Be Wealthy & Smart

Learn myths about wealth building from my own experience as I wrote about in the Wealth Heiress book. These are my own opinions from my experience building wealth. Get my new book "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Click here: http://amzn.to/2Hy9qk4 Join me on Instagram for daily wealth tips at http://instagram.com/lindapjones. Please subscribe, rate and review the podcast. Get the full library of podcasts at http://lindapjones.com/podcasts

Learn why you need small caps in your asset allocation. Many people only have the S & P 500 Index in their portfolio and think they are well diversified. They aren't. Here's why small caps are and why they belong in your portfolio. Performance for this year is stellar. How are international and emerging markets performing? Which ones are best and worst? Get my new book "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Click here: http://amzn.to/2Hy9qk4 Join me on Instagram for daily wealth tips at http://instagram.com/lindapjones. Please subscribe, rate and review the podcast. Get the full library of podcasts at http://lindapjones.com/podcasts

Learn about what to do and not do when it comes to wills and inheritances. Interview with Doug Goldstein on The Inheritance Book. Please subscribe, rate and review the podcast. All Be Wealthy & Smart podcasts can be found here: http://lindapjones.com/podcasts Get my new book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" here: http://amzn.to/2Hy9qk4

Learn trends about the wealthy that may impact how and where you make money. This is from an article about the Ultra High New Worth here: https://markets.businessinsider.com/news/stocks/new-report-reveals-world-s-ultra-wealthy-population-growing-at-nearly-four-times-the-rate-of-previous-year-1027510947 Learn more about my new book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" at http://lindapjones.com/book All of my podcasts are available here: http://lindapjones.com/podcasts Please subscribe and leave a review!

Learn the way to overcome any obstacles you face that are keeping you from attaining financial freedom. The Wealth Building Formula (McT) is important to know so that you will know exactly what to do to overcome challenges you face to building wealth. To listen to all of my podcasts, click here: http://lindapjones.com/podcasts. To get my new book "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" click here: http://amzn.to/2Hy9qk4 Join the fun, daily wealth tips on Instagram here: http://instagram.com/lindapjones.

Learn the consequences of Aretha Franklin (or anyone) not having a will and what it means for you if you don't have a will. Even though Aretha Franklin had reportedly about $80 million in assets, she did not have a will and died intestate. Her lawyer tried to get her to make a will, but she wasn't interested. What will happen now and why do YOU need a will? Listen to my full library of podcasts at http://lindapjones.com/podcasts. Get wealth building tips, quotes, and insights by following me on Instagram at http://instagram.com/lindapjones.

Learn what is happening in luxury real estate in major US cities. I share an article from cnbc.com and give you my thoughts about what is happening with luxury real estate and what it means for residential real estate in your city.

Learn which IRA is right for you and how you know. Article from Investor's Business Daily. Get all episodes of Be Wealthy & Smart, here. Check out my new book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" on Amazon. Sponsor: Audible – Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I "read" more books and stay ahead of the curve. Visit Audible and get your first audiobook free! Please rate, review and subscribe to the podcast.

Learn the pros and cons of paying off your mortgage, why opportunity cost matters and the one reason you might consider all the facts and choose a different course of action.

Learn how billionaire Sara Blakely learned to reframe to word "failure". Sara Blakely, founder of Spanx, is the youngest, female self-made billionaire in history. Learn why reframing the word "failure" helped her become successful. Get all the podcasts at http://lindapjones.com/podcasts Check out my new book here: https://www.lindapjones.com/how-to-get-rich-101/ Please subscribe, leave a rating and review the podcast.

Learn why saving less than you spend is not the magic bullet and what is. There is a misconception that all you have to do is save and not spend money and you will magically end up wealthy. It's simply not true. You'd have to earn millions, pay for living expenses and save millions in order for that to be true. Wealth is a result of making the right choices and decisions. In this podcast I share the story of 2 people earning $40,000 each, but one ends up a millionaire and the other ends up in poverty in 30 years. It's based on concepts from my new book "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" I show you exactly how to make wealth building as simple as possible so you can achieve financial freedom. Get the Wealth Heiress book here: http://amzn.to/2Hy9qk4 Sign up for daily wealth inspiration on Instagram here: http://instagram.com/lindapjones Please subscribe, rate and review the podcast!

