I want people to remember me as a full on entertainer and a good person. – Aaliyah
In case you have not already heard the news, the late superstar Aaliyah has her very own Madame Tussauds Wax Figure in her likeness from the Try Again Era.
Madame Tussauds for VIBE
Although, Aaliyah is gone she is not forgotten.
Therefore, this next post is titled in her honor. This post is named after her first ever record, Age Ain’t Nothing but a Number which is the debut studio album by American singer Aaliyah. It was released under Jive and Blackground Records on May 24, 1994, in the United States.
I learned a lot from watching Aaliyah work so hard in her youth.
Like her, I want to be remembered as well, although as a full on financial blogger and a good person.
So let’s get right to it and start talking money.
When in doubt: save.
Don’t ever let anyone tell you what you cannot do or accomplish.
People have said to me the following:
You’ve been in school forever. Are you ever going to graduate?
Are you in school finishing your associate degree, because I know the bachelor’s takes a long time so you are probably only halfway done right?
You should write a book or something? Are you ever going to do that?
It is impossible to save any money. Is it possible to save thousands?
Winning the lottery is a great way to get rich. Do you play?
You should go for the Master’s degree. Why a second bachelor’s?
Why get a 2nd Master’s degree? Why not go for the doctorate?
You really have no car payment?
You’ve gained a little weight.
You’ve lost weight.
You have been saving forever, you are not ever going to buy a home.
I laughed at all these questions and comments.
This is my life. I set the pace. No one else. I control my destiny and the outcome of my life. I control the narrative.
And just to set the record straight, I did finish my bachelor’s and Master’s degrees. So take that haters. In addition, I also bought a home, started a daily exercise routine, a health and wellness regimen, started a blog in 2016, wrote an eBook in 2019, paid off my car in 2009, don’t play the lottery, and learned to save thousands by not shopping or taking fancy vacations.
And after I paid off my car, this is how I felt. Just like Katelyn Ohashi at the ESPYs. And like in her acceptance speech that night, I too had made a reference about Cardi B.
Paying off debt and saving. This all took many years. Like over a decade to accomplish. I know folks are out there retiring at like 27. But guess what? Life is full of ups and downs, but I never let my goals be far from my mind and kept them in sight because whether you retire at 22 or 62, fiscal age ain’t nothing but a number.
Safe to say, I set out to conquer every mountain or hill that was put in front of me. Yea baby!! I feel like dancing!!!
Life is complex. No one has all the answers. No one has a crystal ball to see the future. But reading up on the past has let me make some great predictions on what I think will happen.
Financial markets are cyclical. About every 10-20- years the market corrects itself and there is a recession. Plan accordingly.
When stocks go down, buy more.
Save until it hurts. Something like 50% or more of your income.
Things will get more expensive in the future.
You can expect inflation to average at least 2-3% a year.
Investing in real estate tends to yield good results over many years.
If you do nothing else in real estate, at least purchase your primary residence.
Buying franchises is expensive.
Find your talent and exploit it for profit. If you are a good mechanic, then charge a good and fair price for your work.
Never undervalue yourself.
I truly believe optimism is the key to happiness. I am always in a good mood. Laughter is always a part of my day and life.
My mind is always full of ideas, my eyes are clear and my heart is full.
I can’t hear you!!! Say it with me now!! Louder!!! Say it like you are in a stadium full of screaming football fans and Antonio Brown is out there running drills and scoring like he did on an episode of HardKnocks! So say it loud for me! One more time for the cheap seats in the back!!!
When people start complaining, I always feel that they should also provide solutions to their problems. I believe in being solution-based.
One of the greatest joys of my life is speaking my mind. I have done this since I was a little girl. I hold nothing in or back. I am always respectful, but I set clear boundaries on how I let people treat me. I respect others so I expect the same treatment in return. Instead of holding back, I dive in. Speaking your heart is a great way to free yourself from the constraints of life. You have to tell people what you want if you ever expect to get anything. SO SPEAK UP!!
In this life, you have to keep going. There is no time to rest on your laurels. No pity parties here. If you want financial independence, then you must fight for it. You have to work your butt off for it. Even if it takes, 10, 20, 30, or 40 years. My goal is to have at least $2 million in assets before I retire. Over 10 years later, I am still working on that goal. NEVER GIVE UP ON YOUR DREAMS AND YOUR GOALS!!! If you fall down, get up! You get up, dust yourself off and like Aaliyah said, “try again.”
Best of luck to you all in your fiscal adventures.
Let’s all welcome Michael of Financially Alert. Michael is a FIRE (financial independence retire early) blogger. He retired early after accumulating over a cool million from hard work and sacrifice while building a business. Or was it two million? Can’t remember. Doesn’t matter cause he’s here sharing part of his story with us! He graciously accepted my invitation for an interview. Well Michael you have officially been Greenback’d. 🤣
Just some quick background information.
I was introduced to Michael’s blog from a Google search I did for last years FinCon, where media meets money conference.
I was unsure if I should go or what to expect.
