Financially Optimized

Financially Optimized Become financially free - Transforming people into FINANCIALLY OPTIMIZED individuals and families.

If you want TIME FREEDOM and financial independence - you'll LOVE this community.

09/21/2021

What's the difference between financial independence and financial struggle?
..

INTENTION

It doesn't happen by accident.... decide and then move one step at a time toward your financial goal.

Not sure what's the first step?

Send me a message.

There's a reason the financially savvy are obsessing over this course. Finally --- take the guesswork out of becoming fi...
09/16/2021

There's a reason the financially savvy are obsessing over this course.

Finally --- take the guesswork out of becoming financially free.

The Money Builders Course will guide you to save more, have more money available to invest, so you can make money while you sleep.

Learn more here > > > https://save.financiallyoptimized.com/money-builders-course

09/08/2021

Just because you CAN buy it, doesn't mean you SHOULD.

I WISH I HAD THIS WHEN I WAS YOUNGERQuick Tip Tuesday: Retirement Contribution Order/SequenceIf you want a simple plan t...
08/24/2021

I WISH I HAD THIS WHEN I WAS YOUNGER
Quick Tip Tuesday: Retirement Contribution Order/Sequence
If you want a simple plan to follow for most situations regarding retirement contributions - save this image.

Passive income ideas don't necessarily have to be income generators only - they can be income 'savers'.
08/23/2021

Passive income ideas don't necessarily have to be income generators only - they can be income 'savers'.

08/20/2021

A Word About "Retirement"... I HATE that word...
Retirement - Where you crush it your whole life saving enough so that you can live off your retirement savings. The sooner you build up the nest egg the sooner you retire, right? So you sacrifice what's actually more important than work (family, relationships, spiritual, physical, etc...) so you can eventually enjoy those things. By the time you can "retire", you are likely too old, too tired, relationships are too strained, and kids are long gone. STOP

THERE'S A DIFFERENT WAY TO THINK ABOUT "RETIREMENT". Change your mindset - watch this video.

Q&A Wednesday: "When should I get a financial advisor or a financial coach?"In sports, everyone has a coach. Imagine the...
08/18/2021

Q&A Wednesday: "When should I get a financial advisor or a financial coach?"

In sports, everyone has a coach. Imagine the Kansas City Chiefs without Andy Reid. The Golden State Warriors without Steve Kerr. A coach is a necessity to help you as a player in the financial game of life to help you see the game differently, help you call plays for your current situation, call a timeout when things get a little too heated. They are there to guide you to be your best self.

Everyone needs coaching in their lives. Few people realize how much value a coach is to their financial journey until they look back on their lives and see the plateau and realize it could have been avoided if they had the right guidance. Those who do see the value in a coach find they can accelerate their path to financial independence because they save themselves years and years of what not to do.

You see, when you hire a coach you are paying him or her for their expertise, to help you avoid the mistakes that they and others have made, to save you time, money, and to accelerate your path to financial freedom.

The real question should be, why doesn’t everyone have a coach?

Do you realize that every year your net worth may be going down instead of up?!!!Owning that depreciating asset means yo...
08/13/2021

Do you realize that every year your net worth may be going down instead of up?!!!

Owning that depreciating asset means you are losing net worth every year by owning it. So reduce depreciation assets!!!

Just a thought...

Step #1 to achieving financial independence: Tracking. How are you doing with tracking your expenses? Easiest way to tra...
08/12/2021

Step #1 to achieving financial independence: Tracking.

How are you doing with tracking your expenses?

Easiest way to track - Mint.com.
Create a mint.com account, link your bank and credit accounts, and start tracking what you spend and where.

It's easier to save money than it is to earn more - so knowing what you spend will help you find 'the leaks' so you can 'patch them up'!

Q & A Wednesday: "I want to retire early and I've maxed out my retirement contributions, where do I go from here?"Short ...
08/11/2021

Q & A Wednesday: "I want to retire early and I've maxed out my retirement contributions, where do I go from here?"

Short Answer: If you want to retire before you are able to access your retirement accounts (typically 59.5 yr old), then you need to build up enough passive income and investment accounts to bridge the gap between your early retirement age and 59.5 yrs old.

That means you need to start investing outside of your retirement vehicles (401k, IRA, HSA, etc...) so that you start generating passive income to live on during the gap years.

A solid first step is to open a brokerage account with one of the major stock brokerages (fidelity, vanguard, etc...). Identify a low cost index fund to start contributing to outside of your retirement accounts. Set up automatic contributions and reinvest dividends. Doing this first step will set you apart from the majority of people.

Quick Tip Tuesday - a Health Savings Account (HSA) is the ultimate retirement planning tool. If you are not utilizing th...
08/10/2021

Quick Tip Tuesday - a Health Savings Account (HSA) is the ultimate retirement planning tool. If you are not utilizing this, be sure to learn more about it before you dismiss it in your own financial strategy.

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