Changing Your Money Relationship

It is not difficult to be broke. From the day we begin breathing oxygen, we are consumers. At first, we consume much of our parent’s time, energy, and money. As we grow older, our own relationship with money begins to form.

Many young people receive money for their birthday, Christmas, or some other special day. What do most of us do with the first money we receive?

Spend it!

Through this experience, a “receive it = spend it” mentality forms as we begin our relationship with money.

As we grow older and move into adulthood, many people must “unravel” this broken thinking and change their money relationship.

The biggest challenges people face with their finances are:

  1. Planning its use for the funding of individual hopes and dreams (Budgeting – short and long term)
  2. Saving money (Emergency funds, Known upcoming non-monthly expenses, and Dreams)
  3. Investing (Preparing for the future funding of dreams and retirement)
  4. Spousal involvement (Unity)
  5. Long term planning (Estate planning including wills and advanced directives)

Like any relationship, improvement requires time, effort, and money. How do you need to change YOUR relationship with money?

Money Relationship Facebook Status

On Facebook, people have the ability to share their “relationship status.”

I thought we would have a little fun with this as it relates to our relationship with money. Here are some “relationship statuses” I believe we could use on a MONEY Facebook page.

  1. It’s complicated (I don’t know where to even start)
  2. Non-existent (all of my money runs out the door as soon as I receive it)
  3. Diligently seeking (trying to earn some money so a relationship can happen)
  4. Slave (completely bound up by debt)
  5. Divorced (money has completely driven me crazy)
  6. Great (money is a resource that is helping me bless others and fund my life’s plans, hopes, and dreams)

What other statuses can you think of?

I Was Broke. Now I’m Not. Core Coaching Program – Sold out in 15 minutes!

About a month ago, I was able to share the I Was Broke. Now I’m Not. LADDER – 9 Rungs to a Fully Funded Life. During that event, I was able to finally reveal our major announcement that we are taking the beginning steps toward one of my lifelong dreams – starting a university!

Our first step is the I Was Broke. Now I’m Not. Core Coaching Program. This is a year-long on-line teaching experience. We planned on accepting 100 participants, but every one of those spots was gone within 15 minutes! Crazy! We opened up a few more spots, but then we closed admissions to ensure we could provide an excellent experience to each person who made it in.

While the program is not open for admissions right now, I wanted you to know that we are planning to open it up again in January to help people accomplish their New Year’s Resolution of “changing their financial lives.” Based on this past experience, I expect those openings to go very quickly. If you are interested in being part of this January launch group, we have created a form where you can be “put on the list” to be among the first to receive notification.

Just visit the I Was Broke. Now I’m Not. Core Coaching Program page HERE [or copy & paste this url in your browser:] to learn more and to fill out the form to be placed on the notification list.

Injoy Is Hiring

I’m excited to say that Injoy Stewardship Solutions is hiring!  We are seeking someone who is results and relationship driven for the role of Ministry Relationships Consultant.  This position would be responsible for connecting with ministry leaders to directly influence them to partner with ISS to manage their campaigns and initiatives, consult with church leaders to determine their readiness for launching a capital campaign,  and help them articulate their vision and goals and understand the components of a successful campaign.

Download the full job description HERE.

If you feel like this role would be an incredible fit for you, submit your resume and Synergist Quiz Results to

Survey Results: Should You Fire Yourself?

Several weeks ago, I asked the question, “Should you fire yourself from the way you’re managing your finances?”

The results are IN.

Out of 117 responses, 80% said “YES.”

So now comes the next question for you to share in a completely anonymous way:

What is the main reason you said you need to fire yourself?”

Thanks for sharing your candid responses! I’ll share everyone’s thoughts in a later blog post.

Mentors Matter

The people who are allowed to speak into your life impacts your ability to make progress.

Stated more simply, “Mentors matter.”

If I had not sought wisdom in managing my personal finances, I would have remained broke. But I did seek wisdom. I’m no longer broke.

If I had not sought wisdom in operating a business, I would have run ours into the ground by now. But I did seek wisdom. I have three healthy businesses.

