This life-changing course will help jumpstart your journey to financial independence and retiring early. It covers three main topics: maintaining a monthly budget, getting out of debt (including paying off a mortgage early), and investing for the future. We've taken the key concepts of personal finance and presented them in a fun and easy-to-follow manner. We know that your time is limited, so we've made this course possible to consume in a lunch hour. This course is accessible to anybody regardless of age, background, or financial state. Whether you're new to personal finances or a veteran, we're sure you'll learn something practical and valuable. Why are we so confident? Because we ourselves retired from our fast-paced careers in management consulting before the age of 40 by using the principals in this course. The path to a debt free life, financial independence, and early retirement is just a step away. We hope you join us by enrolling in this course. (Music from bensound)

Learn the tools to change your financial situation and the life practices that will create greater happiness and gratitude in your life. Prosperity Consciousness is a powerful energy that exists inside you that, once you choose to unleash, can create unlimited possibility, maximise your wealth, and totally transform your life. This is what can create a wealthy and happy life rather than one of frustration and lack. This easy-to-follow course contains the keys to generating true wealth; tools you can use to free yourself from limiting beliefs about money and simple tips on how to expand your wealth and prosperity consciousness. These tools will be with you for the rest of your life. During this course you will discover: 1. What needs to change for you to maximize your wealth 2. How to shift your focus from Scarcity to Prosperity and wealth generation 3. How to receive money in a totally different way that generates wealth 4. How to transform your relationship with money 5. How to cultivate curiosity that opens up wealth possibilities you have been refusing to acknowledge Life Changing Practices to Maximize your Wealth The extraordinary tools, practices and insights contained in this course will facilitate expansion of your prosperity consciousness and set in motion a whole new way of being and living with awareness and with money and wealth. The aim of this 'Maximizing Wealth' course is to help you awaken and unleash the power of consciousness over money. Along the way, this course will assist you to explore how and why you diminish your prosperity consciousness, so that you can understand, and then let go of, the lies that keep you trapped in a scarcity paradigm. Content and Overview Suitable for those who want a different way of being with money and wealth, through this course of 21 lectures, you will learn how to expand your consciousness around money and change your points of view so you can start to generate wealth dynamically. Starting with exploring what points of view you have that are sabotaging your prosperity, the course moves on to how to fine tune your willingness to receive wealth, using the secrets of generosity of spirit and gratitude, and the power of curiosity and being the question for wealth generation. Once these have been practiced with a series of tools and techniques, the course will take you through a series of practical tools to assist in changing your life and finances to one of prosperity. Students completing the course will have the knowledge and insights to change their financial reality. Complete with quizzes and extra materials, you will be able to work alongside the authors to explore and change your points of view about wealth, money and prosperity so that this reality can start to work for you.

I believe the best place to start is with "Why" . Why: Far too many people are stuck in the system, not living the life that they actually want to be living. “Don’t ask what the world needs. Ask what makes you come alive, and go do it. Because what the world needs is people who have come alive.” - Howard Thurman How: One way is financial independence , via personal finance. This course is a breakdown of simple , actionable , day-to-day steps that you can take right away to get on the path to financial independence. We'll cover the biggest spending categories of 1) food 2) shelter 3) transportation 4) and self care, and how to optimize these to lower spending, increase income, and maximize savings . Savings that you can invest to make your money work for you, not the other way around! So that you have the time and resources to pursue what makes you come alive. This course breaks down, step-by-step, how to save over $60,000 in 2 years. I did this while living in one of the most expensive cities, while at the same job, and while maintaining a healthy lifestyle. No deprivation required. Who: Maybe you're broke, struggling with credit card debt, drowning in student loans, living paycheck-to-paycheck, unable to save much of anything. Or perhaps you have some savings but want to get in control of personal finances and save more faster in order to do your thing as soon as possible. Me: I've been through all these scenarios -- from broke in NYC with nothing but a suitcase and lots of debt, to a cushy job where I made money and spent money, through a struggle of working for someone else's dream, to a realization that I have to create my own path. In 2 years I completely changed my life, doing something that I didn’t think was possible. I saved over $60,000, bought and renovated a multi-unit property in Brooklyn, moved my mom up to NYC, started working for myself, and doing what I've always wanted to do (but didn't think was possible), all the while on the path to financial independence. ------------------------------------------------------- Some things you'll learn in the course: - How to assess your personal finances: your current net worth and savings rate - How to calculate # of years to financial independence - How to automate financial tracking, so you always know where you are and where you're going - How to optimize the biggest spending categories of 1) food 2) shelter 3) transportation 4) and self care - Every tip and trick I used to cut spending by 60% and push my savings rate over 75% - How to simultaneously supplement your income via the sharing economy - No jargon approach to invest your surplus wealth, and get your money to work for you - Concrete, step-by-step breakdown to a financial independence foundation - Plus so much more. There are over 50+ lectures included in this course.

