Tools for Great Salesmanship (It might be what you think)

If you are in sales, I am sure you have studied the greatest salespeople from Jeb Blount, to Brian Tracy, to Zig Ziglar, to W. Clement Stone, to Frank Bettger and many more. Their works will stand the test of time in the world of selling, but what really separates the best salespeople?

Is it the knowledge of closing questions and objection handling, or simply getting over their fear of prospecting? You and I both know it is more than those factors because there is a certain attitude, mindset, and level of desire for achievement that many salespeople have that helps them become the best. It is deeper than just walking into the office with a smile.

And Tony Robbins can help unlock the fullest potential in salespeople because he has developed the tools to motivate, eliminate limiting beliefs, and build the tremendous passion in people necessary to succeed in the tough business of selling.

If you visit the link below, there are some great limited time holiday specials which include free gifts, and huge discounts from 20%-40% off. Visiting the website is valuable because it also has free personal assessments to help you grow.

Ready to kick it up a notch? Click below.

P.S. If you don’t do this for yourself, who do you know that could benefit from greater energy, influence, or personal growth? Feel free to pass this on!

Set a New You Resolution, not just a New Year Resolution

As we move into the new year, I want to share with you something that may positively change your life, because they have positively changed mine.

You see, most people are going to set goals and resolutions, yet most will stop progress before the first two months. This could be from a variety of reason from setting the wrong goals to lack of motivation to a series of limiting beliefs. And failing a goal can lead to greater pains reducing confidence.

I am not saying this description is of you, because I know you are different. You want to aim higher.

What if you could confidently create bigger goals for yourself? Ones you dreamed of that provide you with the opportunity to live life to your fullest potential? And what if someone gave you the tools to help achieve those goals? What would that be worth to you?

You don’t need to wait for the new year. You can get started today and stay ahead of the game. Visit this link to see the holiday specials in the Tony Robbins store ranging from 20%-40% off, free gifts, and more.

Tony Robbins life work has been to help people experience life to the fullest, and I know if you explore some of his products, you will find your how, why, and what. I know because I studied his books, technologies, and more. All it takes is a click to get started, and the website even provides great free content on the blog to get you started. Whether you want to achieve more in leadership, sales, relationships, financial, and even lifestyle, there is something that will be useful to you.

Visit the link below to visit the store. This is a special link because it provides you with a special discount opportunity. Wish you great success in every area of your life.

4 Careers That Today’s Job Market Desperately Needs

In today’s competitive job market, it can often be difficult to find a career that is a good fit for your talents and interests, and that also meets your salary requirements. If you are looking at launching a new career, it is important to know what jobs are in most demand. Here are four desperately needed careers in today’s market:


Despite the automation now present in many industries, there is always a need for good accountants. Accounting professionals are at the top of the organizational chart in many companies, making this an excellent field to pursue for those wanting to strive for upper management positions.  The field of accounting comprises a vast number of specialties including financial analyst, auditor, controller, and bookkeeper. Because of the different skills needed for each of these subsets, it is vital to ensure that you have the necessary qualifications.


In today’s increasingly wired world, the demand for cybersecurity experts has continued to grow exponentially. The threat of viral attacks and compromises in computer networking have made the field of cyber-security one of the most in-demand industries in the world. Because of the increasing demand, more schools are adding these specialized degree programs to their offerings of IT studies. Careers that rely on a strong background in cyber-security include security consultants, cryptographers, security analysts, and more.


With many companies moving their business to the internet, the need for a strong communications department goes with it. Whether it’s creating a marketing campaign that speaks to a specific audience, or a content writer delivering information to the public, someone with a strong communications background is highly being sought by companies. The U.S. Bureau of Labor Statistics projects job growth in communication careers, especially for media professionals who can create, edit, and transmit content on a variety of platforms. The greatest growth is for public relations specialists, where 22,900 jobs are expected to be added from 2016 to 2026.


Like education, the need for quality healthcare professionals will never diminish. Not all jobs in this industry require a doctorate degree. Nursing assistants, medical secretaries, pharmacy technicians, respiratory therapists, and radiation technologists are just a few of the career opportunities available to those wanting to pursue a path in healthcare. With robust growth, jobs in the healthcare industry continue to skyrocket thanks in large part to a host of emerging technologies opening doors for new specializations. In addition, new forms financial aid and physician insurance make the career choice of healthcare more feasible than ever.

