It was a dark and stormy night in the bayou. No wait…I’m just joshing you. Ha ha! This story doesn’t start off like a ghost story you tell beside the campfire or even in a bayou. I mean who do I look like, Bayou Billy?
For those who don’t know who that is, Bayou Billy is a fictional character in an NES game from 1988.
As a 90’s kid, I liked playing all types of Nintendo games. What I loved about video games is that not only are they entertaining and fun to play, but they teach you critical thinking and problem solving skills as well. Nevertheless, I digress. Now back to how I paid off this $85k of debt.
Paying down massive amounts of debt involves sacrifice, effort, planning, hard work and fortitude. It doesn’t really happen by accident or luck It is consistent effort over time to keep paying your debt obligation while at the same time not continuing to borrow more of it. This is what I had to do to make it happen.
The number one thing I had to figure out was how much I owed. Opening up bank and credit card statements showed me this. I had to get this debt off by back: a $20,000 personal loan, $30,000 car loan, various credit card, and other debt of $35,000.
Those credit card statements showing me how much to pay over three years before it is paid in full really motivated me. Therefore, I would just put my head down and work. I worked on paying off one debt at a time.
Then I would go to the next one and concentrate all my time and energy on that one until it was gone. It took more than eight years to pay off all that debt.
I had to pay $448.65 monthly on my car note, $333 monthly on my personal loan, and additional over $500 on the other debt. Paying all that money out every month motivated me to do two things: 1) Not to get any more personal loans; and 2) Not to get anymore car loans.
I paid off my car in 2009. I am happy to report that as of 2021, I have not had another car note since. I kept my old car for 17 years total and then the next car I bought, I paid cash for it.
Instead of siphoning off my money to service debt, I began to invest that money in myself. I went back to school and starting dumping my money in my retirement accounts. Got an extra $5. Put in in the Roth IRA. Got a raise or bonus. Put more money in my 401(k).
All these years later and I am still contributing to my retirement accounts.
I have read more than enough articles on the retirement crisis and the shortage in Americans retirement accounts to know I had better take this seriously. I didn’t want to wake up one day and be 50 with no money saved for my golden years.
I know that those years feel like they’re in a galaxy far, far away, but trust me, no one stays young forever.
I want you to protect your 401(k) as Luke Skywalker protected Princess Leia in Star Wars.
Debt are the storm troopers. Your ability to avoid debt is your use of your strong will over your spending. Your checkbook is your light saber.
Your control over how you wield these funds is your Jedi mind trick over all those who try to part you from your money.
I hope that this post helps awaken the sleeping giant within that lets you choose financial freedom over spending.
The world is in love with credit cards. – Warren Buffet
I’ve heard it so many times before.
Your favorite sports team is coming to town. You have wanted to go see them play live for years, but you don’t want the nosebleed seats. You want to be close to where the action is.
So close that you can almost touch your favorite player and shake their hands or pat them on the back while their names are announced as they come out of the tunnel.
This year you have decided to treat yourself and will go see your team play.
However, tickets aren’t cheap.
After reviewing information on ESPN.com, you will see that watching James Harden dunk on LeBron James comes at a hefty price.
The average ticket in the NBA now costs $51.02, according to the Team Marketing Report, which monitors the business of sports leagues. Add charges for food, drinks and parking, and that cost rises to $72.53 per person.
And if you want to sit front row, the range for a courtside seat in the NBA is generally anywhere from $300-$20,000 just from a quick price check on Ticketmaster.
Since almost everything in America costs more than the federal minimum wage of $7.25 that millions of low-wage workers are earning; Americans are turning to plastic to fund clothing, doctor fees, college, medical bills, furniture, cars, excursions, and jewelry. You name it, then folks are dropping down their American Express to make a purchase faster than The Rock can put out another film!
The problem with that is pretty obvious. You don’t have the money to go to the game so you put it on plastic instead. This can have serious consequences down the line. If you are unable to pay off the balance, now you have to pay interest on this purchase.
With the average credit card interest rate hovering around 18 percent, you could end up paying double or triple the cost of this little excursion to go see the LA Lakers play at Staples Center over the next several years!
In the book American Plastic, the author stated she saw consumers going into debt to pay for cosmetic surgery, which could cost you $7,000 for one procedure. Putting many Americans further behind in their wealth building.