If I had not sought wisdom in raising up a strong and independent daughter, I would have an obstinate teenager by now. But I did seek wisdom. I have an incredible daughter.

If I had not sought wisdom in running a 26.2 mile marathon, I would have bonked a few miles in. But I did seek wisdom. I have run not one, but two full marathons.

Proverbs 4:7 shares this: “The beginning of wisdom is this: Get wisdom. Though it cost all you have, get understanding.

Don’t skip past the advice about the “price” one should be willing to pay: though it cost all you have

Have you ever sought wisdom though it cost you tons of money?

5 Things Money Can Not Buy

We all know that money can’t buy us everything. It can’t buy love, true happiness, or ensure a stress-free life.

Here is a list of five (frustrating, humorous, maddening) things I’ve discovered money can not purchase.

5 Things Money Can Not Buy

  1. A toilet that will never stop up, overflow, or leak. It will leak, hiss, or overflow at TERRIBLE times (which is pretty much any time a toilet messes up)
  2. Rain. I’ve lived in South Carolina for most of the past 15 years. Our local lake (reservoir) has ALWAYS been in some level of drought condition. Money couldn’t buy rain. Of course, this summer we’ve hardly had a day without rain and the reservoir is bursting at the seams.
  3. Children who obey perfectly.  Turns out that a 3 year old will be a 3 year old whether or not you have money. Can I get an “Amen” from some parents?!?!?
  4. A car that won’t break down. I’ve had nice cars, and I’ve driven scary bad cars. Like 1981 Datsun B-210 bad. I’ve discovered ALL of them break down. One of my vehicles just started to have a “brake squeal.”
  5. Print cartridges that never run out. My print cartridge arrives at empty with impeccable timing – right when we must have it to finish the seven hour assignment from the teacher who believes a bridge built out of toothpicks somehow equals practical real world experience.

Any other frustrating, humorous, or maddening things you can think of that money can not buy? Please share!

Maybe This Is Your Financial Miracle

“Stop it.”

Maybe that is the financial miracle that you need.

Not another book or another seminar.

Not more income or a better job.

Not for your spouse to magically change their financial behavior.

Maybe the financial miracle you are praying for begins by applying these two words: “Stop it.”

NOTE: Variants of these words can also be used: “NO!”, “Not now!”, “Wait.”, or “Some day.” are viable options.

The Major Announcement

We made history last night! It was the largest on-line event I Was Broke. Now I’m Not. has ever hosted! Even more, I was able to finally share our MAJOR ANNOUNCEMENT. I announced that we are taking steps toward one of my biggest life dreams: start a university. We’re starting with a training program we call the “I Was Broke. Now I’m Not. Core Coaching Program” – an exclusive 12 month money coaching program.

Core_logo 350 px

This literally changes everything. You see, hundreds and hundreds of you graciously participated in our “money survey” last spring. As we reviewed your feedback, we were blown away at the incredible challenges people are facing. We saw that people struggle with even writing down their dreams. Tons of people told us that they struggle with investing. Many others are encountering the task of teaching their children about money, but have no idea where to start. Still more don’t know how to engage their spouse in making sound money decisions. Many more didn’t really know where to begin their financial journey and desired a “roadmap” to financial freedom.

As I saw the data pour in, it became clear that our team had to get to work to develop resources to address these issues. Over the past several months, we have went to great lengths (and costs) to find a way to help people transform their financial future. I believe we have come up with something really special.

While you may want to jump in right now, I want you to understand some key requirements:

  1. You must be willing to be challenged in the way you view money
  2. You must be fired up about taking your finances to another level
  3. We need you to provide feedback on how we can improve the program
  4. You will need to have access to the Internet to participate – all of our teaching will be delivered on-line

If you want to be one of the very first graduates of the IWBNIN Core Coaching Program, CLICK HERE to learn more, purchase your spot, and get started.

PLEASE NOTE: We ran out of the initial 100 spots within 30 minutes of the live event last night. We’re so overwhelmed at this response! In an attempt to accommodate more participants, I have taken steps to assign the personnel necessary to open up 100 more spots. Since we are sending this opportunity to 31,556 people, we expect these spots to go VERY QUICKLY so please accept my apologies if you experience a “Core Coaching Program has reached FULL CAPACITY” situation.

