Side Hustle Your Way To Financial Freedom!

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how to get through unemployment

Getting Through Unemployment

I’m currently going through my second bout of unemployment, thanks Covid.  This time around it’s no problem at all.  The first time was HORRIBLE!  This time around my wife is making $3,000 more each month.  Our debts have dropped by over $1,000 a month.  And we have an investment property that brings in $700 each month.  We made major life changes the first time I lost my job and we’re honestly better off because of it.  Still, getting through unemployment is not easy.  If you’re doubting yourself, I promise if I can get through it you can too.


My Useless Education

I graduated with a 4-year degree in Nursing, passed my boards with ease and was part of the Nursing Honor Society.  Just 1 problem.  I realized in my 4th year that I had zero desire to be a nurse.  It wasn’t what I thought it would be, and I found that out the hard way.

I had been working full time while going to school for an ecommerce startup managing the warehouse.  Turns out I really liked that job.  We sold high end furniture and I was making amazing money for someone in college.

When I graduated, the owner of the company told me to forget nursing and stay with the company.  He offered me a six-figure salary so I stayed.

My though was I could always go back to nursing.  But a year turned into 2, then 3 and before I knew it 6 years had passed, and my nursing education was pretty much obsolete.

At the time I had no regrets because I figured my education worked as leverage to get me a six-figure salary right out of college.  That was until things started to fall apart.


When Your Boss Moves Out of State

Promotions continued to roll in and eventually I was the big cheese.  The owner decided to step away and I handled every aspect of the business operations.

The boss was so comfortable with me running everything that he even moved out of state.  It wasn’t unusual for a month to go by without him showing up even once.

This was actually a dream come true as I didn’t care for the man at all.  He seemed nice on the surface, but he was a self-centered narcissistic pig.  He’d cheat on his wife, screw over vendors and customers without thinking twice.  He never crossed me, so I stayed, but he was just a terrible person overall.


The Company Moves Too

One day I get a call from the owner of the company.  He says the warehouse’s lease is coming to an end and he wants to purchase a warehouse right down the road from his new home and move the business closer to home.

It was in that moment that I knew I was totally screwed.  He lived 2 states away on the other side of NYC pretty much a good 4.5 hour drive.  My wife has a fantastic job so moving with the company was out of the question.

We threw around the idea of getting a new lease at a larger location close to where the old place had been.  We talked about key man insurance on me.  Then he dropped a bomb…

The only way the company would stay in the area is if I were willing to start an LLC, sign the lease personally, and run the company that way.

I can’t even begin to explain how much this muddied the waters and the amount of stress this created trying to figure out what would be the best move for me.


The Inevitable

After looking at locations locally and strongly considering signing a lease to not lose my high paying job, it was too late.  A warehouse by the owner opened up and he was putting in an offer.

The location of this place was TERRIBLE.  The loading dock was terribly slanted and too small for an 18 wheeler.  It was 25 minutes from any main highway and over an hour from New York (where most of our clients came from).

None of this mattered, he wasn’t doing it for a purpose other than he just wanted to do it.


Depression Sets In

I had my first panic attack.  I saw the writing on the wall.  For 3 months I had applied for jobs and nothing.  Though I was excellent at what I did our company was overall small.  All my networking was out of the Carolinas or Canada.  I must have applied to 200 places with no interviews and this was 2017 during super low unemployment.

I went on medication.  I continued to work for the company, responsible to oversee the move.  It was the hardest I’ve ever worked in my life trying to run a company while also move it across multiple state lines.

We had over $2 million of high-end furniture inventory that had to move.  Everything had to be packed and shipped.  I worked 18-hour days thinking it might somehow save my job.  Deep down I knew I was just spinning tires


Working Remote

Finally, the day came when the local warehouse was completely empty, and the lease over.  The owner was so excited, and I was in the worst place I had ever been in.

“Luckily” because the owner had been out of the day to day for a solid 2 years, he still needed me.  He was pretty much incompetent, how he was able to start such a successful company still escapes me.  I guess hiring me helped, but he was doing $400k in sales a year before I came on, by the time it was in my hands I grew that number to over $2.5 million.

So he kept me on for a year.  I’d work from home updating the website, working with designer clients, scheduling shipping, etc.  I’d drive the 4.5 hour commute once or even twice a week to be there for the shipping pickups.

