Archives for October 2016

Have A Financial Adviser? Why You Need A Career Strategist Too

October 27, 2016 by Mike McRitchie Leave a Comment

Career Strategist

My friend Greg, a financial adviser, asked this thought-provoking question.

It’s said often, ‘common sense is not common anymore’. Although this may be true, I was pondering that one of the MAJOR reasons people are having so many problems is they lack self discipline. Someone may have the common sense to realize an action is wrong, but not the self discipline to say ‘NO’ to it.

Your thoughts……………………………

Having learned much on the subject of finance, weight loss, psychology, marketing, etc., often it is the little things that make all the difference.

Here’s my long-winded response.

I’d say the biggest reason is rationalization.

For example, trying to lose weight and you are tired and stressed and have a snack at the end of the day. Is that bad? A one-off wouldn’t harm you. But what happens next does.

Instead of saying to yourself, it was just a moment of weakness. It happened, move on and get back to doing the right things with your diet and exercise. You say, ‘Well screw it.’ and dump your diet and eat the whole bag of chips and stop watching calories and exercising thinking, ‘What’s the point. I’ll never lose weight anyway.’

The same thing happens with spending. You buy the suit. And the upsell shirt and tie become, ‘Why not?’ And since you’ve blown your budget, the next impulse buy is that much easier. You have a credit card. You don’t need cash now to buy it. Don’t you deserve it?

Little things matter. And not allowing small missteps kill your plan.

I heard a good point about why you should use a financial adviser. One of the biggest objections to using a financial adviser is that technically you could get the same ETF-equivalent fund without paying a commission to a financial adviser (or a fixed monthly or annual planning fee).

But the big advantage [of having an adviser] is when the market tanks, they talk you off the ledge – so you don’t turn your solid 8-12% annual return over time into 0% by yanking your money out at the wrong time when you’re freaking out. Your adviser could be worth 10-12% or more.

Greg’s response confirms this with his anecdotal evidence.

Well said Mikey, I’ve often told clients, one of the biggest things I bring to the table is I am non-emotional about their money. EVERYONE I’ve ever met that let’s their emotions run their portfolio massively under perform my clients, and often it’s because they have a “gut” feeling.

So this brings up an interesting point.

An Adviser Keeps You On Track

So you have a financial adviser who helps you with your retirement portfolio, maybe your insurance, etc.

You may have an accountant who does your personal and/or business taxes to make sure you stay out of jail and aren’t buried each year with all the paperwork.

But what about you career? Why do you leave your career to the whims of your employer and chance?

Even if you’re a typical employee making $50,000 a year, your career (or earning capacity) is your #1 money-making enterprise (I know the real estate industry and regulators tell you your house is – but what pays for your house?).

Take your $50,000/year X 30 years = $1.5 million lifetime income

And that’s a typical career that isn’t being managed well. With effective management, energy and focus, you could easily double that.

But lets be even more conservative with the numbers. With even a minimal amount of career management (through a career coach or strategist – yes, I’m one who could help you) you could easily add another $5,000/year to that number without any problem. That translates to:

$5,000/year X 30 years = $150,000

So why haven’t you done it yet? I know, we weren’t taught in school to think of our careers that way. And there aren’t career coaches in every strip mall across America (but maybe there should be).

You just do the basics. Go to school, get a good job, work hard, and hope.

But hope isn’t a plan. Hope is a wish.

And as we see with today’s economy, wishes often don’t come true. They turn into financial nightmares as the unprepared are laid off, buried under student loan debt, and lose everything through unemployment or underemployment.

And then that $150,000 potential gain by getting help managing their career turns into the opposite.

A year’s unemployment or equivalent underemployment = $50,000 in the red. That plus the $150,000 lost upside = $200,000 net opportunity lost by burying your head in the sand.

Executives manage their careers. They have career coaches and mentors who they, or their businesses, pay tens of thousands of dollars to in order to improve their earning power and the results of the businesses they lead.

But fat-cat-executives shouldn’t be the only ones benefiting from a career coach or strategist. Why not you? You may not be able to pay a couple grand a month for a coach. But what if you could get equivalent guidance at a fraction of the cost.

As we saw, you could easily get a $5,000 per year bump – that is over $400 per month for someone in the $50,000/year job category. What would that $400 per month pay increase be worth to you? That $150,000?

So why do you need a Career Coach or Career Strategist?