Should You Fire Yourself?

If you looked at your financial decisions and management from the viewpoint of a “third party” – what would you say about the manager?

  1. Are your decisions yielding a profit (money given, saved, and invested)?
  2. Maybe you are operating a “non-profit” – where you are making it from month-to-month, but nothing is left over to give, save, or invest., OR
  3. Perhaps you are where I used to be, operating “at a loss” – where you are spending more than you make and feel stuck financially

I realized in December 2002 that “Me, Incorporated” needed to change leadership because I was doing a terrible job. I had to do something that was quite challenging to do: I fired myself.

It was the greatest financial decision I have ever made. In my place, I rehired “a new and improved CEO” Joseph Sangl to lead Me, Inc. This new leader was vastly different from previous management. Here are some key differences this new leadership provided:

  • The new leader was well-read in all things finances (I read TONS of financial books)
  • The new leader was willing to involve his spouse in all financial decision
  • The new leader was willing to prepare a budget every single month AND (Gasp!) stick to it!
  • The new leader was focused on yielding a profit (to give away, save, and invest)

Firing myself was one of the greatest financial decisions I’ve ever made. Do you need to fire yourself? Share your answer in the poll below. Once you’ve voted, you’ll be able to see how others have responded!

Budgeting or Dreaming: Which is More Important to Financial Success?

Which of the following do you think is more important to financial success?
A.  Having a budget, OR
B.  Having written plans, hopes, and dreams

The I Was Broke. Now I’m Not. survey revealed the answer! And I’m sharing it during the “I Was Broke. Now I’m Not. LADDER” live on-line event on Sunday, 8/25, at 7:00 PM Eastern Time. Join hundreds and hundreds of people at this life-changing event by registering or copy & paste this link in your favorite browser:

What do YOU think is the answer? Share your thoughts in the comments or on our Facebook page.

Want To Start A Business? Learn From Phil Robertson and Duck Commander!

I ran across this video on YouTube the other day, and I believe it can really help any person who is interested in starting a business. Take 4:15 to watch the video and then read the rest of this post:

Here are some key takeaways:

  1. They were willing to do whatever it takes to ensure the dream became reality  They were willing to “live off the land” while Phil was working on perfecting and selling the duck call.
  2. They (Phil and Miss Kay) were in agreement on the decision to start the business  If you are married, starting a business affects BOTH OF YOU greatly. They were united in the decision.
  3. He knows where his blessing has come from  He gives credit to God for the blessings
  4. Fame was never his focus  He was focused on making a great duck call and getting it in the hands of hunters. Fame was a by-product.

I’ve purchased Phil’s new book, Happy Happy Happy, so I can learn more of the story.

What are your takeaways? Share in the comments!

I Just Can’t Do This Anymore

I just can’t do this anymore.

This statement summarizes the feelings many people have about money.

When someone says something like this,

They are NOT saying …

  • I’m unwilling to put in the effort necessary to win with money
  • I give up
  • I’m not responsible for for my financial situation

They are really …

  • Crying out for help
  • Frustrated or downright depressed about their current financial situation
  • Overwhelmed
  • Losing hope that it will ever get better
  • Begging for teaching and help that actually makes sense to them

This is why the I Was Broke. Now I’m Not. organization has always focused on providing PRACTICAL and RELEVANT financial teaching and resources. Here are just some of the resources you can take advantage of right now:

  1. Attend one of our live teaching events (see schedule HERE)
  2. Use one or more of our nearly 100 free financial tools (HERE like budgets, financial calculators, etc)
  3. Register for our FREE exclusive on-line teaching event coming on Sunday, August 25th – the “I Was Broke. Now I’m Not. LADDER” 9 Rungs to a Fully Funded Life event (REGISTRATION LINK)

Fired up to serve you!


Process Trumps Determination


I’m a formally trained engineer. My Purdue University degree stating “Bachelor of Science in Mechanical Engineering” provides confirmation of it.

I’m a formally trained business. The Clemson University degree stating “Masters in Business Administration” provides confirmation of it.

