It's Worth Your Wage - A Guide to a Fresh Start!

       #45 - 4/20/2025 Building a Passive Income System through Flipping & Resale How a Spreadsheet, a Friendship, and Facebook Marketplace Sparked a Growing Side Hustle Ecosystem Introduction: From eBay to Ecosystem If you’ve ever Googled "how to generate passive income," flipping and reselling items almost always make the list. What many don’t realize is that building a passive income system through resale takes more than just listing items — it requires structure, strategy, and the right mindset. Back in the early 2000s, I jumped on the eBay wave using dial-up internet, selling household items to make some extra cash. Fast forward two decades, and I'm slowly building a Facebook Marketplace ecosystem with my closest friend — and this time, it's much more intentional. The Early Days: Hustling on eBay I started selling out of necessity. With a military background and a budding career, every extra dollar counted. I bought a scale, shipping materials, and bega...

#44 - 3/23/2025 The 50/30/20 Rule: A Simple and Powerful Budgeting Strategy for Financial Success Managing your finances effectively is one of the most crucial steps toward achieving financial freedom. Yet, for many people, creating a budget can feel overwhelming. That’s where the 50/30/20 rule comes in. This simple and straightforward budgeting strategy helps individuals and families allocate their income in a way that promotes financial security and growth. By breaking your income into three categories—needs, wants, and savings—the 50/30/20 rule makes it easier to manage your spending and plan for the future. If you’re looking for a practical and proven way to control your finances, this budgeting method could be the solution you need. The 50/30/20 rule was popularized by Elizabeth Warren, a Harvard Law School professor, and her daughter, Amelia Warren Tyagi, in their 2005 book All Your Worth: The Ultimate Lifetime Money Plan. The book introduced this rule as a way to help people man...

  #43 - 2/16/2025 From Fear to Freedom: How Talking to Your Fears Can Change Your Life Several years ago, I discovered that a simple but intense fear would overtake me every time I was making a left turn or driving along a two-lane highway. It wasn’t just any fear—it was the fear of encountering a Semi 18-wheeler coming from the opposite direction. It’s a fear that still lingers today, though I’ve found a way to manage it, and in doing so, I’ve transformed my relationship with fear in general. At first, it seemed completely irrational. Why should the presence of an 18-wheeler, a vehicle designed for long-haul travel, trigger a visceral reaction of anxiety in me? After all, I knew I was a capable driver, and the truck was just a vehicle like mine—only much larger. But no amount of logic could stop my body’s automatic response. The tightening chest, the rush of adrenaline, and the internal voice telling me to be careful—every time, without fail. But then I was given a tip that would ...