I kept a paycheck, but it was absolute torture.


Cannot Find a Job

During that year I continued to apply for jobs and for a year I found nothing.  I interviewed for a few jobs, but they never worked out.  I’d do follow up emails and calls.  Linkedin messages, the works.

Nobody wanted a Registered Nurse with zero experience or a business operations manager without a business degree… I was completely stuck.

I decided my only option was to start my own company doing exactly what I had been doing.  I started secretly building a website.  Getting all the legal paperwork ready.  Just waiting for the day I’d be inevitably fired.

And eventually that day came.  I worked with that man for 10 years and helped make him a millionaire.  He shook my hand, thanking me for everything and sent me on my way.  No severance or anything.  He even put in my unemployment information in the wrong state only making things worse.  That was the very last time I spoke to him.


Being an Entrepreneur

My little business launched and didn’t take long to make money.  I can still remember selling my first custom table for $5,000 with a $2,800 profit.

It was a dropship model, and I was listing as much product on the website as I could.  eBay was great for selling little expensive soap dishes and book holders.  It just was not enough, and I was running out of money.

I knew that before too long my savings would be gone unless the company really started to take off or I landed a job.  Part of the problem was I had built a lifestyle around making $150,000 a year at the age of 25 into my 30s.  So even though the business was doing well by most people’s standards, it wasn’t covering my expenses and bills.


Pounding the Pavement and Getting Lucky

At this point it had been 11 months since I lost my job.

I found a job listing online for a local company, small but publicly traded.  A business development position selling finance options to the healthcare industry.  I figured my education and experience might be a good fit.

I applied, put on my suit and just went to the location to bang on the door.

I entered the lobby only to find another set of doors that were locked.  There was a directory so I started flipping through to see if I could find an HR person to call, maybe they would like my initiative.

Then I hear someone behind me say my name.  It was a guy I went to high school with coming back from his lunch.  I told him why I was there, he gave me 3 people to reach out to and gave a recommendation to them.

I got an interview…



I only had maybe 3-4 interviews in my life.  I cannot even begin to tell you how nervous I was.  I’m a confident person, but I was still suffering from the depression of losing that job that I loved so much.  I had just zero self-confidence.

I ended up interviewing 5 times with a total of 12 people.

In the end I got the job, a big pay cut, but enough to cover expenses.


New Normal

I ended up closing my business.  Though I still think it had potential I simply could not keep up with both.  My anxiety was at an all time high and I was still taking medication to fight it.

My new job was infinitely less stressful than my old one.  I was lucky because my wife was given a large promotion that offset my drop in income, so we felt no pinch.

Still, I had a lot to learn.  I went from being the boss and managing 8-10 people to managing no one and having to answer to someone every day.  Luckily, I was part of a great team and managed to get a foot in the door into an industry that pays it’s higher ups extremely well.


Don’t Lose Hope

Getting through unemployment could be one of the hardest things you ever do.  I think I applied to over 500 jobs.  I had a 4-year degree in Nursing graduating at the top of my class.  I let all my experience go stale.  I watched on LinkedIn as old Nursing classmates were being excepted to Anesthesiology programs just 2 years away from job security and $200k a year.  Meanwhile I was jobless.

I lost a job that spoiled me with a great salary at a young age.  I was thrown aside and unappreciated.

I was asked to sign a lease for my company taking on all the risk with the only reward being keeping my job.

I lost 20lbs due to stress.  I could not sleep at night.  I slipped into a depression and had to go on medication.

I was unemployed for 11 months… and I still found a good job.


It All Worked Out For The Best

Eventually, I found myself in a better situation then I had ever been in.  I paid down debt more aggressively.  I built a large nest egg and invested in cash flow positive real estate.  The depression and anxiety went away, and I sleep better now than I ever did.

Never give up.  Keep on going.  Pound that pavement and hope a little luck comes your way.


You got this…




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My Blogging Journey

My Blogging Journey, Blog Journal Starting Month One

Originally, I was planning on doing a “My Blogging Journey” post at months 3, 6 and 12, but decided where is the fun in that?

Instead, I’ll be  sharing as I go along.  Let people know what I’m doing, my ideas, plans, goals, milestones and if I’m lucky maybe people will comment with some tips!

First, I should probably start by letting you know this is not my first blog, I’ve had a few others all of which have failed, or I should say, I abandoned before they could succeed.