Learn which cars are the most expensive and least expensive to maintain and what problems occur with greater frequency in some car models. The charts mentioned in the podcast are here. Find all Be Wealthy & Smart podcasts here. Get wealth tips here. Get my new book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Stepsto Make It a Reality Now!" Some of the highlights in the book include: The 6 Steps to Wealth A Wealth Checklist™ for easy reference of actions to take for financial freedom The Millionaire Action Plan (MAP)™ to become a millionaire The Wealth Building Formula (McT)™ Success stories of women entrepreneurs that went from $0 to wealthy How to build wealth, no matter how much or how little money you are starting with, and whatever your age is. How to overcome obstacles keeping you from achieving your financial goals This may be for you, your sister, mother, girlfriend, wife, grandmother, cousin or friend. Available at Barnes & Noble, Amazon & bookstores. Please rate, review and subscribe to the podcast on the purple app on your phone. Thank you!

Learn why actor Charlie Sheen seems to be the latest high-income earning celebrity to have financial troubles. Income is not the problem - replenishing it is. I review why that is and what he should do about it. Even if you're not making millions of dollars, the principles of investing to provide income are the same. Please rate, review and subscribe to the podcast. Get all episodes of Be Wealthy & Smart here: http://lindapjones.com/podcasts. Check out my new book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" on Amazon here: amzn.to/2Hy9qk4

Learn the latest news regarding the regulation and introduction of Bitcoin exchange traded funds (ETFs). Many people would like to see a Bitcoin ETF. The Securities and Exchange Commission (SEC) is currently reviewing it. There is a blockchain technology ETF, symbol KOIN, and an electric car technology ETF, symbol EKAR. Find all Be Wealthy & Smart podcasts at http://lindapjones.com/podcasts. Get wealth tips at http://instagram.com/lindapjones. Please rate, review and subscribe to the podcast on the purple app on your phone. Thank you!

Learn whether or not Kylie is self-made and why she has something important to teach us. Kylie Jenner was recently mentioned in Forbes magazine as potentially, the youngest self-made billionaire, surpassing Mark Zuckerberg. She turns age 21 on August 10, 2018. There's a debate as to whether she is really self-made. Let's look at the facts: She was born into a famous family Kylie grew up famous She is currently on a TV show KUWTK Someone else paid for plastic surgery to improve her looks and lip fillers to broaden her lips Her Instagram had some help getting to 100 million followers because she was born famous However, Sister Kim is more famous and is #54 on Forbes list Kylie came up with product/business idea herself Invested $250k of her own money from modeling Owns 100% of the company Her lip kit priced at $29 was affordable She spends nothing on advertising Has a limited staff and outsources product & sales Uses her influence well So maybe she's not technically self-made, but that doesn't mean she's not a fantastic, talented business woman. Kudos to Kylie! Other Be Wealthy & Smart podcasts can be found at http://lindapjones.com/podcasts Join my Instagram page at http://instagram.com/lindapjones Please Subscribe and leave a Review!

Learn how to create the lifestyle you want using passive income. Interview with entrepreneur and investor Ali Boone. She shares how to outsource to create your team, how to generate multiple streams of income and how to find a mentor. Resources mentioned include the book, "Four Hour Work Week" by Tim Ferriss, outsourcing by Upwork.com, and AliBoone.com. Checkout Be Wealthy & Smart podcast #40 where I discuss designing your lifestyle in detail at: https://www.lindapjones.com/design-a-business-for-your-lifestyle/ Please subscribe and leave a review!

