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Escape paycheck to paycheck living so you can freely pursue your ideal future — learn how below.



Trick Yourself
Happy Thanksgiving week to you and your family! This is the time of year when we notice how full our homes feel, how full our tables feel… so it’s a great week to take a look at how full our financial tanks feel as well! If your financial fuel tank is a little emptier than you’d like it this time of year, take heart. We have been working on the 8 marks that, when achieved in succession, create a full financial tank. Over the past couple of weeks, we’ve already covered Step 1:

Zach Santmier
6 days ago3 min read


Giving Sets the Tone
Today, we are going to discuss the second financial health marker on your fuel gauge. If you’re just joining us, here’s a quick recap. Money is fuel. Fuel to get you where you want, or even feel called to go. Therefore, we need a full tank so we can live confidently toward the life we desire. The first mark on your fuel gauge is simple. Spend less than you make. This second step is challenging, and for many, counterintuitive. Give 10% of your income away. What?! If the ob

Zach Santmier
Nov 223 min read


Stop the Leak!
Money isn’t the destination—it’s the fuel that powers your journey. We all have places we want to go in life, but getting there requires a full tank. And if you’ve ever looked at your “financial gas gauge” and seen it hovering near empty, you know how stressful that can be. For years, I lived paycheck to paycheck, constantly running on fumes. I was always trying to move forward, but my lack of financial structure kept me stranded. That’s when I decided to follow a simple syst

Zach Santmier
Nov 152 min read


Don’t Rely on “Experts”
When it comes to your personal finances, you should never solely rely on so-called “experts.” In life, we wear a lot of hats, don’t we? Between kids (or grandkids) activities, church obligations, work and taking care of ourselves, there are a lot of things we are responsible for managing! Often when it comes to our personal finances, we just want a “guy” for that. Whether it is for our retirement accounts, insurance, or savings, people often rely on “experts” to manage and

Zach Santmier
Oct 172 min read


A Gift For You
When I was a young teen, I went to Disney World for the first time with my entire extended family! My older cousin and I were just at the age where we could run off on our own and choose which rides we wanted to ride. We had a little card that we could swipe at certain rides that allowed us to get one fast pass. This pass allowed us to jump to the front of the line and practically walk right on the rollercoaster. We only had so many fast passes we could get for the entire da

Zach Santmier
Oct 113 min read


Commitment
Do you want to be financially successful? Then you need to understand one word above all else: COMMITMENT . We live in a day and age where commitment means very little. Last week, we discussed the importance of living in agreements verses expectations. However, an agreement is only as good as the level of commitment behind it. I can agree to showing up for my daughter’s ballet recital, but if I’m not committed to being there, an issue at the office could cause me to miss he

Zach Santmier
Oct 43 min read


Agreements VS Expectations
At my insurance agency, we have a policy we adhere to strictly. We refuse for our clients to have EXPECTATIONS of the level of service...

Zach Santmier
Sep 203 min read


Seasons
In our household, November and December are our two most expensive months where money just seems to disappear! We have three birthdays in...

Zach Santmier
Sep 63 min read


Time to Write Your Eulogy
I had been pushing hard for a week and could see the light at the end of the tunnel as I neared the end of this personal development...

Zach Santmier
Aug 303 min read


An Irrelevant $1,000,000 Inheritance
My Great Grandpa Groff was a tomato farmer. He had a modest plot of land in Lancaster, Pennsylvania that he worked with his1124 hands...

Zach Santmier
Aug 234 min read


What’s Next For You?
My in-laws live on a dead-end country road. There’s not a lot of construction usually, but recently, a small lot was just split off and a...

Zach Santmier
Aug 153 min read


Why Should I Be Generous?
This past weekend, we saw thousands of people descend on the Hastings Amphitheatre to attend Trumble’s Annual Back to School Bash. As I...

Zach Santmier
Aug 63 min read


Housing at 25%
This course is called INCREASE! The presupposition is that instead of playing defense with our personal finances, we need to play...

Zach Santmier
Jul 264 min read


Fuel Gauge Recap
Today I’m going to recap the system I have been teaching before getting to step 8 next week. When followed, this system will alleviate...

Zach Santmier
Jul 192 min read


New Zero in Savings
Just like having a buffer in our checking account for small emergencies that may pop up, we now need to create a larger buffer that will...

Zach Santmier
Jul 123 min read


Invest 15% for Long-term Success
Last week, I started talking about investing! Here is the main goal: If you put 15% of your income away for 25 years, at a conservative...

Zach Santmier
Jul 55 min read


It’s Time to Begin Investing!
After you have paid off your consumer debt, meaning all debt outside of your mortgage, cars, and student loans, it’s time to begin...

Zach Santmier
Jun 283 min read


Inspirational Giving
This week’s conversation is going to be a little different because I want to spark something inside of you that was sparked inside of me...

Zach Santmier
Jun 214 min read


Debt: Credit Cards
If you are just joining the column, welcome! Over the past several months, I have introduced a financial system that I have followed,...

Zach Santmier
Jun 143 min read


Student Loans
When college students dig the hole of student loans, where is the dirt? Is the degree they are getting a solid asset that could easily...

Zach Santmier
Jun 74 min read
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