So what’s different this time?  Quite a few things, but I’d say the most important difference is with this blog I can really just blog about my opinions.  On all the other blogs I tried to be too matter of fact, to experienced based, an expert in the field, and it just became boring.  I’d make maybe $30 in AdSense and give up after 6 months.  On this blog I can vent, shoot out my opinions, write self-helps, and that will just never get old.


August 24th, I purchase my domain.

I wanted a domain name that was catchy, not too niched, something that would allow me to blog about anything.  I am very opinionated and happen to be reading Common Sense and The Federalist Papers when I came up with the name.  While watching the news I said to my self “I’m really fed up with all of this” and so “The Fed Up With This Papers” was born.

For hosting I went with SiteGround and could not be happier.  I’ve tried Bluehost and Hostgator in the past, and though they had strengths I’m much happier with SiteGround, and find my site to be fastest through them.  They also have the most user friendly backend Dashboard panel I’ve ever come across.

Here’s my affiliate link for SiteGround, check them out! 

I’m familiar with WordPress and love SiteOrigin for free templates and site builder.  Very drag and drop user friendly.  By August 29th the overall framework of the website is complete and now it’s just time to start rolling out content and fine tuning.


September 1st, 5 post and 5 pages.

There are a lot of behind the scenes things happening that take up HOURS every day, building pages, categories, researching plugins, tweaking the website layout, etc.  I downloaded the Yoast SEO plugin and started optimizing everything.  Added Google analytics to the site.  Started applying for some basic affiliate programs and applied for Google Adsense.


September 10th, lots happening in 10 days.

While I continue to fine tune the site I’m also researching about backlinks, utilizing social media, and just different tips and tricks.

I started writing an eBook that I’ll eventually look to sell through my self-help section, about how to make money buying at auctions and selling online (what I used to blog about).

Learned about google’s “sandbox” period where I can expect pretty much zero ranking and traffic in the first 3-6 months.

Submitted my sitemap to Google and added a subscription box to the site with Convertful.

It’s also during this week that I learned about HARO (Help A Reporter Out) which is supposed to be a great way to build backlinks.  It looks a little hit or miss, but I can definitely see the potential there.


  • My Blog goals in first 3 months

I’ve structured my blog around 3 main talking points.  Posts, Short Rants, and Self-help.  Posts are content heavy, between 2,000-3,000 words.  Short Rants are usually 400-1,000 words, and Self Help are at a minimum 2,000 words.

I figure with this structure I can stick to 1 “Short Rant” a day, this is just my random opinion piece about anything happening in the world that grinds my gears.  For posts I’m trying to stick to 1 a week minimum, and Self Help I want to do one every other week at a minimum.

My thought here is somewhere in the 3-6 month period when I’m out of the sandbox I’ll have 100+ posts with plenty of content to help me ramp up traffic fast.


September 14th, Google Adsense and Analytics

It's been 2 weeks since I applied to Google Adsense and unfortunately still no update on their end.  It says "this could take up to 2 weeks" but I've seen online people waiting for over a month.  I'm not all that worried about it at this stage, but in the next 2 months if still nothing I'm going to get a little worried as I'll really be counting on that to help monetize the site.

Traffic is still pretty much non-existent at this stage, to be expected.


September 17th, Adsense approved!

I believe it took about 17 days but my Google Adsense request was approved.  I decided to go with automatic placement of ads for now.  I removed most from the main page and I don't like the ones that take over the whole screen so I removed those as well.  I still have a solid 2 months of being stuck in the sandbox for now, but it's nice to know once traffic starts up I'll have what I need to start making some money on my blog.


September 21st, HARO

Today I submitted one of my blog posts to HARO (Help A Reporter Out).  They are looking for someone who has experience in Real Estate investing, and what they would have told their younger self.  I did a blog about my experience with real estate and 15 tips to get started.  The whole process is super easy.  You join, get emails, when something lines up you email the reporter your pitch.  This is a great way to drive traffic, build back links and really just come up with fresh outside the box blogging ideas.  I don't expect anything to come out of my first submission, but you never know.  Now that I have a groove of posting about once a day I really need to build some quality back links or nobody is going to be able to read about my blogging journey.  Well, expect for you, because you're clearly reading this right now.


September 23rd, Google Search Console and First Organic Search yay!