Learn how to replace limiting beliefs with positive statements to help propel you out of debt. In the podcast, I explain why affirmations work (even if they haven't worked for you in the past), the trick to overcoming your subconscious arguing with you, reasons why they work, and all the details to change your beliefs and dump the debt. I also share the 3 things you must have in an affirmation to make it work. My system has 2 parts to creating affirmations. First you make a statement that you want to be true (but isn't yet), then you make an already true statement. Like this:⠀ ⠀ 1. I have all the money I need to live on and a lot left over at the end of every month. (You want this to be true).⠀ ⠀ 2. My name is _______________. (This is already true).⠀ ⠀ 3. It's easy to pay my bills and meet all my financial obligations.⠀ ⠀ 4. I live in ________________. (state or country)⠀ ⠀ 5. Money is attracted to me and keeps showing up in increasing amounts.⠀ ⠀ 6. I have ____________ (color) eyes.⠀ ⠀ 7. My credit cards are clear of any balances.⠀ ⠀ 8. My mother's name is ____________.⠀ ⠀ Write these on an index card and say them at least twice a day.⠀ ⠀ Your subconscious should be replacing it's old beliefs with healthier new beliefs. ⠀ ⠀ From there, your actions will begin to match your new beliefs.⠀ ⠀ In about 40 days, notice if you're thinking differently about money and if your financial situation with credit card debt has changed, let me know.⠀ More information about affirmations can be found on podcast number 21 by going to http://lindapjones.com/podcasts and then clicking on number 21. My book is now available on Amazon: "You're Already a Wealth Heiress, Now Think and Act Like One. Six Practical Steps to Make it a Reality Now." Get the Millionaire Action Plan (MAP) and Wealth Checklist in the book, here: http://amzn.to/2Hy9qk4 Buy it for yourself and/or the women in your life. Please subscribe to the podcast and leave a review! ⠀

Learn where to invest and find high rates. It's listener question Friday! Dear Linda, I love your podcasts! They are simply fabulous! I am wondering where can I get some financial products with a high rate of compounding? Let's say 8 to 10%. I need your great help for that, Linda. Thank you very much. Best regards, Marie I wish 8 to 10% was so easy! Be careful when reaching for yield. A friend of mine was pitched 5.5% junk bonds that weren't diversified and were 30 year bonds! He was actually considering them because a "friend" recommended them. High yields equal high risk. Bank yields are paying maybe 1% to 2%. Ten year bonds are 1.5%. How can you get 5.5? Lower the quality - but you don't want to do that. Consider alternative investments - but they can be complex. Dividends on stocks - but it entails risk to principal. There's no easy answer for a "guaranteed" rate. But here's the question: should you be investing for growth instead of income anyway? Growth does involve risk, but over the long-term risk is minimized and returns are maximized. Get started investing to grow your wealth. I read 3 Testimonials from iTunes. Have you left me one yet? Please leave a review and subscribe to the podcast! All episodes are found at http://lindapjones.com/podcasts.

Learn why spending to save money can be a trap. Shopping - have you ever still had tags on clothes you've never worn in the closet? How does that happen? Something happened that I wasn't conscious of until now. I bought 2 velour sweatsuits. Looked at other pieces but didn't like them. Next they were on sale. I picked out 5 to try on, even though I didn't like them the week before. Suddenly I was convincing myself that they were such a good deal I should just get all 5! Then I caught myself. Wait a minute. I don't even like them! The "savings" idea had taken over my logical brain! This is how we get clutter, clothes we don't wear, etc. It has to be based on price because if we liked it, we would wear them! Our closets get full of shoes and clothes that we "collect", but we can only wear one at a time. If you wore one pair of shoes or one top without repeating, how many days until it took you to wear them all? Are you not going to wear something, in order to wear this? Closets are becoming poverty traps! Money is pouring into things we don't even wear while retirement accounts go without funding. Next time you are buying multiples, ask yourself, do I really like these? Do I want to wear them tomorrow? Because if you're not excited to wear it, you don't really want it. "Saving" by spending is a fallacy. The only real saving is putting money into an account where your net worth increases. Hit the subscribe button for instant notice of new podcasts!

Learn what to do so that you can become a millionaire, whether you are a Millennial or not. Wealth building tips are not just for young people. Learn what to do to grow your money into millions, no matter what your age is. Please subscribe to the podcast and leave a review!

Learn what and where the top performing ETFs are. There are ETFs with better performance than the S & P 500 on a YTD, 3 year and 5 year basis. In this podcast, I share where the best performing ETFs are and why asset allocation is important. The performance chart is available on my website at http://lindapjones.com/podcasts, then go to podcast 437. Please subscribe and leave a review!

Learn what topics are important to high net worth clients. This is from an article in Investor's Business Daily. I encourage you, no matter how much or how little money you have, to start modeling the wealthy. As your wealth mentor, I keep you updated on the most important topics for you to know. Today, we are discovering the topics that are most important for your wealth building. Please subscribe and leave a review!

Learn how 2 investors started with $30k and now control over $55 million in real estate. Jake and Gino host the Wheelbarrow Profits podcast and are authors of the book by the same name. They talk with me about 3 reasons for success: 1. Buy right 2. Manage right 3. Finance right Learn how to make multi-family 'green', how to determine what buildings to make an offer on, how to get financing, and more. Get more information on their website at http://jakeandgino.com. Please subscribe to the podcast and leave a review!