These two pieces of paper are the result of a process.

No amount of determination would have provided the results that the Purdue University and Clemson University processes afforded me.

In my work, both as a working engineer and now as business owner, I have come to clearly understand that “process trumps determination.”

I have run two 26.2 mile marathons – one in San Diego, CA and the other in Houston, TX. Both of these accomplishments happened because of a process. I used the marathon training plans offered by Hal Higdon. Absent of the process, no amount of determination would have prepared me for running 26.2 miles at one time.

The same is true for your money. You may be determined to win with money, but without a process to help you take each step, your financial progress will languish.

“Process trumps Determination”

Do you have a process that is helping you win with your money?

I’m so excited to offer a special one-night only LIVE ON-LINE EVENT on Sunday, August 25th, at 7:00 PM Eastern. I’m going to be teaching a rung-by-rung process I call the “I Was Broke. Now I’m Not. LADDER.” I will be sharing the process I used to win with my money, and I’m confident it will be a great help to you as well. Join us LIVE as I teach the 9 Rungs to a Fully Funded Life. To learn more and register CLICK HERE.

This Can Change Your Financial Life!


The I Was Broke. Now I’m Not. LADDER

9 Rungs to a Fully Funded Life

Dear Friend,

Several months ago, I asked 32,185 people to share their financial concerns with me. The response was incredible! So many of you took time out of your busy schedule to participate in a survey, and the responses were amazing.

As I read each of them (hundreds and hundreds of them), I knew the I Was Broke. Now I’m Not. team must do something about it. We immediately went to work to develop a resource addressing the concern shared by many:

“How do I get from where I currently am with my finances to the place that I desire?”

As we developed this resource, I realized I have never publicly shared the step-by-step process my family used to move from having an average bank balance of $4.13 to living a fully funded life. So for the FIRST TIME EVER in a public arena, I am going to be teaching that process, and YOU are invited to participate. In this LIVE ON-LINE EVENT I will be teaching what I call the “I Was Broke. Now I’m Not. Ladder” – 9 Rungs To A Fully Funded Life.

This information completely changed my life, and I believe it can do the same for you and your family!

Using this proven process, my bride and I paid off all of our non-house debt in just 14 months. We paid off our HOUSE by the age of 38. It is pretty easy to live a fully funded life when your house payment is gone!

Does this process work for others? Just ask Mark and his family.

Mark and his family were earning income, but the money seemed to disappear as fast as it came in. Despite working a full-time job and several part-time jobs, the dreaded “knock on the door” happened one evening. At the door was a person delivering a home foreclosure notification. With over $85,000 in non-house debt and a foreclosure hanging over their heads, Mark and his wife attended one of my live events. I offered free one-on-one financial coaching, and they took me up on it. I walked them through the “rungs” of the “I Was Broke. Now I’m Not. Ladder” and suddenly everything clicked into place. For the first time in their life, they had a clear financial path to follow, a path they understood. It changed their life. It changed their marriage. They were able to save their home from foreclosure and eliminated all of the $85,000 debt. They are now living a fully funded life.

Here’s what you will learn during this event:

  • Nine rungs anyone can climb to financial success
  • How my family went from $4.13 in our bank account to living a fully funded life
  • A MAJOR ANNOUNCEMENT (trust me, it’s HUGE!)

I can’t wait for this great night of learning (and the major announcement)!

“I Was Broke. Now I’m Not. LADDER” Live On-Line Event DETAILS:

I’m so passionate about providing this valuable knowledge that I am having our team take steps to accommodate tens of thousands of people. You read that right – tens of thousands of people! I want you to be free to invite the special people in your life to participate because I truly believe you know people who are dissatisfied with their current financial situation and need help!

Be sure to reserve your spot by filling out the registration link below:

Can’t see the sign-up form? Copy and past this website to your favorite browser to register on-line:

Consider inviting:

  • Parents
  • Grown children
  • Siblings
  • Work colleagues
  • Friends
  • Extended family members
  • Church members

Ways to invite:

  • Copy and share the following link on your Facebook page:
  • Share the following link on your Twitter feed:
  • Call or text your friends

Let’s transform the way this continent manages money!