Much of the benefit of a career coach, like an insurance agent or accountant, occurs when major (or even minor) life changes happen. You must consistently practice the basics (like recording your accomplishments and setting goals).

Having someone guide you with that and hold you accountable for your goals and commitments helps you follow through when times get difficult. That is especially true when life starts to spin out of control and your self discipline starts to wane. And then there’s those things throughout the year or over your career that force you to actually make tough career decisions whether you’re prepared or not.

These include:

Annual reviews – Pre-review prep.
Quarterly check ins with your boss – These are what often feed an annual review.
Monthly accomplishment accountability – What did you do last month? And is it keeping you on track for your annual goals?
Asking for a raise
Asking for a promotion
Looking for a new job
Preparing a resume
Interviewing for a job
Negotiating salary and benefits
Evaluating side hustles – Will it help or harm your career? And is the right for you?
Contractor vs Employee options – Which is better for you at this time and why?
Multiple job offers – How to decide between offers.
Life changes – marriage, divorce, having kids, retirement – How do these life changes and choices affect your career options?

So don’t leave your career to chance. If you don’t get a guide, a coach, a strategist to support you on your journey, who will you rely on?

Your family? Boss? Friends? Your career is the farthest from their minds. Do it alone? You’ll get distracted. You won’t follow through.

And a year from now you’ll be coming up on your next annual review and wonder where the time went. And you’ll end up with the same minimal increase or no salary increase (remember people, we’re in a tough economy, no room for raises this year).

Don’t let this be you.

So you’ve decided to take control of your career. Now what?

Email me and I’ll tailor my career coaching services to fit your individual situation. How we work together will be based on.

Stage of your Career – a fresh high school or college graduate has different needs that a mid- or late-career client.
Financial Situation – if you’re buried in student debt and credit card debt with minimal spendable income you’ll not be able to afford my personalized services – but you could get start with one of my self-guided templates. It isn’t perfect – but starting is better than not.
Job Status – if you’re unemployed or changing jobs you’ll need a different focus than someone in a stable career at their current company.
Motivation – are you willing to put in maximum effort to drive your career forward? Or do you want more of a work-life balance?

So lets get started driving your future forward. Get in touch with me today.

At-Risk For A #CareerFatality?

October 20, 2016 by Mike McRitchie Leave a Comment

Photo credit: Tony Webster via Foter.com / CC BY

Teen driving. As American as apple pie and football. It used to be one of the most anticipated rites of passage.

At 15 1/2 in many states you’d get your learner’s permit then at 16 you could get your drivers license with no restrictions.

At that time roads were less congested, there were fewer regulations associated with driving. Drunk driving was not yet in the public consciousness.

But as the data came in, it became clear that teen driving was high risk. And fatalities and near crashes were clearly linked to teen’s inexperience. See the link between teen driving and fatal crashes.

What does this have to do with your career?

Stay with me, I’ll get there soon enough.

And so Graduated Driving Licenses (restricting when and how you can drive) were instituted. And with that fatal crashes among teens dropped significantly.

When states had comprehensive GDL programs, those with at least five of the most important elements in effect, there was a 20 percent reduction in fatal crashes involving 16-year-old drivers. – John Hopkins study

Mentorship works

That is awesome. By having good mentorship (adult supervision) as teens transition into unrestricted driving and as they learn with fewer distractions (other kids in the car with them) and risks (night driving), they get the experience to be effective independent drivers with significantly reduced risk of injury.

But a new trend has begun. Teens delaying getting their drivers licenses until they turn 18 or even later.

fewer than half (44 percent) of teens get their license within 12 months of the minimum age for licensing in their state – AAA Foundation for Traffic Safety

Why are they delaying?

Among the reasons given for the delay were that gas and other driving costs were too expensive (36 percent each); they could get around without driving (39 percent); and they did not have a car (44 percent).

Regardless of the reason it is cause for concern.

These findings raise concerns that young drivers will become licensed without the benefit of the training and point to the need to modify the laws to include 18-year olds.

So what is my point in telling you about teen driving statistics and this trend toward delaying licensing? You may have a teen driver (or one who will soon be crossing that threshold). But you may not be in that situation.

But the lesson still applies to you. How?

Lets talk about you and your career.

Stop reading now if you just want to punch the clock and leave every day not worried or even thinking about work outside of work.

Stop reading now if your goal is limited to just earning money in the same job year after year, getting pay increases as they give them to you…or not. And not actively managing your career.

Still reading? You’re not satisfied with just getting by.

