About Me – Personal
I’ve always had a problem with “wealth gurus” who’ve made all their money as “wealth gurus.” This is because they were originally poor, and in the act of teaching people to become rich, they made money along the way. In other words, they were teaching others how to improve their finances without having done it themselves first. Not me. In fact this, I do this to help others and give back, and as you will see I have a very successful career completely unrelated to 101MoneyTalk. I’m also a bit of a coin collecting geek and own USACoins.com – this site does very well in it’s own right. So who am I and why should you listen to my point of view?
I was born into a military family. We had a few nice things growing up, but not much. We moved every four years because my father got transferred around the country – very common in the military. The kids spent much of our time working around the house, working odd jobs outside of the house, and we spent some time working at our schoolwork – but not like many of the other kids. My parents did not place a high value on education, probably because at the time it was not necessary for a successful military career – this I personally disagreed with and rectified the situation as soon as I realized it was important.
I moved out when I was 19 after discovering that I was particularly good at sales. I did this until I was in my early 20s when my future wife said, “honey, get a degree or I’m out of here!” I complied. It was the best thing that I ever did. I attended night school and four years later I earned a BS degree in Accounting, and then passed the CPA examination. I went on to business school and earned and an MBA. I then went on to wonderful career in NY.
I funded all of my education with loans, no one game me a dime – I was deeply in debt and worked my way out. I then started two companies that are currently growing at over 200% per year.
I’m not wired any differently than you. I have no special skills or talents – I just found focus. This is the single requirement, if you ask me, in attaining great wealth.
Our every day lives are filled with the drip, drip, drip sound of wasted money flowing through our hands. Money that we work so hard to earn is now even harder to keep. It’s not surprising, highly paid/highly trained/highly motivated professionals are coming at us from all sides. The commandos of the marketing world are attacking our wallets with the gusto of used car salesman in a room full of lay downs. We turn on the television and within 60 seconds we are bombarded with commercials that convince us that we have to have a device that, when we clap twice, turns on our bedside light. Commercials that tell us we are paying too much for our car insurance, commercials that state that if we act fast we can buy steak knives that can cut through aluminum soda cans. Thank goodness, we were wondering how to get the cola out!!!
Everyday we create more and more financial leaks, and the money just keeps flowing out of our bank accounts and into the ether – never to be seen again.
What are financial leaks? Put simply financial leaks are places where we spend money where we wouldn’t ordinarily if we had better information. Better information on price, better information on quality, better information on product uses and limitations, and better information on alternatives.
Financial leaks come in all shapes and sizes: ATM fees, buying products at the wrong time, high credit card interest rates, even excessive income tax. Financial leaks take the form of “buy me now,” or “don’t ask me to put what I’m promising in writing,” or “this gadget will change your life.”
101MoneyTalk will help you plug your financial leaks, and in the process help you live life on your terms, not on those determined by others.
Thank you for visiting our website.
Jonathan Winter, CPA, MBA
Founder of 101MoneyTalk.com
Creator of “Spend One, Save One®”