November 2021 Financial and Goals Results

Christmas is getting close and it is a very exciting time. We wish family could come visit us again this year for Christmas like our Folks did last year but it looks like they won’t be here until January.

This may be Logan’s last Christmas for a while at home. He leaves for the Navy in about 7 weeks from now. We will make this a fun Christmas for the four of us.

Seth will probably want to have his Girlfriend over Christmas Eve or Day. We will need to work it out with her Folks. We really like Aady. Darlene likes it when she is over to our house because she isn’t the only girl in the house. LOL

We had some expenses hit us this month that I will cover with our results. Plus, the Stock Market took a hit this month with the Covid scares again. Thank goodness we have money in Digital Currency. What our Stocks were down we were up twice that amount in Digital Currency. Yea..

MY golfing season is wrapping up for the year. The costs go way up due to these darn Snow Birds. LOL December is such a busy month for our family and Darlene’s job that it is just better for me to hang my golf clubs up till January. They probably need a break anyway. LOL

It is a good time to be a Sports fan in Arizona. The Suns and Cardinal’s are doing great this year. Now if our Vikings could win some more games and maybe squeak into the playoffs. I know that is probably a big dream. LOL

Darlene is still working crazy hours. She is working 7 days a week. She works about 10 to 12 hours a day. Grocery business is tough right now because of the lack of employees. Plus, the people that keep job hopping right now. They may work for a few weeks and then get another job. Crazy. She is getting tired. Hopefully January things will be better for her and she gets a day off now and then.

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.

Here are our November 2021 Results – To read in FULL CLICK HERE

The best thing about her still working is her family Health Insurance coverage for our family. If we had to buy it out of pocket it would be over $1,200 per month easily. Once the boys get out of the house and she is done working completely I should be starting Medicare and we will only need to buy her Health Insurance for about 11 years. She plans on going to part-time in 23 months.

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.

We just need to grow our followers of Mills Way and also tighten up our expenses more so we can Invest more towards our Financial Freedom goals.

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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.

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.

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.

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