35 Keys To Financial Independence

In simple and easy-to-understand language, author Rich Brott explains that financially, you must "live below your means". If you have been living above your means, you are already in serious debt with no hope of becoming debt free unless you quickly change your financial habits. If you have been living within your means, you may be debt free, but you have little or no savings or investments to carry you through your retirement. What you must begin to do is live below your means. The book will show you how to do just that. Once you've accomplished the basics of getting out of debt, staying out of debt and continuing to live below your means, then the next big hurtle is to set financial goals that will keep you invested in simple, well-diversified, conservative investment vehicles. The only way to reach a financial goal is to work at it. The most important step in reaching that goal is to develop a plan to achieve it. That's why it is so important to plan ahead for your retirement and your financial future. While the idea of planning ahead and building a solid financial strategy for success can sometimes be intimidating and overwhelming, once you get started, it will become easier. With a little planning and a better understanding of what your investment options are, you too can successfully manage your money and pursue your financial goals.

Enjoying financial security in today's world takes more than simply earning a good living. Some people who have made extraordinary incomes for many years are in terrible financial shape and are not prepared for today, let alone their future. Author Rich Brott explains that it is essential to make decisions that will help you manage your resources if you are ever going to be financially secure. The problem is not our income, but our spending. Many waste much of their hard-earned money on the small and unimportant things. Don't fall into wasteful patterns of living. Make a decision now to be different, to live differently. You can get started on the road to financial freedom by putting the following 5 simple keys into practice immediately. Key 1 Stop Spending on Yourself Key 2 Control Your Cash Key 3 Live Below Your Means Key 4 Save for Your Future Key 5 Give to Others

This book is an ideal text for use in the classroom, small groups, church events and in junior high, high school and college settings. Author Rich Brott had designed the syllabus in a way that is user friendly, easy to teach, easy to learn. No prior knowledge is required from student or teacher. A summary of the content follows: Module 1 - God's Economy Lesson One: Money in God's Economy Lesson Two: The Cycle of Money Lesson Three: The Blessing of Giving Module 2 - Man's Stewardship Lesson Four: Principles of a Blessed Person Lesson Five: Persona of a Steward Lesson Six: Disciplines of a Steward Module 3 - Family Decisions Lesson Seven: How to Make Wise Family Decisions Lesson Eight: Facing Financial Challenges Lesson Nine: Defining Your Financial Future Module 4 - Spending Management Lesson Ten: Managing Your Cash Flow Lesson Eleven: Financial Benefits of Budgeting Lesson Twelve: Designing the Perfect Budget Lesson Thirteen: Developing the Savings Habit Lesson Fourteen: Borrowing and Credit Issues Module 5 - Making Lifestyle Changes Lesson Fifteen: Getting out of Debt Lesson Sixteen: Making Lifestyle Changes Lesson Seventeen: Areas of Financial Vulnerability Module 6 - Investing with a Vision Lesson Eighteen: Investing for your Future Lesson Nineteen: Planning for Retirement Lesson Twenty: Preparing for the Unexpected

A fully revised edition of one of the most influential books ever written on personal finance with more than a million copies sold “The best book on money. Period.” –Grant Sabatier, founder of “Millennial Money,” on CNBC Make It "This is a wonderful book. It can really change your life." -Oprah For more than twenty-five years, Your Money or Your Life has been considered the go-to book for taking back your life by changing your relationship with money. Hundreds of thousands of people have followed this nine-step program, learning to live more deliberately and meaningfully with Vicki Robin’s guidance. This fully revised and updated edition with a foreword by "the Frugal Guru" (New Yorker) Mr. Money Mustache is the ultimate makeover of this bestselling classic, ensuring that its time-tested wisdom applies to people of all ages and covers modern topics like investing in index funds, managing revenue streams like side hustles and freelancing, tracking your finances online, and having difficult conversations about money. Whether you’re just beginning your financial life or heading towards retirement, this book will show you how to: • Get out of debt and develop savings • Save money through mindfulness and good habits, rather than strict budgeting • Declutter your life and live well for less • Invest your savings and begin creating wealth • Save the planet while saving money • …and so much more! "The seminal guide to the new morality of personal money management." -Los Angeles Times

This book is an ideal text for use in the classroom, small groups, church events and in junior high, high school and college settings. Author Rich Brott had designed the syllabus in a way that is user friendly, easy to teach, easy to learn. No prior knowledge is required from student or teacher. A summary of the content follows: Module 1 - God's Economy Lesson One: Money in God's Economy Lesson Two: The Cycle of Money Lesson Three: The Blessing of Giving Module 2 - Man's Stewardship Lesson Four: Principles of a Blessed Person Lesson Five: Persona of a Steward Lesson Six: Disciplines of a Steward Module 3 - Family Decisions Lesson Seven: How to Make Wise Family Decisions Lesson Eight: Facing Financial Challenges Lesson Nine: Defining Your Financial Future Module 4 - Spending Management Lesson Ten: Managing Your Cash Flow Lesson Eleven: Financial Benefits of Budgeting Lesson Twelve: Designing the Perfect Budget Lesson Thirteen: Developing the Savings Habit Lesson Fourteen: Borrowing and Credit Issues Module 5 - Making Lifestyle Changes Lesson Fifteen: Getting out of Debt Lesson Sixteen: Making Lifestyle Changes Lesson Seventeen: Areas of Financial Vulnerability Module 6 - Investing with a Vision Lesson Eighteen: Investing for your Future Lesson Nineteen: Planning for Retirement

Everyone wants to maximize their personal cash flow. Everyone wishes to become financially independent. Everyone desires the ultimate financial freedom. So what's the secret to living a better, fuller, freeing life? In this book, Rich Brott shows you just how to do so. If you are going to maximize your personal cash flow, you must know that it cannot be done without financial accountability. But it is possible that you can be a responsible person and you can become financially accountable for every decision you make. You can develop habits that will insure financial success, regardless of how much or how little your income is. Many people earn very little over a lifetime, yet manage to save enough for a debt free and secure retirement. The book outlines 7 major principles that must find a place in your life. Read the book, and find your way to financial freedom.

Some people teach that we should give to get. Others teach that we should sacrifice and withhold from our family in order to give more. Neither extreme point of view is correct. We must provide for our family. We should not give to get. Our attitude should be one of obedience and liberality. The best way to give to the Lord is to understand all that He has given to us, and then freely give back to Him. Author Rich Brott provides a very balanced perspective in his latest book, Prosperity Has a Purpose. He notes that we gain by giving and we lose by withholding. When we freely give to God, regardless of our own personal need, we allow God to be big in our lives. We allow Him to provide for us. This can only happen as we buy into the principle of freely giving. If we are stingy in our giving and withhold from the Lord, we miss the many blessings and provisions He wants to shower upon us.

Becoming successful at managing your money begins with a commitment to follow biblical principles. In doing so, certain areas of your life must be confronted in an honest, open and accurate manner. You must confront the following areas: A. spiritual B. attitudinal C. habitual D. practical E. personal Addressing only selective areas of your financial life will not bring you to a place of success. You must be willing to tackle each area and come face to face with the clear reality of your past decisions. This means developing a new determination to change past spiritual decisions and the adopting of new biblical attitudes toward the management of your money. Only you can make a difference in your financial life. You can be successful at managing your money if you will begin to follow these 30 biblical principles. Author Rich Brott shows you how.