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Articles by Justin Krane

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66 articles by Justin Krane · showing 50

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By Justin KraneRecently publishedTopic pending

Should You Still Short Sell Stocks

The Dow was at 11,000 5 years ago. And as I write this, it’s at 11,000 today! The Dow’s price hasn’t changed but the amount of stock held short (basically people betting that stocks will go down. Read below for an explanation of how short selling works) is higher than 5 years ago (Data Explorers.) What’s up with that? Why are people betting against stocks? We have a U.S. economy that isn’t going well. Europe is trying to straighten itself out. Our government can’t get anything done. We have no job growth. And home prices are still trying to stabilize.

Primary topic: Recently published

Recently published

867 views

By Justin KraneRecently published1 topic

What Is Yoda’s Retirement Plan?

Remember Yoda? The short little bald guy in Star Wars? He lived for 900 years! What did that guy eat for breakfast? Wheaties? Kale? Thin Mint Girl Scout Cookies? He must’ve had great jeans (levi’s, true religion, 7 for all mankind). He also probably meditated, exercised, and took some serious supplements. Ya think Yoda ran out of money? How much money did he have in his 401k? Do you think he saved enough? Who knows, maybe he had an annuity or something. He probably invested in Google before it went public. What if you live a lot longer than you think you will?

Primary topic: Financial Freedom

Financial Freedom

1,762 views1/5 (1)

By Justin KraneRecently published1 topic

Mortgage Refinance to the Rescue

Refinancers, HARP on This! A few years ago, you bought a house. You came in with your 25% down. And... poof, today, you've got nada, zilch, nothing, no equity in your house. It's gonzo and a mortgage refinance is next to impossible. Some of your peeps are able to do a mortgage refinance and go from a 5% mortgage to a 4% mortgage. Their mortgage payment drops by $200 to $300. But you haven't been able to refinance because your house is worth way less than your mortgage. Doesn't that just stink!?!

Primary topic: Financial Freedom

Financial Freedom

1,098 views

By Justin KraneRecently published1 topic

Your Financial Life for 2013

More of the same equals more of the same. You want a different financial life for 2013? Shake it up a bit. Shake that booty. Stir the pot. Seriously, let’s get this pahtay started right now, Pirate’s Booty style. Check that. Gangnam style. Different actions could yield different results . . . Think how much better you could feel if you actually had a financial plan for your life. . . Here’s my list of actions to shake ya booty for a different financial life:

Primary topic: Financial Freedom

Financial Freedom

814 views3/5 (2)

By Justin KraneRecently published1 topic

Job Growth Is Good For Business

Job Growth Means Money in More People’s Pockets What’s going on with all of the jewelry buying at malls? Are they giving this stuff away for free? Why are there more customers in these stores? And where are they getting the cash? First off, it’s affordable. But moreover, it’s the fact that more people are working. Yep. More people are getting jobs. And job growth is good for business. I didn’t put 2 and 2 together until the Dow (stock market indicator) hit 14,000. The stock market is a leading indicator for how well the economy will do.

Primary topic: Financial Freedom

Financial Freedom

1,010 views2/5 (1)

By Justin KraneRecently published1 topic

A Laddered Bond Portfolio Can Reduce Nausea

Bill Gross is the bond king. He manages the largest actively managed bond fund called Pimco Total Return, with $240 billion in assets. This is one of the first years in a long time that he has underperformed his benchmark. From Jan 1, 2001 through 9/30/2011, his fund is up 1.90%, vs. his benchmark which is the Barclays US Aggregate index (source pimcofunds.com). He made a bet that US Treasuries were going to go down in price and instead, they went up.

Primary topic: Financial Freedom

Financial Freedom

1,135 views

By Justin KraneRecently published1 topic

Gain Leverage in Your Business

Leverage. One of the biggest words you need to focus on in business. It’s about getting the best bang for your buck – or your best use of your time.

Primary topic: Financial Freedom

Financial Freedom

1,152 views1/5 (1)

By Justin KraneRecently published1 topic

Your Biggest Financial Risk

When it comes to investing, many of us are so conce ed about losing money that we forget why we are investing in the first place. We are investing to reach some goal, some goal that we set in today’s dollars in our minds. When we plan for a goal that is far away, say 10, 15 years in the future, like retirement, we need to be reminded of the bigger risk to not achieving that goal– inflation. Remember when it used to cost $5 to go to the movies, or $20 to fill up your car? How about when the price of a stamp was 20 cents?