‘I’m Outta Here!’ Why 2 Million Americans Quit Every Month

even in a climate of business uncertainty and an unemployment rate of 7.8 percent, more than 2 million Americans are voluntarily leaving their jobs every month. The U.S. Department of Labor Bureau of Labor Statistics calls the category “Quits.”

A study by Harris Interactive indicates a full 74 percent of people would today consider finding a new job.

Wow! So the next 3 out of 4 people you talk to at work would bail for the right opportunity. Crazy.

3 in 4 people would bail for the right job opportunity. No mentor = #CAREERFATILITY Click To Tweet

A recent study by Accenture reports:

1) They don’t like their boss (31%),

2) A lack of empowerment (31%),

3) Internal politics (35%) and

4) Lack of recognition (43%).

Do any of these strike a chord? Are you just putting up with things?

Business Insider survey of 225 executives reports 22 percent want to launch their own companies. Why are they willing to make the sacrifice and take the risk? They want to run an enterprise their way. Deep in their hearts, they feel and know they will enjoy more satisfaction and fulfillment by establishing a healthier business culture.

Melissa Llarena of Career Outcomes Matter reports even higher numbers, particularly for Generation X employees. She cites the biggest reason for “quits” is that employees no longer trust corporations. To wit, nearly 40 percent of men and 25 percent of women want to become their own boss, she says (54% of Millenials, 46% of GenY, 35% of Gen X-ers and 21% of Baby Boomers, by age).

Is that you? Are you one of the new Millennial Side-Hustle Generation? Or just want to run things your way? Be your own boss and run your own company?

So you’re not one of the get-along-er’s. You want to get good raises. You crave challenge and are willing to do what is required to get promoted. Current job or company not doing it for you? You will make that job or career change to align with your career trajectory and lifestyle. What does it take?

ACTIVE MANAGEMENT

When you left high school or college. Were you trained on this? Did they show you what steps to take to get ahead? How to progress in your career?

As you were prepared to enter the workforce it probably looked something like this:

A single meeting with a high school guidance counselor and maybe an assessment test to tell you what career you might be good at.
Maybe ROP (Regional Occupational Program) training to ease you into the workforce.
Or a career day and some resume help from your college as you near graduation.
Parents help giving you suggestions (like “You need to get a job, son.”)
A Temp Agency application package.

But does that really help?

It’s like taking on the challenge of building your own house and someone giving you a blueprint and saying, “Go do it.”

Yes, you could probably get a house built. But it would require figuring a lot of the pieces of the puzzle that are not included in the blueprint (like how do you put the pieces together – like frame the house).

I see this all the time. People come to a point in their career where they need to head in a new direction. They were laid off. Or they are realizing they’re stuck in an unsatisfying job or career. Or they just aren’t able to pay the bills on the low salary they’re getting. Or the commute is killing them and they have no life outside of work.

Regardless of the reasons, they find they’re on a road without a roadmap. They’re lost and don’t know how to proceed.

Their friends, family and coworkers are pretty much useless. They’re often in the same position. You can’t ask them for advice and get much that would be useful. Just the typical platitudes of “Do what you love.” or “Work isn’t supposed to be fun.”

Really?

Don’t be that person

But there is an out. There are options for you. But you won’t find them by following the herd. You won’t find they by managing (or not really managing) your career by default.

You need is a mentor. A guide. A coach. Someone who’s seen things from your perspective and from the other side of the table – as a hiring manager, executive and company leader, career and small business strategist.

You also need to find out what you bring to the table. Often the skills and interests you take for granted and never acknowledge, you neglect to leverage for your benefit. And that leads to decades of under-performance and being paid less than you’re worth.

And you find yourself scraping by month to month. Buried in student loan debt. Or hoping the job or company you work for today will be around next year or in three to five years.

Or you’re nearing retirement and not sure how to make the numbers work.

So what should you do next?

I can help. Let’s start with the basics. One Thing. Something that you can do today. Regardless of where you are in your career.

Doing this ONE THING is critical to set you up for a SUCCESSFUL ANNUAL REVIEW conversation (if you want to get paid more or promoted).

Doing this ONE THING will ensure you’re doing the things you need to do daily, weekly, and monthly to support your case to get that RAISE, PROMOTION, or be able to jump to a higher paying, more satisfying job elsewhere.

Doing this ONE THING on a regular basis could rocket your pay, status, and CAREER TRAJECTORY more than anything else you do to work on your career.

