Money4Life™

In this episode, Rick sits down with Charles Rashid, a successful entrepreneur, investor, and business owner. Rick and Charles discuss how good old-fashioned persistence, combined with a passion for goal-setting and achieving can lead almost anyone to a lifetime of success in both business and family life. If you can find a way to take Charles’ advice and stay positive in all situations, opportunities will open up to you. Life is more fulfilling when you are achieving meaningful goals. Create a system in which you are writing your goals down and you are studying them when you go to sleep at night, AND when you wake up in the morning. This strategy will help you achieve far more. 

Parents should be teaching kids how to be businesspeople. In this episode, you’ll hear part three on how Teresa planted the seed in her son early on by exposing him to different entrepreneurial experiences. Have your kids or grandkids ponder this question: "What business will I start?" A child being raised to be entrepreneurial will likely progress well in whatever career path they take. The economy needs leaders, thinkers, and doers. It needs resourcefulness and resilience, and that will never change.

In today’s American culture, it seems that parents spend an inordinate amount of time protecting their children from hard work and the realities of life. They don’t realize this until it’s too late, and they’ve raised a life-long dependent. Instead, parents should be investing time and money into their children’s education with a focus on creating independent entrepreneurs. In this episode, listen to how Teresa did things differently with her son, Keating.

Many of us have tremendous influence over our children and grandchildren.  In this episode, hear from Teresa and her son Keating Kuhn as she shares some very unique perspectives on raising a hard-working entrepreneurial son.  Make the decision to raise independent, hard-working kids that understand the value of a dollar.  Teach your kids and grandkids how to think entrepreneurially.  Consider allowing your kids to make and spend their own money, which will give them a leg-up in what some describe as a spoiled American culture.

We find it mind-blowing that more than $17 trillion is sitting in savings accounts inside banks across the United States, earning on average LESS than 1% per year. We believe this is due to an awareness issue, and the fact that most Americans don’t know about products like the 100-Year Savings Solution. Evaluate all your holdings at the bank. What are you earning? Are you happy with your returns? In this episode, Rick and Teresa discuss the reasons you should consider moving your money into a whole life insurance policy like the ones offered by the 100-Year Savings Solution. Contact us today to learn how we can help your money out-perform a traditional savings account. Click here: bit.ly/100YearCallNow

We are seeing that there is a great divide happening in our society. This divide is NOT between right and left, or sleep and awake, but between those who consume and those who create. While absorbing information is important for growth, you also need to use what you learn to create and share with others. Ask yourself: What’s the ratio of time that you consume versus the time you create on a daily basis? Unfortunately, many of us spend our time reacting to the things that happen around us instead of using our energy to create. Start your day with creating something. You can change your life, step by step.

Almost 17 trillion dollars is sitting in savings accounts gaining pathetic returns. Most of the time, less than 1%! WHY? We believe this is because people are not aware of their options! Historically, whole life insurance has been one of the safest and most tax-efficient savings options available to Americans, yet, it remains one of the most misunderstood financial products out there. We began The 100-Year Savings Solution after asking ourselves one simple question: Why should people pay taxes on their savings accounts every year if they can get a much higher rate of growth and have it be tax-deferred? Hear Teresa Kuhn discuss the benefits of this solution, and why it is a much better option for your money than savings accounts, money market accounts, or CDs.

In this episode, Rick and Teresa discuss the organizational principle known as OHIO, which is an acronym for “Only Handle It Once”. OHIO is the idea of tackling a task or making a decision immediately so as to avoid having to revisit it, saving you both time and energy later on. This is a productivity strategy that can change your life. Putting things off can quickly add up, which creates stress. When you take care of something right then and there, it doesn’t weigh on your mind or distract you. We must begin to make decisions and then move on. OHIO!

Our Remembering and Creating Exercise has helped thousands of people over the past several years transition into a new year with a clear vision for achieving their goals. This quick, 2-page exercise is the BEST exercise to have with your team or your family. Reflect on what you have accomplished in 2020, and start planning on what you want to tackle in 2021. Take 30 minutes, fill out the worksheet, and be prepared to build 2021 bigger and better than ever before! Download the exercise at www.RememberCreate.com and share it with all the key people in your life. You will be amazed at the clarity you both will gain from such a simple set of questions.