Primary topic: Financial Freedom

Financial Freedom

724 views

By Justin KraneRecently published1 topic

Did the Poof the Magic Meister Getcha?

Where did all of the money go? I hear it all of the time! My clients tell me – Justin: “It comes in . . . and then “poof, it’s gone!” Poof, the magic meister could getcha every time. You feel like you are making decent money, but when you look at your profit, the money is gone. Poof took it to the city of Kaputnicksville (Yiddish for the Land of the Lost – I loved that show!). What you don’t know is that you are Poof! Aha! We gotta find the money. So let’s get to work and put on our thinking caps!!

Primary topic: Financial Freedom

Financial Freedom

1,209 views1/5 (1)

By Justin KraneRecently published1 topic

Investors – Grow Your Portfolio

Investors is your portfolio growing or withering? It’s crazy. It’s wild. And it’s the real deal. And it’s not my big hair. It’s why some investors can’t make even 5% on their money per year over a 20 year period to grow their portfolio.

Primary topic: Financial Freedom

Financial Freedom

1,387 views2.5/5 (2)

By Justin KraneRecently published1 topic

A 401k for Your Employees?

This July, 401k participants will receive more disclosures about the fees they are paying inside their 401k plans. The Department of Labor wants more transparency and more disclosure on what kind of fees employees are paying inside their 401ks. Why? Because many employees have no idea how much they are paying in mutual fund fees. A recent survey by AARP said that 71% of people saving for retirement thought they didn’t pay any investment fees whatsoever.

Primary topic: Financial Freedom

Financial Freedom

1,489 views

By Justin KraneRecently published1 topic

The Ins and Outs of Employee Stock Purchase Plans (ESPPs)

If you work at a public company, chances are that your company offers you a way to buy stock in your company at a discount. It’s a way of saving and investing automatically where your investment gets deducted from your paycheck. There is no tax deduction – you are using after tax money to buy your company stock. The discount can range from 5-15%. Most plans allow their employees to save between 1-10% of their pay (or a specific dollar amount) which is withheld to buy stock during an offering period.

Primary topic: Financial Freedom

Financial Freedom

707 views

By Justin KraneRecently published1 topic

Hiring Employees: 4 Things for Your Must-Do List

Hiring employees? Do it the right way. You can’t build an empire all by yourself. You know that. You know you can’t wear all the hats because you’d drive yourself crazy trying to grow your business. So chances are, you’re hiring employees. Here are 4 things to put on your must-do list when hiring employees: 1. Create an Employee Handbook.

Primary topic: Financial Freedom

Financial Freedom

869 views

By Justin KraneRecently published1 topic

Tax Planning and Your CPA

Want Smooth Sailing for Your Tax Planning? Get Your CPA On Board. Taxes, tax planning, estimated tax payments, your CPA. Feeling nauseous yet? Need a brown paper bag? It doesn’t have to be this way. Like most people, you are not wired to deal with this tax stuff. You are not supposed to be great at tax planning! You are busy doing other stuff.

Primary topic: Financial Freedom

Financial Freedom

837 views

By Justin KraneRecently published1 topic

Give Them That Wow Factor

It’s a giant trampoline with a basketball hoop inside of it. I had no idea how much my kids would love that trampoline. They are on that thing every time they are at my parents’ house. This trampoline is a kid magnet. They never get bored with it. Once they go in, they stay in forever. Why? Because it makes them feel good. It’s a big wow factor. That trampoline makes them feel like they have super jumping powers. What kid doesn’t like the feeling of jumping up to the sky?

Primary topic: Financial Freedom

Financial Freedom

1,303 views2/5 (1)

By Justin KraneRecently published1 topic

Become a High Performer

What's Your Risk Tolerance Are you a high performer like Mia Hamm, Kobe Bryant or Roger Federer? What’s up with these 3? They bring it every time. They don’t go through peaks and troughs. They have sustained high performance, and that’s what makes them champions. They make being a high performer look so easy-peezy lemon-squeezy. So what does it take for you to be a high performer? And how can you be a high performer on a consistent basis? And what will it take for you to read this entire post? Are you checking out yet? Stay with me. Read this. Here’s my list:

Primary topic: Financial Freedom

Financial Freedom

1,148 views3.5/5 (2)

By Justin KraneRecently published1 topic

Is a Roth IRA Conversion for You?