His website kept popping up on advice when attending a conference including FinCon. It was so thorough that I decided to do what he said and I reached out to him via email to ask if we could meet at the conference. And to my surprise he said yes!
He was pleasant, laid back, and super down to earth. He was even kind enough to send me an email and asked me to lunch! This is what it’s like meeting Michael. We ended up hanging out for a pretty good chunk of the 2nd day of the conference.
I met so many people that I couldn’t even count! So I introduced Michael to a lot of them. We could barely keep track of so many new faces.
Michael even introduced me to the founder of FinCon, PT Money.
After the conference ended, I took his advice and reached out to people to be on the blog and send invitations. And here we are today.
Let’s go!
MEET MICHAEL AND LEARN HOW TO BECOME FINANCIALLY ALERT
Starting A Financially Alert Money Blog
What prompted you to start a blog about money?
I started my blog as a way to share good money habits and knowledge with those of us who weren’t given the exposure to sound financial principles. Becoming financially alert is less about a number, and more about developing a smart and practical mindset around money. If you have the right money mindset, the mechanics are easy and your money will keep growing. I also want people to realize money is simply a tool. It can be used for good things, and likewise bad things. However, in my experience, those who feel in abundance are more likely to share with others who do not.
Why blog?
I've had people wonder what a blogger REALLY does? What is a petsonal finance blogger? Is that a real thing? Blogging about money.
Yes, sir. It is.
I and many others try to help people with financial literacy.
My blog is LEGIT!!! Put some respeck on my name!!!
“Tonight, darling, we are going to right a lot of wrongs. And we are going to wrong some rights. The first shall be last; the last shall be first; the meek shall do some earth-inheriting." – John Green, Paper Towns #papertowns
Ahh… there are so many. But, in terms of impact, Rich Dad Poor Dad really breaks things down into simple digestible concepts. I love his cash flow quadrant which speaks to the different ways people earn money.
GBM Miriam: I am providing a copy of The Rich Dada Poor Dad Quadrant for inquiring minds!
Let’s break it down.
Once you understand cash flow, you can really begin to grow your money with intention.
3. What are you reading right now? What’s on your night stand?
Dustin thoroughly guides you through the real estate investing process.
GBM Miriam: And I too love to read. I am reading several books about money right now!!!
GBM Miriam: That reminds me of the real estate website Bigger Pockets. I read their book on How to Invest in Real Estate: The Ultimate Beginner’s Guide to Getting Started. And I did a post on it.
I grew up wanting to working the movies as a special effects guy. So, when I sold my business, I took some time to myself to attend a special fx class. It was pretty fun to blow up a car – don’t try that at home kids!
In that interview, I read that you would like to travel to island with the amazing animals, it’s called Galápagos Islands. I’ve always wanted to go since I saw that video about it at the Virginia Aquarium. It looks so cool. And watching stuff blow up is right up my alley! No wonder we got along so well at FinCon18. This was a really good post. Thanks for sharing so much about yourself. I too noticed that PoF was everywhere. I had to step my game up because of him. 😉
And yes ladies and gentleman, that Tony is motivational guru and New York Times best-selling author Tony Robbins! Here is the photo Michael posted on his website. Awesome right?
See Michael’s posts on his Tony Robbins seminars a Date with Destiny and Life and Wealth Mastery
In the second post link, you will get to see Michael swinging from a trapeze in an attempt to face down his fear, which is so Tony Robbins!!!
Fun Fact: Trapeze is a piece of equipment which is used in acrobatics. It is considered to be one of the most demanding aerial arts. History. The art of trapeze performance was developed by Jules Léotard, a young French acrobat and aerialist, in Toulouse in the mid-1800s. He invented the flying trapeze, practising over his father’s swimming pool. A trapeze is a short horizontal bar hung by ropes or metal straps from a support. It can also be known as a aerial hoop, or fabric known as an aerial silk.
And Michael is still inspired by Tony Robbins all these years later. Check out one of his recent tweets 🙏😉
5. What’s in your wallet? How did you start building wealth?
$83 cash
4 credit cards
1 debit card
fishing license
insurance card
coupon for bare naked granola
drivers license
AA card
FINALRT Michael: I started building wealth the old fashioned way… saving! As soon as I got my first job, I started paying myself 20% automatically into my savings account. Over time it grew, and then evolved to other asset classes like stocks/bonds, and real estate.
GBM Miriam: That’s what I’m taking about!!! Take control over your finances. Control your finances, control your life. 👍
The lazy way to build a fortune: automate your savings and investments.
You can build great things when you work on things over time. Just like Voltron. 🤣I just love when things come together. Don’t you?
This is how I approached spending before I started learning about finances🤦♀️ 😂
I personally like focusing on starting salary. Negotiating a good starting salary can set you up to be even better down the line. Kind of reminds me of that scene in Clueless 🤔 starring Alicia Silverstone and Avengers Endgame Ant-man Paul Rudd.
Financial makeover. Who here wouldn’t do things differently if they knew then what they know now?
