Archive for December 2009


Each year, I make a point to reflect on everything that took place in the past year.

Here is a short list of what happened in 2009.

  • Announced STUNNING news that we are expecting a 2nd child (read about it HERE)
  • The IWBNIN team spoke/taught 91 times!   (we want to speak at your church or business in 2010 – contact us HERE)
  • We taught over 40,000 people!!!!   Unbelievable!!!
  • Released a new book – What Everyone Should Know About Money Before They Enter THE REAL WORLD
  • Built a tree house in the backyard for my daughter – and camped out in it TWICE – once in a major thunderstorm!
  • Caught a “Fish-Of-A-Lifetime” – a 47″ 28.3# Muskie


  • Completed my 2nd 26.2 mile marathon (like Pastor Jeff Kapusta just did) in Houston, TX – and I beat my goal – and two of my brothers while finishing in less than 4 hours – 3:55!!!!   (you can read about it and see my mile splits HERE)
  • Took off with my wife on two separate trips WITHOUT the daughter – NICE!

I am SO thankful for the blessings in my life, and I can’t wait to see what 2010 holds!

Did I mention that we are having a son in early February?!!?!?!

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Isn’t Our Word Worth Anything Anymore?

I was listening to talk radio the other day as I was traveling to my home state of Indiana.

A caller said something like the following, “We bought this house.   We owe more on it than it is worth.   We are just going to give it back to the bank.”

I see this exact thought process happening across the nation, and it frustrates me greatly.

The core of the problem as I see it is this:

Something has happened to us – somebody is going to have to pay – it is NOT going to be us.

Isn’t our word worth anything to us anymore?   If I purchased a house that has dropped in value substantially, it does not change the fact that I gave the bank MY WORD that I would repay the money I borrowed!   MY WORD is not a flippant statement that I can reverse when it becomes inconvenient to me.   MY WORD is far more important to me than a few thousand bucks.

Other situations I see this happening rampantly … business contracts and marriage vows.

In the Word it states “Simply let your ‘Yes’ be ‘Yes,’ and your ‘No,’ ‘No'”.

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Discipline Is Just As Important As The Plan

Discipline matters just as much as the plan.   It does not matter how good the plan.   If the discipline is not there to do the work, the plan becomes useless scribbles on some paper.

It is so easy to be UNdisciplined.

Think about it.   How difficult is it to be …

  • Physically out of shape (round is A shape, but it is not IN-shape)
  • Overweight
  • Spend money we don’t really have
  • Spend money without a plan
  • Lazy
  • Spiritually unconscious
  • Ignore family
  • Selfish

I wrote a book titled I Was Broke. Now I’m Not. Writing the “I Was Broke” part was EASY.   The hard part was taking the necessary steps so that I could write the “Now I’m Not.” part.

Why don’t we see books titled, “How to be B-R-O-K-E.   Ideas for spending all of your money (and then some)”?   It is because many people do not need a guidebook for accomplishing this.

It always falls back to discipline.

So let’ start a discussion about that topic …

Read the entire series

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New Book Has Started Shipping!

I am PUMPED to announce that my new book, What Everyone Should Know About Money Before They Enter THE REAL WORLD, began shipping today!

It is hard to believe that I have been able to author ONE book – let alone TWO!

It is my hope that this book helps people AVOID and PREVENT financial mistakes because it is so much more difficult to attempt to CURE them.

If you were not able to pre-order your copy, you can purchase a copy HERE thru Friday and still receive it in time for Christmas!


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CNN Money Article – MUST READ!

There is a new post written by Carolyn Bigda on CNN Money titled, “Stick With Your Financial Diet”, and I believe every person should read it.

Here is a great line from this article:

“With the worst of the recession seemingly over, history suggests that many of us will soon revert to boom-time bad habits. People grow overly optimistic about their circumstances in periods of economic growth …”

Read the full article HERE.

If you are on a debt diet, what are you doing to ensure you stick to it?

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