When people ask for suggestions on financial planning opportunities, I tell them two words. Roth IRA. How great would it be if you didn't have to pay taxes when you take distributions from your retirement account when you retire? Maybe you could retire earlier! Or you may be able to save less for retirement! Maybe you could take 2 huge vacations in retirement rather than 1! So what are the advantages of a Roth IRA?

Primary topic: Financial Freedom

Financial Freedom

945 views

By Justin KraneRecently published1 topic

Did You Buy Real Estate As a Kid?

Real Estate Can Help You Build Wealth Remember playing the game Monopoly? You had all of the cash. You were raking in the dough. You bought real estate . . . and you built houses. You were killin’ it! People would land on your properties and they would have to pay you rent. Cash money baby! This passive income stuff doesn’t have to be pretend. It can actually happen in the real world . . . to you . . . if you are smart about it. For reelz. For your personal finances – I’ve got one idea for you that is right under your nose. Go look in the mirror. It says real estate.

Primary topic: Financial Freedom

Financial Freedom

1,614 views1/5 (1)

By Justin KraneRecently published1 topic

Know Your Competition

Make no mistake. Your competition is spying on you. Wait, let me clarify that. Your smart competition is spying on you. They are trying to be different from you and everyone else. Your competition is adopting their own “Blue Ocean Strategy”(great book) in how they really separate themselves and rise to the top in business. Think about what rising to the top would mean to you. More money, personally growing, making a big impact in your industry – getting your mojo back. Study your competition. What’s working for them and why? Here are a few items for you to research and think about:r

Primary topic: Financial Freedom

Financial Freedom

1,233 views

By Justin KraneRecently published1 topic

The Dust Settles Around Facebook

Did you buy Facebook at $38 when it came public? Let’s talk about Facebook the stock. It’s now at $21.05. In other words, it’s down $17 or 44%. Facebook has almost one billion people on their site yet the stock went down. What happened here? Why has the stock gone down and what can you learn from Facebook as an entrepreneur, especially when you are going to sell your business?

Primary topic: Financial Freedom

Financial Freedom

1,012 views2/5 (1)

By Justin KraneRecently published1 topic

Behavioral Finance – Part 2

Behavioral finance is a type of finance that examines the psychological aspects about how we make decisions about money. This is part two where we will examine two more theories of behavioral finance and how it effects our financial decisions. The first one is called “anchoring bias” and to better understand this theory, let's consider a few scenarios. Why is it that when we buy a stock for $10, and then it goes to $7, we immediately think about selling once it goes back to $10?

Primary topic: Financial Freedom

Financial Freedom

1,489 views3/5 (2)

By Justin KraneRecently published1 topic

Whole Life Insurance

Many business owners poo-poo whole life insurance because they say it’s too expensive. Instead, they say buy term insurance (which is cheaper) and invest the rest. But the thing is, most people don’t end up investing the rest. So the money ends up going to other things. But for some business owners, whole life insurance may be just what the doctor ordered.

Primary topic: Financial Freedom

Financial Freedom

1,229 views1/5 (1)

By Justin KraneRecently published1 topic

Getting a Business Loan

Before You Apply For That Business Loan . . . The landscape certainly has changed for small businesses when it comes to getting a business loan. What used to be green terrain has become pretty barren and bleak. In fact, having access to capital is one of the biggest issues for small business today. But the day is going to come when your business needs a loan and it doesn't have to be all doom and gloom. Here are 6 things you need to prepare that will help with getting that business loan.

Primary topic: Financial Freedom

Financial Freedom

873 views

By Justin KraneRecently published1 topic

Your Investment Portfolio and Risk

Manage Your Investment Portfolio Like Goldilocks Yep, I’m going with the Goldilocks tale to talk about your investment portfolio. Not too hot and not too cold. Goldilocks wants her porridge just right. So you have your portfolio and you’re trying to grow it but not lose it. Too hot is taking too much risk, and too cold is taking too little risk. You have to take the right amount of risk to generate enough of a rate of return to make things just right.

Primary topic: Financial Freedom

Financial Freedom

1,414 views5/5 (1)

By Justin KraneRecently published1 topic

What's Your Risk Tolerance

Your portfolio is about risk tolerance We all want to make money when we invest. We start out investing as long term investors and think we can ride out the crazy stock market. Sometimes we think we are more aggressive risk takers than we actually are. We are prepared to take risk and make big money. But when the ship hits the fan and we are down serious money, some of us get white knuckles, cash out and sell.