With research and careful planning, you can ensure that you are choosing a career path that will provide enjoyment and job security for the remainder of your working years.

Looking to start your own business? Nuts about social media? Find out how you can start a multi-million dollar social media company!

7 Savvy Ways to Save Money for Your Business

As a small business, saving money is a top priority. You don’t have as much wiggle room as larger businesses may have, and you need to allocate each penny wisely. In order to save money for your business, it will benefit you to focus on employee retention, manage printing costs, get office supplies, minimize food costs, get less office space and also hire contract workers. These things will help enable any business to keep their costs to a minimum and conserve their funds for expansion and improving your product.

Employee Retention

One of the best ways to save money for a business is to focus on employee retention. Since each employee costs a considerable amount of money, it is essential to keep them with the company on a long-term basis. In order to do this, it will help to provide incentives such as bonuses as well as good working conditions. You will also want to pay each employee a fair market value salary so that they are getting the compensation that they seek. As a business, it will also help to offer them generous benefits as well as health insurance, dental insurance, a 401K plan and even vacation time.

Office Supplies

Another way to save money for your business is to be smart about the office supplies you use on a daily basis. One of the best ways to get inexpensive office supplies is to get them in bulk. By getting these items in bulk, they will last longer and give your business more time to use them. A company will also want to consider going to retailers that sell office supplies at discount prices and also take advantage of occasional sales. By taking advantage of these options, your costs of office supplies will be much less.


Along similar lines as general office supplies, printing documents and marketing materials can be quite costly, so monitor your office’s printing habits. In order to do this, you will want to conserve both toner ink and paper. Can you print double-sided documents? Can you print in “draft” mode rather than full-quality? Print out documents and promotional materials that you need, but consider switching to digital documents wherever possible. You will also want to look into discounts on printer ink and a more efficient “smart” printer.


How much do you spend on electricity, heat, and water for your office? If you’re like most, you probably just flinched. It takes a lot of these resources to keep things like computers and printers running and to keep your employees comfortable. And if your office has high ceilings or is a fairly large space, your office electric bill is probably higher than what you pay for your house’s utilities. Fortunately there are many energy-efficient ways to cut down on utility use while also being environmentally-friendly. Smart thermostats, smart lighting, solar panels, automatic shutdown sockets, and smart water management can all make a big difference in the check that you write to your utility company.

Office Space

One of the best ways to save money as a small business is not to pay for office space that you don’t use or need. Rent is expensive, so anything you can do to minimize this monthly expenditure will add up fast. Definitely consider the different kinds of rooms that you actually need for the size of your business; there’s a difference between meeting rooms and conference rooms, for instance. If you need to expand, consider outsourcing rather than hiring more employees. If you’ve had to downsize, move into a smaller office. If you have an extra conference room, consider renting it out.


Whenever a business is looking to save money, contracts are another thing to consider. With a contract, a business can have a legal promise of getting paid for service rendered as well as agreeing to work with a particular vendor. This will help with ensuring a commitment between multiple parties and ensure that payments are made on time. As well as contracts, hiring contract workers can also save money for a business. These individuals will not require a company to pay payroll taxes as well as benefits. As a result, a business will have more money available to use for other things.

Accounts Receivable

Use a form of mobile payment systems and invoicing services in order to save on overhead for chasing down the money owed to your company. Most people are constantly immersed in their phones these days and if the reminder to pay you isn’t on their phone, it rarely gets done on time. With mobile financial services, you can text your customer reminders and directly send them secure bills with their reminders. It takes 90 seconds, on average, for a person to respond to a text message which means, it becomes easier for them to pay their bill to you. This reduces the time needed to constantly call and follow up on unpaid invoices and increases the likelihood that your customer or client will pay sooner if all they have to do is click on your text message instead of going to a whole new location to make the payment.

Saving money wherever possible is smart practice in business finance as well as personal finance. There are many ways to slim down your company expenditures on regular costs such as food, office supplies, and office space. By strategically cutting costs in critical areas, any business will be in the position to make more profit without making noticeable sacrifices.

Another way to save money in your business is to take advantage of free resources. Check out Chance + Confidence’s free business stuff here!


Success Is The Best Revenge

Think, wait, success, revenge, interview, winning
Photo by Ben White on Unsplash

In life, things won’t always go your way.