The book Credit Card Nation by economist Robert D. Manning, published in 2000, provides a comprehensive overview of a social and economic crisis going on in America-escalating dependence on credit. The deregulation of financial services in 1980 paved the wave for Americans to become dependent on credit cards.
According to CNBC and USA Today, the average credit card debt in Americans held is approximately $6,200. And Alaska topped the 50 United States with the most credit card debt at $8,026. This is also the state that gives all its residents annual checks from its rich oil supply. Just something to chew on right there.
Meanwhile, the average credit card debt is now becoming a major wealth killer. Those households with it and more likely to have lower 401(k) balances, less in savings and investments, and less home equity.
Billionaire investor Warren Buffet says you should avoid using credit cards like a piggybank; it doesn’t work because a piggybank is filled with cash and credit cards are not cash. Credit cards funnel all your cash that should be used for wealth building into the banks coffers. Banks are now making a billion dollars a month thanks to easy credit access!
The credit card love affair usually ends in trail of past due bills.
Once the minimum payment (usually a paltry one percent of the balance) becomes unmanageable, you can get into serious trouble. Instead of making minimum payments are paying interest, you should be earning it instead in Mr. Market.
The one percent you are paying could be going to your retirement accounts or toward the down-payment of a home. How important is once percent really? It is enough that if you subtract that amount from the expense ratio of a mutual fund, then that one percent difference can be enough to fund 10 years of retirement. Very important in my book.
Forget credit card debt. Go max out that 401(k) at $19,500 annually and/or a Roth IRA at $6,000 per year and $7,000 if you are 50 and over.
This will of course take discipline, but so what. If you are willing to fork over $10,000 for season tickets to see the San Francisco 49’s play, why can’t you put away $100 a month for your future?
Maxing out a 401(k) over 20 years with a 9 percent return would net you 1,087,408.34. Don’t let credit card debt take this away.
I’m going to star this blog post with some words of wisdom that my dad text my sister.
The text my sister sent me went down like this: Dad said f*** poor go for the money lol 😂.
That ladies and gentleman was my father in a nutshell.
Growing up my father was always telling it like it was and giving it to people straight. He didn’t really play around with or mince words. He was just raised that way.
My father grew up in the Washington DC area. He was born and raised there. Worked there all his life and retired at the age of 55.
Many of my money habits, I got from my dad. I watched him as a kid be very careful with his money and spending. He always made sure the rent or mortgage was paid first before spending on anything else. He would pay cash for everything.
One of the reasons he was able to retire was because he had a pension.
My father would brown bag it to work for lunch and believed in cooking and eating at home. I always loved watching him make breakfast in the morning. He always seemed so content when he was making breakfast and just doing the simplest of things.
That’s when I also learned the simple things seemed to make people the happiest. Therefore, I made sure to always lead a simple life. However, I also knew that I didn’t want to be broke.
I saw the difference it made to have some money in your pocket. People treat you better, they like you more, and you get better service.
I once read a book called You’re broke because you want to be and it described some sad tales of broke people.
One of the ones that really hit home for me was when a bus driver looked at a person crazy for saying the couldn’t afford the $1 bus fare.
It reminded me of the time I accidently let slip while I was in a cab “oh crap, where’s my wallet!” When the cab driver heard that he hit the brakes so hard, I almost hit the seat in front of me.
Fortunately, I did have my wallet. So the cab driver stopped looking at me like I was crazy and gave me a ride home.
That little episode taught me to keep some money on me at all times including a credit card for emergencies. You don’t want to be stuck in the middle of no where with no cash and no credit because everywhere you go, the first sign you read on any business we accept cash or credit.
I also learned not only from my father, but from Warren Buffet to pay attention to the bottom line.
Buffet knew from a young age that he should focus and surround his life on the flow of money. Therefore, he learned about investing and building businesses. If you want to have money, you need to know how to earn it and how to make it grow. So that’s what I decided to do too.
Now one thing I will tell you is that my preferred method of building wealth is to own stocks. That’s just me. After, reading tons of books and blogs about building wealth, that was my conclusion.
At this point in my life, I want less time focused on working and more time focused on enjoying the fruits of my labor!
I have been blogging for almost 5 years and it’s still one of the most fun things I do. I just combined my passions, talking finance and writing.
I remember when no one read my blog. Now I get hundreds of readers a week from all over the world from as far away as India!
