Category Archives: Travel

How To Get Financially Free Quickly

I heard this guy on the radio the other day say that you need at least 1 Million Dollars to retire comfortably.  Now that is pretty vague considering that if you live in Southern California in a 10,000 Square foot Home and your monthly bills require at least $20K per month to keep your head above water.  Or what if you live in Des Moines, Iowa and your home is paid for and you don’t have any credit card debt and you’re living on social security and get medical assistance from Medicare.

The above isn’t too far off from my brother and my father.  I think I am somewhere in the middle, but my point is that financial freedom is different for everyone.  If you want to know if you’re financially free – simply calculate how long you could go without working and still be able to pay all your bills?  For most, many are still living paycheck to paycheck and their only hope to retire is to collect social security.

If you’d like to be able to retire one day it will be based on 2 things – your monthly outgo per month – bills (homes, cars, boats, and health insurance) and how much you make (income).  It’s pretty simple if your bills are only $1000 per month, it will much easier for you to retire or take much less than someone whose bills are $20,000 per month.  For someone who’s bills are only $1000 per month they could live without working for 10 years if they had only $120,000 tucked away.  For someone whose monthly bills are $20,000 per month, they would need to have 2,400,000 tucked away to stop working for 10 years.

As you can see retirement will be very different for everyone.  For some, it may be just working part-time and living on some savings and for others, it may not even be an option and for a few lucky ones, they will be able to do it with their life savings.

Personally having worked for almost 30 years of my life and raising kids, I know how hard it can be to save money, so I would rather create income streams via investing in stocks, cryptocurrency, digital marketing, and selling Health & Wellness Products online.  This doesn’t take a lot of years and can create nice steady income quickly if you know what you are doing.  In fact, you can create all the above in only 12 to 18 months if you are smart about it.

Creating wealth beyond being an employee has been one of the most satisfying things for me personaly and fortunately, I have only worked as an employee for a few of the past 10 years.  I will say that it hasn’t been easy, but it has been very fulfilling at times.  Imagine being able to work a few hours per day and go do the things you love?  Take a vacation when you feel like it, not because you get a week or 2 weeks a year of paid time off, drive a luxury vehicle and have it paid for because your investments will pay for it.  The above is all possible if you think you can, are resourceful, and have a mentor to show you the way.  And the best part is, you become your own boss and create a lifestyle that most only dream about in a very short period of time.  It doesn’t mean you don’t work, but trust me it’s always more fulfilling working on your own schedule than someone else’s.  In fact, you may like it so much that you may never feel like you need to retire.  Being a home-based entrepreneur is like being permanently semi-retired.

If you’d like to work on creating multiple streams of income and start becoming financially free feel free to reach out to me at

Skype: jtlmusic
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Why You Need a Happy Goal!

A few years ago I remember thinking if I just got the bigger house or the fancy car or the bigger bank account I would be happy.  I got that and then one day it pretty much vanished almost overnight after a divorce.  I promised myself from that point forward I would only put all of my extra money into surfboards and guitars (which I did for awhile).  But then after 7 surfboards and 4 guitars, I realized that was kind of silly and that I basically would need storage for all the above.  Thankfully, my neighbor who is a good friend of mine now lets me store some of my surfboards in his storage house – ha ha.

You see, in business just like when you have a job you need to set goals.  Unfortunately, most goals are kind of mundane like – make more money, get a better job, or pay off debt.  These kind of goals are great, but they aren’t really happy goals.  Even though surfboards and guitars may seem silly to some, it’s actually not.  To me, I love to surf and play guitar (those things make me happy).

A few years ago I started reading up on happiness and minimalism.   And even though that didn’t force me to sell off all my surfboards and guitars I discovered something else that made people really happy, in fact, things really aren’t that important.  What they have discovered is what really makes people happy is experiences.  So a few years ago even though I had already done a ton of it already in my life, I started to travel frequently again. I would think about places to travel to and make a goal – a happy goal to take a vacation for a week or two and go and see new places and have new experiences.

“There are 3 things you need to be happy in life – someone to love, something to do, and something to look forward to.” Jimmy Buffett (American Musician 1946 – )

There is nothing quite like putting a vacation on your calendar for a week or two and scheduling it out for 2 or 6 months.  It does something to me when I work, as it gives me something to look forward to.  It’s a happy goal.  I find not only does my work become more manageable, but that I really enjoy those days leading up to that vacation.  In fact, I’m on vacation right now as I write this. I’m looking at the ocean and enjoying the tropical air from my hotel balcony.  it’s my 3rd vacation in the past 12 months. And when I vacation I don’t really do much business, I shut down and try to really enjoy the moments, because when it’s all said and done it’s not so much about the things you have, but the things you have done.  So my challenge to you if you aren’t already traveling and investing in experiences is to start doing it.  If you don’t vacation from time to time you are missing out in my opinion.  Plus, it’s a great way to recharge your batteries (your human batteries).

If money or your work schedule is keeping you from taking those much-needed vacations and traveling more, just know that happy goals will subconsciously force you to attract more money to make that much-needed vacation become a reality.  If traveling doesn’t interest you, at least find some things that you enjoy and start setting more happy goals around the things that you love.  It’s important to give yourself something to look forward to.