You’re going to be disappointed.

You’re going to get rejected.

You’re going to fail.

You’re going to get screwed over.

You’re going to get passed over for that promotion.

I could go on and on.

In the moment, experiencing these types of negative outcomes feels like the worst thing in the world.

Some of the first thoughts that probably go through your head are “What can I do to get back at X?” or “How can I make X feel just like this? Or worse?” We’ve all been there.

As much as you would like to retaliate, you shouldn’t. You’re better than that. Why stoop to their level?

Allow yourself to experience whatever emotion X caused you to feel for as long as you want. You are human after all.

When you get that out of your system, it’s time to change your perception of the event and take the high ground. Just like the stoic philosophers preached, you may not be able to control what happens to you, but you can control how you respond to it.

You can start by reflecting on the experience and asking yourself what you can learn from it. Maybe you could have done things differently or better.

Then, try to think about how you can best move forward. Formulate a plan that will allow you to succeed like you never have before. Commit to bettering yourself and don’t stop until you get what you want. Show X what you’re made of, and let your actions speak for themselves.

In the end, it’s not about throwing “I told you so” back in X’s face when the time comes. It’s about being a person of character, turning obstacles into opportunities, and reaching new heights. That’s the sweetest revenge of all.

Article reshared with permission. Originally shared on The Life of Riley.

11 Things I Wish I Knew About Sales Earlier

I wish I knew sales skills earlier.

When I worked in a restaurant my parents owned, maybe I could have helped them grow their business. They really only wanted me to count money. And then they got rid of the restaurant.

Another time in elementary school I tried partnering with a neighbor to sell fancy fans and bookmarks from China in front of our house. Little did we know our neighborhood was not a great market for this product.

Then after college, I was gung-ho about sales. I thought “just get in front of a customer and ask a lot of questions and be comfortable asking them to buy.” I thought those were the secrets of how “it all works.”

Who knows where I would be if I learned to sell throughout my teen years instead of working as a busboy/waiter in various restaurants.

I imagine the earlier anyone (myself included) learns the things on this list, the earlier they can start making big changes for themselves.

Enough reflecting on the past. This article is all about moving forward.

If you are reading this, and jumping into sales, or considering it as a career path, here are 11 things I wish I knew about sales earlier. These are not in order of importance.

1. Selling is an amazing career choice

In highschool I didn’t think about how selling works. I worked as a busboy/host/waiter and I just “did my job.” I served tables and they gave us money.

My bosses never explained to me that by “asking customers if they wanted to add a soup to their order.” You might say that is more a “marketing tactic” as opposed to true selling, but it was a lesson that impacts the “sales of the restaurant.”

It is easy to get caught up in the day to day when you have a regular job not realizing the vast opportunities if you start to pursue a sales career.

Then there is the amazing feeling of a close.

2. There is a process

When I worked at Abercrombie & Fitch I only thought about customer experience. My numbers weren’t on the line.

Be a happy, awesome “store model” and greet everyone, and I might get to work extra days and holidays for minimum wage and the chance of having overtime.

If only I knew that this attitude was a part of “their process” and if I had known I was part of some sales process or funnel, I may have been more helpful. I knew the term “cross-sell” and “up-sell” at this point, but I never really knew “how” to do it, and at what point of the interactions.

Looking later in my career when I interned to sell insurance, it would have been nice to know that organizing events at small fairs were a lead generation tactic which was part of a “process” from beginning to close.

3. Audiotapes

Imagine if you could listen to some of the worlds most successful people sharing their stories with you, 10, 15 years ago. Sure my parents were great and instilled values like work ethic, but there is some incredible wisdom you can get from audiotape courses.

You can learn leadership from the likes of Dale Carnegie, to the sales techniques of Brian Tracy, to the success principles of Napoleon Hill. They change lives.

4. Consultative selling

I did not learn about this until a couple of jobs after college. I knew about asking questions and helping people find what they were looking for in a store.

It was late that I found out how valuable that skill is in looking for ways to build a business. By uncovering peoples needs and presenting benefits, you can truly help customers get what they need.

This is also a great way to build professional relationships and find business opportunities.

5. Open-ended questions

I was fortunate to build the habit of asking open-ended questions when I worked at a water park. In fact, asking open-ended questions was seen as a matter of a potential traumatic neck injury.