However, everyone is not a fan. I actually had a reader that made a comment that I have a limited knowledge of money. Really? After reading hundreds of books on personal finance, business, and building wealth, I think I am pretty well versed in the subject.
Considering that I have been blogging about money for over four years; I think me and the topic of money are very intimately acquainted with one another.
That being said, everyone is entitled to their opinions. Maybe because I am not constantly quoting stock market gyrations or the yield curve, that individual was not impressed.
What is the yield curve? In finance, the yield curve is a curve showing several yields to maturity or interest rates across different contract lengths for a similar debt contract. The curve shows the relation between the interest rate and the time to maturity, known as the “term”, of the debt for a given borrower in a given currency.
The federal reserve has also dropped its interest rate to 0.00%. That means borrowing will become cheaper and why mortgage interest rates are so low. You know. Stuff like that.
Well guess what? That ain’t my style. And I gotta be me. This is my blog after all.
I am her to give it to you simple in terms you can understand without all the money jargon. If you’re eyes are glazing over when you read my blog, then I ain’t doing my job right.
I want to educate, but I also like to entertain because I know if I can keep you engaged, then you will come back for more and learn something along the way.
What I will say to that person is this, there are tons of blogs out there that do talk in more technical terms and this blog has named many of them here so you are always welcome to check them out too!
The reason I like to keep it so basic is that is how I like people to break things down to me. The reason I have chosen to build my wealth with stocks is because it is the simplest path to wealth.
When I did some research, I found that investing in housing only returned ~4% over 30 years. Over that same period, stocks had returned ~10%. So would you rather earn 4% on your money or ~10%?
Also with real estate, there are lots of carrying costs such as repairs and maintenance of the property, insurance, taxes, and fees. I do not have to water the plants in front of my stocks, or do any repair work to it. There is no private mortgage insurance with stocks either as you only have to pay a small expense for owning it. Therefore, I chose stocks.
Every time you buy a stock, you become an owner in that company. You now have an ownership stake and that company wants to reward you with dividends.
When you put your money to work for you instead of you working for it, you end up making way more. There are only so many hours in the day for you to work physically, but money that is invested has no such limitations.
The money you invest does not call in sick, get tired, take breaks, or even take vacations. It is working for you every single day.
And the earlier you start investing, the more money you can make.
I started investing with $50. I continued to invest aggressively. Then one day I woke up and had $100,000 in my retirement account less than 9 years later.
Interest also compounds. Meaning your money earns money. That is how wealth is made.
I also didn’t want to own 100 stocks. Who wants to manage that? I found that I could own a piece of the entire market by investing in index funds.
You can do this by investing in any fund that says total stock market index like the VTSAX at Vanguard or a 500 index fund like the S&P 500.
You can start small like I did and work your way up. The point is just to start.
Why is investing so important? It’s simple: To beat inflation.
You do not want to keep all your money in the bank and over 30 years later find out your $1 is now only worth the equivalent of 50 cents! That is inflation my friends. It erodes the value of money over time.
You need your money to keep its purchasing power by always earning more of it.
It always puts money into perspective for me on why we need it, when I wake up seeing recent headlines that people’s electricity bills in Texas were skyrocketing to the cost of $10,000! That’s insane. Some families’ emergency fund were being wiped out overnight! That could take many folks years to save. One emergency can set you back years. That is why you plan, save, and invest.
And forget rich quick. Most people I saw try to build wealth on this path ended up broke and worse off than they started. I chose to get rich slow.
If my $100,000 earns ~10% annually, then I would become a millionaire in 30 years. If that’s too long for you, then you must invest more of what you currently make, earn more money or both. I did both! And so can you.
Regardless of your method, just get started. Do a little math. I use a retirement calculator to see how much I need to save to be a millionaire in 10 years. It would take time, perseverance, and sacrifice on my part, but it’s worth it! The money in my retirement account is a scorecard. It shows me all the progress I have made along the way.
That cab driver slamming down his brakes on me and looking to put me out on the street made me realize something. I needed money to live. I needed money for the privilege and convenience of taking a cab and not the bus. That is the reason I say forget broke. Go out there, get to work, and get this money.
Legally and safely, while being socially distanced and 6 feet apart of course.
I know there are some skeptics out there, but I am here to assure you that it can happen to anyone. How so? Let me explain.
We just got to do some math.