It’s like Cher (the real one not the one from the movie Clueless) said, “If I could turn back time.”
Speaking of Clueless…
I love makeovers!!!! So I wrote a post about having a financial facelift. 😉
Whatever you do, financially or otherwise…Own it!!!
I made it out of living paycheck-to-paycheck woohoo!!! I appreciate all the support from the personal finance blogger community. 💖Especially in doing interviews like this one. 😉 xoxo 💋 I feel the love. I felt just like Mulan. The finance community definitely made a man I mean blogger out of me. 🤣
Bonus Questions (pick any of the questions from the top or below that you want to answer)
6. Any life or money lessons from a favorite movie or TV show you would like to share?
TV loves to glamorize our consumer culture. While it’s fun to watch shows like Million Dollar Listing, the reality is that happiness is controlled by us individually and doesn’t required luxury items.
How can you use your money to make the biggest positive impact on your family and friends?
Well said Michael. 👏 And excellent question.
Embarrassment of riches book portrait of Scrooge McDuck and his nephews.
GBM Miriam: I have learned to not focus on having privilege, but on doing things that help myself, my family and my community. A lesson Cher (Alicia Silverstone) started to learn as the film Clueless progressed.
While shopping with her friend Dionne (Stacey Dash), she started feeling like there was more to life than shopping, like helping others. 😉
7. If you found a lottery ticket that ends up winning $2.5 million. What would you do?
After giving a chunk to charity, I’d buy a McDonald’s franchise! Who wouldn’t want a french fry cash machine??
16. What was your best MacGyver moment?
I recently was doing a video and couldn’t ad-lib the content to save my life. So, I started researching ways to help me create a better video. I stumbled upon teleprompters and was like, OMG that’s it!The problem though is that teleprompters start at $200 and go up from there. I didn’t feel like making that kind of investment for a single video, so I put on my MacGyver hat and built my own. I used an 8×10 frame from Walmart, a cheap 3 ring binder, some cork-board from Dollar Tree, and electric tape from Home Depot… total costs to build it – $12.84.
For those of you who are unfamiliar with MacGyver, here is some background info.
Angus “Mac” MacGyver is the title character and the protagonist in the TV series MacGyver. He is played by Richard Dean Anderson in the 1985 original series. Lucas Till portrays a younger version of MacGyver in the 2016 reboot. In both portrayals MacGyver is shown to possess a genius-level intellect; proficiency in multiple languages; superb engineering skills; excellent knowledge of applied physics; military training in bomb disposal techniques and a preference for non-lethal resolutions to conflicts. The hit television series MacGyver, which lasted from 1985 to 1992 and was highly successful throughout its seven-year run.
The character Angus MacGyver, also known as just MacGyver or Mac, was an optimistic action hero who was notable for using a Swiss Army knife instead of a firearm as his tool of choice.Young war hero Angus `Mac’ MacGyver has an extraordinary knack for unconventional problem solving and an extensive bank of scientific knowledge that he believes can best be put to use saving lives, both of which come in handy when he creates a clandestine organization within the United States government to tackle high-risk missions around the world. Working under the sponsorship of the Department of External Affairs, MacGyver quietly prevents disasters.
The character is portrayed as a non-violent problem solver and typically eschews the use of guns. Even in cases where he must resort to physical violence, or when his improvised devices are used to attack hostile opponents, he is always doing so in self-defense and, if possible, subduing or disabling rather than killing.
MacGyver is passionate about social causes, having on several occasions volunteered to help the less-privileged, showing a particular affinity for – and connection with – children. For example, he is shown to be a “big brother”, conducts hearing research at a school for deaf children, and helps out in a mountain excursion for delinquent youths.He strives to protect the environment and endangered species such as eagles, the black rhino,and wolves It was also established that he became a vegetarian at an unspecified date during the series run.
MacGyver’s persistence and the improvisational nature of his plans make him difficult to thwart, as his nemesis Murdoc pointed out, because not even MacGyver himself knows what he is going to do next. Unlike stereotypical “macho” or stoic action heroes, MacGyver exhibits grief in the face of tragedies, open fear in perilous situations, and shows pain after a fight. A sensitive character, Mac has a tendency to blame himself for personal losses and tragedies. He usually carries duct tape, chewing gum, a Timex watch, strike-anywhere matches, a flashlight, and an ID card. Yes, that’s what he uses to get out of every near death situation.
In short, he’s awesome.
17. How would you sell hot coco in Florida?
I’d add some ice and throw it in my vitamix for the perfect blended frozen hot coco!
Oh yea. As cool as ice!! 🤣
Thank you for stopping by Greenbacks Magnet!!!!
Hope you enjoyed this latest blogger interview. I try to keep it 💯here and help people improve the quality of their financial lives. Thank you for reading.
GBM Miriam: Thank you Michael for treating us all for an inside look to becoming financially alert. You’ve been a great guest!
Want more financial wake up calls from Michael. Follow him on Twitter and read his blog at Financially Alert.
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