When you are rescuing someone who has a potential neck injury (falling on their head, whiplash, etc…) you want to make sure you don’t ask them yes or no questions to which they will respond by shaking or nodding their heads.

I knew the skill, but I did not know the tremendous potential in becoming a better salesman by improving this skill. And not only a better salesman, but also a better person. You can even transition this skill into consulting or coaching.

And open-ended questions is also a highly effective tactic throughout the end of the sales process too for closing.

6. Tracking metrics

I did not even know what metrics were until I worked at a major Fortune 50 company. When I worked in retail I saw that the store had sold “150 jeans” but never realized this was a measurement that gets tracked all the way to the top.

That would have been an interesting conversation with the managers. They never really told us too much. I guess it was on a need to know basis.

There is incredible potential in setting the right metrics and how it can be used in daily life for personal goals. And today, with all the analytics tools, metrics are a supernova subject.

7. Books on selling

Looking back before the age of digital media started driving down the prices of audiotapes, I probably would not have been able to afford lectures from the best. I did, however, spend a lot of time in the library as a kid. I did not read the same books I do today though. I preferred fiction and poetry.

Moving on to when I started working… If you are reading this, I urge you to pick up a book about your business or about sales, or success in general. Think and Grow Rich is a good starter.

Early in my career when I started selling I merely just “did what my boss told me.” “Organize events, call this person and report back what they said, my boss would say.” I was so “busy” I did not spend enough time truly learning the skills.

I thought I was selling. So cute.

8. Selling myself

I was a “good employee.” In some place’s I was an exceptional employee.

While I often sold myself on a job role or sold myself in believing in the company, I did not sell myself on the products and what I was doing.

What a difference can be made if I thought:

“This restaurant has the best Chinese food in this town!”

“Our collection of pants will last for years both style and quality-wise. Oh, and these tops will make you look fantastic.”

“This water park is the most well maintained and family-friendly water park in the city!”

9. Objection handling

Objection handling is two parts.

First, it is the automated response psychology of overcoming “no’s” by taking their no’s, and reflecting back without making an argument.

“Yes I can understand why you think that,” then coming back with a response that suits the situation.

Second, there is preparing for objections ahead of time. This is one of the skills that can only be improved over time.

At one point I only knew the term “handling objections” but taking time to plan for the future and having a good answer for everything is a good skill for both life and sales.

10. Benefits, benefits, benefits

When I used to see infomercials, I was merely amused by them. I never had a boat to plug up with a spray nor did I want to spend money on a vacuum when I already had one that still did the job.

I ignored advertising completely.

But if you spend the time to study advertising, marketing campaigns, and sales pitches around the world, you can learn so much.

It doesn’t matter if I don’t want a new SUV.

It doesn’t matter that I don’t plan on buying the fancy overpriced bottle of champagne.

What does matter is someone out there is learning about all the great benefits of how a new product will improve their lives.

And you can learn from the way the person behind the sale does it – often by sharing the benefits to a customer.

11. Success Mindset

An interesting interaction happened to me the day I wrote this article that made me come to a realization.

I reached out to an acquaintance in search of a business partner. This lead to a conversation where I shared with them something personal (albeit positive) I believed about myself.

They happened to not see my point of view and responded with “no you are not.”

It was the first time in a long time where I responded with a child-like “yes I am”.

The funny thing was before she said “no I was not,” I only half-heartedly believed what I said about myself, as I said it jokingly.

It was then that I realized the true power of belief. Belief in yourself. Not only selling yourself but also having a deep-rooted success mindset.

Even if others do not see it yet, and even if you are still working towards what you want to become, you can work every day toward making it a deeply ingrained belief. Adopting a success mindset is something no one can take away from you.

Wish you success in whatever your pursuits are.

Got Student Loans???

By: Joshua Krafchick CRPC®

Originally posted on The Millennial Slacker’s Guide

This article republished with permission from original author.

I have recently received a lot of questions in regards to student loans and what are the best strategies in order to pay them in the most efficient way possible. Well for those who have questions…. here we go.

Subsidized vs. Unsubsidized Loans

The key difference to realize here is SUBsidized loans are loans that you do not have to start paying interest on until you graduate college. In order to qualify, you must be a ½ time student and be in a financial situation where a loan will help you with the burdens of college expenses.

