GF¢ 042: Unlocking Your Inner Greatness with Ben Newman


Ben Newman is on fire.

And I’m proud to say he’s a friend, mentor and someone that oozes positivity into my life.

Plus, he’s a die hard St. Louis Cardinals fan, so what’s not to love?   :)

Here’s just a few of Ben’s accomplishments

  • Super successful insurance agent (which he recently retired from)
  • International speaker
  • Author of 4 books (with a 5th on the way)
  • Founder of The Continued Fight and Bootcamp Workshops
  • High Performance Business Coach
  • Loyal husband and proud father
  • One cool dude

Did I mention he’s only 35?

Feel like a slacker yet?   Yeah, me too :)

Newman Headshot cropped

Fight For What You Believe

My first introduction to Ben was reading his book Fight the Good Fight, A Mother’s Legacy Live On. (In case you missed it, I included this book in one of my Top 25 Books for Entrepreneurs).
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Want to Win $2,500 of Apple Stock?

I’m an Apple fanboy.

A few years ago I got my first Macbook Pro and I haven’t looked back.

If you were to visit the Rose household, you would see that the entire family is on the Apple bandwagon with 1 iMac, 2 Macbook Pro’s, 1 iPad, 3 mini iPads, 1 Time Capsule and iPhone’s galore.

Yeah, we love Apple.

When Nvestly, a new social investment platform, asked me to participate in a $2,500 Apple share giveaway to bring awareness to their recent launch I was totally onboard.

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GF¢ 041: How to Silence Your Haters (and shake it off, shake it off)


Haters goin’ hate, hate, hate. Shake it off. Shake it off. –Taylor Swift

Haters gonna hate.

Because that’s what they do.

If you allow their words to infect you, they’ll never go away.

Their words will sting and paralyze you from achieving what you’re destined to.

Do not let that happen.

Silence the haters and just like Taylor says, “Shake it off“.

silence your haters
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How Do You Know When To Stop? Sometimes You Have to Just Shut up Listen (Giveaway Details)


Something doesn’t feel right about it.

You keep doing it although you’re not sure why.

Even worse you start to resent it.

You want to quit it, but quitting just sounds weak.

“Only losers quit” screams through your mind.

At least it was with mine.

That it is another one of my blogging projects that I’ve been running with amazing wife for the past 3 years.

That it is named Dollars and Roses.

The Honeymoon

The initial idea behind the blog was a joint blog that my wife and I would run and show people how we make money with blogging.   (If you didn’t know she was a blogger, you can check hers out here.)
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Will the Deferred Income Annuity Save Your 401k?

If you have never heard of a deferred income annuity, get ready, because you’ll probably be hearing a lot about them in the near future. And honestly, you should want to!

Deferred income annuities address a major weakness that is a part of current tax-deferred retirement plans, such as 401(k)s: what to do with your retirement plan when you actually retire.

That’s where deferred income annuities come in. They’re a valuable tool you can use that can preserve your investment capital, and make sure that you have a steady income for the rest of your life – no matter how long you live.

They can even turn your defined contribution 401(k) into something resembling the traditional defined benefit plans of yesteryear. That should interest anyone and everyone who is planning for retirement.

IMG - What is a Deferred Income Annuity
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The Simple Way to Find Out How Much Investing Risk You Can Stomach

Risk is everywhere.

All I have to do is turn on the news to be reminded of that.

I think it’s easy to go about our day-to-day lives and forget that bad things can happen – until suddenly they do.

Speeding down the highway. Smoking cigarettes (or anything else). Driving after one too many drinks. All of these are examples of risky behavior. Could you do it and be fine? Maybe. But each of these behaviors carries an element of risk of harm to yourself and others.

The sad truth is that risky behavior sometimes ends in tragedies – some worse than others.

And sometimes, we don’t even realize how much risk we’re taking until something unexpected happens that changes how we think about what we’re doing.

The truth is, whatever you do in this life carries a degree of risk.

But there’s another side to this coin.

The Simple Way to Find Out How Much Investing Risk You Can Stomach

Benjamin Franklin is credited with saying, “Nothing ventured, nothing gained!”

That’s true. I get up in the morning and work hard because I believe and hope that I can make a difference in the world. I take risks, just like you do – and that’s okay.
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Grow Your Dough Throwdown – It’s Almost Done! (October Update)

The Grow Your Dough Throwdown is almost over (sigh).

It’s been a fun challenge, and it’s been exciting to see how my different portfolios have held up.

**You can check out the original announcement post here. And here is the March update, May update, and the Midyear update.

What hasn’t been exciting is seeing the other personal finance bloggers that are kicking my butt.

Like, serious butt kicking.

Either way, it’s been fun, and I’m looking forward to announcing that the Grow Your Dough Throwdown 2.0 will be happening next year.

October Update

This one should be bigger and better, and I can’t wait to share the details. Until then, let’s take a look at how my portfolios are doing.
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GF¢ 040: Everything You Need to Know About Your Credit (that you probably don’t)


As a Certified Financial Planner, I know a lot about financial planning issues, but there’s one thing that I didn’t realize I didn’t know much about and that thing is credit.

Several years ago, I went on a bold quest to find what my true credit score was and in doing so, I quickly learned that there are many different types of credit scores.  You can see that quest here.

That’s when I realized that there were a lot of things about credit that I didn’t know.

I was determined to find out, so I did a lot of research so that I understood how credit works especially since I devoted several chapter on credit in my book, Soldier of Finance.

That experience has help me realize that I need to seek out credit experts to help me keep up with the always changing credit landscape.

One such expert is Gerri Detweiler, who is the Director of Consumer Education at Gerri has become my go-to person for anything that has to do with credit.

I was excited when Gerri agreed to come on the GFC podcast to share her expertise, and also answer questions from the GFC community.

improve credit score
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GF¢ 039: Reader Question: What is The Best Thing to Do With an Old 403(b)?


Well, whether you need PROFESSIONAL professional help is up for debate, but when it comes to your finances, don’t rely on Google.

You need someone who knows what they’re doing.

Confident happy business woman with coworkers in the background


Consider this example:

I am 45 years old with 3 young children.   My biggest concern is that in about 10-12 years, they will be going to college.  I have a good job and currently make $75,000 per year.

I don’t have college savings plans set up for them at the moment.  I’m considering opening a Roth IRA and maxing it out every year so they use it for college.

I also have an old 403b just sitting there doing nothing. I’m maxing out my 401k at my current job, which also offers an 8% match.  Would you please advise what I should do for my children and for my retirement?  Also, do you think I should convert my old 403b into a Roth IRA?

Ah yes.

These are the type of questions that a Certified Financial Planner drools over.
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The Ultimate Roth IRA Conversion Guide – Everything You Need to Know

I love the Roth IRA.  

If I could wrap them up and give them away as birthday gifts, I would probably do it.

Scratch that.  I would definitely do it!

As much as I love the Roth IRAs, you would think that I would be all about converting your traditional IRAs and old 401(k)s to them, right?

Well, kinda.

Unfortunately, doing a Roth IRA conversion is not a total black and white decision.  In fact, there are have been several instances where I suggested that clients don’t do a Roth IRA conversion.

To better understand if a Roth IRA conversion is best for you, we have to understand the rules first.  Here’s a look at at the IRA to Roth IRA conversion tax rules.

IMG - Roth IRA Conversion - The Ultimate Guide
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