Have YOU Had Any of These Thoughts Recently? Is this all there is to life? I CAN'T seem to find a job I LOVE! I don't get paid enough! I make good money...but I'm not happy... M y company is doing sleazy work...but I NEED this job! I'm really stressed out I wish I could see my family and friends more often... but work takes up too much time... I want to follow my DREAMS but I don't have the time...or the energy... Let me Share with you a Story about Financial Independence... ...Imagine NOT having to get up EARLY in the morning to commute to work ....Imagine a day without the boring MEETINGS ...imagine no back pain and work HEADACHES, or ANXIETY "WHAT????! HOW IS THIS EVEN POSSIBLE???!!!!!" Financial Independence. More Savings. Less stress. More leverage at your Job. Passive income: Making money from investments...while you sleep... Imagine a week where you have lots of TIME: ...imagine having TIME to apply for a job that you LOVE ...imagine spending your CAREFREE days with family and friends ...Imagine having money flow into your bank account on the first day of EVERY month For the rest of your life... BUT I CAN'T POSSIBLY DO IT, I DON'T MAKE ENOUGH MONEY! ...I didn't make a lot of money either... ...in fact, most people who are Financially Independent have NORMAL JOBS! They are: Bookeepers Middle School Teachers Low Level IT workers ...all of these people have BLOGS about financial independence, and are living out their lives WITHOUT stress, WITHOUT feeling stuck, WITHOUT dread about their jobs! A Unique Insider’s View I get up in the morning, no commute I don't have to hear my boss yelling at me about my spreadsheets I don't have to sit at my desk for 8+ hours a day, my back hurting BUT TALKING ABOUT MONEY IS SCARY! AND CONFUSING! I understand. A few years ago... I used to be TERRIBLE with money... ...but after learning learning 7 SIMPLE techniques... ...I learned to invest! I invested enough of my income to buy an APARTMENT! ...and eventually...I became financially independent! In fact... I took more than 6 months off work, and traveled to 20 countries I've started small online businesses...from my computer I have TIME to go to the gym, TIME to hang out with friends, TIME to see my family A shoulder to lean on... Just like my other courses, I'm always available to answer your questions, or to explain things further... usually within 24 hours. I love to help YOU live a better life How is this course different ? There are lots of great courses on Investing or Financial Independence BUT...they don't talk about YOU as a real, normal person. They assume that you are a Financial Professional, and use confusing, BIG, words. I WON'T use big, confusing words. THEY will talk BIG things, and SCARE you with intimidating graphs and charts. But I'll teach with easy pictures and cartoons. ...and I'll answer questions they won't answer, such as: "I'm afraid to invest my money" "My job is acceptable...I can tolerate it for another 37 years I guess..." "I just have WAY too much debt...I don't know how to even BEGIN paying it off..." Who is the target audience? Anyone who wants a job that is in line with their GOALS and VALUES Anyone who wants to be less STRESSED Anyone who feels like they SHOULD know more about money...but don't know where to start Anyone who has DREAMS to travel the world Anyone who wants to buy HAPPINESS (Yes, you can BUY happiness!) ....And Remember, there is a 30-day Money Back Guarantee If you don't like the class, you get your money back, NO questions Asked! So there is NO RISK.

Are you tired of constantly living only one paycheck away from being broke? Do you want to stop worrying about having enough money for bills, food, and the random pop-up expenses that life seems to always bring? Imagine the feeling of comfort and peace that comes with knowing you’re in full control of your finances. In the course, How to Get More Mileage Out of Your Bucks, you’ll learn how to positively change your financial future without having to cut out the things that matter most to you. There is a way to master your finances once and for all! By creating an effective system that allows you to easily monitor your spending, you will gradually learn how to get the most value for your money and manage to save every single month. “That’s impossible! I haven’t saved a dime in years.” That’s exactly the same reaction dozens of my friends had when they started taking the first steps towards learning how to efficiently manage their finances. After fully understanding the concepts in How to Get More Mileage Out of Your Bucks , my friends changed their mind… and bank accounts. It wasn’t easy at first, but eventually they saw the results: more money saved each month while still having enough for bills AND spending. The good news is, you can do the same! You don’t need to change your Life – only your approach to financial management. With How to Get More Mileage Out of Your Bucks , you will learn how to create a personalized and realistic budget that will allow you to get the best value with your money. Learn the effective system for taking financial control that will enable you to save valuable funds for emergencies, enjoy complete peace of mind, spend guilt-free and get the best value for your money! This class will give you the tools and strategies you need to use in order to make $100 feel like $150. Start How to Get More Mileage Out of Your Bucks NOW, and see the powerful changes it will make for your financial well-being.

