Hope to Prosper

Simple Practices that Lead to Wealth

You are Wealthier than you Think

Income /

January 16, 2014

The median American household will earn roughly $2.5 million during their working life. Married households will earn roughly $3.8 million. Most people make more or less. Others work longer or retire sooner. The point is, Americans earn millions during their lifetimes and never become millionaires. Don’t let that happen to you. Source: US Census Bureau …

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How to Maximize your Income

Getting Started, Income /

November 12, 2013

One of the harsh realities of the new millennium is a dearth of good-paying jobs, even for college grads. It’s obvious middle-class jobs are quickly disappearing and being replaced by low-paying retail and service jobs. Wage erosion is only going to get worse in the future. Here is how to survive and get paid a …

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How to Avoid Bad Financial Advice

Investing /

October 3, 2013

I read a really sad story this week about Kevyn Ogawa, a young grocery store clerk who won the lottery in 2009. He is now suing his financial advisors for selling him $100 million in life insurance policies, despite having no spouse, no children, no siblings and no clear need for the death benefit.

Rainy Days Come at the Worst Time

Finances /

September 2, 2013

I have always been sunny and optimistic. But, I have been to a lot of funerals lately and it’s got me feeling down.

Breaking the Cycle of Being Broke

Finances /

August 14, 2013

I got a Facebook message from a friend of mine who was feeling down. His truck was broken and he didn’t have the money to fix it. He told me that he was just tired of being broke and he couldn’t get motivated to work, even though he really needed the money.