I received the following email from Google today "Google systems confirm that on Sep 21, 2020 we started collecting Google Search impressions for your website in Search Console. This means that pages from your website are now appearing in Google search results for some queries."  I'm guessing this means my site has the potential to start showing up in search results, which I guess makes sense since according to Google Analytics, I got my first traffic from an organic search.

So 1 month in after buying my domain, with full on SEO work, submitting sitemaps to Google, writing 20 blog posts, fully optimizing all my photos and working on the site every day... I had 1 visitor!  If you're starting out you may want to start your own "my blogging journey" because the reality is, this is a lot of up front work with no instant gratification.  You have to keep at it, and I find this little ongoing blog post of mine is really helping!


October 1st, Every Day Blog Posts are Hard!

I really thought I could post a blog every day.  Turns out that is waaaay harder than I thought.  I suppose if you literally have nothing better to do with your time you can sit around writing blogs, but not this guy.  I'm still trying to post as frequently as possible especially in the first 3 months.  But I'm finding it to be much more difficult than I originally thought.  So my advice from this week is, try to post as often as you can.  If you can't do every single day, don't be hard on yourself.  I missed 2 days of writing and didn't even realize it because I was so busy with life getting in they way.

Ultimately,  I don't want this blog to become a new full time job.  I want it to get to the point where I can do maybe 2 blog posts a week to keep it active.  This is just 1 part of my "Retire early" plan.


October 12th, Vacation made me lazy

My family decided to do a last minute vacation at the Jersey Shore, enjoying the final warm days.  It's very difficult to blog in a small beach house with 10 family members making all types of noise, so I decided to just enjoy the time and ignore the blog for a few days.  Though I didn't post anything for almost 2 weeks I did realize someone.  I'm awesome at saving money.  I come from a frugal family and it's something I could easily post about in my self-help section.

Ultimately this blog is going to transition into mostly a self improvement type blog with tips on how to break away from the 9-5 norm, when you're finally "fed up with this".  I figure a frugal/diy section could fit in perfectly!

It's funny how when you take a step back you can sometimes find what you're looking for without even realizing you were looking for it.


November 17th, ....I suck at this...

I fell well short of my plan to blog every single day.  I started out strong, but I was also out of work when I started this blog.  I since started a new job, and in the age of Covid, it requires 100% of your attention.  The onboarding process has been awesome, and the training is going surprisingly well considering I haven't met a single co-worker in person, but still, it's a lot.

I'm mad at myself that I wasn't putting out at least one blog post a week.  I'm coming up on 3 months already and I'm hoping traffic will grow at some point, I really need to try to keep this blog more active.  As I settle into my new role at work (commercial finance sales) I'm hoping I can take a couple breaks during the day and pump out blogs.

I've also decided to get away from politics, especially now that the election is over.  My focus needs to be more on being "Fed up" with the day in day out grind.  I'm good at side hustles, and saving money, I'm well on my way to an early retirement without being a trust fund baby or software genius.  Time to start switching my focus to that.


December 5th,... This is way harder than I thought

Anyone starting a blog probably imagines that even with the littlest bit of work that the traffic will start rolling in.  News flash.. it doesn't.  Its been a little over 3 months and I next to zero traffic.  So, I'm changing the entire website, focusing on new key words and just moving on.

I've been keeping busy outside of the internet word, but need to stay true to the idea that I'm "fed up with this" and looking for my own personal freedom.


December 13th, I'm back baby!  

I spent a nice chunk of the day redoing the format of the blog.  Getting everything laid out how I want it and adding a couple blog posts I had written over the week.  I'm really happy with the new lay out.  I know I shouldn't be too focused on the layout this early on, but the better you feel about your blog the more time you'll put into it.  I probably ended up putting 20 hours into the blog this week without even realizing it, which feels nice.  To my surprise I had a few organic clicks come through this week and have made $0.55 so far woooo!  (sarcasm).  I have 3 more blog posts ready to go that I plan on putting out over the next couple of days.  I think my new strategy is going to be sitting down on an early weekend morning and just start typing.  I find it's much easier to sit down and write 2-3 blog posts in one shot then it is to try and consistently write them every week.  then I'll just stager the posts.


