Celebrating 17 Years of Marriage


Today, my bride and I are celebrating 17 years of marriage.

Count them.  1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17 years.

What an amazing journey it has been:

  1. Having three children – a daughter, then a son, then another beautiful daughter
  2. Four great years at Purdue University. Then Clemson University for graduate school.
  3. Helping start NewSpring Church in Anderson, SC and watching it grow from 15 people to more than 32,000 people per weekend
  4. Renting a house and two apartments, then purchasing four different homes
  5. Working for a couple of huge publicly-traded companies, becoming a pastor at NewSpring, then launching I Was Broke. Now I’m Not. full-time
  6. Purchasing INJOY Stewardship Solutions
  7. Being broke and in debt up to our eyeballs all of the way to living a fully funded life
  8. Navigating tough circumstances together – knowing we have each other’s back all of the way through it
  9. Traveling all over God’s green earth to visit family and make memories

There are so many more great moments, and it is awesome to know we get to start our 18th year at the beach.

I love you, Jennifer Sangl!

Celebrating 5 Years of I Was Broke. Now I’m Not!


Have you ever had a “WOW” moment? Last Sunday, I experienced just such an occasion when this crazy dream to help people win with their money officially turned 5 years old! That’s right, it was five years ago when I left my full-time job and gave I Was Broke. Now I’m Not. my total attention. Statistics routinely show that 9 out of 10 new organizations fail within the first 5 years. I’m so thankful and grateful that we are one of the “1 out of 10″ who succeeded!

And you have been a part of this success story! Whether you have attended a live event, downloaded one of our free tools, or purchased a resource, you have been a part of reaching more than ONE MILLION people with practical and relevant personal finance tools.

It’s time to celebrate!

To celebrate this milestone and your part in it, I want to do something very special. My finance guy is out of the office this week, and he may not be happy when he hears about this, but for the next 5 days, I’m making my two top-selling books available at a price we’ve never offered before. Just $5 each.

If you’ve ever wanted a copy of I Was Broke. Now I’m Not. and What Everyone Should Know About Money Before They Enter The Real World NOW is the time to grab your copies!

Purchase Joe’s 2 top-selling books for $5 each HERE!

It has been a distinct honor to be a part of your financial journey, and I can’t wait to share what’s coming in the next year. It’s game-changing!

Time To Prepare Your Monthly Budget

As the month draws to a close, it is time to once again prepare your monthly budget! I’m passionate about preparing a budget every single month because it is a huge reason that my family is no longer broke. I want to help you get your budget working well for you and your family so you too can live a fully funded life.

5 Budgeting Tips To Remember

  1. Prepare the budget BEFORE the month begins. It is nearly impossible to budget “in reverse” after money has already been spent. Planning your money before you’ve received it will allow you to maximize every single dollar.
  2. Be realistic. Don’t lie to yourself. Many people reduce or eliminate spending categories that they know they won’t be able to follow. For example, don’t eliminate all of your “dining out” money when you have three children involved in three different traveling sports teams.
  3. If married, work together. It’s extremely difficult to make a budget work when both spouses aren’t on the same page.
  4. Use cash envelopes for “impulsive” spending categories. For my family, these categories include: Groceries, Restaurants, Clothing, Spending Money, and Entertainment. Cash prevents overspending the budgeted amounts.
  5. Save for Known, Upcoming Non-Monthly Expenses. If you choose not to save for Christmas, vacations, special days (like birthdays and anniversaries), property taxes, car repairs, and insurance deductibles, you are ignoring reality. Which means you should refer to #2.

BONUS TIP: Use our FREE budgeting tools located HERE.

What other budgeting tips have helped you make your budget work well?

How To Destroy Your Finances – Part Five

Welcome to the latest series at the wildly popular JosephSangl.com – “How To Destroy Your Finances”

In this series, I will be sharing methods proven to cause financial pain and agony. Use these methods if you want to live with piles of stress and harm your relationships.