Historically the stock market has returned at least ~10% over the last 30 years vs. real estate that has only returned about ~4%.
If you stick with the market over the course of that time, you can make it into millionaire status.
Compound interest is our friend. If you want to get to 1,000,000, then you just have to set aside some funds every year and then let compound interest do its thing.
If you invest $5,600 a year, over 30 years, you will have over a million saved ($1,013,283.18). Not too shabby.
If 30 years is too long for you, then just play with the numbers.
Investing $9,300 over 25 years, would net you ($1,006,090.42).
Investing $16,000 over 20 years, will net you ($1,008,039.99).
So you see, it is possible.
You just have to be willing and able to put the money aside.
Even after the dot-com bust of the 2000’s, the Great Recession, wars, 9/11, the search for capturing Bin Laden and 6 presidents the market has continued to rise.
After doing some research, the best place to park this money, water it and watch it grow seems to be the Vanguard index fund VTSAX. Why you ask? Basically, this index fund is not only low in cost at ~0.04%, but it includes the entire US equity market with over 3600 stocks!
It is your one stop shop for investing.
It’s the super Walmart of stocks. And like Walmart, it is open and working for you 24/7.
Why not the Vanguard 500 index fund VFIAX? Well this fund is limited in scope as it only includes the 500 largest companies in America. The VTSAX has them all.
In addition, the best part about an index fund is that if a company starts to slide due to bad management, scandal, hostile takeover or a combination of the three, then they are cut form the index and another company that has a stellar performance and track record takes its place.
Thereby, making sure your fund never goes to $0 and you continue to make money no matter whether or not a business goes bankrupt or sells to a competitor.
Meaning you will not ever lose all of your money.
Simply put, it is like if this fund plays in the mud with the other kids, gets dirty, then it will take itself to the car wash and start fresh playing with a new group of kids.
I think the reason most folks don’t get to this level is because they are too busy focusing on today instead of on tomorrow. I remember reading a quote that still has a profound effect on me today.
It went like this: The wealthy plan for three generations. The poor plan for Saturday night.
I get chills every time I think about it.
As humans, we are hard-wired to focus on what is right in front of us. It is difficult to see and plan for something that is years or even decades away.
However, we must. Our future selves are depending on us to do so.
Those years are going to go by anyway so why get so caught up in how long it will take you to save a million. Why not just do it.
I feel too many folks get caught up thinking that they need a high income to get rich.
Hate to break it to you, but tons of high earners go broke!
Folks are so busy worrying about what doctors, lawyers, sports stars or entertainers are making, that they forget what really matters isn’t what you make, it’s what you keep.
I’ve heard of couples making $250k a year saying they broke! What gives? That is more than ~96% of Americans. An income that size puts them in the top ~4% of income. But most folks do not eve have that amount in retirement savings, let alone making it as an annual income.
According to Business Insider, The average 401(k) balance is $92,148, according to a 2019 Vanguard analysis of over 5 million 401(k) plans issued by the company. But most people don’t have that amount of retirement savings. The median 401(k) balance is $22,217, a better indicator of what the majority of Americans have saved for retirement.
So a high income don’t mean squat if you squander it.
Don’t let this be you.
Change the conversation and get your spending under control so you can put that $6,000, $9,300 or $16,000 in your retirement account every year and earn your way to a fortune.
Had to take a break to batten down the hatches and get things under control at the home front.
Like many other folks out here, I had to stop everything and readjust to life in the pandemic.
March 13, 2020 will go down as a day in infamy.
It went from getting up and going about my day to lock everything down, close up shop, HIDE the wife, HIDE the kids, and LOCK THE DOORS!
Who would have thought that this would still be wreaking havoc on so many of our daily lives almost a year later?
The year 2020 sink into the abyss.
While the fat cats on Wall Street got richer, many of the regular working stiff got the shaft. I ain’t here to put anyone down. I’m here to lift people up.
I want to get you to the places where you want to go. So I am going to show you how the rich are doing it. I know that talking about building wealth during a pandemic may seem callous, but know this, one day the pandemic will end.
And if you are tired of living hand-to-mouth and paycheck-to-paycheck, then you better listen up. I’m trying to change your money mindset to one of sheer hope and abundance dammit!
I feel like Kanye and his song Jesus Walks when he rapped the lyrics,” I ain’t here to argue about his facial features. I’m here to convert atheist’s into believers.” Many will doubt me. But some will listen. And to those that do, your life will change.