A simple way for families to create a legacy-oriented set of values is by using your last name and finding a value that lines up with each letter of your last name. This simple exercise allows you to create a memorable list of values for your kids, assigning their meanings, and giving something very actionable to your child's legacy. Start with a philosophical motivation to create a set of values, to influence your family for generations to come.  We believe in implementing Simplicity, Probability, and Leverage as operating values in your family and business life.  Both Rick and Teresa use examples of what they are doing inside their own families to instill the importance of values.  They both believe that intentionality and common sense are not very common these days.

In this episode, Rick and Teresa shed light on what we are tolerating, what it costs us, and how we can change it. The majority of us are tolerating massive amounts of negative habits, negative people, and negative situations in our lives and we aren't doing a damn thing about it.  Why?! Make a list of all the bad things you tolerate and realize that you have a choice in whether or not you continue to tolerate those things. Shift from a complaining mindset and take action.  If you are complaining about something, you have two choices: either CHANGE it, or stop complaining about it. You’ll gain a tremendous amount of freedom by understanding the Toleration Tendency and becoming intolerant of each item on your list.

By balancing out strengths and weaknesses between players, you can greatly increase the probability of success of your team. When it comes to business, founders often hire people that are similar to them, when in fact they should be doing the exact opposite. Leaders should always master their strengths, and outsource their weaknesses. When developing a team inside a business, it's best to have many different types of personalities, so that all aspects of business leadership are covered. Would you hire 3 mediocre quarterbacks to try to win the Super Bowl? Of course not!

In this episode, Teresa and Rick talk about the tremendous lifetime value that can come from having a weekly, fixed-meeting with a solid group of like-minded, committed learners. Because birds of a feather flock together, why not create a flock of very successful people?  By surrounding yourself with people that you aspire to emulate, you can elevate your life fulfillment in all areas. Find people that have 2 characteristics:  a commitment to lifelong learning and the ability to meet at a consistent time each week.  During each mastermind meeting, rotate who leads and brings a thoughtful topic to the table for the group to hash out. Rick has been in a mastermind group like this for more than 30 years, and he credits his health, meeting his wife, and his career success to the wisdom gained from these relationships.

In this episode, Rick and Teresa discuss the concept of ”The War Room.” This game-changing activity involves getting all the important members of any business or family together in one room, and should be done at least annually. This gathering is called a War Room because during this meeting, the group completes a full current assessment of the company or family as it stands, followed by creating the goals and critical plans for the immediate future. It's important to invite the right people and have a quiet room. Be sure to communicate the full agenda in advance of the meeting so that everyone can plan to be fully present. War Rooms are beneficial because everyone knows where they stand, and gets a clear plan for the next year. Each person is aware of their roles and responsibilities, and action items are assigned accordingly. Plan your “War Room” today!

When you think about what will be written on your tombstone, it can give you a true north direction for your life. The human experience is to know that our lives mattered. Have you ever imagined what the people closest to you will say about you after you have died? Have your spouse and your close friends write your eulogy as if you are dead. Then consider the "Coffin Exercise," where each person reads what they wrote to you. When Rick read the eulogy that his wife wrote for him, he was surprised to find that she only focused on his positives and he felt incredibly appreciated. After death, most of our negatives are forgotten. Understanding this concept allows us to appreciate the people closest to us more, while also giving us the fuel to live a more empowered life.

Do you find yourself constantly overcommitting and saying YES to time-wasting people, activities, and behaviors? It is best to ONLY focus on your life priorities, as opposed to spending time on the massive number of distractions that surround us. Write down the 25 things you'd like to accomplish. Then circle the top 5 from that list. From now on, don't spend even a minute on the other 20 things. Imagine achieving 5 massive goals each year. How much would you be able to accomplish in 10 years? There are very few strategies that are this straightforward and simple, yet can produce such powerful results!

Why doesn’t the government and schools teach our kids more about how to be successful adults? So much today that is defined as education is really propaganda. Education should be about equipping kids for life as an adult. Circumstances today, more than ever, allow us to home school and self-educate. Yes, this is a much harder road, but the dividends are lifelong. Successful children become successful adults who have high levels of self-esteem and self-worth. We should teach kids how navigate later in life, and focus on financial intelligence, relationship skills, and personal development. These are three areas in which we all need to learn, but none of that is taught in public education.

Rather than watching the players on the field of life, why not BE the person on the field, and have other people watching you? Stop the nonsense and so many types of diversions so that you can be fully present with your purpose! We are being taken advantage of and at some level being manipulated, controlled, and lulled to sleep by a combination of popular culture, food, news, entertainment, etc. All created to create distractions. Try to be as conscious as possible, without allowing distractions into your life. Get busy with things that are important. Get totally conscious of your power to create your life by design.