Learn the 5 components to your FICO credit score and how to improve your score. Get my other recent podcasts about credit, podcast #432, 430, 251, 367. All podcasts are available at http://lindapjones.com/podcasts. Please subscribe and leave a review!

Learn what international stock markets are performing the best and worst. Returns are year-to-date thru July 9, 2018. The graphic is on my website at http://lindapjones.com/podcasts Please subscribe and leave a review!

Learn how to get a free credit report and why it is so important to improving your credit. I received a listener letter. In response the the episode about making one phone call to make good credit great, Brian said: Linda you are THE BEST...I have been wondering how to boost my credit score now that it's gotten a lot higher since I met you! Thanks Brian! Good credit is a matter of doing a few things right consistently. It's not hard to do if you pay attention to your credit. Thank you to people who have left reviews for the show! Please subscribe and leave me a review on iTunes or Stitcher Radio. All of my podcasts can be found at http://lindapjones.com.

Learn my responses to listener questions about the Robin Hood and Fundrise apps and investing for cash flow. All of my podcasts are available at http://lindapjones.com/podcasts. Please subscribe and leave a review for the podcast!

The Debt Diamond™ is the most valuable method to dump your debt. (Diamond like the gemstone, an upside down triangle or funnel shape). It pays your most expensive debt off first, saving you thousands in interest. It allows your credit score to be repaired and rise the fastest. Recently I saw an article that 42 million Americans believe that carrying a balance will improve their credit score. That is not correct! The article is here: https://www.knoxnews.com/story/money/personalfinance/2018/07/02/credit-rating-mistake-carry-balance-improve-fico-credit-score/745406002/ In this podcast, I share with you the 5 parts to a credit score, what each one means and how to improve your credit score. I also share why the Debt Diamond method is the best way to pay off your debt and fastest way to improve your credit score. All 430 Be Wealthy & Smart podcasts can be found at http://lindapjones.com/podcasts Please review and subscribe to the podcast.

Learn the 7 ways to keep all of the sudden wealth you encounter. Seventy (70%) of people who inherit money have $0 left within 5 years. There's one reason why that happens! Learn what to do so that your money is replenished and never runs out. See all 400 podcasts at http://lindapjones.com/podcasts. Please leave a review!

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.

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

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.

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.

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. Please subscribe and review the podcast!

Learn answers to questions from listeners. Be sure to subscribe and leave a review!

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!

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

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 Hit the subscribe button for instant notice of new podcasts!

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 Be sure to subscribe to Be Wealthy & Smart!

Learn why mail fishing crime is on the rise and how to protect your money. According to the NYPD, mail fishing is on the rise and you may not be familiar with how it is happening. This is from an article on CNBC.com: https://www.cnbc.com/2018/05/25/as-computers-get-harder-to-crack-thieves-are-pillaging-mailboxes.html Please subscribe to Be Wealthy & Smart and leave a review!

Learn 3 ways millionaires think differently and how you can apply it to create your wealthy mindset. Be sure to subscribe to the podcast!

Learn how a divorcee spent her $2.5 billion settlement and what mistakes to avoid.

Learn how to avoid common financial scams. Recently I got an email offer to buy a domaine name for $55,000. It was from a Japanese business who said they had a healthy budget to spend and what price did I want? A second email specified how the transaction would take place and mentioned a German escrow account. They mentioned a 5% commission paid for by both parties. They wanted me to pay to them (5% of $55k = $2,750). I don't think so! What a scam. I also heard a scam involving German escrow accounts was going around. I saw there were more scams happening that I wanted to warn you about. There's a common one with real estate. I have an article to share with you about it: https://www.cnbc.com/2017/10/19/scammers-are-conning-home-buyers-out-of-their-down-payment.html Hit the subscribe button for instant notice of new podcasts!

Learn the magic dollar amount of income it takes to be happy. According to a survey, find out how much money it takes to be happy. The article is here: https://www.cnbc.com/2018/05/16/money-can-actually-buy-some-happiness-but-how-much.html Please subscribe and leave a review!