I have so many posts on ice that I didn’t even know where to start. So I figured I would just dive right in.
My 5-step plan for surviving COVID.
Number One you need shelter.
If you are beefing or in any type of conflict with your roommates or partner, now is the time to kiss and make up.
This cannot be over-stressed that you need a roof over you head. I saw a ton of chatter online about people not knowing they need to sign a form and submit it to their landlord to stop any possible eviction due to limited funds or no income.
Reach out to local housing authorities, neighbors, 7 on your side or even your Congressman if it will help you. If you can’t afford an apartment, see if you can rent a room. This is top priority. You cannot stay safe without 4 walls and a roof.
Number Two you need food.
Whether it is a local grocery store, Instacart, or a food pantry, doesn’t really matter. You must have food to live.
Stock up on fruits, veggies, milk, bread, and eggs. Anything that helps you make a quick meal. You just need to survive this.
This too shall pass.
Number three you get the household in order.
Forget putting water in the pool, watering the grass, or landscaping.
You have to conserve everything.
You never know when a freak storm or accident could make things more difficult. So limit and cut any unnecessary spending and home maintenance.
Number four you need an emergency fund.
Don’t kid yourself into thinking the government or unemployment is going to save you. It’s not.
Any place you can pull resources from do it!
Even if you do cash advances on a credit card, a cash-out home refinance, or personal loan.
You need MONEY IN THE BANK!
Money is the only legal tender with which to pay bills.
My suggestion is to have a minimum of $5k at all times just in case.
Number five keep stacking that dough.
If you are one of the lucky ones that still have a job or are working from home (about 30 million Americans lost jobs), then you have something to work with.
Keep contributing to your retirement and savings accounts. Do not stop. This fund will be what allows you to one day retire.
Don’t slack now, if you do not have to.
I’ll leave you with this tidbit.
The stock market has averaged over 11 percent from 1975 to 2015.
Over those 40 years, the stock market has minted many millionaires. You could be one of them, as long as you keep stacking and stay the course.
And if you need motivation, tweet me. I’ll be @mjp2520 on twitter.
I took a much needed hiatus for the last few weeks to come to terms with the new world order of life during the COVID-19 lockdown.
I did the usual. Stockpiled water, canned goods, cereal, and toilet paper.
Now I’m back.
If this blog could talk, I am sure it would have asked me this question.
After making sure I had food, water, and medicine to stay physically healthy, my mind started wondering about my fiscal health.
Then I thought, shouldn’t people also be making sure they are staying not only safe, but also financially solvent during the pandemic.
Much like Angela Chase (Claire Danes) was constantly obsessing about her crush Jordan Catalano (Jared Leto) in My So-Called Life (MSCL), I would find myself constantly obsessing over my finances.
For those of you who are unfamiliar with the show, My So-Called Life is an American teen drama television series from the 90’s that aired on ABC and then in reruns on MTV for years after it ended with only one season.
The plot surrounded a young 15-year-old girl that spent much of her time trying to figure out life and navigate being on the cusp on adulthood. The cast also just recently did a virtual reunion and reunited back together in 2020.
Now, back to my story.
I needed a fiscal safety net and plan in place that would allow me to weather and fiscal storm, including the coronavirus.
With over 33 million people filing for unemployment, I needed to shore up my resources.
My So-Called Finances needed my full attention. I was up for the undertaking.
START FROM THE FISCAL BEGINNING
Many of my lessons about money started when I was very young. I knew it was very important to have money so that you could take care of yourself and your family.
I got in the habit of saving when I was only three years old. That habit hasn’t changed. I have technically always been a saver.
However, along the way, I got lost. Kind of the same way that Alice did in Wonderland.
I too found myself in a maze of things I did not understand. I needed those signs like Alice got.
You know the ones. They said things like; Drink me.
By high school, I was an angst ridden teen with a penchant for spending. Then it hit me. Maybe I should start reading about this money stuff.
My 401(k) would be my new boyfriend.
As, time went on, I started obsessing about retirement. The hand-to-mouth existence dd not appeal to me.
I thought about what the heroine, Angela, in MSCL would do. She would probably start reading a book and asking a friend for advice.
I knew the same way Amy March did in Little Women that I would not be pauper.
Fun Fact: Claire Danes also starred as Beth in the 1994 adaption of the book.