Part Five   Let Your Feelings Drive All Of Your Financial Decisions

When all else fails to destroy your finances, employ this method. After all, your feelings are always correct, right? I mean, there was that time you felt that one person was really awesome and wanted to date them and they turned out to be a terrible monster, but that was just a one time error. Your feelings should absolutely come first when it comes to finances. Employ Nike’s slogan: Just Do It. When you were thinking about saving some money, go ahead with your feeling to go shopping. When you wanted to go to Human Resources to set up your retirement plan contributions, go ahead with your feeling to go out with your friends.

Go ahead and date the person who has piles of debt and two bankruptcies. I’m sure they were telling the truth when they say it was all someone else’s fault. Even though your friends are telling you how awesome a budget is working for them, let your feelings of inadequacies force you to remain quiet instead of asking them to help you with your own budget.

When the salesperson says you look good in it – buy it. When you don’t want to eat the groceries in the fridge, just go out to eat every meal.

Your feelings rule.

Of course, if you don’t want to destroy your finances, you would prepare a budget (get free budget tools here) and automate the important things so you won’t have to rely on “feeling like it” for the things you know are important – like college savings, emergency savings, investments for retirement, and exciting things like Christmas and property taxes.

Memorial Day – A Time For Remembrance

Today is Memorial Day. A day set aside to remember and reflect upon the tremendous sacrifice made by men and women who have given their lives that others might be free. They gave their lives. Their families reeled with the ongoing impact.

The son who never met his father.

The mother who was denied the opportunity to hug her daughter ever again.

The fiancé who wasn’t able to celebrate her wedding day.

My young great-aunt who lost her husband of only a year or so in WW II and went on to have no children.

Does America have problems? Absolutely.
Will we always have problems? Absolutely.
Do I love my country. Absolutely.
Do I love, honor, and respect those who have sacrificed and are sacrificing to protect it? Absolutely.

On this Memorial Day, take a moment to thank a soldier, sailor, airman, and marine. They have chosen voluntarily to stand ready.

I’m grateful.

How To Destroy Your Finances – Part Four

Welcome to the latest series at the wildly popular JosephSangl.com – “How To Destroy Your Finances”

In this series, I will be sharing methods proven to cause financial pain and agony. Use these methods if you want to live with piles of stress and harm your relationships.

Part Four   Never Save Money.

This is a GREAT way to destroy your finances. Choose to ignore the fact that life happens, and it will cost money. Ignore the fact that your car tires and brakes are wearing out. Spend all of your money as soon as possible. Buy a Chia Pet. Refuse to acknowledge that appliances will break, the roof will leak, and that you will have a doctor bill one day. Live in a fairy land where the school never sends home fundraisers, you never have a need for emergency travel, or work doesn’t lay you off.

Instead, comfort yourself with lies like, “I just don’t make enough money to save.” Ignore when crazy finance people (like the ridiculous FIRED UP Joseph Sangl) say things like: “You can not PROSPER if you do not SAVE.”

Blame your failure to save on other people and things. It’s your employer’s fault for paying you too little. It’s your kids fault for continuing to grow. It’s your landlord’s fault for not insulating the house. It’s GOT to be someone else’s fault because if it isn’t, then it might be your fault. And we all know that ain’t isn’t possible.

Whatever you do, just spend it all. Live for the moment. We’ll deal with the stress later.

Of course, if you don’t want to destroy your finances, you will choose to save some money every single time you are paid. Even better, you would automate your savings into a great savings account.

How To Destroy Your Finances – Part Three

Welcome to the latest series at the wildly popular JosephSangl.com – “How To Destroy Your Finances”

In this series, I will be sharing methods proven to cause financial pain and agony. Use these methods if you want to live with piles of stress and harm your relationships.

Part Three   Don’t Invest – Retirement Is Too Far Away Anyway

When offered a company match for your retirement savings plan (401(k), RSP, 403(b), TFSA, IRA, Roth IRA, etc), refuse it. You need that extra money for your budget spending right now. Say things like, “I don’t ever plan to retire anyhow” and “I’ll make my kids take care of me.”

Choose to remain ignorant in the ways of investing and how compound interest works. Use the wonderful excuse, “Investing is just too confusing.” You only have $100 to invest each month, anyway. What difference could that money really make?