Learn why wealth is within your reach, using my Wealth Building Formula, and why it is NOT about luck. This is the study I disagree with: https://www.pbs.org/newshour/economy/making-sense/analysis-if-youre-rich-youre-more-lucky-than-smart-and-theres-math-to-prove-it Please subscribe to Be Wealthy & Smart and leave a review!

Learn the most common financial regrets of Americans and how to avoid them. I also share my thoughts about the Be Wealthy & Smart podcast over the last 4 years and latest podcast reviews.

Learn how to plan your life like a billionaire. I love talking about the importance of mindset in wealth building. We haven't visited mindset for a long-time, so I thought we would today. Recently I was reading about Amazon founder, Jeff Bezos. He was a successful investment banker who quit his job. Left in the middle of the year and left his big bonus. Jeff talked to his boss about it, who said great idea, but better for someone else who does this stuff not you! Think long-term for your life decisions. He calls it "Regret Minimization Framework". Project your life forward to age 80. Look back on your life. Minimize the regrets in your life. Look back on your life. He wouldn't regret trying to participate in the internet. Wouldn't regret failure. The one thing he would regret is not having tried. That would haunt him every day. Gets you away from the daily pieces of confusion, like leaving his bonus. Think long-term to make good life decisions you won't regret later.

Learn which mutual funds are significantly outperforming the S & P 500 on a 5 year basis. The charts are posted in the Podcast section on www.lindapjones.com.

Learn how to make decisions with real estate, overcome real estate regrets and stop feeling anxious about buying or selling. There are a lot of people stressing about real estate right now. Should they buy? Should they sell? Should they invest? With real estate at all time highs in many cities, it's causing stressful decisions to be made. I'm not talking about affordability. Obviously, if you can't afford it, don't stretch yourself beyond your means. I was talking with someone who was stressing about money. In this case, not because they had too little. She couldn't decide the right time to sell her house and lock in gains. They weren't ready to sell it, but were afraid the real estate market would crash. People with a little or a lot of money get stressed. No one is immune! Everyone wants to make the right financial decisions. For some it's taking the right job, deciding to start a business, having enough money to survive or maybe how not to lose their money. There is a lot of anxiety around real estate right now. Should you buy a fixer upper or not? It's a major investment. Should you downsize and move to another home? In this case, the woman was worrying about when to sell her house and maximize her gains. Living life is more important than selling at the absolute top of the market. She was feeling torn between trying to make the right financial decision and making the right life decision. Life has to win out! You can't run your life putting money first or you will be miserable. Your happiness matters. I recently met another woman who sold her house in Canada. She sold it for $600k and it went on to be worth over $1 million. The next time I saw her she was trying to buy back into the Canadian market at a higher price. She had a lot of regret about selling her home too early and it was making her want to capture the gains of the past, but that is impossible. She was making herself sick because of the gains she missed out on making. You make the best choices you can. Fear is not a good reason to make a financial decision. At first she was afraid of loss, now she's afraid of missing out or FOMO. Either way, her fearful thinking is not serving her. Where was the right place for them to live? What city did they want to retire in? They sold and moved away for a reason, did that change due to home prices rising? What can you do to avoid real estate regret? Here are 5 tips to help you avoid financial regrets: 1. Live in the present moment. Don't stress about the future or the past. You can't change the past. In the future, your circumstances available to make decisions will change, so how can you make the decision today when you don't have all the information? Living in the present moment will help you stay out of fear. 2. Put your health and happiness first. What is going to be the best decision for your families' health and happiness? 3. Money is a tool for you to use, don't let money use you. Don't put money before health, happiness, etc. When you're in a job that makes you miserable, you won't be as successful as if you love what you do. Try to connect with your happiness and purpose. 4. Try not to stress about future decisions. Realize that when the time is right, you will make the right decision. You will have more information to make the right decision. Trust. 5. Create a plan. Life is dynamic and things change constantly. There is no way to control it. You can't freeze real estate prices until you are ready to move. Accept it. Make the best decisions you can and go with the flow. If you make a bad decision, try to move forward and plan for the long term. Short-term thinking can get you in trouble. Long-term thinking is having a plan and working your plan.

Learn how affirmations worked for a Be Wealthy & Smart podcast listener. Her affirmations helped her pay off three debts, keep off weight, get a promotion, and more! Saying affirmations, and inserting true statements in between each affirmation, is a unique way to make them more effective. Learn how affirmations helped Maria get great results and why you can too.