Greetings, friends— There are 26 days left in the year. Plenty of time to do something small that becomes something big. Let me tell you a story. A while back, my brother-in-law and I were taking a friend fishing. Naturally, that meant a mandatory stop at Lone Peak Provisions for the best donuts in Bozeman. But when we got to the counter, the register was down. No cash, no card, no donuts. Before we could even shrug, a voice behind us said: “No worries. I’ve got you covered.” The man’s name? Peter Billion. Yes—that Billion, from Billion Auto Group in Bozeman. He didn’t just buy our donuts. He bought the next guy’s, too. Just so the shop wouldn’t lose the sale and everyone could walk out smiling. 😊 I promised I’d pay him back someday. Then life went on—fishing trips, work, errands, the usual swirl. Fast-forward to today. A friend invited me to lunch and wouldn’t let me pay, leaving me with a crisp twenty in my pocket. And as I’m driving through Bozeman, I pass—of all places—Billion Auto Group. So I pulled in. I met a salesman named Lyle, told him the donut story, and asked if he could pass along the $20 to Peter. Lyle laughed. “He won’t take it,” he said. “That’s not who Peter is.” Then he lifted his pant leg. Titanium prosthesis. He told me how he’d broken his leg skiing in Jackson Hole, developed sepsis, endured multiple surgeries, and eventually had to amputate below the knee. Turns out, the injury, secondary infection, and operations to treat them put Lyle out of work for three years. And every time he woke up from surgery, Peter and his father were in the room. Every time, the first ones to make sure he was okay and to wish him well. And you guessed it…Peter kept him on payroll the entire time, and never pushed or hurried Lyle to get back to the sales desk. Then Lyle told me about another employee—struggling with alcohol. Peter bought two plane tickets, sent the man and his wife to Mayo Clinic, slipped him $1,000 for expenses, and said:

Greetings! It’s Thursday, December 4th, 2025. There are 27 days left in the year. Good news for planners, savers, and strivers: Fed Funds Futures—the market’s real-time prediction engine—now shows a steady glide path downward for interest rates through 2025 and into 2026. And when the Fed moves, your money feels it. 🏡 Mortgages Get Cheaper (Slowly) Lower rates can reopen the housing market and improve refinance math. 👉 Planning move: If a home purchase or refi is on your 2026 radar, conditions may be friendlier ahead. 🚗 Auto Loans & 🎓 Student Loans Ease Up Car loans and private student loans price off short-term benchmarks. 👉Planning move: Big purchases may come with better financing opportunities next year. 💳 Credit Cards Won’t Help You Much APR drops will be tiny. 👉Planning move: Paying off revolving card balances right now is one of the highest-return decisions you can make. No Fed meeting can beat guaranteed interest saved. 💰 High-Yield Savings Won’t Stay at 5% Forever As rates fall, today’s rich yields will drift back toward 3–4%. 👉Planning move: Lock in short-term CDs or start shifting excess cash toward long-term growth. 📅 The Big Takeaway 2025 is the setup. 2026 is the opportunity. Lower borrowing costs + easing inflation pressure = a chance to reset, rebuild, and reposition your finances for the decade ahead. millionaireME question of the day: What would you do differently if borrowing got cheaper and saving paid slightly less—and what can you start doing today to get ahead of that curve? Follow millionaireME for more wealth (and health) wisdom. millionaireME | Happy • Healthy • Wealthy • Wise 🐷🪽

