Define a Pioneer Pioneer definitions can vary. Wikipedia says pioneers commonly refers to people who are among the first at something that is new to a community. A pioneer is someone who sees potential. Pioneers are individuals who are characterized by a combination of imagination, courage, and a forward-thinking mindset. Of course, a pioneer is
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Do You Own Stocks? Per a Gallop poll in April 2025, 62% of Americans own stock individually or in mutual funds in retirement accounts. Fortunately, that is 1% higher than a poll done in 2023. The highest percentage of stock investors was in the households with incomes of $100,000 plus, which is not surprising. So,
Know Your Income Whether you are just starting out or a highly paid executive, it is important to know your limitations. Your short-term limitation is your income. How you use your current income will determine your long-term limitations. That concept is an essential part of building a better mindset for money. Another aspect of planning
Work on Your Success In recent years, parents who had little before making a decent living spoiled their children, making few demands for household chores. Modern conveniences, including dish washers, packaged food, and no gardens, eliminated a lot of work in the kitchen and the yard. The result has been a reduction in those who
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Been There Being in debt beyond your ability to make payments is a horrible feeling! I know. I have experienced that. Unless you call to negotiate a way to reduce payments and get back on track, you will start to hear from bill collectors. Some are pleasant but most are trying to intimidate. I was
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No Room to Save I know too many people that struggle with making a living, let alone building a savings account. They claim there is no room to save in their budget, if they have one. Is that your situation as well? I want you to stop and consider why that is and how you
Motivators Help I was considered an introvert while growing up. I tended to stay to myself and had trouble mixing with others. I never got invited to parties, although that was way before social media. But I did play sports and learned a lot about team spirit and mutual support and motivation to win. When
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Learn to Listen To increase your income options, you need to learn to listen. Then, learn to talk. Start here. Do you listen to instructions? Instructions are steps to succeed at something. When you buy a bookshelf in a box, it comes with instructions. If you follow those instructions, you will succeed at building the
Turn Losses into Gains This is the last post of my series on Money Math. As my goal is to help you build a better mindset for money, I will make some reflections on my own mistakes and lessons learned along my financial path. And, despite losses along the way, I have learned to turn
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Cover Your Exposure My goal in writing this series of posts on Money Math is to give you some tools to make better decisions with how you will spend your hard-earned money. As mentioned in Part 3, some debt can be useful, but you will make more money available for future use if you focus
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