Stop over-thinking things! Do you know people who analyze things to death before finally coming to a decision? Are you one of those people? In this episode, Rick & Teresa discuss how we must identify our instincts and values, then always trust the two in our decision-making process. You get immense freedom by simply making a decision- and moving on. The idle time spent worrying instead of deciding is fear-based. Courage can be defined as the ability to act on limited data and insufficient information. In reality, that's all we are ever going to have.

Why are the people that seem to have the most, often the least appreciative of what they have? We all have a choice when we wake up in the morning- What kind of day am I going to have today? Choose your day now. Don't let outside influences, like the media, bring you down. Learn to have gratitude, not resentment. Resentment is like preparing poison for someone else, but drinking it yourself and waiting for the other person to die. Recognize the difference between the two, be more appreciative, and create the life you want.

Consider that every single problem you've ever had was caused by NOT deciding to get a bad person or a bad habit out of your life as soon as you could. We pay a heavy price when we don't kill snakes when they are small. In this episode, Rick and Teresa discuss how we shouldn’t let small problems become big problems.  Anytime there is something in your life that doesn’t feel right, it’s best to stop it right then, dead in its tracks.

Money is an opportunity in a relationship. When couples work together toward a common vision, they can do anything. In this episode, Teresa interviews Rick on how to manage yourself in the world of dating when it comes to money and finances. Put a tremendous amount of thought into the type of person you want to be in a relationship with. What are their values exactly? How do they spend and save money? Create a list of values that you want in a souse, and don’t compromise! If you want it bad enough, the universe will conspire to bring that person to you.

Self-governance is about understanding that you have control over your environment and then taking responsibility for what that environment consists of. Our culture has shifted from a self-governing culture to a “wait for someone to give me something or tell me what to do” culture. Parenting has changed and therefore the values that future generations possess also have changed. Can you imagine how much better the world would be if every person self-governed themselves, individually? We must stop this idea of waiting for a hand out and begin to create our own opportunities. We all have areas of our lives where we forgo self-governing, and those are typically the areas that aren’t working.  The older we get, the more we realize that success comes from self-governing in all areas of life. Only when we become fully accountable to ourselves, can we achieve total life fulfillment.

When it comes to investments, most people like to think they are the predator, when in fact they are actually the prey.  Both large and small companies have preyed on people with money since the beginning of time.  The investment "game" is not much different than being at a casino in Las Vegas, where "The House" always wins. Teresa and Rick have watched thousands of clients, friends, and colleagues attempt to navigate the investment world, and virtually all of them end up on the wrong side of the equation. You can avoid this losing game by be conscious and aware of how you are REALLY doing with your financials. Don't believe that you can learn the investing game late in life.  It takes decades to learn the art of successful investing and people lose a lot of money in the form of mistakes. Don't fall into that trap. Make sure you’re working with trusted advisors who aren’t only concerned about a commission but concerned with helping you create generational wealth and protecting the financial future of you and your family.

The only 2 industries in which people are referred to as "Users" are the tech industry and the illegal-drug industry. In this episode, Rick and Teresa discuss the newly released Netflix documentary The Social Dilemma. In this film, we're shown how corporations are using powerful artificial intelligence and algorithms to figure out how to pull our attention toward the things they want us to look at, instead of the things that are more aligned with our goals, purpose and values. We want you to live a life excelling in the 4 areas of Faith, Family, Finance and Future. How can we achieve when we are distracted and hypnotized by social media? We should take inventory of our time, as well as our kids’ and grandkids’ time, and enforce limits and boundaries. Take decisive action to take back the control of what you and your family is exposed to. Break the addiction to screens and manipulated content now. Live life on your terms, not some tech company's terms.

The only 2 industries in which people are referred to as "Users" are the tech industry and the illegal-drug industry. In this episode, Rick and Teresa discuss the newly released Netflix documentary The Social Dilemma. In this film, we're shown how corporations are using powerful artificial intelligence and algorithms to figure out how to pull our attention toward the things they want us to look at, instead of the things that are more aligned with our goals, purpose, and values. We want you to live a life excelling in the 4 areas of Faith, Family, Finance, and Future. How can we achieve when we are distracted and hypnotized by social media? We should take inventory of our time, as well as our kids’ and grandkids’ time, and enforce limits and boundaries. Take decisive action to take back the control of what you and your family are exposed to. Break the addiction to screens and manipulated content now. Live life on your terms, not some tech company's terms.

