We all have patterns of behavior and habits we follow. But why? Where do they come from? How can we change them?  Humans have been studying patterns for a long time. Ancient Greeks like Plato and Pythagoras worked to understand patterns in nature. Over time,...

When an individual or a company is in the black, it means they’re doing well financially. They don’t have too much debt, and they’re making progress towards their goals. Being in the red is essentially the opposite. It means they’re not profitable and showing a...

Do you want to decentralize your personal finances? Is Bitcoin a good investment? These are important questions to consider.  I know I’m frustrated by centralized control in general. I’m interested in making my own decisions about how to live my life, and I’m...

If you were unburdened, how would your life be different? Would you be more financially successful? Would you have better relationships and more personal success? Would you be an entrepreneur, or a leader in your community?  How would getting out from underneath...

What does it mean to be contented, and how do we live contented lives? I believe answering that question and pursuing that life is central to existence. According to a recent study, less than 14% of Americans are very happy. And while we’ll explore the relationship...

Where does money come from? For the vast majority of us, it comes from work. It’s earned.  Once you’ve earned and saved money, you can create investment income that can be passive. But for our conversation today, let’s talk about doing meaningful work you enjoy...

To reach your most important financial goals, you need a sense of urgency.  When we’re young, we think we have all the time in the world, so we’re prone to procrastination. As we get older, our sense of urgency develops naturally, but can lead to stress and...

Healthy perspectives must be cultivated and constantly nurtured.  For some, it’s innate. We all know the happy and positive person who nothing seems to bother. For the rest of us, myself included, having a healthy perspective requires work. But it’s work worth...

Is being self sacrificing a requirement for financial success? Yes.  There’s a powerful proverb that nicely sums this up, “Blessed are those who plant trees under whose shade they will never sit.” Here’s the good news; you can plant the tree and sit underneath...