There is no substitute for consistent, hard work. I had a business coach who taught me an incredible principle. She said, “Zach, you need to know when to take the stairs, know when to take the escalator, and know when to take the elevator.” It is very tempting to take the elevator as often as possible, but often, when you are quick to jump on the elevator and get to the next level, you lack the muscle you would have built had you taken the stairs. There are certainly times in life when the...

Homes are among the most secure assets to purchase, though, as anyone who lived through 2008 will tell you, they are not bulletproof. When purchasing a home, you have already learned that your goal is to keep your monthly mortgage payment, including taxes and insurance, at or below 25% of your take-home pay. Most people are not there today. However, if you are considering a new purchase, your target is to be as close to this number as possible. If you purchase a home that is over 25%, it will...

When you look at your gas tank, and it's on empty, what feeling does that elicit? If you’re anything like me, you can’t stop thinking about how many miles you have left until you are going to be on the side of the road. There’s a feeling of anxiety, and if nothing else, it is on my mind every mile I drive. When it comes to our money, too many people are running on empty. The path I am leading you down is one that establishes a full tank! Once you have completed all 8 steps and maintained...