This personal finance course will teach you how to manage your money, create an easy budget, eliminate your debt, raise your credit score, earn more money, invest wisely, and so much more in a step by step format that is perfect for beginners. · Do you feel overwhelmed by personal finance? · Are you tired of living paycheck to paycheck and want to earn more money? · Do you want retire early? · Do you struggle with budgeting? · Are you confused about your credit score and how to raise it? · Have you considered investing, but it all seems so confusing? · Do you often dream of becoming financially free and living the life you always wanted? If the answer is yes to any of these questions then this course will be perfect for you. I have been in your shoes before, and over the past 15 years I have helped people get out of debt, earn more money, and turn their finances around. Personal finance doesn’t have to be confusing or overwhelming. When broken down step by step it can be easy to follow and even FUN! When you start hitting your goals, crushing your debt, and watching your investments grow it can be really exciting. Moreover, having your finances in order can relieve so much unnecessary stress in your life. PERFECT FOR COMPLETE BEGINNERS This isn’t your usual boring and stuffy personal finance course. This course is broken down with easy to understand concepts without a bunch of confusing financial jargon. It doesn’t matter if you are buried in debt or have no debt, an account full of money or you are broke, this step by step course is built to help you master your finances and become financially free. Course Curriculum In this complete guide to personal finance for beginners will cover the following topics and more: · Personal Finance 101 · Calculating Your Net Worth · Budgeting · Building Your Emergency Fund · Paying Off Debt · Creating A Debt Pay Off Plan · Understanding Your Credit Score · How To Get An Excellent Credit Score · How To Earn More, Negotiate a Raise, and Negotiate A Job Offer · Recession Proof Your Finances · Relationships and Money · Insurance · Saving Money · Investing 101: Real Estate Investing, Stocks, Bonds, Mutual Funds, ETF’s, CD’s and Savings This course was created in a step by step format that can be completed at your own pace. The course comes with 2 workbooks and many resources that accompany each section, including a 30 Day Emergency Fund Savings Challenge. The first workbook is a printable workbook for people who don’t like spreadsheets or don’t know how use them and a spreadsheet workbook for people who prefer the automations spreadsheets provide. By the end of this course, you will be able to create an easy budget, fill up your emergency fund, get out of debt, and start investing wisely so you can retire early, become financially free, and start living the life you always dreamed of! What students are saying about this course: “This course is great because it breaks down personal finance into detailed and manageable steps. Money is so overwhelming and stress-inducing, but this guide has so many useful tips for overcoming that.” “I've never looked at my finances this way...maybe the fact that I haven't spent any time learning any of this is why I've never grown financially! The spreadsheets and guides are extremely helpful and I already feel my financial mindset is changing positively.” “The presenter is clear and concise. The visuals are very helpful. Everything is explained clearly and in detail. My fiancé and I are to marry next year and I hope to apply a lot of the information I've gained from this course in debt management and investments.” “This was a really helpful course. The topics were very clearly explained. I feel significantly more competent when it comes to arranging my own money. I had always been really intimidated by investment options and this course really broke them down in a way that was clear and easy to grasp.” What are you waiting for?? Enroll in this course today and take your personal finance skills to the next level. Lauren