Greetings! It’s Wednesday, December 3rd, 2025. There are 28 days left in the year. What if every American child could start with a real savings account — not a piggy bank, but a professionally managed investment account — the moment they’re born? That’s the bold new promise behind Invest America (also known as the “Trump Accounts”). - Under this new law, children born between January 1, 2025 and December 31, 2028 get a $1,000 seed deposit from the federal government to launch their account at birth. - Families or guardians — and even friends, relatives, or employers — can contribute up to $5,000 per year per child into the account, which is invested in broadly diversified U.S. stock-market index funds. - Sign-ups open July 4, 2026. But that’s not all. Step in Michael Dell and Susan Dell — through their foundation, they just pledged $6.25 billion to supercharge the program. Their gift will seed 25 million additional accounts with $250 each for children under age 10 who wouldn’t otherwise qualify for the $1,000 federal deposit (typically because they were born before 2025). 📈 Why this could be a game-changer Compound interest is the closest thing we have to a magic wand for wealth creation. A $1,000 (or $250) head start, invested early — and added to regularly — can snowball into meaningful capital over 18 years. Even modest annual contributions could make a massive difference, especially for children whose families commit to steady saving. At age 18, the child will have full access — and if used for education, a first home, or starting a business, this could launch their adult-life trajectory in powerful ways. The account behaves like a “kid’s IRA on steroids.” That’s especially exciting for families already following the millionaireME mindset: save early, invest wisely, stay disciplined, build generational wealth. 🌱 A golden opportunity for millionaireME For the same kids — and their parents — who embrace millionaireME’s principles of financial discipline, this rollout creates fertile ground.

Happy Giving Tuesday, friends. There are 30 days left in the year. Today’s reminder is simple: you don’t need wealth to be generous, and you don’t need complexity to make an impact. In fact, the simplest forms of giving often change us the most. A kind note. A hot meal. A small monthly donation. A ride, a prayer, a listening ear. These don’t require elaborate planning—but they absolutely reshape the heart. The research is clear, and the experience is clearer: generosity is one of the quickest paths to greater happiness, lower stress, and a stronger sense of purpose. And as your capacity grows? There are more advanced tools that help you give with intention: • Donor-Advised Funds (DAFs) for years when you want a deduction now but plan to give later. • Qualified Charitable Distributions (QCDs) for those 70½+ who want their IRA RMDs to go straight to the causes they love—without increasing taxable income. • Charitable Remainder Trusts (CRTs) for those with appreciated assets who want to create income and ultimately bless a charity. These sophisticated tools matter—but not more than the first, simple act of generosity in your home, your neighborhood, or your community. At millionaireME, we talk about happy, healthy, wealthy, and wise because a well-lived life isn’t just about accumulation. It’s also about circulation—letting blessings flow through you, not just to you. So here’s your Giving Tuesday nudge: What’s one small, meaningful gift—time, talent, or treasure—you can give today that leaves you better than it found you? #UnleashYourInnerTBA millionaireME | Happy • Healthy • Wealthy • Wise 🐷🪽

Greetings! It’s Monday, December 1st, 2025. Including today, there are 31 days left in the year. Per the headline above, here’s the uncomfortable truth behind this year’s Black Friday–Small Business Saturday–Cyber Monday trifecta: Americans are spending more…but getting less. Total dollars are up, but items per purchase are down. Prices climbed, yet baskets shrank. And the gap between spending and affording is being bridged by something dangerous: Borrowing. More than ever. BNPL usage hit record levels. Credit card balances climbed again. Even basic holiday shopping is now being financed—sometimes weeks before December even starts. Whether you fall into that camp or not, the takeaway is the same: Debt never sleeps—and every excuse, financial or otherwise, is a debt you must pay later. But here’s the good news. There’s a simple, powerful wealth hack that helps reverse almost any debt challenge: Make weekly payments toward: - Debt principal (student loans, auto loans, credit cards, even mortgages), - Emergency savings, and/or - Short- and long-term investing. Weekly > monthly. Why? Because momentum loves frequency. And when you make money move every single week, three things happen: 1. You outpace interest. Less accrues because you’re reducing the principal sooner. 2. You rewire your brain. Wealth becomes a rhythm, not an afterthought. 3. You build capacity. Paying yourself becomes normal—not heroic. This is how you shift from “I hope things get better” to “I’m making things better.” This is how you avoid being one of the households overspending for the holidays while under-saving for their future. And this is why, inside millionaireME, we preach a simple principle: Pay yourself now so you can buy only what you can afford later. Because financial freedom isn’t about avoiding spending—It’s about avoiding regret. CTA: What’s one weekly payment you’re willing to start this month—toward savings, investing, or debt payoff—to change your financial story in 2026?