Here’s what we have on deck today:

📗 Read: Sharing Some of Your Wins in 2024

🎙️ Listen: The 4 Most Dangerous Financial Traits (Avoid These at All Cost!

🎉 Sharing Some Amazing wins from You all!

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Wow—2024 has been an incredible year! We received hundreds of responses from you all, sharing the amazing financial wins you’ve achieved. Whether you’re tackling debt, growing your income, or making life-changing investments, this community proves that small, consistent actions lead to massive results.

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Here are some of the standout wins:

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Debt Payoff Wins 💸

• One couple paid off $52,000 in car loans, student loans, and credit card debt while doubling their emergency fund.
• Another listener cleared $14,000 in student loans and still managed to max out their Roth IRA.
• A family broke free from whole life insurance traps, swapped for term life, and redirected their savings into high-growth investments.

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Career Growth Wins 📈

• A listener negotiated a 40% raise at their one-year review after applying lessons from the podcast.
• Another took a leap of faith, switching to a medium-risk, high-reward job that boosted their income by 20% in the first year.
• A stay-at-home parent launched a small business specializing in hard drive and data destruction, generating $30,000 in revenue within months.

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Savings and Investing Wins 📊

• A 16-year-old maxed out their Roth IRA for the first time—setting the bar high for building generational wealth.
• One family saved 37% of their income, allowing them to invest in a once-in-a-lifetime opportunity while still enjoying vacations without stress.
• A couple nearing financial independence grew their net worth by $130,000 in just one year, proving that intentional saving and investing work.
• A listener doubled their emergency fund from $15,000 to $30,000, securing six months of expenses.

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Life Milestones 🏡

• A newlywed couple from the UK bought their first home and is already planning to turn it into a rental property for future income.
• One family sold their live-in flip for 3x what they paid and rolled it into their forever home—with room to build out a rental unit for added cash flow.
• Another listener shared that they welcomed their second child this year, all while hitting major financial goals.

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What’s Next for 2025?

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​As we head into the new year, it’s time to reflect, recalibrate, and reimagine what’s possible. Here’s the takeaway from 2024: Success takes time, but it’s absolutely within your reach.

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Keep building momentum. Whether you’re just starting out or leveling up, stay consistent and intentional. Your wins—big and small—are proof that you can create the financial future you want.

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Thank you for being part of this community and sharing your stories. You inspire me every single day, and I’m so proud of what we’ve accomplished together.

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Here’s to mastering your money and crushing your goals in 2025!

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P.S. Next week have a special bonus podcast episode sharing everyones wins!

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Got a win from 2024 you haven’t shared yet? Hit reply—I’d love to celebrate with you!

The FED Cuts Rates

The Federal Reserve recently cut interest rates, signaling a shift in monetary policy aimed at balancing economic growth with inflation control. Here is a chart of rates over the last 5 years - just so you can see the rollercoaster ride we are on.

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This move impacts your money in several ways: borrowing costs for mortgages, car loans, and credit cards may decrease, potentially saving you money. However, lower rates also mean reduced returns on savings accounts and CDs. For investors, rate cuts can drive stock market gains as borrowing becomes cheaper for businesses, but they might also dampen bond yields.

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Now is a great time to reassess your financial strategy—consider refinancing high-interest debt, exploring higher-return investments, and ensuring your savings are still working hard despite lower interest rates.

​Start at the End: How Companies Can Grow Bigger and Faster by Reversing Their Business Plan​

​The 4 Most Dangerous Financial Traits (Avoid These at All Cost!)​

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​What Do I do With an HSA at an Old Employer?! (Plus How to Avoid RMD's) - Money Q&A​

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​The 4 Most Dangerous Financial Traits (Avoid These at All Cost!)​

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