Go get this ONE THING here.

Then do the quick 30 minute exercise (yes, you can miss one sitcom this week). And start implementing it.

Are you in a situation where you need more focused help? Maybe you need to make a change now. And time is of the essence.

Well then contact me for help now.

Whether it is an annual review assessment (giving you a perspective your friends, family and coworkers and boss won’t). Or it could be a resume review or rewrite (you’re considering a change or have seen rounds of layoffs and your job could be next and you want to be prepared). Or you have already lost your job and need an effective resume now (and you weren’t a trained resume writer – so you just don’t know what to do).

Don’t leave big money on the table

Don’t go it alone. Why risk missing out on a 3-6% pay increase, promotion or job change opportunity.

5% of a $50,000 job is $2,500 per year X 30 years in a career = $75,000 you’d be leaving on the table.
5% of a $100,000 job is $150k you’re missing out

Help doesn’t have to cost you the average $12,000 of executive coaching

Now typically executive coaching services run $200 to $500/ hour and are typically 2-6 hours a month for an average six months.

That translates into a typical $400/hr X 5 hrs per month X 6 months = $12,000.

Often times a company will pay this executive coaching fee to grow their C-Level executives.

But why should they get all the support to grow their careers and expertise?

What about you? How can you get help? And what if you don’t have a six or seven-figure salary to make a $12,000 fee a drop-in-the-bucket?

I can help you here too. For my coaching services you won’t pay $12,000 or $2,000 per month.

Get help today at a fraction of that

You too can get one on one coaching for an hour call a month plus unlimited guidance by email. Not for $2,000 per month, or even half that.

For $497 per month you can get that help today.

Still too steep?

Rather than monthly calls, we can do one intro call then email follow up from there. This will then bring the cost down to $247 per month.

Don’t suffer in silence. Get help today.

Still not sure? Then get the ONE THING today to get started – no cost, no risk. Just check it out. You’ll be glad you did.

5-Part Millionaire Mindset Success Formula – Part 1

October 13, 2016 by Mike McRitchie Leave a Comment

Shark Tank. The Apprentice. Chopped.

American Ninja Warrior. Amazing Race. The Voice.

What do all these shows have in common?

Ordinary people like you and me making their dreams a reality. They don’t all win on the show. But all of them gain from the experience.

That is the Millionaire Mindset.

So I thought I’d walk you through some of these lessons I’ve learned through my 50+ years of this adventure-we-call-life, that illustrate the Millionaire Mindset. One that you can live in your life – whether your goal is to earn a million dollars a year (or a billion), or it is just to enjoy living life to the fullest (another version of success).

So lets jump right in.

Passion Plus Persistence Turns Daydreams into Dollars

It was 1996. I had just been let go from my first wireless telecom site acquisition job following completion of the Sprint’s first cellular network project in Northern California. The project was over and my services were no longer needed.

I liked the work. Met interesting people. Drove all over the East and North Bay. I was making decent money for a twenty-something – about $40k a year (I know that seems like almost nothing now).

This was my first time ever being laid off (and wouldn’t be my last). Not a fun time.

I did some interim work helping out a friend I worked with previously. Did some budgeting for the outpatient surgery center he managed.

Opportunity Knocks

I stayed in touch with a couple people I’d worked with and for on the Sprint project. Then in one of those conversations (checking in and asking if they had any work I could do) my friend says, “We need site acqs in Cincinnati, Ohio. Are you interested? The pay is really good.”

After checking with my wife and finding out more details (they paid a bit more than my last wireless job AND paid a per diem of several thousand dollars a month on top of that – which would double my take home pay) I decided to go for it.

I called him back and said, “Yes, I’m interested. What’s next?”

He told me to come out there and they’d hire me. Sounded cool. And I’d never been farther east than Utah. Would be an adventure of a lifetime.

So my wife and I packed our stuff into storage. Put what we needed into the Chevy Blazer (including our cat and bird). And prepared to drive across country.

And then it happened.

I made a final call to let my friend know I was heading out and would be there in about nine days.

He says, “Well, that opportunity is no longer available. We’re not in Cincinnati anymore. We’re now in Cleveland and I don’t have anything for your right now. I’m sorry.”

It was like a punch in the stomach. Took the air right out of me.

What now? I’d put all my eggs in that basket. Told friends and family about it. How could I face them now and tell them the deal was off? I wasn’t about to lose face over this. I WOULD make it work. I don’t know how but it has to.