Unsubsidized, are just the opposite. You do not have to qualify, the interest of the loan starts adding up immediately, and unlike a subsidized loan, there is no 6-month grace period for you start paying after graduating.

Get it?

Student Loan Interest Deduction

If you have student loans, the current amount of interest that you can deduct is $2,500. The easiest way to figure out how much of your loan is tax deductible is to do the following:

  1. Take $2,500
  2. Divide it by your average interest rate
  3. This gives you the amount of your loan that is going to provide you the highest tax deduction benefit


You have $50,000 in student loans, with an average interest rate of 7%.

$2,500 divided by 7% (.07) is approximately $35,714.

What this means is that the difference of $14,286 is not providing you any sort of tax benefit if you qualify for the tax deduction.

Which loans do I pay off first?

The amount of your loan that does not provide you any tax benefit, considering the highest interest rate, should be the loans you prioritize first.

From there, as you make your monthly payments, you will see that your total loan balance decreasing, you are maximizing your tax deduction, and pin-pointing the loans that are working against you.

Loan Repayment Financing

The goal here would to be lower the amount of interest you pay on your student loans. However, beware if you speak to someone who says they can lower your payment, your interest rate, but increase your term.

The reason why is that despite you saving “money” on your payment each month, in reality you are just paying more interest than if you just kept your normal payments.

Always consult with someone that you know who is knowledgeable in the subject before making a big decision such as refinancing your student loans.

Income Based Refinancing

Be very careful when it comes to refinancing your student loans that are “income” based. The reason why is if you expect to be receiving raises or promotions in the future, this can negatively affect you in the long-run.

A friend of mine refinanced based off of their income, which was around $35,000. After working at their company for a few years, they received a promotion, a raise, and that ended up hurting them because of income based refinancing.

Now, they are stuck in a payment that is actually larger than it was originally, which is not a benefit, but added baggage onto their financial picture.

If you are someone who’s income is not going to be fluctuating over the first 10 years of their career, then maybe income based refinancing makes sense. Just be cognizant that sometimes, it pays just to keep things the way they are.

Loan Repayment vs. Investing

This is a tricky question and it all depends on two details:

  1. What is the interest rate you are paying on your student loans?
  2. How much risk do you need to take in order to make more interest than your student loans?

According to Investopedia, “Approximately 10% is the average return for the S&P 500 since its inception back in 1928.  Adjusted for inflation the “real return” is more like 7%.  Also, worth noting that nearly half of the gains from the S&P 500 resulted from dividends. “

What this means is, if you are to invest your money, you need to invest in a way where the amount of “return” that you earn is more than what you are paying for your student debt.

Before you begin investing your extra money, it is very important to set a goal to have 3-6 months of your yearly income in liquid cash. I had an event last year on my home that was an unexpected expense. By having extra money for me to use, I was able to pay it without having to worry what account to take from.

When your interest rate is higher than 7%, historically, you can expect to obtain similar returns if you were to invest in an index such as the S&P 500.


Congratulations! You are now on track to becoming financially independent!

If you enjoyed this article, please share with your friends, and I will continue to post more help on various subjects that are important.

If you have any questions or suggestions for more articles, please contact me directly.

Warm Regards,

Joshua D. Krafchick CRPC®

Financial Advisor

4776 Hodges Blvd. Suite 203

Jacksonville, FL 32224

Office:   (904) 517-5413 

Mobile: (407) 637-6276

Fax:        (904) 517- 5415

Examples are hypothetical and for illustrative purposes only. The rates of return do not represent any actual investment and cannot be guaranteed. Any investment involves potential loss of principal.”

Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC.  Cambridge and RFW Wealth Advisors are not affiliated.  Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor.

Indices mentioned are unmanaged and cannot be invested into directly. These are the opinions of Joshua Krafchick and not necessarily those of Cambridge, are for informational purposes only, and should not be construed or acted upon as individualized investment advice. Past performance is no guarantee of future results.

Instagram Your Dreams

Instagram can help you fulfill your dreams, here is how.personal development, success, wealth, desire, dreams, think and grow rich, social media, instagram, confidence, dream board, vision board

You undoubtedly heard of the power of Vision Boards, and how they help you turn your greatest dreams and desires into reality.

Perhaps you have one already, or you created one for a school project when you were eight, not knowing the tremendous value it held.

