Christmas Temptations and Crypto Update

Christmas time there are so many temptations all around us from TV, Internet, Radio, Ads in the Paper and more. We have feelings that maybe we didn’t get enough for our kids or maybe we should buy something for our friends. Darlene and myself seem to always buy stuff a week after we said we were completely done shopping. Crazy. LOL

We aren’t perfect at all. We have bought many gifts this year after we said we were done shopping for the Christmas season. Also, we bought gifts this year for people that were not in our Budget. Next year we may need to adjust our Christmas Budget? LOL

Some ways to try to not fall for all the Christmas Temptations to spend more money are the following;

  1. Have a Budget. Post it on the wall. Stick by it. Make the Budget with your spouse if you are married.
  2. Don’t go to the Mall after you are done Christmas shopping. Put blind folds on when shopping at the Grocery Store or Mass Merchants after you are done Christmas shopping. LOL
  3. Watch DVD’s you own and less TV so you don’t see all those Christmas Ads.
  4. Go for Walks and Hikes and less time on Social Media accounts.
  5. Review your Retirement Plans, Budget and Projections to help keep you on track.
  6. Ask for Help from your partner or friend to help keep you on your Christmas Spending Budget.
  7. Don’t beat yourself up if you go over your Christmas Spending Budget. Maybe you can cut back on something else this month.

Any tips you have for others to try please e-mail them to me so I can pass them on.

Quick update on our Digital Currency for the Month. We are down 5.67% for the day and down 14.53% for the month. Remember I told you that Digital Currency is a Roller Coaster ride during the year and can have big swings. I think in December some people may sell some Digital Currency to cover Christmas Presents because they fell into their Christmas Giving Temptations and in January to April, they may sell some off to help pay Taxes.

Remember that the information in this Podcast is just what we do or our views. It is not for you to follow. You need to do your own research. We strive to Invest daily towards our Financial Freedom. Also, if you don’t have a stomach for the up and downs of Investing it may be safe to hire a Financial Planner to manage your investment’s. We do like Crypto Currency and feel Crypto could show our biggest gains in the future.  We less than 5% of our Net Worth in Crypto Currency so if they don’t turn out we won’t be broke.

My goal would be too able to live off a 3% withdraw rate when she retires completely. We live Debt Free and work really hard to live within our Budget. I feel we can adjust our Budget at times if we need too. If our businesses and Live4.Club Podcasts take off big she could retire fully sooner and help me with them both.

If you need more help, I can help with my Coaching service. I just want to help people have less stress about their Financial Future or their Retirement plans and spend more time enjoying life.

“The definition of insanity is doing the same thing over and over again, but expecting different results”. By Albert Einstein. I would also say the definition of insanity is believing you can live a financial responsible life without tracking how you are doing, having a budget and goals. I like following others who track their finances to compare our also. I enjoy helping people with their finances and goals.

Here are some positive quotes I like;

“Get your Money to Work for You… As hard as You Work for it.” By Napoleon Hill

“1. Make Money. 2. Use the Money to Make More Money. 3. Repeat the Process.” By Warren Buffett

“There is no way to happiness; happiness is the Path.” By Buddha

“Change Your Thoughts – Change Your Life” by Wayne W. Dyer

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Let me know your thoughts about this blog and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful. Also, please see my Disclaimer page.

Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.

As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at This is for entertainment only.

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We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom.

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