Rely on the lottery as your best chance of retirement. Demand an inheritance from your parents. Better yet, continually hit them up for money right now. If they don’t immediately comply, use the “guilt trip” approach. When your siblings approach you about your leech behavior, become outraged and tell them, “You just don’t understand how hard it is for me.” And, of course, when mom and dad do give you money, don’t you dare invest it. AB-SO-LUTE-LY do not do this! To properly destroy your finances (and relationships), spend it on something ridiculous like an original VCR.

Of course, if you don’t want to destroy your finances, you will invest some of what you earn each paycheck. You will choose to lasso the power of compound interest that makes $100 per month for 40 years at 12% annual growth equal $1,176,477. You might even look at my current list of investments as a starting point for your investment strategy.

How To Destroy your Finances – Part Two

Welcome to the latest series at the wildly popular JosephSangl.com – “How To Destroy Your Finances”

In this series, I will be sharing methods proven to cause financial pain and agony. Use these methods if you want to live with piles of stress and harm your relationships.

Part Two   Use Your Credit Card To “Fill In The Gaps”

When you run out of money, pull out a credit card and swipe away. This is a great way to destroy your finances. Put daily living expenses like groceries and utilities on the credit card. Instead of making the difficult decisions necessary to balance your budget to Exactly Zero ™, just finance the difference. Besides, putting $254.78 on the credit card this month isn’t so bad, right?

Be sure to carry a balance each month with the highest interest rates possible – preferably a department store credit card with interest rates above 20%. Make the minimum payment and continue to run up the balance. Plus, the department store receipt says you “saved” money today which means you are obviously a savvy shopper.

If you really want to maximize the destruction, obtain multiple credit cards and use one card to pay the payment on another one. Flipping the balances between cards feels like you are doing something to address your financial situation – and we all know that our feelings should drive our financial situations.

Of course, if you don’t want to destroy your finances, you will prepare a balanced budget and refuse to carry a credit card balance. If you did have a credit card balance, you would roll it over to a 0% balance transfer credit card and pay it off while paying no interest.

How To Destroy Your Finances – Part One

Welcome to the latest series at the wildly popular JosephSangl.com – “How To Destroy Your Finances”

In this series, I will be sharing methods proven to cause financial pain and agony. Use these methods if you want to live with piles of stress and harm your relationships.

Part One   Refuse to work with your spouse on money decisions.

Whenever your spouse wants to talk about money, choose to throw a fit. Stomp away. Huff and puff. Pout. Make outrageous statements like, “You’re just trying to control me!”

When your beloved hands you cash envelopes for impulsive spending categories like “spending money” and “entertainment”, spend it right away. Then go to the ATM and pull more money out without telling them. When they want to speak with you about your “unauthorized withdrawal,” tell them that it’s your money because you worked for it and that you will spend it “any ole way I want to.” If possible, say this with the highest level of sarcasm possible.

Choosing to ignore your spouse when it comes to money is one of the surefire ways to destroy your finances. And most likely your marriage. Which could lead to divorce proceedings. And that will ensure any remaining money is spent.

Of course, if you don’t want to destroy your finances, it would be ideal to work together with your spouse. It’s one of the top ways I began winning with money. I share my story in my book, I Was Broke. Now I’m Not.

Monday Money Tip: The Catalyst For Changing Your Financial Situation

To launch this week off right, this Monday Money Tip is focused on perhaps the most important moment for any major change in financial behavior – the I Have Had Enough Moment (IHHE Moment).

Have you had your IHHE Moment with your money? If you are serious about transforming your financial future, check out our 12 month I Was Broke. Now I’m Not. Core Coaching Program. Learn more HERE.

How Budgeting Equals Fun

It is the passion of the I Was Broke. Now I’m Not. team to help people accomplish far more than they ever thought possible with their personal finances. These 15 words drive everything we do.

Many people hear me excitedly teach about budgeting, and they think that I am excited about the budget.

They say things like, “That dude is crazy about budgeting!” and “Joe is FIRED UP about budgeting!”

