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Senator and presidential candidate Elizabeth Warren made the 50/20/30 budget plan popular in her book “All Your Worth”.[i]  In her book Warren outlines that you should spend 50% of your income to pay for things you absolutely need.  This includes: Housing costs Transportation costs Groceries, Clothing, and Utilities Insurance premiums Minimum debt payments on credit …

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Many budget systems give you a good feeling as you start, but cannot produce the sustainable results you need to build real prosperity. As an example take Senator & Presidential candidate Elizabeth Warren’s book which recommends a 50-20-30 budget system. This budget system reminds you of a typical government budget when you realize that only …

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How the 10-20-70 Budget System works and how to track it

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Budgeting EP.87

Type: podcasts

This week on Wealth Talks Tom and John talk about the keys to a successful budget. Listen to this episode and discover how a percent based budget can provide you more freedom and scalability than a traditional flatline budget based on fixed expenses. Transcript: Tom: Welcome to Wealth Talks where we talk about solutions, money …

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What is a Roth IRA A Roth IRA is an account which accepts non-tax-deductible contributions and allows tax-free growth for the entire life of the plan. Roth IRAs were born in 1997 through the Taxpayer Relief Act. The bill was co-sponsored by Senator William Roth of Delaware and Senator Bob Packwood of Oregon. They designed …

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You’ve heard it over and over again – start saving for retirement as soon as you can. Most people aim to retire by the age of 65, but the truth is the ability to retire isn’t determined by your age. Many strive to create an attainable pathway to a comfortable retirement but being able to …

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Thinking about the future and retirement can seem so far away, but it’s important to start saving early on in your life to prepare for the most success. 401(k) plans and Roth IRAs are two popular forms of retirement savings. While they may differ when it comes to tax treatment, investment options, and employer contributions, …

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Procrastination is a killer!  It kills time, it kills ideas, it kills progress, and it kills opportunity.  In short procrastination kills the future. Interestingly, procrastination is not something that is easily identified, especially by those who are involved in it.  But the consequences of procrastination are similar to the consequences of losing something of value.  …

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What are you worth?

Type: podcasts

What are you really worth? Americans used to save over 14% of what they made, but now Americans are hardly saving at all. Many people don’t feel they are worth anything, and hence they don’t save anything. This is tragic! How much should you save? Some say you should have enough saved to live on …

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When there are changes in the housing market, everyone seems to be talking about buying or selling houses. If you’ve thought about buying a house, it’s important to do the right research, because this is one of the biggest financial decisions you will make.  A house is the place where you and your family will …

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