Almost 50% of people under the age of 45 have a side hustle.

And here's some shocking news for some of you...

That means you are a "business owner".

But the problem is a lot of people don't think of themselves that way and forget to write off expenses on their taxes.

Now, don't be like that...

A lot of advice online about being successful is obvious.

But do you know why?

Because the heavy-majority of the population won't even do the absolute basics to give them a chance at success and the life they want.

I mean, we're talking about layups in practice. It's easy stuff.

And yet...

People...

This year is going to go down as one of the most unique of my life.

There were just a lot of things that happened that have never or rarely ever happened to me.

Here's a few examples:

• First year since I was 15 I didn't get a paycheck from an employer
• Built my first online course (and then 3...

Do you live in a commune? Plan on never having children? Like living in a van or tiny home?

Then the FI/RE movement (Financial Independence/Retire Early) may be great for you!

But if you're like 99% of other people that don't fit that demographic and you're chasing FIRE, you will probably find...

You have goals and you're pushing hard to stay focused.

But life comes at you fast in December...

• Holiday shopping for family, loved ones and Susan at the office because she's your White Elephant gift this year
• End of year deadlines so everyone needs something from you urgently
• Kids activities...

It's the season of giving and my family LOVES to give gifts to each other.

But we have an awesome problem...we have a huge family.

On my side, I have 4 siblings (and 3 nieces) and on my wife's side she has 2 siblings (with 4 nieces and nephews). We also have grandparents and cousins we are...

"I just wanted to tell you that 5-minute conversation we had saved me $2300!"

A guy at church just told me this.

What was the conversation about?

Negotiating your bills.

I told him to take a few hours and get some quotes on insurance and other monthly bills.

The crazy part...he only called around on...

You're missing out risk-free money.

I mean, as long as the banks don't go bankrupt, that is, which is unlikely.

You need to go dump whatever pile of cash you have lying around that's not meant to pay your monthly bills into a HYSA.

Now.

Why? And What's A HYSA?

A high-yield savings account (HYSA)...

I worked in the tech industry for a long time.

I know people in professional services, healthcare, law and at the top of their game in almost every industry there is.

The CEOs I've met over the years ranged from companies that had $1m in revenue all the way to $30B.

I've sat in rooms of 10...

This may be one of the most important posts I ever write around money. And it may look click-baity but that title is more serious than a snakebite.

This community is full of Heroes and Heroes know that the status quo doesn't get you anywhere worthwhile. That's why I'm here to tell you the...

"Yeah, yeah, I know what a 'system' is."

This is what I hear when I ask someone what it is.

I always get the same type of answer.

A loose example of a real-world system and the word "inter-connected" usually gets used instead of an actual definition.

It's okay, we all forgot high school physics,...