How does one have enough time to make a living, take care of family, AND then become an expert in different ways of investing? They likely don't. Risk comes from not knowing what you're doing, and when it comes to investing- common sense is your best friend. You must admit that most likely "Investing" is not a topic that you know a ton about, and that could cost you dearly long term. Financial education and preparation are the keys to success. Applying the values of Simplicity, Probability and Leverage are your best friends when it comes to this topic.

Today’s society has an addiction to information. It’s almost as if we have an addiction to adding things to our lives. Ask yourself: Why is every minute of every day of my life FULL? As a society, the vast majority of us are exhausted, overwhelmed and unhappy. It seems that as someone gets more information on a topic, their results in that area decrease. We can get our hands on more health-related information and financial information than ever, yet the bulk of society is failing in those areas. Hear Rick and Teresa discuss the idea that more information does not equal more results.

Today’s investors are overloaded with information on market performance. In this episode, you’ll learn why it is imperative that you tune out the noise, and refrain from buying or selling under pressure. Most importantly: always let your objectives lead your investing. Rick and Teresa suggest the first thing that all investors need to do is DEFINE their overall objectives. An objective decision is one which is not influenced by one's personal feelings, perspectives, interests and biases. Filter out any investments or investment decisions that are not aligned with achieving your objectives. Remember, risk, which causes loss of capital, is the most important thing to avoid.

These days, our lives are filled to the rim and overflowing with stress, anxiety and distractions. How can you become radically more productive? How can you simplify your life to cut out the chaos? In this episode, we talk through embracing the Money4Life philosophy of eliminating the unnecessary in order to be fully alive and on purpose. On a daily basis, start keeping track of every chore or task that you do. Then ask yourself three questions: Should I eliminate this? Who can I delegate this to? How can I automate this so that I never have to do it again? Rick and Teresa both do this quarterly, and it has saved them an immense amount of time, money, and sanity over the years. Implement this strategy today and you’ll be amazed at how much more you will be able to accomplish.

Rick and Teresa take a deep dive into the Wealth Probability Index, created by The 100-Year Savings Solution™. We have created The Wealth Probability Index (WPI) as a self-guided tool that assesses your likelihood of creating generational wealth, or a legacy of wealth that will provide you and your family with simplicity, probability, and leverage in your financial life, now and into the future. This self-guided evaluation identifies your attitudes around money, and what those attitudes mean for your financial wellness. Take our 5-part quiz and find out your score at www.GetMyWPI.com. Not only does it let you know where you are with your financial wellness, but it provides an idea of where you can go. Find the areas in which you need to improve in order to attain generational wealth.

In this episode, Teresa and Rick sit down to discuss the clarifying difference between values and purpose.  A value is defined as something you do for yourself to improve your life, for example, "I value eating healthy".  Your purpose is something that improves the world, such as “My purpose is to cure hunger worldwide.” What gives you passion and excitement in your life?  Look there to identify your values and your purpose.  When you are clear about your purpose and your values, it elevates your life fulfillment, your accomplishments, and your energy.  Everything in your life shifts and improves in a positive way. Take your purpose and values and align all areas of your life around these important things. How you do anything is how you do everything!

Many people who died during 9/11, left behind spouses and families who were not aware of or prepared to manage the finances. In this episode, Rick and Teresa talk about the importance of having your finances in order and your wealth PROTECTED. Bad things are inevitable and happen to us all. However, most "negative" things that happen to us, can actually improve our lives and help us create wisdom. Take an issue that you are dealing with NOW, and look at it from the perspective of, "What lesson is this issue meant to teach me?" The lesson 9/11 taught about money, is that families should have an emergency plan for their finances, just as they have an emergency plan to get out of the house if it is on fire.

In this episode, Teresa and Rick sit down to talk about you can free yourself up to the most fulfilling life possible by removing the “mask” that is holding you back. You are NOT your current circumstances or your past. You ARE your purpose and your future. Too many people waste their lives being focused on mistakes and circumstances from their pasts, and fail to ever be fulfilled in their present lives. They discuss how to remove the mask, by developing a simple purpose statement for your life. Make decisions based on your core values and stick to your purpose statement. Developing a mind that allows you to observe yourself - through meditation, coaching, and accountability will allow you to achieve Simplicity, Probability & Leverage.

