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



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


We Need a “New Zero”
We are on step three of eight as we begin to fill up our financial tank! Once you have worked through all eight steps, you will have a...

Zach Santmier
Mar 15, 20253 min read


A Heart of Giving
We are moving! We completed the first out of 8 steps toward having a full financial tank last week, a balanced budget, and now we are...

Zach Santmier
Mar 8, 20253 min read


Finalizing a Balanced Budget
Welcome back! This week, we are finalizing the first out of eight steps that we will be making towards laying a solid financial...

Zach Santmier
Mar 1, 20253 min read


Kicking it Old School
Today, we are diving into the third tool you can use to stop cash from bleeding out of your bank account and begin having a balanced...

Zach Santmier
Feb 22, 20252 min read


You Need a Buddy!
As you looked at your budget in RocketMoney, what are your problem categories for over spending? Amazon one click purchases? TJ Max...

Zach Santmier
Feb 15, 20252 min read


Fixing an “Unbalanced” Budget
We are still in Step 1 of 8, A Balanced Budget, and we will be here for a couple more weeks because it is the hardest and the most time...

Zach Santmier
Feb 8, 20252 min read
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