Primary topic: Financial Freedom

Financial Freedom

810 views3/5 (2)

By Justin KraneRecently published1 topic

Upgrade Your Business Model

Is Your Business Model Generating More Money or More Stress? Business model, shmizz-ness model. I used to poo poo this term until I started studying how successful entrepreneurs think and really strategize their businesses. Your business model is basically how your business makes money. For example, how you attract prospects, convert them into clients and make a profit.

Primary topic: Financial Freedom

Financial Freedom

914 views3/5 (2)

By Justin KraneRecently published1 topic

Tax Loss Harvesting - Making Lemonade Out of Lemons

Has the volatility of the stock market got you thinking about what to do? Now may be the right time to make your own lemonade stand. Consider doing some tax loss harvesting.

Primary topic: Financial Freedom

Financial Freedom

572 views

By Justin KraneRecently published1 topic

4 Year CD Goldman Sachs Style

New 4 Year CD Tied To DJ Industrial. Will Wall Street Ever Learn? Check this out. Goldman Sachs is selling a 4 year CD that is linked to the Dow Jones Industrial Average. Another product designed by Wall St. to be sold rather than bought by investors.

Primary topic: Financial Freedom

Financial Freedom

1,153 views

By Justin KraneRecently published1 topic

Pay Down Debt or Invest In Your Biz?

You want to pay down your debt. But you’ve been making the same money for the past 2 years. You know that something has to change. Or it’s just going to be same sh** different day. You totally want to upgrade your website, hire an employee, get a MacBook Pro, and invest in social media. But your credit cards/ other debt are killin’ you. Why, because you are spending $200 a month in interest. That $200 could go to a new logo or some software you really need.

Primary topic: Financial Freedom

Financial Freedom

807 views2.3/5 (4)

By Justin KraneRecently published1 topic

Do You Have Business Liability Insurance?

Business liability insurance isn’t a luxury. It’s a necessity, unless you like lawsuits. You’re a physical therapist with your own business. You’re crushing it in your biz and then boom! Out of nowhere, one of your old clients sends you a letter and is suing you. Oh man! He’s suing you because he tripped and fell inside your waiting room. Your heart’s racing, you know you did nothing wrong, but the last thing you need is to deal with this. This guy turned out to be a real nut. What a joker! Major oy vey. You gotta deal with this lunatic.

Primary topic: Financial Freedom

Financial Freedom

1,036 views

By Justin KraneRecently published1 topic

Let’s Hug It Out With Bonds

4 Reasons Why Bonds May Fit In Your Portfolio We’re going to take a peek at how bonds could fit into your portfolio and why you would want to buy them. 1. Your portfolio lost over 30% in 2008. You are approaching retirement and you don’t have the earnings power to make up huge losses anymore. 2. You have realized that your tolerance for risk has decreased for whatever reason. You just can’t stand to lose as much money as you did in your earlier investing years.

Primary topic: Financial Freedom

Financial Freedom

662 views

By Justin KraneRecently published1 topic

Behavioral Finance – Part 1

Behavioral finance examines the psychological aspects about how we make decisions about money. This is part one where we will examine two theories of behavioral finance and how it effects our financial decisions. Hopefully, you'll have a better understanding of which and how these theories apply to you. The first is “loss aversion.” Ever buy a stock that plummets with little potential of recovery? It becomes very hard for you to sell and take a loss. Over the years, it sits on your statement and sometimes even loses more value.

Primary topic: Financial Freedom

Financial Freedom

1,316 views3/5 (2)

By Justin KraneRecently published1 topic

Invest in Your Business or Retirement?

Whether To Invest in Your Business or Retirement. It’s Not an Either-Or. I get this question all the time from business owners about where to invest. Should you invest in your business or should you invest in an IRA for retirement? My simple shpiel? You have to do both. Then I hear this from other clients: Justin, I feel like I have no control over what happens to the stock market! I’d rather just put my money back into my business. I get it. I feel your sense of having more control in your business but . . .

Primary topic: Financial Freedom

Financial Freedom

886 views

By Justin KraneRecently published1 topic

Long Term Care Insurance

What if it was a requirement that you have a long term care conversation with your financial advisor on the same day you get your first colonoscopy? Talk about a double whammy! Did you know that nearly 40% of people over age 65 will spend some time in a nursing home? According to The Money Alert, for every 1000 people 5 will have a house fire, 70 will have a car accident, and 450 will need long term care.