You can’t always judge wealth by appearance. Your neighbors may be wealthier than you think, and your seemingly “rich” friends could be exactly the opposite. In this episode, Teresa and Rick sit down to discuss two popular books: The Millionaire Next Door, and The Next Millionaire Next Door. These concepts, developed by Thomas J. Stanley, are together a strategy of achieving long-term wealth by developing an early lifestyle of living well below your means. Building wealth is a marathon, not a sprint, with discipline being of the utmost importance. Discipline is required to transform income into wealth. Spending less than you make, always being frugal, and spending time planning your financial future can help you attain the level of legacy wealth you need to retire comfortably. Take care of your money responsibly today, and it will take care of you tomorrow.

The greatest gift you can give to a child is to teach them the importance of being independent. American kids today seem to be connected to an I.V. drip of never-ending video games, social media, and screens. There is a frustrating commitment to things that are not real, tangible, and/or value-generating. We must begin parenting and grand-parenting in a way that moves children closer to their God-given right to be entrepreneurial and independent. Teach them about money and how to save it. Help them understand hard work by assigning chores and rewarding chores with an allowance. Have family dinners together, and discuss value-generating topics, such a determination and learning from failures. We believe that all human beings are born to be entrepreneurs. It is human nature, but today's society attempts to beat entrepreneurship out of people and replace it with dependence. It’s time to beat it back into them! If we all embrace some of the practices above, imagine how we could catapult future generations into success?

Life is not fair. It never has been and it won't ever be. We are all living, breathing human beings, given opportunities to make something of ourselves every single day. Rick and Teresa talk about how we should not fall into the trap of waiting for fairness or feeling like we are victims. We must stop looking at all the “crimes" against us, as they will only disempower us. Don’t view someone who is more successful than you as lucky. Success takes work and great opportunities aren’t just going to fall into your lap. Life is a gift and we must change our perspective from a taker to a maker. Surround yourself with solid people, who will hold you accountable to positivity, motivation, and growth, and people that will let you know if you’re slipping into the wrong mindset. Do the same in return for those people. Stop waiting for opportunities and create them!

Adding weekly calendar rhythms to your personal life and your business is a very simple step you can take to get more done and have a more fulfilling life. We have become a medicated, lethargic, lazy, media-binge-watching society. A way out of this funk is to take control of your life, and your calendar. Hear Rick discuss how to decide what areas of your life are in need of a boost, and how to setup recurring processes around those areas that will keep you, your family and your business on track. We must think about, plan, and implement all of the rhythms, rituals, habits, patterns, or meetings that we need to habitualize. This strategy will amplify your time will, make you immensely more productive and eliminate the funk of under-achieving. Know your schedule. Start tomorrow!

A simple way to radically improve the quality of your life is to embrace “Long-Termism” as an operating principle in your life. In this episode, Rick explains the idea of “Long-Termism”, and how moving your mindset to focus on decades into the future can impact the decisions you make today. He uses the example of marriage. If you want a long-term marriage, write down a description of your relationship 10 years in the future, 20 years into the future, and 30 years, etc. When you think about the big picture with a long-term mindset, you are more easily able to identify the things in front of you right now that are definitely not going to help you get there. None of us want to look back and wish we would have made better choices. They say hindsight is 20/20. Making a commitment now to put the principle of long-termism into operation in your life, in all areas, will instantly increase the odds you end up where you want to be.

We have trained ourselves to have incredibly short attentions spans, due to the electronic leash and electronic "buzz" that is always on. This has caused the average American to have an attention span between only 7 and 13 seconds. In this episode, Teresa and Rick talk about cutting the addiction to news and media. We live in an immensely distracted world. We as a society must shift from an immediate gratification mindset to a future-based and long-term mindset. We believe that you have a duty to find out what your individual life passions are and cut out all the nonsense. Focus on your goals and nothing else!

In this episode, Rick teaches how to align all of your resources to produce the most value in the marketplace and achieve more success. We believe that individuals and organizations need to learn how to partner, outsource, and leverage resources, so that they can do more with less. The “New Profit Paradigm™” replaces the old mentality of first spending money in your business, and then waiting for revenue and potential profit to come later. It focuses on an equation with the four P’s: Purpose, Profit, People, and Planet, on the left side of the equation, and increasing recurring revenue, lowering fixed expenses, and creating variable expenses on the right side.

