What if I told you that for every 💸 five dollar bill you gave me; I'd give you twenty dollars back? How many would you give me? Would you run to the bank and remove all the money in your checking account and have them cash it out in $5 bills? I think most of us would!! Well, what if you had to wait sixteen years to get your money back? Now that we are 3 days into 2026, let's make this year the example in this scenario. Let's say you have all of 2026 to give me as MANY $5 bills as you want, and in 2042, 16 years from now, you will get back $20 for every $5 bill you invest now. Would you still empty out all of your savings? Maybe you would need to strategize a little better... but how much money would you dedicate to this investment? Let's say you get paid every week, and you decide to invest $20 from every paycheck you receive. ☑️$20 x 52 (weeks) = $1,040 sixteen years later, you would receive $4,160. Not bad... but what if you could do more? You may have to give up that daily Starbucks run, or maybe cut going out to that fancy restaurant or meeting your friends for cocktails one night a week... But what if you were able to put away $300 a month instead? ☑️$300 x 12 (months) = $3,600 sixteen years later, you would receive $14,400. What if you did this every year, for the next 10 years, and each year, that same money could continue to grow for an additional sixteen years? Hey, if you've already changed your daily habits to incorporate monthly savings for one whole year, then why not keep it up?! By doing this, you are now able to save up and grow over $300,000! And all because you chose to save $75 a week, instead of going out to eat and spending that same $75 bucks. Many people say they would love to have such an opportunity. To have this money grow while they're sleeping, playing, hanging with family or friends, working, vacationing, etc. What if each and every one of us DOES have this opportunity? We just need education on where to save, and how to save so that our money can compound and grow interest.

With this being the big “shopping weekend” I like to ask how you budget or plan for how you spend over the week of Thanksgiving? Many people talk about not having money over the holidays, but how are they preparing for it? Is it worked into the annual or monthly budget? Should it be? 🍲🍗First, people often spend more on food with Thanksgiving; many travel to be with loved ones for the holiday too. 🛍️Then there is Black Friday shopping (which now seems to fall over more than a week somehow). 🎁And finally, we have cyber Monday, and giving Tuesday! Did I miss anything? If you are interested in a free financial needs analysis to assess your budget, let us know. You can be scheduled with a licensed financial professional for a complimentary assessment.

Ever wonder what it really takes to hit that first $1,000,000? 🤔 Here’s the crazy part — it’s not about luck 🍀, it’s about consistency 📈 Check this out 👇 If you invest just $500 a month and earn an average of 10% return, you’ll have…💎 $1 MILLION in about 30 years! That’s the power of compound interest — your money starts working harder than you do! 🔥 💬 Drop in the comments:What age would you want to hit your first million by?Let’s see who’s dreaming big! 💭💸 #MillionaireMath #CompoundInterest #WealthMindset #FinancialFreedom #LegacyBuilding #MoneyTalks #SkoolCommunity

Ever wonder how much debt is “too much” when it comes to buying a house, car, or taking on loans? 🤔 👉 Enter the 28/36 Rule — a simple number formula lenders use to see if you can afford debt (and YOU can use it to stay financially healthy). 🏦 ✨ Here’s how it works: 1️⃣ 28% Rule → Your housing costs (mortgage, taxes, insurance) should not be more than 28% of your gross monthly income. 2️⃣ 36% Rule → All your debt combined (house, car, credit cards, student loans, etc.) should not be more than 36% of your gross monthly income. Example:📌 If you make $5,000/month → - Max housing = $1,400 (28%) 🏠 - Max total debt = $1,800 (36%) 💳 Go above these numbers, and you risk becoming “house poor” or “debt trapped.” 🚫 ✨ Why it matters: - Keeps your budget balanced ⚖️ - Helps you qualify for loans ✅ - Prevents lifestyle creep 😅 💭 Let’s chat: 🔹 Do you think most people today live above or below the 28/36 rule? 🔹 Be honest — do YOUR numbers fit the rule right now? 🔹 What would you cut first if you were over 36%? 👇 Drop your answers — this is where the money talk gets real! 💬💸

In 1494 the Italian Mathematician Luca Pacioli published "Summa de arithmetica, geometria, proportioni et proportoionalita" where he introduced the Rule of 72. Though this is the first known mention of the rule, it is likely that the rule was already in use prior to Luca referencing it. The rule or 72 did not become widely known until nearly a century later. Even Albert Einstein is known for saying "There is no force more powerful than compound interest" and he used this simple estimate to calculate how many years it would take for an investment to double in value, based on the rate of return (RoR) or the interest rate at which it grows. However, on the flip side, this calculation of 72 as an approximation can also be used to halve a value. For instance, 72 divided by the inflation rate, equals how many years it would take to halve your money. So if inflation goes up by 3% every year, then in approximately 24 years, your annual income would be worth half its current value. Meanwhile, if your investments are growing at a rate of 8%, then the money in the accounts is doubling in size every 9 years. To truly understand the effect of an account, you must first understand how the RoR affects the money within it. Knowing this now, which option below would you say is the most important, or the one that you would want to complete first? Things to Consider: How are you currently using an interest rate to work in your favor and grow your money? How are interest rates working against you in your life? Are you saving your money in a location that it is depreciating faster than it is growing due to inflation? What if there are options where you can double your money even faster that what you are currently doing? Would you want more information on those types of accounts?