Be Wealthy & Smart

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**Be Wealthy & Smart**

Money, personal finance and financial freedom – get your money to work harder for you so you don’t have to work so hard. Linda made $2 million at age 39 and shares actionable knowledge to create wealth in the stock market, real estate, and business. Discover a wealth mentor who shows you a direct path to security, stability and financial freedom. This podcast has a balanced view of how to enjoy life, it is not about frugality. It won’t show you how to save a few dollars, it will show you how to save tens of thousands of dollars. Short episodes get to the point without fluff and give you valuable advice you can put to work immediately. Learn the 6 Steps to Wealth by starting with creating a wealthy mindset. Listen to one podcast and you may find yourself binge-listening to the entire library of knowledge. Be sure to subscribe so you don’t miss an episode.

Latest Episodes:

6 Tips to Avoid ATM Fees Jun 29, 2018

Show notes

Learn ways to avoid paying ATM fees to access your own money.

Banks earn $1 billion annually on ATM fees.

I have eliminated ATM fees completely and suggest you do too.

Here are 6 ways to easily avoid paying ATM fees.

8 Things Rich People Believe Jun 27, 2018

Show notes

Learn 8 things that rich people believe and how it can help your wealth building.

The article is here: http://www.cnbc.com/2016/10/11/8-ways-rich-people-view-the-world-differently-than-the-average-person.html

5 Reasons to Become a Good Saver Jun 22, 2018

Show notes

Learn why it's important to have more cash available and what to do with it.

Step 2 of the "6 Steps to Wealth" is Save a Nestegg.

I'm talking about having cash available.

You should become a good saver because:

1. It is a good financial habit. You are less likely to have financial trouble if you are good at saving.

2. You have an emergency fund available. Should anything happen that was unexpected, you have cash available to pay for it and won't have to use credit cards with high interest rates.

3. It gives you options. If you save a lot of money you can choose to invest and grow it such as in an IRA or pay cash for a car or put a healthy downpayment on a home. You need capital to invest.

(Almost 40% of people put less than 10% down on a home purchase. That means you have PMI payments until you reach a 20% down payment).

4. There is an opportunity cost to your money. Warren Buffett has said he doesn't want a mansion because he realizes how much more his money will grow (compound) to when it is invested instead of sitting in home equity.

5. You can pay cash for travel and take advantage of good deals, such as discounted assets at auction or fire sales of others who are desperate for cash.

If you want to take a cruise or go to Hawaii, save enough money first! You don't want to pay for a vacation with money you don't have, then have interest on your credit cards to pay it back. If you make a late payment on a certain credit card for example, your interest rate can be 29%!

Of course, you want to be a long-term saver for retirement, education and larger expenses like a new roof.

Get in the habit of saving FIRST, then spending.

Reverse the habit many have of spending money you don't have, only to have to pay it back with high interest and be drowning in debt.

Please subscribe and leave me a review on iTunes or Stitcher Radio.

Connect with me on social media at Twitter and IG @Lindapjones and Facebook @lindapjonesfanpage.

Is There a Wealth Gene? Jun 20, 2018

Show notes

Learn if you are pre-disposed to wealth or if it is a matter of habits and choices.

Do you know that wealth is a choice?

Learn the 6 Steps to Wealth and how to go from $0 to wealthy.

It's not about how much you make or how much you don't spend.

For example:

Person A: Makes $40,000 per year. Over their working lifetime of 30 years, they will earn $1.2 million.

How much of that money will they keep?

The average savings rate in America is currently 2.8%...

...And 2.8% of a $40,000 annual income is $1120 per year saved; a total of $33,600 saved over 30 years.

Person B: Makes $40,000 per year. Invests $5500 per year (maximum under age 50) in an Individual Retirement Account (IRA) and averages 10% in the stock market for 30 years.

They retire in 30 years with $1,091,160.

In 30 years, Person A will have $33,600 and Person B will have $1,091,160.

Which one are you?

Connect with me on Instagram.com/LindaPJones for a daily wealth tip.

Investments for a Late-Stage Economic Cycle Jun 18, 2018

Show notes

Learn what characterizes the late stage of an economic cycle, how it can indicate what's coming in the stock market, and where to invest.

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Bitcoin, 10% Returns & Listener Q's Jun 15, 2018

Show notes

Learn answers to questions from listeners.

Be sure to subscribe and leave a review!

Best Performing Sector Funds YTD Jun 13, 2018

Show notes

Learn what sector funds are performing the best year-to-date.

See performance chart posted on my website at www.lindapjones.com.

Subscribe to Be Wealthy & Smart and leave a review!

3 Ways to Prepare for Money Before You Have It Jun 11, 2018

Show notes

Learn why "money is like a newborn baby. You have to prepare for it and learn about it BEFORE it arrives.

Real Millionaire Habits Jun 06, 2018

Show notes

Learn what habits are supposed to make you a millionaire and which ones really will.

Recently I came across an article on habits to become a millionaire. The only problem was, it was so ridiculous it made me laugh!

Here are some of the points they said could make you a millionaire:

If you make your bed, you're 206% more likely to become a millionaire.

Seriously. Make your bed?

Hmmm.

What else did it say?

Well, it didn't recommend any specific financial things to do, but a list of seemingly random things like:

*Smile at your neighbors *Wake up early *Read books (but not necessarily financial ones) *Make a to-do list *Work hard *Don't gossip *Talk less *Listen more

Seriously! This was the list!

This is supposed to be great information to help you become a millionaire?

I don't think so.

Financial information should help you get ahead, be specific and actionable.

Financial literacy is lacking, this is a good example why.

Becoming a millionaire isn't random acts, it's specific steps.

That's why I coined the "6 Steps to Wealth". It's the step-by-step description.

1. Create a Wealthy Mindset 2. Save a Nestegg 3. Find a Mentor/Knowledge 4. Invest in a Money Engine 5. Compound at a High Rate 6. Protect Your Wealth

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Should You Have an Airline Credit Card? Jun 04, 2018

Show notes

Learn the pros and cons of airline credit cards and if they are right for you.

Here is the article: https://www.cnbc.com/2018/06/01/before-signing-up-for-an-airline-credit-card-weigh-the-benefits-against-the-cost.html

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