Debt has a way of making people desperate. And desperate people make easy targets.

That's the honest truth about why the "debt relief" industry has so many bad actors in it. When you're stressed about what you owe, when the calls are coming in and the balances don't seem to move, you'll sometimes pay someone to make it stop — even if their solution creates new problems.

A genuine debt advisor doesn't work like that. Their job is to put you in a better position than you're in right now, not to collect a fee while your credit gets torched. But knowing the difference between real help and a trap? That's what I want to walk through here.

What a Debt Advisor Actually Does

At its core, a debt advisor does two things: they analyze your situation clearly, and they help you build a plan you can actually follow.

That means looking at every debt you carry — the balance, the interest rate, whether it's in collections, whether it's personal or business — and building a payoff sequence that f...

 Every major bank and credit bureau publishes basically the same list of debt payoff strategies, debt snowball, debt avalanche, debt consolidation, and they’re not bad places to start, especially if you’ve never sat down and mapped out your numbers before. But I’ve noticed something in years of doing this work, which is that none of the big institutions ever mention the strategy that’s actually helped more than 1,100 of my own clients move faster than any version of those three methods alone could get them, and that strategy is Velocity Banking.

That’s not an accident, and it’s not because Velocity Banking doesn’t work. Banks have legal and compliance reasons to stick to the safe list, since recommending that someone leverage a line of credit against their home for debt arbitrage is a liability question for a regulated institution in a way that telling someone to pay off their smallest credit card first simply isn’t. It’s not a liability question for me, because I’m not selling anyone...

Money Advisor - What's Important to Know/Consider Before Trusting Anyone With Your Finance

Here’s the deal: There are many people in finance that appear to be helping you, yet in reality, they are selling you something. A product, a plan, a subscription — whatever it is, their income depends on you buying it. That's not inherently wrong, but it does mean you need to know what you're actually getting before you hand over your trust and your money.

Finding a genuine money advisor — someone who gives you a gameplan that fits your actual life, not a cookie-cutter recommendation designed to move product — makes a real difference. I've seen it change people's financial trajectories completely. And I've also seen people get burned by advice that sounded polished but wasn't built for them.

So here's what I actually look at when evaluating whether a financial advisor is worth working with.

They Should Know Your Numbers Before They Know Their Recommendations

A good money advisor doesn't wal...

Loan Builder: The Strategy That Builds Credit While You Save

Most people think building credit means going into debt. You apply for a card, you spend, you pay it off, and hopefully your score climbs. That's one way. But there's another path that a lot of people don't know about — and it's one that grows your savings at the same time it builds your credit history.

It's called a loan builder account, sometimes called a credit-builder loan. And if you're starting from scratch or recovering from past mistakes, it might be one of the smartest first moves you can make.

What a Loan Builder Account Actually Does

Here's how it works. You apply through a credit union or community bank. They approve you for a small loan — usually somewhere between $300 and $1,500. But instead of giving you the money upfront, they hold it in a secured savings account while you make monthly payments.

Once you've made all your payments, the money is released to you. Meanwhile, every on-time payment gets reporte...

Building Business credit is no walk in the park. 🚶‍♂️

There are so many steps to building business credit properly that most people end up quitting early or worse yet, they build their credit incorrectly. What ends up happening is when they need funding they either do not get approved or they do not get what they wanted in terms of the funding amount and interest rate. I thank God every day that he places Kingdom Citizens in my life that operate effectively and are great teachers.

My friend Sebastien Boyer has been helping me establish my business credit from scratch and I wanted to provide you my results as of 2021:

 Capital One Spark Business - 2500 credit limit

 American Express Blue Business Plus Card- 17k credit limit

 American Express Amazon Business Prime Card- 8k credit limit

 BrightStar Business Elite Rewards Card- 12,500 credit limit

 Divvy Credit Card- 20k credit limit

Before you go out applying for a bunch of credit cards without a plan it is important to establish...

Do you get a hundred emails a day like I do? Does it take you 15 minutes to find an email you got a week ago? Is it overwhelming sometimes to keep up with your emails and have 50k unread emails like I do?

This was a major issue in my business due to the many thousands of people that have my email address. When I started my business I didn't realize what I was getting into until I noticed the tens of thousands of unread emails in my account I knew I had to pay attention to this because it became a money problem.

I was leaving a ton of money on the table in my emails by not responding to people that wanted to join my program and they had a simple question before signing up. I was also missing business invoices and personal bills that I was actually late sometimes due to the mass quantity of emails flooding my inbox. 😳

I am being vulnerable and honest right now as I tell you this.

Yes the Finance Geek was not paying some of his bills on time and paying people late because I was not o...

My goal is to breakdown how I evaluate network marketing companies to increase my odds of success in a business opportunity.

#1 I look at how many years they have been in business. I prefer long standing companies for me it provides a sense of security. So this is a pure opinion standpoint you do not have to follow it. I would say any company that has about 15 years or longer would qualify. Keep reading because there is more that goes into this other than time in business.

#2 I look at the opportunity and the timing based on the current environment I am in. Timing in business is critical. Think of supply and demand when investing in stocks or real estate. If you are a buyer it is nice to buy when there is low demand. If you are a seller it is nice to sell when there is high demand. In network marketing I look at the products and services that are over saturated vs products and services that are underrated in the marketplace.

#3 I look at the compensation plan and determine ...

It is very difficult to operate effectively in this world without positive consistent cashflow. I want to share with you that it truly does not matter how much money you make it matter's what you keep at the end of each month. I have a personal testimony and confession. My testimony is in the last 3 years I went from a 35k a year salary to zero and then to multiple 6 figures tapping into my purpose in the Kingdom and delivering that value in the marketplace. I am a few thousand dollars away from generating 1 million in total revenue from my business and investments.

Now with that being said I noticed I was being a little loose with my cashflow 💸 and I needed to do a review of my finances to redirect cashflow and remove the waste. In about 30 days or less I took the time to cancel subscriptions, stop paying for certain things I was no longer receiving value and cancelling different services in my business.

I encourage you at least 2-4 times a year to do a healthy review of your fina...

I would like to share with you something I have recently implemented in my personal finances. This is in regards to saving money and preserving my purchasing power as the dollar continues to decline in value. I am starting to shift some of my money away from paper currencies to virtual cryptocurrencies.

I will have a livestream coming out soon to discuss this topic in detail. I believe this will be very valuable for those who are positioned properly.

So let's get started! 👏

First, download crypto.com on your mobile device in the app store. It is free to join and you can use my REFERRAL CODE HERE: 6r5kxcunfk and you will receive $25 to start in your account.

You can easily use my referral link below to sign up for Crypto.com and we both get $25 USD! 💵

Next, you will go through a verification process to set up your account. Once that is complete you will then connect your bank account to send money to the platform.

Upon initially enrolling, yo...

Hello and God Bless!

Hope all is well with you and yours!

For those who are interested in becoming life insurance agents or those who are existing life insurance agents looking to add IBC to your arsenal. I want to share with you my 3+ year journey now working with IBC Global. To date I have generated over 250k+ in net income. I have learned how to create my own private banking system in my personal household economy to a point where I feel comfortable and confident sharing with others. As you continue to do your research I want to share with you the different options you have the moment you decide to become a life insurance agent and sell high cash value life insurance policies to your client. 

My partner and friend, Steve Parisi, recently released a program, the ILS Training Acadamy. This was created to help agents learn, master, and provide High Cash Value Life Insurance products to their clients.

I have now been an insurance agent for over 3 years and I can honestly...