Be Wealthy & Smart

Learn the two ways to pay down your mortgage early and the one method I don't recommend. There are 3 methods that can pay down your debt, but only two I recommend. The calculator is here. ARE YOU INTERESTED IN BECOMING A BETTER INVESTOR? If you are interested in becoming a better investor, working more closely with Linda and finding out more about the Be Wealthy & Smart VIP Experience, please email me at lpjhome@gmail(dotcom) for details and a special price for a limited time. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! PLEASE COMPLETE THE PODCAST SURVEY In an effort to make the show the best it can be, I need to know who my audience is and what you think. Please take 3 minutes to complete the survey and let me know. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. Leave a review on Amazon here. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Sponsor: Audible - Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I "read" more books and stay ahead of the curve. Visit Audible and get your first audiobook free! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won't hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.

Learn why the market is so volatile, what's causing it and where we go from here. Stock market volatility is never fun, but it helps a lot to understand why it's happening. I show you the signs that tipped off the VIP Experience group that a correction was coming. When you know what to look for, you aren't blindsided by volatility. ARE YOU INTERESTED IN BECOMING A BETTER INVESTOR? If you are interested in becoming a better investor, working more closely with Linda and finding out more about the Be Wealthy & Smart VIP Experience, please email me at lpjhome@gmail(dotcom) for details and a special price for a limited time. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. Leave a review on Amazon here. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Sponsor: Audible - Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I "read" more books and stay ahead of the curve. Visit Audible and get your first audiobook free! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won't hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.

Learn how to save tens of thousands of dollars by buying cars less frequently. Next to purchasing a home, your biggest expense is usually buying a car. My tip is to own your cars longer. If you buy a brand new $40,000 car every 5 years, in 5 years you've lost 60% of the value in depreciation, not including the interest you're paying on a loan. That's a guaranteed loss of $24k. If instead you could keep the car for ten years, and invest the money you would have spent ($40,000) buying a new car every 5 years, over 30 years you would have only bought 3 cars instead of 6. You saved $120k which could be used to invest in the stock market. Assuming an average return of 10%, you could invest $40k for 25, 15 and 5 years each because you didn't use the money to buy a car in those years. How much could that become in 30 years? Take a wild guess. It could grow to $664,897! Here's the takeaway: buy new cars as infrequently as possible. Best to buy them a few years old in great condition with low miles. If you drive a lot of miles each year, listen to my podcasts about cars that last 200,000 miles. PLEASE SUBSCRIBE AND REVIEW THE SHOW If you enjoyed this episode, please subscribe and leave a review on whatever platform you listen. I love hearing from you! WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. Leave a review on Amazon here. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Sponsor: Audible - Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I "read" more books and stay ahead of the curve. Visit Audible and get your first audiobook free! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won't hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.

Learn one word for wealth. Be sure to listen to the end, there is a surprise cameo! I suggest you choose one word for the year that you are claiming as your intention. It doesn't have to be in regard to your finances, but I suggest you pick one for your finances. It could be "profit", "revenue", "wealth" or something else. This is your intention for an area of improvement during the year. Leave a review on Amazon here. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! Sponsor: Audible - Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I "read" more books and stay ahead of the curve. Visit Audible and get your first audiobook free! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.)

Learn my top 10 money strategies to advance your income and net worth in 2019. In summary, here are my 10 Financial Moves for 2019: 1. Review your asset allocation -Rebalance, diversify, adjust as you age, don't use target date funds 2. Contribute more to your 401k and 403b, and IRA's -Contribution limits increased $500 this year. 3. Reduce high interest rate debt (hopefully you are already debt free), but if not pay off your highest interest rate debt first and then your highest utilized amount of debt (debt to total credit ratio). -I do not recommend paying off mortgage debt because it is only 3% or 4% debt and the opportunity cost of what you could earn with that money is much higher. 4. Dollar cost average into the stock market. 5. Don't get too overweight in real estate because it is very late in the cycle. 6. Think over large purchases that can cost you tens of thousands of dollars, like new cars, other vehicles/boats, electronics, high ticket designer shoes/handbags, and moving homes too often. 7. Update wills and beneficiaries on retirement plans and insurance policies, especially if you've had a major life event like marriage, divorce, new baby, illness, or death. 8. Consider starting a side hustle for extra income. 9. Look into new cycles such as Cannabis stocks, artificial intelligence (AI), Infrastructure, Defense stocks, the younger (FANG stock replacement) tech companies. Should you consider the two big IPO's next year? 10. Keep following the "6 Steps to Wealth" and check out my Wealth Heiress book. Men and women are loving it! WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY GIVEAWAY IS ALMOST OVER! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! Sponsor: Audible - Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I "read" more books and stay ahead of the curve. Visit Audible and get your first audiobook free! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won't hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.

Learn what you can win, what other listeners are saying about wealth building and why I disagree with misers. The Holiday Giveaway is ending January 1st - only a few days left! Hear what your fellow listeners have to say about the podcast and how it's changing their lives. Listen to me rant about why a meager existence is not the focus of this podcast, and what experiences I wish for you. It's NOT about Consumerism, it IS about your life and experiencing incredible times on this journey of LIVING. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY GIVEAWAY IS ALMOST OVER! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! Sponsor: Audible - Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I "read" more books and stay ahead of the curve. Visit Audible and get your first audiobook free! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won't hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.

Learn how other people's money (OPM) and the smart use of debt can build your wealth. Not all debt is inherently bad! Why is mortgage debt triggering people? Mortgage rates are only 5% for 30 years and are partially tax-deductible. Credit cards with high interest rates are the real culprit! Don't use debt for depreciating assets. Mortgages can be great forced savings plans because the debt will become equity. In this podcast I help you think through why you may want to set up a retirement plan before paying off your mortgage. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY SIZZLE CONTEST IS ON NOW! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! Sponsor: Audible - Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I "read" more books and stay ahead of the curve. Visit Audible and get your first audiobook free! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won't hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.

Learn why selling stocks can be a huge mistake, how a few days makes a huge difference and how to reduce risk. You can read my article on Forbes.com here. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY SIZZLE CONTEST IS ON NOW! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! Sponsor: Audible - Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I "read" more books and stay ahead of the curve. Visit Audible and get your first audiobook free! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won't hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.

Merry Christmas! I'm sharing my thoughts and gratitude for you being here. This special message is straight from my heart, and will only be posted for a few days. If you don't celebrate Christmas, please accept this message as a special holiday message from my heart to yours. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY SIZZLE CONTEST IS ON NOW! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! Sponsor: Audible - Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I "read" more books and stay ahead of the curve. Visit Audible and get your first audiobook free! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won't hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.

Learn what to do so that you can become a millionaire, whether you are a Millennial or not. Wealth building tips are not just for young people. Learn what to do to grow your money into millions, no matter what your age is. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY SIZZLE CONTEST IS ON NOW! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! Sponsor: Audible - Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I "read" more books and stay ahead of the curve. Visit Audible and get your first audiobook free! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won't hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.