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Why Risk “Tolerance” is Ridiculous

By Garrett Gunderson If you’ve ever worked with a traditional financial advisor, you’ve probably taken a risk profile to determine how much risk you can tolerate. The idea, of course, is that the higher returns you want to enjoy, the more willing you must be to take on risk. This is backwards and illogical, yet so few people are able to … [Read more...]

Reduce Expenses or Increase Production?

By Garrett Gunderson Most accumulation-based books and advisors teach you to decrease your expenses as much as possible in order to save more money for retirement. There is definitely merit to decreasing expenses, especially in a consumption-driven culture where most people are borrowing to consume. But I generally take issue with how … [Read more...]

The 5 Fundamental Principles of Prosperity

By Garrett Gunderson Principles are natural laws of the universe that never change and that hold true in every context. Principles govern the universe and determine the consequences of actions taken by human beings. They are the structure, or the framework that provides the context of existence. Living in accordance with correct principles … [Read more...]

The Money Tree

By Garrett Gunderson Two gardeners planted fruit trees in their gardens. The first gardener took care to select the best seeds. Furthermore, he carefully prepared the soil, picking the ideal location that would receive adequate water and sunlight, tilling it well and providing fertilizer. From those seeds sprung forth healthy, strong and … [Read more...]

15 Reasons Why Your 401(k) May Be Your Riskiest Investment

By Garrett Gunderson Financial institutions are genius marketers. They are able to get millions of Americans to hand over their money with very little thought taken, very little knowledge of the so-called investments offered, and even less control of their investments. When the evidence is plainly presented, it becomes overwhelmingly clear … [Read more...]

Abundance is a Choice

By Garrett Gunderson “Destiny is not a matter of chance; but a matter of choice. It is not a thing to be waited for, it is a thing to be achieved.” -William Jennings Bryan The abundance paradigm is living with a sure knowledge that there are unlimited resources — material and otherwise — that can be shared and enjoyed through love, … [Read more...]

What Are You Waiting For?

By Garrett Gunderson No nation in history has been as prosperous as America. Never before have we had so much information teaching us how to get rich. Our sophisticated network of financial institutions, tools, strategies, products, and “experts” is unrivaled. Yet underneath this powerful veneer lies truth about personal finance in America: … [Read more...]

Six Counterintuitive Ways For Entrepreneurs to Trump a Tough Economy

By Garrett Gunderson Hard economic times provide excellent strategic opportunities for entrepreneurs who are willing to buck conventional wisdom. Here are a few ways to do that. 1. Raise Salaries When so many employers are reducing their workforces and cutting salaries, step up by showing your employees how much you value Human Capital … [Read more...]

Concise Keys to Living a Prosperous Life

By Garrett Gunderson Our ideal world will never be realized as long as we are in financial bondage, both because of our personal choices and because of social myths concerning finances. The way out of financial bondage is easier and closer to home than it may seem at times. The power to kill the sacred cows of social myths is within us, … [Read more...]

6 Ways To Combat Wealth Myths

The first step to overcoming myths, obviously, is to become aware that they exist, to identify them, and to raise our conscious awareness of how to deal with any financial teaching that we encounter. The formula for overcoming money myths is offered in six steps: 1. Ask the right questions Such as: Who has a vested interest in what’s being … [Read more...]