Therefore, I had to change some things. They say the first step to solving a problem is admitting that you have one. It hurt to see that low bank balance, but it had to be done. To know where you are going, you have to know where you are.
The first step was to set a goal. If I had something to aim for, then I had a purpose. The goal: A one million-dollar 401(k).
LEARN HOW TO BECOME FI
The Tools to Succeed 1. Learn skills to sell for money You need the skills to become Financially Independent (FI).
I wanted to be fiscally savvy. Therefore, I had to read. Angela started off the show reading the book, The Diary of Anne Frank.
I started my FI journey reading a Kiplinger magazine. Then from there, I started watching the Suze Orman show. I knew I didn’t want to sit at a desk for 12 years only to end up sitting at a desk for another 40. I needed a plan. Being able to escape the rat race sooner rather than later appealed to me.
I started devouring personal finance books and blogs. Some of my personal favorites are The Automatic Millionaire, The Millionaire Next Door and I Will Teach You to be Rich. Then you have to decide on a path. I chose passive investing.
That turned on the light-bulb for me. Wealth building is about action.
Building wealth would take time, sacrifice, and work.
PASSIVE VS ACTIVE WEALTH STRATEGIES
Some people choose to start a business, become doctors, lawyers, actors, musicians, consultants, chefs or to make their fortune. I would get mine by investing.
I still needed a career to get paid. So, I found an employer to buy time form me and I equally willing to sell time to them. You can work in the public or private sector.
You can get further up the income ladder by gaining skills in the public sector and then selling them at a markup in the private sector to arbitrage your valuable skill assets.
I picked a job in finance. Once I got that job offer, I made the choice to start investing ASAP.
The 401(k) offers a maximum contribution of $19,000 and the IRA (Traditional or Roth) offers a max of $6,000. That is a total of $25,000 annually. I got my start with 6% and a match of 3%. Then, I slowly started working my way up by increasing my contributions by 1% a year.
2. Passive strategies There are two strategies here: A. Live below your means (LBYM); B. work smarter not harder.
Your employer wants to make more off of you than they pay you. Your work will not go unrewarded, but will be under-rewarded. Therefore, it is your job to invest in yourself by saving for your retirement.
CREATE AN INVESTMENT ATM
You must save enough to start earning large amounts of interest off your principal investment.
3. Accumulation phase Your job here is to start contributing as much as you can to your 401(k).
After, saving a 6-month emergency fund so you are no longer living paycheck-to-paycheck, start putting in every dollar you can into your accounts. Save until it hurts. Even if all you can afford is $50 a month. Save something. This will eventually become your own personal ATM.
It will be like a vending machine. You step up, put in your request, and the machine hands you what you want.
The RMD has now gone from 70.5 to 72. Therefore, you can let your money ride on the interest gravy train for an additional 1.5 years. On a million-dollar portfolio, that would mean an additional $105,000 with a 7% rate of return.
KEEPING IT PASSIVE
Building up your assets. I started with $5 and then went on to my first $100,000 and beyond. It can be done.
4. Passively build a sizable investment pool Find ways to earn income.
This can be with royalties from writing a book, collecting rent on rental properties, or renting out your parking space.
The goal is to trade time up front to build an income stream that with essentially last forever. Then you can kick back and relax.
If you have to sell 40 hours a week or the sum of 2,080 a year, you should get something out of the deal. Simple math can change your life.
I knew that one-million could spit off $50,000 of income forever with a 5% return. I just had to get there first. When I got to the point where my next money milestone was going to be $300,000, I knew I was on to something.
FREEDOM IS THE ANSWER
Why invest so much money? It’s simple. The answer is freedom.
Free from worry over how to pay bills, over how you spend your time, and quality of life.
Money equals power.
Money lets you be more confident.
Debt consumes as it only takes from you and gives you nothing.
The way to build your confidence is through positive experiences. Paying off debt then saving and investing that money will give you that. This in turn will build your self-esteem.
My favorite scene in MSCL was the one in the episode titled, “self-esteem.”
Confidence is key my friends. It attracts things to you. In Angela’s case, it was Jordan. Oops. I meant to say Jordan Catalano. For some reason on that show, he could never just be Jordan.
So, you see in the end, that you can get what you want. You just have to be patient, ask for it, and work for it. They say ask and you shall receive. Try it. I did.