It is a way to visually define who you want to be, where you want to go, what you want to do, and more. This is traditionally done with a collage (collected from newspapers or magazines) of words that empower you, photos of what you wish to materialize, people you wish to surround yourself with, and more.personal development, success, wealth, desire, dreams, think and grow rich, social media, instagram, confidence, dream board, vision board

Do not overcomplicate the board with questions of how or why.

By creating the board, you are taking action, and your mind will unconsciously absorb your own messages to help guide you where you want to be.

What does this all have to do with Instagram?

Simple. Let Instagram be your board.

You do not have to put your true identity, and you can keep it private if you wish.

While the activity of clipping and searching magazines for your success tokens probably has its’ own effect, Instagram provides its’ own benefits.

Once you have a physical board you can expand through Instagram.

Hashtags and social media can guide your own dreams and desires, to you. Or at least help you connect with others with similar interests.

You might even be able to start a business out of it, plus you develop your knowledge of social media.

It is the Law of Attraction at work.

personal development, success, wealth, desire, dreams, think and grow rich, social media, instagram, confidence, dream board, vision board
Photo by Kaique Rocha from Pexels

Get started today. Making an account is really easy and start sharing the words, items, and people that can spark you.


P.S. The one challenge to be aware of is making sure you give credit to photographers and/or look for public domain or creative commons photos. You can start here:

How to Start a Tribe

tribe, networking, friends, connections, building a tribe, how to build a tribe, relationships, friendships, professional, business
Photo by Helena Lopes on Unsplash

1. Pick a passion you want to explore further (X).

What’s something you love and wish you could connect with others on a deeper level about?

2. Seek out people who are also interested in X.

Start with your closest friends and branch outward (e.g. friends, acquaintances, people you know on social media, etc.).

3. Talk to them about X.

Ask questions, listen, share opinions and recommendations. In person is better if others are local, but digital conversations will be more convenient.

4.  Continue talking to them about X.

It could be every day, once a week, etc. Agree to some sort of cadence.

5. Recruit new people who might be interested in X.

Ask the people you’ve been connecting with if they know anyone who shares X passion. Continue to seek out people online and locally.

6. Keep going.

You can make your tribe as small or big as you want it to be. What’s important is that you step up and be the leader others are looking for.

What tribe are you interested in creating?

Article originally posted on shared with permission from the author.

Wealth and Health

Josh Krafchick is a financial adviser and creator of The Millennial Slackers Guide

Good health is not something that we can buy. However, it can be an extremely valuable savings account.

As Americans, we are highly susceptible to living unhealthy lifestyles.

We all have our flaws whether it’s:

  • Not having enough time
  • Too busy with work
  • Or just sheer laziness

Personally, I have worked hard to chase what I would consider my dream, and have found in order to do so you have to live a healthy, health wealth personal development, exercise, money, finance, success, lifestyle

According to the United Nations’ International Labour Office, unhealthy lifestyle choices cost U.S. businesses in upwards of $12 billion annually. That makes you think about whether spending $50/month on a gym membership for yourself or your employees is probably worth it.

Most people do not consider their health as an investment, but research shows that 23% of adults that are obese earn $35k or less each year, whereas only 5.6% of Americans who are obese earn $100k+.

Why do you think CEOs wake up really early to get in a morning workout?


As we approach every New Year, we set to lose weight or save money. Funny enough, they are actually both linked to one another! Studies have shown that regular exercise will substantially decrease your chances of heart disease and less risk of heart disease, meaning more money that you will save in your lifetime!fitness, health wealth personal development, exercise, money, finance, success, lifestyle

It has been proven by various studies that for those who exercise vs. doesn’t exercise, saves over $2,000/year!

Not only does working out help you save and earn more but making time to get in a work-out helps in a variety of other ways.

For example, it will release endorphins that will increase your happiness. Happiness is linked to increased performance in the work-place because people, who do business, enjoy doing business with people who are happy!

If you are someone who is unhappy or even depressed, you may tend to binge-eat junk food more regularly. Doing so will increase your cholesterol levels, similar to how credit card debt can clog someone’s personal finances.

On the flip-side, mortgage debt could be considered “good cholesterol” because home prices have increased substantially over the past 30 years.

A good starting goal is 2-3 hours of exercise each week.

It doesn’t have to be anything too intense, but going for a walk or taking a significant other to a dance class is moving in a positive direction to help improve your health and wealth.