplishing even small tasks can boost your sense of control and optimism.
2. Focus on the Present: Practice mindfulness by concentrating on the present moment. This helps reduce anxiety about the future and fosters a sense of calm.
3. Express Gratitude: Take a moment to reflect on things you're grateful for. Expressing gratitude can shift your focus from what's lacking to what's abundant in your life.
4. Connect with Others: Reach out to friends, family, or a support network. Sharing your feelings and receiving support can provide comfort and reassurance.
5. Self-Care: Engage in activities that bring you joy or relaxation. Whether it's reading, taking a walk, or practicing a hobby, self-care is essential for mental well-being.
6. Visualize a Positive Future: Envision a hopeful future for yourself. Picture your goals and the steps you can take to achieve them. Visualization can instill a sense of purpose.
7. Seek Perspective: Talk to someone you trust or seek advice from a mentor. Sometimes gaining an outside perspective can provide new insights and potential solutions.
8. Learn Something New: Invest time in learning a new skill or gaining knowledge in an area of interest. This can boost your confidence and open up new possibilities.
Remember that it's okay to ask for help and take things one step at a time. Shifting your perspective toward hope often involves a combination of small, intentional actions.
Learn the importance of financial planning, and how, you should approach your finances. 5 minutes of daily planning can change your future!
Regardless of your situation, we will be glad to assist you. Each of us feel different about money issues. We will listen to you and help you create a path to ultimately achieve your personal and financial goals.
You are not the only one!
Fortunately, we have created a way to help you build and follow a plan without budgeting.
Learn the 15 money strategies, valued at over $15,000, for free.
Want financial freedom? Execute a 5-year plan to get the direction & mindset to achieve the financial freedom you want!
A wealthier life, every day!
The 6 secrets to live the abundant life you want, now and during retirement!
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Financial gurus want to help you become a millionaire by investing in stocks and real estate. We have some that tell you to be debt-free to achieve financial freedom. Others ask you to invest in an expensive college education.
The reality is that everyone has different goals in life. All this advice is good but does not guarantee a good quality of life. A life of abundance requires learning more daily about what you want. As a matter of fact, it will take about 90% of your energy, time, and money to reach your goals. Even if you accumulate a decent amount of money, you are not guaranteed to live a happy life. Losing a job, bankruptcy, divorce, or health issues will prevent you from achieving your desired peaceful life.
As I said, spending all your resources on making money will not help you find the life you want. In other words, if you focus your resources only on what makes you money, all you will see is money. Recently, we have learned of some individuals who became famous and wealthy, died or became extremely sick, and cannot enjoy their accumulated treasures. I propose living where you allow God to be at the center of your life—for instance, allowing him to guide you with all your family issues, relationships, personal affairs, and professional life. Inviting him to be in your life on a day-to-day basis and obeying him will guarantee you the success you want. Most people skip this step in their lives, and that's the very reason they fail.
As a financial planner, and after helping thousands of clients achieve their goals, even if I help you create the most ideal and perfect financial plan, without God, your plan will mean nothing. Imagine living a life where all your goals are met. A situation where whatever you do has a meaning because you are doing his will—a life full of hope and confidence. A happy spouse and happy kids are one way to see the blessings of God. Money, life, and experience will be more meaningful and exciting.
If you open the Holy Bible and read some of the scriptures, you can begin to start seeing how beautiful life is with God. Every scripture is full of advice, is full of hope, and is full of happiness. For instance, even if you have too much debt to pay, you can start the process of coming close to Jesus today. Jesus, our savior, loves us and wants the best for us. That's the reason why he gave up his life for us. He suffered for us and was tortured, knowing that the payoff for him would be greater than the pain he suffered. Trust him with your finances, and you will see how he can change your life in a beneficial and better way.
Understand how the Holy Spirit of God works in your life, where your body is God's temple, and how his power can improve your life significantly. Through His Spirit, God knows what you need and how he guides every moment of your life when you believe in him and trust in him.
ItRemember one thing: God has provided all that you need for you. For example, when you go to work every day, you use your energy and time to make money. That job you have, God created it for you to give you money. Every hour you work, you are paid a salary. With this money, you can have a place to live, feed, and protect your loved ones. This is very important for you to understand because it can mean a better job, an increase in salary, a thriving business, or a gift. I can provide thousands of examples, but this one is very practical.
This scripture can explain a little bit more about why we should follow Jesus to achieve success
What good will it be for someone to gain the whole world yet forfeit their soul? Matthew 16:26
Money is good, but we must learn how to use it to make daily decisions to improve our quality of life. How you spend your money today will determine how much harder you will have to work tomorrow. To achieve true financial freedom, follow God's principles by building a relationship with Him. This relationship must be daily interaction with him and surrendering your life to him.
Where do I start? Let me introduce you to a money formula I developed about 20 years ago. This concept will highlight the importance of living a life with Jesus.
Here is the money formula to achieve financial success:
Daily Activity or Life Event+
Money{Spend/Invest + Save}
=
Cash Flows
=
Wealth Grows
Wealth Grows When Your Cash Flows money formula will help guide you in achieving financial independence. The importance of this money formula is "Cash Flows" because it assumes that your money is NOT wasted. This assumption requires being aware of the daily activities/events that require the use of money, that proper and effective planning was exercised, that existing priorities/goals were taken into account, that less costly alternatives were taken into consideration, and that the risk-reward factors were carefully evaluated and measured to avoid costly financial mistakes.
