Studying this financial planning lesson is one of the most important things you can do for your financial future.

The financial planning lessons given on this site are simply my life experiences and how I did my personal financial planning and the lessons I have learned and should be taken as such. Please check with your professional adviser before making personal financial planning decisions, there’s no guaranteeing your experiences will be the same as mine.

I will address Retirement, Budget, Tax Planning, Investment and College Savings. My goal is to give you an honest simple financial planning lesson to help you budget and create a financial plan for your future.

My knowledge comes from 30 years of budgeting, tax planning and investment experience starting out poor and working my way up to a multimillionaire. I could not have accomplished what I accomplished without the financial planning lessons that I learned through experience.

I have worked in business for over 30 years and have been active in the investment arena for over 28 years. I mainly want to tell my story of how I executed my financial plan with hopes that you can gain some insight into what it takes to build a successful financial plan.

Retirement Planning is a Critical Piece of Your Financial Plan
One of the things we are all taught is to work and put away for retirement and I truly believe that is a worthy and necessary goal because none of us wants to work for the rest of our life. In the retirement lesson I talk about Annuities, 401K's, Estate Planning, Life Insurance and IRA's.

Your Budget Is Your Road Map To Your Financial Plan
Creating a budget is one of the most important things you can do to get your financial plan off to a great start. In the budget lesson I will explain Cash Flow, Financial Planning, Savings, Income and Wealth Management.

An area often overlooked in financial planning is taxes. It's very important that you plan tax strategies so that you legally avoid paying unnecessary taxes.

The Investment Lesson Will Help You Increase Passive Income and Get Out of the Workforce
In order to shift your income from just your earnings from your employer you are going to have to invest to get your money working for you. This type of earning is called passive income and the goal should be to get your passive income higher than your earned income. In the Investment Lesson I teach you about; Stocks, Trusts, Portfolio's, Credit and How to Manage Money.

Another very important consideration in financial planning is college savings. whether you are doing it for yourself or your children it is very important you start as early as possible because the earlier you start the easier it will be. In the lesson on College Savings I will teach you about Mutual Funds, Stafford Loans, Student Loan Consolidation, Bonds and Taxes.

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