December 28th, Analytics improving and Pinterest

I'm approaching 4 full months of my blogging journey, I honestly have no idea how bloggers can put out posts "How I made $60,000 my first year of blogging".  It seems impossible.  With that said, my analytics are starting to turn around.  I'm consistently getting daily visitors now.  The first few months I'd go a week with maybe 3 visitors all directed from my Instagram posts.  Now I am getting a little organic traffic, and it seems someone visits the site every day.

Part of the reason for the improved traffic is jumping on Pinterest.  I've never really understood Pinterest, but if you look at it as a visual search engine it starts to make sense.  I still think I'm not using it 100% correctly, but my pins are getting some clicks.  I've made boards that mirror the topics of my blog and post each pin the the correct board, I think that's pretty much it.  As I fill this site up with more content I'll eventually try promoting my pins on pinterest to see what type of traffic it drives.  I don't want to promote just any post, I want something I'm really proud of, a cornerstone piece with perfectly placed affiliate links.





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Early retirement is easier than you think

Early Retirement is Easier Than You Think

I’m going to do my best to not make this another FIRE blog post.  But the reality is, in most cases, early retirement is easier than you think.  You don’t need to come up with 1 giant success to retire early, just come up with 3-4 ways that are each semi-successful that you enjoy.


Here are the avenues I’m using to retire within 10 years, in my mid-40s.

  • Long term real estate investing
  • Side hustle through auction buying and online selling with a little drop shipping mixed in
  • Blogging so I have something I can continue to grow
  • Finding a part time gig I genuinely enjoy


Just because it’s easier than you think doesn’t mean it won’t involve risk, and a little bit of work.

If you think you can just work your safe 9-5 job putting 15% of your pay away and have enough to retire early, keep dreaming.  Even if you’re 30 years old and want to retire at 50, and you’re making $100k a year.  After 20 years of putting $15,000 away, you’d still have only $900,000.  Hardly enough for an early retirement.

I currently work full time in finance sales, there are worse things you can do for a living and it pays well enough, but the thought of doing it for the next 30 years makes me want to cry… hard… like a hard ugly cry.  So it’s time to make some moves and do what all the other early retirees are doing.


Long Term Real Estate Investing

This is going to be my number 1 earner for early retirement.  I’ve only just jumped into the world of real estate but so far so good.  I was able to purchase a nice little single-family home for $100,000 with $20,000 down.  I put another $10,000 into it doing a lot of the work myself.  It costs me about $1,000 all in every month, but rents for $1,700!  Now I put money aside for things like vacancies, damages, capital expenditures, but still its cash flowing a solid $500 a month even after that.

My first rental was a real home run, I don’t expect the next ones to be like that.  I figure if I can buy 1 property a year for the next 10 years and cashflow even $350 a month from each one I’ll still have an income of $4,000 just from my rentals.

One property a year really isn’t hard, there’s risk and you have to be smart, but I promise it’s easier than you think.  The other bonus is real estate income pays almost nothing in taxes, the tenants are paying down your mortgage and the house is appreciating, so your net worth grows every month.

If you’re new to real estate investing, I suggest doing research over at that’s where I learned pretty much everything I needed to know and ran into very few surprises when I finally pulled the trigger.


Side Hustles

I have a side hustle that I LOVE, I go to auctions, win random stuff and I sell it online.  Because I love it so much, I’m not using it just to come up with a large lump some to live off in retirement, but this is something I can do during my early retirement.

If I’m able to make $1,000 a month now working maybe 10 hours a month on this side hustle, imagine what I could make without a full-time job putting in 10 hours a week.

I’ve also recently started doing a little eBay drop shipping. I just take a listing from Aliexpress, copy and paste all the info into eBay and that’s it.

When an item sells, I place the order on Aliexpress and have it shipped directly to the buyer from eBay.  I just sold a children’s desk for $195 that I get off Aliexpress for $115.  There are some fees, but I should profit about $50.  Took me maybe 5 mins and did not cost a dime up front.  This is another avenue that is also expandable, but as it stands now should be worth an extra $250-$500 a moth with very little effort.



At this phase in my blog this is the Hail Mary.  I’ve owned blogs before, had some traffic made a little money, but the same thing always happens.  I lose interest.  My last blog was all about my adventures while auctioning.  But it was too mater of fact.  I couldn’t blog about my opinions, or idea’s, it seemed it only made sense to blog about the auctions I’ve been to and the stuff I sold.  It made it too hard to keep up, and I lost interest in the blog.