Here’s the truth: Personal finance isn’t just about the math. Your words, thoughts, emotions, relationships, and past history affect your relationship with money. In this episode, Teresa sits down with Christine Luken, known as “The Financial Lifeguard.” If you're ready for a change, it's time to feel empowered and learn the strategies to confidently make money decisions. As the Financial Lifeguard, Christine shows you how to manage the emotional side of money and guide you to a place of certainty with your finances. If you aren’t where you need to be, you need to hear Christine’s message. You can learn more about her 5-step process here: https://www.christineluken.com/.

In this episode, Teresa shares a story with Rick about her dear friend who sustained a spinal cord injury that ultimately changed her life. Although paralyzed from the neck down, due to her positive attitude despite odds against her, she lived a fulfilling life and became a role model for Teresa and for many others.   We all need to develop skills to overcome any and all obstacles- no matter how big they are. Every one of us has the potential to improve from our current circumstances, and achieve more. Start by being grateful for everything you have in your life, both good and bad (since the bad things can often be lessons to learn from). Develop a practice around being present to your life as it is right now, without regard to mistakes or circumstances in your past. Embrace life and live full out and positively.

In this episode, Teresa and Rick talk about the ten MAJOR decisions people make in life, and how to view those as a punch card. Think about the top ten decisions one makes over the course of their life, and the consequence of when we choose poorly. Important decisions like: Who you have a child with? What career educational track you choose? What career did you choose? Where you live? Who you marry? All of these are life-alterning decisions and we often don't take them that seriously. We must realize early that the decisions we make now can cause a lifetime of fulfillment, or a lifetime of disappointment. Make a plan for your life and focus on making big decisions that not only align with your plan, but cause a chain reaction for the smaller decisions to reach your goals.

Life can be much easier when you have some rules in place that guide your decisions.  These simple rules can save you massive drama later in life.  In this episode, Rick sits down with Teresa to discuss streamlining your life, so your decisions become more consistent and aligned with your objectives. Decide all the areas of your life that aren't excelling like you’d like them to. From there,  create rules you can follow, which will make those areas more successful.  Start applying the rules immediately and you will quickly see a difference.   Teresa and Rick have been applying rules-based decisions for their entire adult life. It's easy to continue once you get started. Remind yourself this to keep accountable: When I break a rule today, I create 10 more days of work later.  We all know how painful breaking rules can be. People rarely make the same mistake twice- they make it 20 or 30 times. Implementing the rules-based decision making strategy can simplify your life.  

It is important to be willing to fail in life. The more you fail, the more the odds are of you being successful and fulfilled. In this episode, Rick and Teresa talk about the feeling of accomplishment, and how you should always play life on the field, not in the stands. Too many people are just sitting back, waiting for life to happen to them, rather than having a learner’s mind or being open to learning new information. Don’t let life pass you by- get on the field!

The goal of any life should be to live a well-lived and fullfilling life, such that, when one looks back, they see many accomplishments in accordance with a pre-established set of consistent values. This type of life leaves a legacy for all to see. In this episode, Rick and Teresa discuss how chasing happiness is too short term. What you really want is fulfillment, NOT happiness. You want a long-term focus in your life. When you have this long-term focus, it brings more fullfillment, which is not the same as short-term happiness. A fullfilling life is a consistent life, and a less chaotic life. And...in the end of your life, you are fully spent when you die.

We have three MASSIVE institutions governing our lives and teaching us and our families how to think and what to think. The big idea is that "Self Governance" if the most effective way to live. We all know that Bigger is not always Better. In this episode, Rick and Teresa talk about why we need to seek independent sources of information and not always trust big media that is blasting its way into our homes and lives. These big entities exist to sustain themselves. Be very careful who you trust. Get your information from your own perspectives. Take total and complete responsibility for who and what enters into your homes, your businesses, and into your ears. Teach this to your family. Take the time to plan how you will cut the non-values-aligned crap out of your life.

In this episode, Teresa and Rick talk about how our culture of consumerism and keeping up with the Jones's has been costly. The American culture has evolved into a culture in which we over-consume and we don't focus on saving money. We now have opportunities to build real wealth by investing more wisely, and by spending far less than we earn. The 100-Year Savings solution is a counter-culture idea that helps people live a great life AND have the ability to create real wealth. The first step is to develop and be OK with, a counter-culture mindset. Reorganize your finances to be sure that each time you get paid, at least 20% of your savings is going into a long-term, low-risk investment product.