So, not to be deterred, I told him, “Then we’re going to go on a nine-day vacation. When I get out there I’ll call you. And if there is something when we get out there, we’ll take it.”

Maybe a little rash taking that kind of risk. But my wife had faith in me and it was an experience I couldn’t pass up. And we’d already packed (and I hate undoing things or giving up once I’ve made up my mind).

The Adventure Begins

So we drove from Pleasanton, California out Interstate 80. Through the Sierras, across the Nevada desert, into Utah, Wyoming and on. Into the mid-West through the wheat and corn fields (and thunderstorms and tornado warnings).

I kind of felt like I was one of the early settlers of the West, heading out in a wagon train, pursuing my fortune in the gold fields of the foothills of Sacramento.

And on I went. Up to Niagara Falls. Because, why not see it if we’re that close, right? Then back into Pennsylvania where I made my next call.

“So what’s the latest?”

He says, “Well, if you can get here tomorrow, we need a site acq and you can interview with my boss then.”

I told him, “I’ll be there.”

So that night we drove to Cleveland. Interviewed the next morning. And started that day.

Success!

So what made it work?

I had the passion. I loved the site acq work I had done for Sprint and wanted to do more of it. I saw an awesome opportunity to learn, be paid well, and see the country. Something I felt if I didn’t do then, I would regret my decision and always wonder, “What if?”

I persisted. There were plenty of times I could have given up and just packed it in. But I didn’t.

I could have just written the opportunity off by not even considering moving out of state. My family was all in Northern California as was my wife’s. We knew no one out there besides my work friend.
I could have cancelled the trip when they told me the job in Cincinnati wasn’t available.
I could have turned around when I hit the crazy thunderstorms and tornadoes.
I could have just taken the trip and not followed up on the job or not driven out there to apply.

If you want to achieve something great, passion and persistence are critical. Without both you won’t follow through. And without follow through, nothing great is ever accomplished.

What are you passionate enough about to take those kinds of risks? Are you willing to keep going in spite of the huge odds against you?

Passion + Persistence = Achievement

Which brings us to the next step.

To be continued…

P. S. Want to be notified when Part 2 comes out (and get a free report that will put these ideas on rocket fuel)? Go here to get it now. Plus you’ll get my weekly newsletter with cool links to I search out each week to help you, whether with your career, your business, or to get more out of life’s adventure.

Side Hustle? Promotion? Why Not Both?

October 6, 2016 by Mike McRitchie Leave a Comment

Side Hustle Promotion

The old model is dead.

They just haven’t acknowledged it yet.

The tenure-based, “I’ve put in my time.” model doesn’t work anymore. Business is fast-paced and ever-changing. Businesses are irrelevant, out of business, or sold every day.

Only 50% of businesses with employees survive at least 5 years. (Source: Bureau of Labor Statistics, Business Employment Dynamics.) Click To Tweet

Do you want to pursue the work and pray model? One where you put in the work and hope you get an annual 3% increase? And pray that the company you work for doesn’t downsize, sell, or become obsolete between now and retirement?

Or are you the ambitious 20% who is willing to take your career and life in your own hands and tackle things head on?

Yes, there is a place for those who just want to put in the work 9 to 5 and then go home and enjoy their life. That is appropriate for 80% of the people who don’t view their career as something that needs to be actively managed. And when they find themselves in the unemployment line at 40 – where the world has passed them by, and they’re having to retrain for a new career they never prepared for.

They’ll be one of the people, like those today, who are unemployed or underemployed with no options other than incurring debt to go back to school or start over again at the bottom in a new industry. And while that is happening they’re running up their credit card debt with a lifestyle that they can no longer support.

So you say, “I’m not that person. I’m willing to put in the work to get ahead, make my own future happen, and not be left behind.”

Are you really?

How serious are you?

You really need to ask and answer that question. Because to get ahead in your career or to start a side hustle/freelance business, or to start a new business idea, it takes commitment. Commitment to get up at 5am to be the first in the office or get an hour or two in on your side hustle before your day job starts. Commitment to work late to make that work project happen, or work on your business when you’re tired at the end of the day and just want to kick back on the couch with a beer or some wine and binge-watch your favorite TV series.

So lets look at how to break out and get ahead in the 9 to 5 work world.