Primary topic: Financial Freedom

Financial Freedom

892 views

By Justin KraneRecently published1 topic

Increase Your Net Profit

Confused about why your gross profit is high but your net profit is low? When the ladies get them they look real. But when guys get spray tans they look like Magda’s twin brother from the movie “There’s Something About Mary.” Spray tans last about 7 to 12 days. So if you are into this stuff, you have to go every 1 to 2 weeks. That’s a lot of tanning, and that’s a recurring fixed expense for you. Maybe that’s where all of your money goes. Do you ever ask yourself: Where does all of the money go? Why do I feel like I have no money?

Primary topic: Financial Freedom

Financial Freedom

890 views3/5 (2)

By Justin KraneRecently published1 topic

Does Money = Happiness

Your peace of mind. Your happiness. Your return on life. How much does all of this stuff cost? Can you buy it at Whole Foods or Trader Joes? Can you get a deal online at Amazon? It’s not about the money. Or is it about the money?

Primary topic: Financial Freedom

Financial Freedom

1,254 views1/5 (1)

By Justin KraneRecently published1 topic

Inflation vs. You – Who Wins?

“Inflation is when you pay fifteen dollars for a ten-dollar haircut you used to get for five dollars when you had hair.” -Sam Ewing Remember when it used to cost $5 to go to the movies? How about gas prices at $2 a gallon? A stamp was 20 cents? Every year prices rise and things cost more money. That’s what inflation is all about. How much better would you feel if you weren’t consistently playing catch up with your money? Here are 6 things you need to address as a business owner when it comes to inflation: Fighting Inflation as an Entrepreneur

Primary topic: Financial Freedom

Financial Freedom

943 views2/5 (1)

By Justin KraneRecently published1 topic

Get What You Want With Your Personal Finances

Learn from the Weight Watchers program: 6 Ways to Get What You Want With Your Personal Finances 1. The point system keeps you in check and provides flexibility. You can eat some foods that you love just as long as you don't go over the allotted points per day. Develop a saving and spending plan that will give you some wiggle room when it comes to budgeting your personal finances. But there does need to be a limit set based how much you can spend today, so there is money set aside for tomorrow.

Primary topic: Financial Freedom

Financial Freedom

559 views

By Justin KraneRecently published1 topic

Our Deficit, Our Financial Future

Our deficit — still major, still huge. Over one trillion. To deal with our deficit, Obama is making the case for the Buffett rule to go into effect. It states that any taxpayer making over a million bucks should pay a minimum tax of 30%. Buffet made his case for this in a NY Times op-ed piece where he points out that most millionaires and billionaires like himself have effective tax rates lower than 30%.

Primary topic: Financial Freedom

Financial Freedom

910 views

By Justin KraneRecently published1 topic

The Art of Working with a Bookkeeper

You have made the decision to hire a bookkeeper. Congratulations because now you will have more time to focus on making more money in your business. So let's make sure you get your money's worth! Here are 7 things you should do when you start working with a bookkeeper. 1. Share Your Vision, Share You

Primary topic: Financial Freedom

Financial Freedom

1,401 views2/5 (1)

By Justin KraneRecently published1 topic

Protect Your Assets With Disability Insurance

Most of us think that our portfolio, home equity or business is our largest asset. But what about our ability to produce income? Assume you and/or your business earns $200,000 per year: The present value of making $200,000 a year for the next 5 years is $890,364. In other words, if you were given $890,364 today, and made 4.00% on that money, and withdrew $200,000 a year, you would run out of money in 5 years. So if you could not work for 5 years if you were disabled, the present value of that loss in earnings is $890,364. Please note that taxes are not taken into consideration here.

Primary topic: Financial Freedom

Financial Freedom

723 views

By Justin KraneRecently published1 topic

Business Insurance for Natural Disasters

Don't Wait for Disaster to Hit. Business Insurance is a Must for Every Business. You think it will never happen until it happens to you. That's exactly what happened to small businesses in five states this week. More than 150 tornadoes devastated people's homes and personal lives as well as many small businesses.