In 3 years time I was able to grow my net worth from $0 to just under $100,000 and quit my boring, soul-sucking corporate finance job to work for myself . I've never been happier. How did I do it? The answer to that question is completely broken down, step by step in this course. Do you desire to live life on your own terms, the work YOU'RE passionate about, and complete projects of your own? How would it feel to be in control of your own future? Imagine being able to take a year off from work and not be concerned about money, retire in your 30's, or being able to finally start that passion project. Personal finance is one of the most important aspects of life, yet no one teaches it to you! It seems like the people who have the most interest in helping you with personal finances: A: Want to manage your personal finances for you, just to take a high percentage of YOUR money ( aka expensive financial advisors ) B: Sell their latest course for upwards of a thousand dollars C: offer get rich quick schemes, from day trading to pyramid schemes There’s an overbearing amount of information on this topic, making it seem confusing - you can't figure it out! Can you guess what the number one cause of anxiety is in North America? MONEY! I know I've sure felt anxiety about my money in the past. I've felt completely out of control, and eventually just accepted a sense of hopelessness. I had a "why bother" and a "I won't be able to figure this out" mentality. It kept me stuck at jobs I hated and my mindset was frozen in place. Does any of this sound familiar to you? Trust me, I've been through the "traditional" finance system. I earned a degree in Finance and pursued a career in investing, learning treasure troves of valuable information along the way. I thought to myself, "I can really help a lot of people with this!". Unfortunately, the investment industry's last concern is helping people. The average financial advisor charges fees and commissions that cost the average North American hundreds of thousands of dollars over their lifetime - usually without them even knowing it! I had an extremely lucrative career in wealth management in front of me. But unlike the investment industry, my main concern WAS helping people so I decided to take everything I learned and walk away from my job. And so over the past number of years I've carved a new path for myself, and I hope, for others who want to take control of their lives and have the freedom that they always wanted. I set up a system to save over 70% of my income and then intelligently invest that money by leveraging statistically-sound, evidence-based investment strategies as well as leveraging the powerful technology and applications we now have available to us. Additionally, I leveraged financial psychology, investment philosophy, and personal development techniques to instil winning habits in myself. This quickly compounded my money to the point where I've achieved a level of financial freedom and security normally achieved by those in their middle ages. But here's the thing... I'm 26 .  And at this rate, by the time I'm 30, I won't have to work another day in my life if I don't want to. So I'd ask you, what will your life look like if you don't achieve the freedom you want? Will you be stuck in the same patterns you're experiencing right now? Could it get even worse? What will it look like if you DO achieve the freedom you want? Maybe finally being able to start that hobby or passion project - or even early retirement. The ability to travel for more than that one short week you always seem to be stuck with. Reduced anxiety knowing that your family is going to be taken care of. Build an empire of assets by continuously rolling your wealth into different classes like real estate. Or maybe you want to be in a strong position to give back and support the causes that you believe in. The difference between those two futures is information and action . I have the information, you have to take the action. For those of you who are ready, I'll see you inside.

99% of us are working for a living by trading our precious time for money. We have little to no Personal Finance Understanding and this impacts our overall personal development. Traditional retirement theory is focused on what Bill calls "Big Gulp" investing:  Save a lot of money in a 401k/IRA and at age 65 start drawing it down and hope it doesn't run out before you die.  In the meantime you have to grind out 40 hour work weeks for 40+ years. THERE IS A BETTER WAY! Creating Personal Finance Understanding that impacts your overall Personal development is the key. The way to unlock it is with  Passive Income Streams from purchased assets are the key to retiring early and never running out of money before you hit the Big Pine Box in the sky.   The first step in achieving this goal is to empower yourself by making sure you are Financially and Investing literate.  Traditional personal finance and investing courses are not effective.  This course will show you an entirely new and proven way to achieving Financial Freedom. We work hard for our money and we want things in life. Society has created systems that take advantage of our human impulses that cause us to financially behave in ways that sabotage our ability to retire at an age early. Some folks will retire sooner than others because they acquired unique knowledge that others simply don't have. These people have Personal Finance Understanding and a better overall life that impacts all areas of their personal development. One such person is your instructor, Personal Development & Personal Finance master Bill Stephens . Despite not fully putting his teachings into practice until his early 30’s he was able to retire at age 41, which was 18 years ago. He is married with two grown financially literate kids that are in flagship state universities. He lives on a tropical Island where the average property values well exceed 1 million dollars. He was a professional salesperson and started three businesses.  He taught himself personal finance & investing strategies and developed a system that can work for anyone. And he will share this knowledge with you in this course. In less than 1 hour you will learn: Bill's Fundamentals of Financial & Investing Literacy The Two most important Formulas in the world that every person MUST know Two types of Income & Two types of Expenses The 4 steps to financial freedom How to Leverage Your Income Is a Home Mortgage Good or Bad Debt? Financial Photosynthesis & Why it is Crucial to Your Success The 4 Crucial Life Skills The Myth of Owning your Own Business Tactics and Strategies to decrease expenses & Increase Income Understanding Investment Models Early Retirement Strategies & more The primary objective of this course is to give you Bill's unique Fundamentals of Financial & Investing literacy so that you can create a plan to help you become financially free in the shortest time possible.  This course is a MUST for high school students, young adults, and any adult who wish to achieve early Financial Independence. Learn how to be masterful in Personal Finance and have a huge leg up on Personal Development in less than one hour. This value packed course will give you the formulas and strategies to get you off of the road of “trading time for money” and having your money work for you. We deliver this course with videos, audios and a workbook designed to sync up with the lessons. This course is available to you forever. But don’t wait to take this course. Take it today because in just one short hour you’ll know what you need to begin your journey to financial freedom. Enroll today, knowing that If you aren't delighted with this video based training course, claim a full refund within 30 days of purchase!