The 7 Things You Should Start Doing Today to Earn a Promotion

40 percent of millennials expect a promotion every one to two years. Click To Tweet

In the dark ages (1950’s and ’60’s) where the old work model was the standard, if you put in your time from 9 to 5, you would automatically progress through the organization and move up to the level that your ability to do the work, networking/ladder climbing expertise within the organization, and time would allow. Then you would retire and die.

Pretty simple, right?

But now with a more mobile workforce who recognizes that employers are not loyal to you, a different approach is in order.

So lets walk through the “7 Things.”

Passion

If you like what you do, you will want to do more of it. If you do more of it, you are more inclined to get better at it, and if you’re better at it, you’re more inclined to get promoted.

No way are you going to put in the hard hours necessary if you don’t like what you do each day and like the people you work with.

So if your job does not have that you either need to search within the organization for a new project opportunity or department that intrigues you, or start a side hustle that can help you bring in new skills that will make your day job more interesting or set you up for a future opportunity that you can be passionate about.

Partner with your boss

Having a positive relationship with your boss will ensure you at least have the opportunity to get ahead. If you don’t have that you’re just kidding yourself if you think you’re going to be promoted. Your boss is often the lens through which those higher up in the organization view you. A positive liking by your boss will ensure you are at least considered for promotion or interesting project work. A dislike is a career killer.

If you don’t have that relationship, build it quickly or move on to a place you can build that.

Go the extra mile

As they say, there is never a traffic jam on the extra mile. Here’s some things you can do to set yourself apart from the pack of those who say they want a promotion but aren’t willing to put in the heavy lifting.

Come in early or stay late (or both) – particularly in your 20’s when you don’t have family commitments yet, time is your rocket fuel to compress time and launch your career.
Volunteer for a new project – being proactive is a necessary ingredient to being management material so develop it early.
Help a coworker without being asked – they’ll remember that later
Hang out with coworkers after work – develop the common bond you have through work and get to know more about them and their interests
Attend industry events – you’ll be that informed go to person when you network outside your company
Continue your education – read, listen to podcasts, take courses to learn a skill at the local night school or community college, or get that next degree. Do what you’re passionate about learning or what is a requirement for the next rung on the corporate ladder so you’re not left behind.

Be part of the team

Cheer your team members on – be that positive influence.
Mentor and be mentored – by teaching others you’ll become better yourself and latching onto someone who is moving up through the organization may put you in a position to be pulled along up with them. Or finding someone high enough in the company who can help you avoid the pitfalls along the way will be invaluable.

Track your progress

Not an item that was mentioned in the article but something I’ve found often neglected but then becomes critical at annual review, promotion, or finding a new job time. And that is keeping a good record of your accomplishments. Do that well and you’ll be able to easily ask the question, “Why should we consider you for this position?” You’ll have meaningful examples of how you contributed to propelling your current company forward in your current role and how that could translate into even more contribution in a higher role or with a new company. Need examples and a formula to do that? Find that “One Thing” here.

So that is how you grow inside the company and make those promotions happen. But there is another interesting statistic that caught my eye that indicates a new growth area you could take that could further your career even more, or add that spark that your day job is missing, or lead to you starting a business of your own.

Is freelancing for you?

1 in 3 workers earn their income through freelancing. Click To Tweet

This is an amazing statistic since the public school system has long driven home that you must do good in school, go to college, and get a good job, and then when you’re done the government will take care of you.

But will it?

As Millennials focus more on causes they believe in and lifestyle, the put-your-head-down-and-go mentality has ended. And they are looking to contribute and earn in new ways.

One of those ways is through freelancing or having “side hustles”.

Whether that is driving with Uber. Or tutoring high school students nights and weekends. Or starting an internet-based business. Or working a second job at a bar or local retailer in the evenings or around Christmas time to earn a little extra money. They’re not above hard work. They just want to do it on their terms.

Is this you? Are you willing to commit to putting your social life on the back burner for a while to build that nest egg to buy your first house? Or to pay off the student loan debt anchor sooner so you can enjoy life? Or to learn marketable skills to get ahead in your job? Or to start that business that will create the ultimate lifestyle so you don’t have to just get by?

If that is you but you don’t know where to start. Or if you have started but are struggling with how to balance things or need guidance on what is most important to focus on. Contact me and we can get you started down that path that is right for you.

Still trying to figure things out? Here’s some other posts you may enjoy…

Do Millennials Know the Secret?

I’m Not Qualified!

Are They Conspiring Against You? 10 Career-Killing Landmines They’ll Never Tell You

10 Blunders Newbie Entrepreneurs Must Avoid