This blog is only a few weeks old but I have high hopes.  I’m pretty good with SEO, I’m passionate about my blog topics, I’ve broken it down into “Self-help” like this post, “Long posts” that are involved opinion pieces with lots of SEO, and “short rants” that are just me hitting quick little hot topics for extra content.

I’m blogging 3 times a week no problem, with short and long term goals.

I don’t expect that this blog will start making $10k a month in it’s first year.  But I do have a goal of seeing $1,000 a month by year 1, and even if I only reach half of that, I’m cool with it.

Eventually, so long as I stick with it, this blog will be an outlet for my opinions that will also give me some extra spending cash.

If you’re interested in starting your own blog I HIGHLY recommend going with  I’ve used Hostgator for hosting but it was soooo slow.  SiteGround has been awesome.  CLICK HERE to get started with Siteground.

Part-time Gig I love

We’ve all sat in our car or on the train fantasizing about how we’d tell off our boss if we hit the lottery.  Or daydreamed about what our perfect job would be if money wasn’t a factor.

When I “retire” I’m not going to travel the world, if I retire at 45 and have nothing to really do I’m going to get bored real quick.  So I’m going to find something to keep me busy, something I love, that doesn’t get in the way of my other activities.

I like to fish, so maybe I’ll work at a trout hatchery part-time or a kayak shop.  Or I could work as security at a state park because I love being outside.  I once heard of a guy who goes out at night shooting muskrat with a bb gun for the township because they block up storm drains.  When money is no longer an issue you can do whatever the hell you want.

If I can get a part-time job that pays even $2,000 a month, that’s $2,000 less I don’t need to make via real estate, or pray that this blog actually takes off.  I’ll enjoy what I do, and will do it part-time so it wont get in the way of my life.


Forget the old school way of thinking

It used to just be “You need X in the bank to be able to retire with Y”, that sucks.  Really take a step back and think about it, retirement is easier than you think and doesn’t have to be a large end number.

If you make $10,000 a month, do you really need to replace $10,000?  After taxes what are you really bringing home?  $7,0000?

So how do we replace a take home of $7,000 a month.

Well for one, you’re no longer putting 15% into an IRA so now we only need to get to $5,950.  Do you have student loans or credit card bills you can pay off that are costing you $950 a month?  Now we’re down to $5,000 every month.

So you get a few rental properties cash flowing $3,000 a month maybe that takes 7 years.

You get a little side hustle and make $1,000 a month.

You start a blog and stick with it an earn $750 a month

You get a part time job you love that pays $2,000 a month.

Your taxes a very low thanks to the massive real estate write offs you get, so when the dust settles, you’re now making $6,000 a month.  You have $1,000 more in disposable income then if you just kept following the status quo.

It only took you 7 years to get there.

If you really wanted to, you can take that extra money and continue to buy rental property to increase your income even more.  Your net worth is only growing, and you’ve ensured that you’ll never run out of money.


Decide what retiring means to you

Retirement has always been considered not working any more.  To me that’s not retirement.  To me retirement is having the financial freedom to do whatever makes you happy.  Isn’t that really the point of retirement, “no longer working” so you can be happy.

Get a few side hustles, find a way to earn passive income while you sleep, then doing something part-time or even full time that you love.  Allow yourself to take that pay cut to follow your dream.  If your boss ever gives you a hard time you can tell them all the things you’ve already dreamed about saying to past bosses, then just move on to your next part time adventure.

Time to start thinking outside the box and you’ll realize Retirement is easier than you think.

A great way to get there, is by making small positive changes every day, by improving just 1%.  Read more about how you can make small changes and build great habits HERE.


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improve by 1 percent everyday

Improve by 1 Percent for Huge Changes in Your Life

The first step to solving a problem is recognizing there is one.  The next step is figuring out what the hell to do about it.  The change required to improve can seem overwhelming, but it doesn’t have to be.  Instead, try to just improve by 1 percent everyday. 

We could be talking about trying to drop a few pounds, or finally start saving for retirement.  You don’t need to make a major change that impacts 10% of your life, instead, you can make 10 small changes that each impact 1% of your life that you’ll never even really notice.

There is a fantastic book called Atomic Habits that talks about making small changes, for massive results.  It gives great examples and really lets a lightbulb go off to realize positive change does not need to be difficult.