Not only will your savings increase SIGNIFICANTLY every year, but your knowledge, planning skills, and money management experience will also be enhanced, which will help protect you from unexpected financial and life challenges such as bankruptcy, losing your job, experiencing an illness or accident, or facing divorce.
When your cash flows, your wealth will grow as well. Here is my definition of wealth:
Any activity/event that requires energy, time, and money AND leads to improved quality of life is considered wealth.
Understanding and applying this definition to your daily activities and events that make you use money will guide you financially. It does not matter if you have a substantial amount of debt today. Make your monthly payments and focus on creating wealth every day. I will guarantee that your situation will be so much better than if you were to focus on the debt you owe.
With over 23 years of helping the average American, Art De La Rosa-Financial Planner, CEO, and Author, shows you how easy it is to build wealth every day!
Financial gurus sell you the idea of limiting your money daily and eating rice and beans or promising you to make you a millionaire fast by investing in stocks, crypto or real estate. There is no shortcuts!
The step number one, in your life, is to identify what makes you the happiest, which is already 90% of the work you want to put in. As the matter of fact, without this step, you will get nowhere.
This is the reason why there are a lot of bankruptcies and divorces in the United States. You will always end up wasting your energy, time and money.
Put those stock charts away, quit researching for properties that can "potentially" make you money, and do not starve your family from delicious foods for something that makes no sense.
If you truly want to achieve financial success, you must do things differently. You must execute a financial plan and a strategy to follow daily to achieve all your goals.
I am an immigrant, and I am 55 years old. I retired from CalPERS, (my regular job as a retirement specialist for 8 years), to do what I love to do the most. Helping people live daily with abundance.
I do not own investment properties. I do not own any stocks. I have small debts that need to be paid. I have a thriving profitable business with huge margins, which came from that 90% of my time I allocated.
I have a loving wife and two wonderful happy kids. I splurge on my family with a great lifestyle and an awesome quality of life. It's all real!
You can download, for free, the financial plan I follow, Wealth Grows When Your Cash Flows, to achieve success.
Truly, the sky is the limit. Protect and do more with your hard-earned money. Live your life to its fullest every single day!
Uncertain about your financial future? Follow the plan that can help you achieve all your personal & financial goals.
Do you want to eliminate debt? Or, buy your home or live a comfortable retirement? How about saving more on income taxes?
Start your own financial plan today!
8 years of experience retiring state & school employees!
Educating clients and the public on money matters!
Retired from my regular job at age 55!
In this video, I, a financial planner, will reveal to you how I went from having zero savings to becoming financially independent in just 5 years.
Learn the secret to building wealth daily and how you do not need to make a lot of money. Making more money is not the answer. Remember, the more money you make, the more you spend. As the matter of fact, not having control or not knowing what you are doing with your money, will keep you in the rat race for money.
By planning proactively, you will put yourself in a situation to become more savvy and resourceful. In addition to becoming richer, you will be happier and more content with your life. Can you set aside 5 minutes a day to strategize and maximize your resources; energy, time and money?
Your physical and mental health is very important to plan for a more fruitful and abundant life. You do not need to invest in real estate or stocks, nor getting a second job to achieve your financial goals. Allocating your resources effectively will be the answer to a lot of your questions.
Don't work too many hours on hard work. Spend your time enjoying your loved ones and improving your quality of life every day. Watch this video to see what's needed to become financially independent.
Tracking your spending, by nature, tends to be boring and difficult. However, approaching your finances in a manner that allows you to learn about your spending, as well as improving your planning skills, can help you save an extraordinary amount of money and grow your wealth.
Your personal financial plan will successfully help you maximize your money. Doing so, it is crucial to understand the "Daily Activities/Events" that trigger the spending. In other words, writing daily "FINANCIAL WORKOUTS" that include every single activity/event that makes you use money will be the key to saving BIG every single year and accumulating the wealth you desire.
Make sure you get the right financial advice to effectively achieve your financial goals. Financial planning pays off!
The Secret to Success
The secret to achieving financial success is the allocation of your money. No 6-figure job, business idea, skills or degree will guarantee you financial success.
Learning how to maximize your energy, time & money daily will ensure your financial success.
Our Advice is Based On These Principles
If your goal is to build more wealth, you must make the most of your money. Making money is just one part of the equation, and requires all of your energy, time & money. By following a customized easy-to-follow financial plan, you will be able to keep more of the money you make and insure your success. It's not what you make, it's what you keep that counts!
Use debt to your advantage. Eliminate unnecessary debt. Getting the right financial advice and using debt the right way, it can ultimately improve your quality of life and make you wealthier. Create and follow a personal financial plan to effectively manage your debt.
Every day you have an opportunity to improve your quality of life. Getting the right financial advice will help you plan and achieve the American dream. Your personal financial plan will help you make your daily decisions. Financial planning is the key to making the most of your money.
Improve your quality of life every day by being creative & resourceful. With the right financial advice, you can create different sources of income that will pay you for your entire life!
We are here to assist you in achieving your goals!
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