Primary topic: Financial Freedom

Financial Freedom

836 views

By Justin KraneRecently published1 topic

Charitable Giving and Your Personal Finances

Philanthropy is Full-Anthropy Has anyone ever asked you what you would do if you had all of the money in the world? Most commonly, people respond with, "I'd buy a bigger house or travel." This is often followed by, "I'd donate more money to charity." People who are charitably inclined usually are living a rich, full life. We all have some affinity to a specific charity we like to support. As a Financial Life Planner, I have come to learn that charitable giving is an important goal for most people. Yet most of us don't have a process for funding this goal.

Primary topic: Financial Freedom

Financial Freedom

624 views

By Justin KraneRecently published1 topic

Financial Planning For Special Needs Children

Each time my kids achieve something for the first time that they have been trying to do for a while, they become proud of themselves and gain confidence. Whether it's tying their shoes or writing their names for the very first time, they see that they can overcome an obstacle and succeed at something. But what if a child is different? What if a child needs a safe, secure environment, and extra special encouragement? I have seen kids that need help with reading, writing, and speaking struggle when the care is not provided to them.

Primary topic: Financial Freedom

Financial Freedom

658 views

By Justin KraneRecently published1 topic

Money Doesn't Always Buy Happiness

I rarely share stories I get via email but this one really touched me. It's one we should all remember when it comes to our lives and money. A man came home from work late, tired and irritated, to find his 5-year old son waiting for him at the door. "Daddy, may I ask you a question?" "Yeah sure, what it is?" replied the man. "Daddy, how much do you make an hour?" "That's none of your business. Why do you ask such a thing?" the man said angrily. "I just want to know. Please tell me, how much do you make an hour?" "If you must know, I make $50 an hour."

Primary topic: Financial Freedom

Financial Freedom

941 views4/5 (1)

By Justin KraneRecently published1 topic

Establish Business Credit in 2013

Business credit diversifies your borrowing options and sometimes your liability. 2013. You want an edge, right? How about making smart decisions? Choices that will create the type of success you want for your biz. The thing is, it's hard to make a decision about something that you don't understand! We gotta dive into giving you some credit! Yep. Business credit. Ways you can borrow money for your business, not by your personal credit cards. I'm not saying you should get your business into debt for no reason. But if you need to borrow money for your business, why not be smart about it?r

Primary topic: Financial Freedom

Financial Freedom

1,215 views2/5 (1)

By Justin KraneRecently published1 topic

4 Mistakes Entrepreneurs Make With Retirement Planning

Here are four common mistakes entrepreneurs make when it comes to retirement planning. Start now and you can avoid and/or correct these pitfalls. Mistake #1: You plan on selling your business in the year you want to retire. Then you will take that money and live off it. But what happens if you sell your business for less than the amount you think you can get for it? You may have to work longer than you'd like, or you may have to reduce your lifestyle in retirement.

Primary topic: Financial Freedom

Financial Freedom

1,040 views

By Justin KraneRecently published1 topic

What is Financial Risk and is it Quantifiable?

For most of us, when we think of the word risk, we think of losing money. We think of the unknown and what could go wrong. Have you ever heard of the term standard deviation? It may be the measure that you are looking for to assess the overall volatility of your portfolio and your financial risks. It measures how widely portfolio values fluctuate around an average value. The larger the difference between the closing value and the average value, the higher the standard deviation.

Primary topic: Financial Freedom

Financial Freedom

655 views

By Justin KraneRecently published1 topic

Retirement Planning and Ingredients To Consider When Baking Your Retirement Cake

In the Olympics, you may have had a chance to watch a track and field superstar win a gold medal. Once they cross the finish line, their sheer excitement, happiness, and pride for their country is the engine that makes them take that victory lap. The pressure is gone, the results of the hard work show and it is their time to shine and celebrate. That lap that they ran is on their terms. They can stop for pictures, high five the fans, and just take it all in.

Primary topic: Financial Freedom

Financial Freedom

1,146 views

By Justin KraneRecently published1 topic

How Many Times Do You Hit Snooze?

The snooze button! It’s your early morning friend – or foe – depending on how it sets you up for your day. For some of us, it’s that annoying sound that goes off in the morning. (Who here gets major bedhead?) Just hitting the snooze button requires a major amount of sheer energy! Once we do it we go right back to la la land. But for others, the snooze button can be your friend. It can give you some extra time to lay in bed, and be intentional about what you want to achieve for your day.

Primary topic: Financial Freedom

Financial Freedom

1,256 views1/5 (1)

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