Financial Efficiency

Find and reduce the hidden costs that weaken your financial system. Learn how money leaks, opportunity cost, inefficient interest, taxes, budgeting decisions, and disconnected strategies affect how much of your income you keep and control.

Profit Maximization: Find and Fix Your Money Leaks

By Rachel Marshall / May 20, 2019 / Comments Off on Profit Maximization: Find and Fix Your Money Leaks

The best profit maximization strategies are the ones nobody’s talking about.  Why?  Because everyone is looking for the hardest, most challenging, and over-complicated techniques.  Maybe it’s our human tendency to believe that everything worthwhile has to be difficult. Or perhaps, we like the bragging rights we get after surviving the most grueling, tortuous feats. Like cutting…

Economic Value Added (EVA) and Infinite Banking

By Rachel Marshall / April 21, 2019 / Comments Off on Economic Value Added (EVA) and Infinite Banking

Economic Value Added (EVA) is a little-known, but impressively effective measure to boost your profitability. Coca-Cola, AT&T, Quaker Oats, CSX, and Briggs and Stratton helped the term rise to prominence when they adopted economic profit, or EVA, in the 80s and 90s.  Focus on this insightful accounting measure resulted in an overwhelming increase in business…

Don’t Step Over Dollars to Chase Pennies

By Rachel Marshall / March 11, 2019 / Comments Off on Don’t Step Over Dollars to Chase Pennies

One of the biggest mistakes people make in saving money is stepping over dollars to chase pennies.  This happens any time you put so much time and energy into cost-cutting tactics to save a few cents that you ignore the greater opportunities to make money. When people talk about stepping over dollars to pick up…

Better Than A Budget: Cash Flow Awareness

By Rachel Marshall / January 7, 2019 / Comments Off on Better Than A Budget: Cash Flow Awareness

The ultimate goal of cash flow awareness is to save more each month.  Why? Because generously paying yourself first is the foundation of wealth creation.  With more savings, you build up capital to invest in cash-flowing assets so you can create time and money freedom.   But across all income levels, most people’s savings habits are anemic, or even…

Opportunity Cost: The Invisible Cost of Financing

By Rachel Marshall / September 3, 2018 / Comments Off on Opportunity Cost: The Invisible Cost of Financing

Opportunity cost, like the submerged portion of an iceberg, is a part of your financial decisions hidden from view.  While odorless, colorless, tasteless, and silent, opportunity cost is a threat to your wealth creation. This wealth restrictor is no respecter of persons or purchase types.  Opportunity cost is the tag-along to every financial decision you’ll…

Paying Cash Destroys Compound Interest

By Rachel Marshall / August 14, 2018 / Comments Off on Paying Cash Destroys Compound Interest

Let’s talk about paying cash. Now it certainly has its pros, but it also has its cons. The reason people often pay cash is that they don’t want to pay interest. They don’t want to go into a position of what they feel is debt. They would rather pay cash to avoid an interest charge. However,…

The Right Way to Spend Money: Spender, Saver, or Steward?

By Rachel Marshall / August 13, 2018 / Comments Off on The Right Way to Spend Money: Spender, Saver, or Steward?

Alexander Pope said, “To err is human, to forgive divine.” Financially speaking, it would be more accurate to say, “to spend money is human, to create wealth divine.”  No one ever needed a lesson in how to buy things. In fact, with no restraint, we manage quite well to find plentiful ways to spend money.  How you spend…

4 Ways to Save Money on Life Insurance

By Rachel Marshall / June 12, 2018 / Comments Off on 4 Ways to Save Money on Life Insurance

Now, when you’re shopping, you want to make the best decisions, and it’s not always about the price.  If you wanted to save money on everything, you would buy only at the dollar store, right?  In this video, we discuss four ways to save money on life insurance without being cheap. We want to not…

What Is Your Financial Picture?

By Rachel Marshall / March 8, 2018 / Comments Off on What Is Your Financial Picture?

As important as savings is in our financial life, there is a lot of confusion surrounding the idea of savings.   As a result, many people think they’re saving when they are not saving at all.  When you don’t know your financial picture, you lack clarity and likely won’t have money to save. In order…

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