This course is designed to help anyone get a better grasp on their personal finances by building a budget and a personal balance sheet, or net worth statement. As an engineer, I'm constantly trying to build systems to automate repetitive tasks, and always trying to make things easier, more efficient and more effective. I've tried several methods for budgeting, from manually tracking all my spending and filling out worksheets each month, to complicated software that never quite works the way I want it to, and I always quit after a short time out of frustration - so I built my own. I think I have a system that's very simple and intuitive, with a lot of useful effort-free features, and most importantly, it's easy to stick to. We'll go step by step through the system, which is basically a couple of simple Microsoft Excel spreadsheets, and I'll show you how to customize it for yourself. Along the way, we'll talk about all of the important financial principals behind it like fixed vs. variable expenses, liquid and illiquid assets, and how to set up an emergency fund with your savings. Once you're set up (some short videos and just a little bit of homework), here's what you should have: A complete picture of your personal finances, including: How much you spend each week and each month, broken down into the categories you care about most. A budget based on your real spending, where you can see the current picture and set goals for the future. A net worth statement, showing everything you own vs. what you owe. You will be able to easily: View automatically updated graphs of your spending over the last year. Fine tune goals for your budget, track your progress and watch your success translate into a higher net worth. Perform what-if scenarios that help you to make better financial decisions. For example: Should you buy or lease that car (and how much should you pay)? Should you rent an apartment or buy a house? Can you afford an extra vacation if you cut back on going to the movies? You'll see instant improvements in your financial well being: Reduce your "waste" spending Less worrying each month about forgetting bills, or not being able to pay them Be prepared for making investments, applying for loans and credit without digging through years worth of receipts Hopefully this course will be like giving yourself a raise . You'll be able to take more vacations and use your money the way you want to, without it disappearing under your nose... And your stress level will go way down: you'll have the piece of mind in knowing where you stand at all times!

Did you know that you can retire in less than 20 years by applying a very simple wealth formula to your life? Even better... Did you know that by adjusting only a few parameters in that wealth formula, you could easily bring that 20 years down to only 10 years? Does retiring in 10 years from now still sound too far away? How about being able to retire in 5 years' time? This really is possible for ANYONE to achieve! By applying the right wealth formula, you could very easily retire within the next 5 to 20 years! You don't need to work a mediocre job for 40+ years only to discover your nest egg isn't large enough for you to retire on. There is a better way, and you'll find it in this course. In this course you will learn how to retire in 20 years or less. How much earlier you get to retire depends completely on which of the three Passive Income Plans you choose to either retire in 20 years, 10 years or in only 5 years from now. The great thing about a formula is that it's founded in math, in numbers. And numbers never lie. Therefore creating wealth for yourself and for your family so that you can retire early and live the life of your dreams is as simple as following a proven formula until you get the desired result. It's like baking a cake... If you follow the recipe to the letter, the result will inevitably be a very delicious cake. Learn the fundamentals of wealth creation and follow the wealth formula that have stood the test of time (all of which you'll learn in this course), then achieving Financial Freedom will be inevitable for you . Unfortunately most people don't even get to retire comfortably, because they never learnt these fundamentals of wealth. Even though 20 years might sound like a long time, you will still retire much earlier and much more comfortably than 90% of the world's population. In essence, buying back many years you would've had to keep working to make a living. And that is the goal of creating passive income streams - To buy back your time and your life! Passive income streams is all about creating more time ... Time to do what you love, time to spend with your family, time to actually be there for your kids so that you can experience the joy of seeing them grow up, and also time to pursue your truest purpose in life and as a result create a lasting positive impact in the world. Passive income the key to living a fulfilling life! You can start building your passive- and semi-passive income streams immediately which will enable you to retire within the next decade or two (depending on how diligently you apply the wealth formula you'll learn about in this course). Start working towards your early retirement right now - ENROLL FOR THIS COURSE