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



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 20, 20253 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 6, 20253 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 30, 20253 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 23, 20254 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 16, 20253 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 6, 20253 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 26, 20254 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 19, 20252 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 12, 20253 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 5, 20255 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 28, 20253 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 21, 20254 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 14, 20253 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 7, 20254 min read


Debt: Auto Loans
There is no substitute for consistent, hard work. I had a business coach who taught me an incredible principle. She said, “Zach, you need...

Zach Santmier
May 24, 20253 min read


Understanding Debt: Mortgages
Homes are some of the most secure assets to purchase, though as anyone who lived through 2008 will tell you, they are not bulletproof....

Zach Santmier
May 10, 20253 min read


Understanding Debt
When you look at your gas tank and it's on empty, what feeling does that elicit? If you’re anything like me, I can’t stop thinking about...

Zach Santmier
Apr 30, 20254 min read


What Insurance Should You Buy? Part 2
Last week, we began to outline the sorts of insurance policies you need in order to complete Step 4 of our 8 steps towards financial...

Zach Santmier
Apr 5, 20253 min read


What Insurance Should You Buy? Part 1
Everyone needs four basic insurance policies: Home, Auto, Health, and Life. I am going to give you very broad and brief overviews of...

Zach Santmier
Mar 29, 20253 min read


Your Favorite Financial Topic
We are on an 8 step path as we systematically fill up our financial tanks. Just as there are 8 marks on your fuel gauge for a full tank,...

Zach Santmier
Mar 22, 20253 min read
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