But they are mistaken. What I’m really excited about is what budgeting allows me to accomplish in life.

I want to provide well for my family. Budgeting is the key.

I enjoy giving money away to causes my family is passionate about. Budgeting makes this a priority.

I want to launch businesses that help people. Budgeting has allowed us to do this!

I want to go to plays, concerts, and special events. Budgeting has made it happen.

Without instituting a monthly budget way back in 2003, I believe I would be totally broke today.

Budgeting = Fun

I love my budget.

Do you have a budget? Grab one of our FREE BUDGETS.

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My book, I Was Broke. Now I’m Not., will teach you how to implement monthly budgeting – even if your income is crazy. Check it out and purchase a copy HERE.

Taking A Financial Leap

I’ve seen this cycle in most people’s financial lives:

  1. Face a large financial decision.
  2. Make the large financial decision.
  3. Absorb the results of the large financial decision (whether good or bad)
  4. Live for awhile
  5. Return back to #1 and repeat the process

Many people start out life in the “real world” by making the large financial decision to go to college. And they use student loans to pay for it.

Once the decision is made, they absorb the results make the necessary adjustments and live with them for awhile.

Before they know it, they are back to #1 – pondering the idea of purchasing a home, having a child, starting a business, moving to another city, etc.

Most of us want “guarantees” so we will know our financial decision will work out. However, at some points in life, we must make a decision without having all of the answers. We take the financial leap.

How have you seen this process at work in your life? Have your financial leaps always worked out? If not, would you share some of the lessons you’ve learned from those moments with us in the comments?

My book, I Was Broke. Now I’m Not., is focused on helping people win with their money. Check it out and grab your copy HERE.

Monday Money Tip: Pay Off Debt Swiftly With The Debt Snowball Technique

To launch this week off right, I wanted to share the process I used to eliminate all of my non-house debt in just 14 months and my house mortgage in 10 years. The great news is that YOU can do this too!

In the I Was Broke. Now I’m Not. Video Teaching Kit, I teach more tips about debt elimination as well as many other key tools that can help you live a fully funded life. I encourage you to check it out HERE.

Can’t see the video? Simply copy and paste the following link in your favorite browser: https://www.youtube.com/watch?v=xbyAkBz_BU0

Research – Why Do You Give?

“Why do you give?”

This question is something I’ve been thinking about for awhile. While I know the reasons my family gives money away, I would rather hear from you!

Would you take a quick minute to share your thoughts on the subject with me? I’d be so grateful, and I’ll also be sharing the results of our survey in a later post!

Can’t see the survey? Simply copy & past the following link in your favorite browser: https://docs.google.com/forms/d/1JoFFaW0XGcCsR9QkavMVi1h1obU9PVZSVI9rEqiuEFM

Never Say “We Can’t Afford That”

“We can’t afford that.”

I hear people say this phrase all the time. Many times, it is said with great intentions. However, this statement has significant power over future decisions.

It starts out when we are children. We want something so we demand it from our parents. Their response? “We can’t afford that!”

And we think, “Oh. We can’t afford that.”

We begin to connect the dots that things we really want are too expensive and not attainable.

Slowly, over time, we allow this thinking to rob us of the ability to dream. Instead of asking, “What if?” We say, “We can’t afford that.”

But it is not true.

Somebody was able to afford it. Somebody purchased it. Somebody funded their dream of sending their children to college. Somebody was able to purchase a nice reliable vehicle. Somebody was able to start up a business. Somebody decided to dream again, and went to work to make it become reality.

An alternative to “We can’t afford that” is “HOW can we afford that?”

MAJOR ANNOUNCEMENT  The words “We can’t afford that” are not allowed to be spoken or written on this blog OR in my family OR among my team.

The following statements are better (and still allowed):

  • We will need to save up for that
  • We will start saving for that in our budget each month
  • We need a miracle from God to pay for that

Financial Oxen are the best way to fund big-time dreams. I’ve written all about birthing and acquiring them in my book, OXEN – The Key To An Abundant Harvest.

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