How do small changes lead to huge results?

Everyone wishes they could be in better shape so let’s start there.  Now you could join a gym and go 4 days a week every week, but you would have to find the time and really put in the effort.  I am not saying that is in any way a bad idea, but that might take 10% effort.  So instead, let’s see if we can make 10 small 1% changes.

  1. You could park in the back of parking lots, forcing you to walk a little more.
  2. You could skip elevators and escalators if you are only going up 4 stories or less, use the stairs.
  3. Make lunch your “healthy” meal of the day.
  4. Do not eat anything after 8pm.
  5. Always leave 1 or 2 bites on your plate.
  6. Get a FitBit to help keep you motivated.
  7. Eliminate soda and sugary drinks from your diet.
  8. Get a stimulant free fat burner like Nobi Nutrition Night Time Fat Burner.
  9. Use an under desk pedal exerciser like the Vaunn Medical Folding Pedal Exerciser.
  10. Make a point to get up from your desk 2-3 times a day and just walk around your house, the office, yard for a bit.

Once you do these small changes and start seeing results you can step it up with a gym membership or a strict diet, but you could build those little habits into your day to day routine and really never notice a change.


How to save for retirement with 1%

The best part about this concept is it can be applied to just about everything in your life.  So lets try with money, which is probably the next thing people would like to see change the most in their lives.

  1. You could download the Acorns app which automatically invests your spare change when using a debit card. Click this link to sign up and get $5!
  2. Shop through Rakuten, were you get money back when you make purchases you would have made anyway, from the stores you always buy from.
  3. You could open a 0% interest credit card and do a balance transfer to eliminate any credit card debt you may have.
  4. Consolidate and refinance your student loans, SoFi is one of the more popular options.
  5. Eliminate cable and get a FireStick and Disney Plus
  6. 867-5309… did you know if you go to a store with a “buyer’s club” you can just use your local area code and 8675309 from the hit 80’s song “Jenny”.  99% of the time it’ll work.
  7. Boost your credit score with Experian BOOST.
  8. Shop for insurance, car, home, renters.  If you haven’t changed your car insurance in 5 years you’re absolutely over paying for your car which is now 5 years older and worth less money then it was 5 years ago when you opened the new insurance.
  9. Ask for a raise, here’s a helpful book that can teach you how to negotiate
  10. Download the Robinhood app so you can easily invest all the money you’ve saved, use this ROBINHOOD LINK to sign up and get a free stock!

Lets just put together a ballpark figure of what the above might save you and what it might mean for your retirement.

  1. $1 a day contributed
  2. $30 a month is cash back
  3. $40 in interest savings
  4. $50 a month in interest savings
  5. $125 a month savings
  6. $10 a month savings
  7. Depends if you’re making a large purchase where you’d need a loan so we’ll skip this
  8. $40 a month savings
  9. $150 a month increase which is basically the same as a savings
  10. $0 just a vehicle to invest

So in total, you’ve saved/made $475 a MONTH!  Now, take that $475 a month and invest it.  An aggressive investment strategy could earn you 12% a year, but just for argument sake, let’s say you average a 9% return every year on your investment of $475 a month for the next 35 years.

After 35 years, investing the $475 a month that you basically will not even notice, and earning just a 9% return, you would have a total of just over $1,450,000.  No, that is not a mistake.  $1,450,000!!!  From money that you did not even notice was leaving your bank account.

Now here is the really amazing thing, if you make wise investments and early a 12% return (which is absolutely doable, considering TSLA is up almost 1,000% in just 5 years) your total profit would be over $3 MILLION DOLLARS!!!

This is why I get so frustrated when people say they “can’t save for retirement”.. Did you even call a competitive insurance company to see if you could lower your home, car, or renter’s insurance?  Did you take out a 0% interest credit card to get rid of your high interest credit card debt?  Did you ditch cable for better alternatives???  Even if all you could save was $200 a month for 35 years at a 11% return that is still over $1 million!  Enough with the excuses.  It’s time to change your future with little microscopic 1% moves.


What’s stopping you?

Try it for yourself, figure out where you would like to improve.  Perhaps it’s in your relationship, or maybe your work performance.  Figure out where you want to be better and improve by 1 percent each and after 10 days you’ll be 10% better.

I highly recommend Atomic Habits, build better habits with small changes and be a better person effortlessly!


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