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Posts Tagged ‘suicide’

$20 Million “Change the World” Giveaway

This blog post is part of the 4th Annual Suicide Prevention & Awareness Month blog tour*. If you are feeling suicidal, please call the National Suicide Prevention Lifeline at 1-800-273-8255 or text HOME to 741741.

 

Eliminate old debt problems with this $20 million giveaway. Stop debt collectors in their path. No more annoying calls and harassment. #debt #giveaway #debtreduction  #debtcollectors #reducedebt #debtproblems #suicide #helpSeptember is National Suicide Prevention Month. Each of the last three years I participated in a Suicide Prevention & Awareness blog tour. Last year I published on the tragic story of a young woman who changed her life forever in an attempted suicide gone wrong. I pointed out how this is important even for the FIRE community, a group of people that accumulates wealth and avoids debt.

In 2016 I shared my personal struggle with depression and seasonal affective disorder (SAD)

Two years ago, in 2017, I outlined how I got into the hedge fund industry buying charged-off receivables. And that is where our story begins today.

 

Trouble in Paradise

Money problems are a leading cause of suicide. Debt is usually the culprit, but medical bills also play a meaningful role.

You can read the 2017 article for more details, but the short story is I got into the debt buying business many years ago. When I bought a package of debt I ran a LexisNexis report to screen the accounts. 

Debt was parsed into categories and then sent to collection agencies and law firms. Most of these firms worked within the law, but some were fired when it was discovered they used inappropriate tactics to collect. 

Each file would have a LexisNexis report pulled once or twice per year in addition to what the collections firms did. And one of the disturbing trends was the high rate of divorce, job loss, medical issues and suicide. It was hard to work within an industry doing so much harm.

Monthly reports were filed by each collection agency and law firm with a remittance of what they collected the prior month, minus their fee. 

At this point it would be a good idea to review the John Oliver video on how the debt buyer industry works so understand how evil some of these people are.

 

 

I had to wash my hands. Unfortunately I had a fiduciary obligation to investors. 

To sooth my conscious I started sending copies of personal finance books to debtors who made any payment toward their delinquent debt. Dave Ramsey’s The Total Money Makeover was reasonably new so it was the go-to gift. 

The hedge fund’s attorneys soon caught wind of my behavior and warned me against sending the personal finance books. They felt it added litigation risk so I stopped as it put investors at risk.

Soon after I made my exit from the industry. Emotionally it was too much to handle. I could not push people over the edge to line my pocket.

 

Putting Experience to Work

Both debt buying hedge funds I managed did well; the first significantly better than the second. More important than the money was the experience I gained. I know the intimate details of buying, selling and collecting debt.

And I have contacts. 

When I ran across the John Oliver video I had to watch. Nothing much has changed since I ran those halls. 

As a debt buyer I could buy debt for pennies on the dollar. In many cases I could buy for less than a penny on the dollar! (You read that right. I could (and still can) buy massive packages of debt for a fraction of a cent on the dollar. One quick email or phone call and I can have a $20 million package of debt on my desk before the day is out for a mere $50,000.)

Debt kills. My actions within the debt buying industry, while always legal, was still part of the problem. Of course I was a small fish in the debt buying industry. However, the raindrop never blames itself for the flood, but they all play a role. 

It still bothers me all these years later. My legal team collected a lot of money from a lot of people. Most got into debt with their eyes open and really owed the money. Still, everyone does stupid stuff. There has to be a way to start over—an out, if you will. 

And more than I want to count, we forced too many people with medical debt to the edge. (Do you push a parent over the edge just to collect on a debt caused by their child’s medical bills?)

 

The Plan

John Oliver gave me an idea. What he did was buy a package of old medical debt and then wrote it off (didn’t collect on the debt) to the tune of $15 million. 

There are some tax issues with this, however. to solve the tax issue Oliver found an organization that handled the debt so the debtors didn’t get socked with taxes when the debt was forgiven.

However, I think Oliver got the tax issue slightly wrong. 

In the debt buying industry we don’t give anyone a 1099 for cancelled debt unless the debt is settled for less than full value. If the debt is never paid, no 1099 goes out! (The debt buying industry has good lobbyists.)

Also, a large percentage of these debtors have a negative net worth so even if they were to have cancelled debt it is not added to income to the extent the debtor is insolvent (Form 982).

This is where my plan comes in.

 

$20 Million Giveaway

End debt problems with this giveaway. It's raining money! Check if you qualify. No signing up. If you make the list your debt is automatically deleted. #debt #bills #collectors #billcollector  #deardebt #debtdrop #olddebtDelinquent debt keeps sloshing around, even when it is out of stat (statuette of limitations), getting sold again and again. When a new debt buyer takes over the collection actions ramp up again. The phone call are a serious distraction to the debtor.

The out of stat debt is really uncollectable. In some states—like Wisconsin—it is illegal to attempt to collect an out of stat debt. 

This is the dirty part. If a crooked debt collector can convince you to pay even a small amount the debt is then considered fresh and the clock starts all over again. In other words, you take a debt worth a half cent on the dollar and make it worth 10 cents on the dollar since it is now considered a debt with a recent payment. A simple $5 payment is all it takes to restart the clock and open the option the legal action.

The debt buyer can now go to court to collect the rest, plus interest! Or sell it for 10 times what he paid for it. The debtor can never get away from a financial bad spot, even debt older than a decade. The merry-go-round of debt selling never stops.

 

This blog has done modestly well. There are funds in the checking account looking for a good purpose. 

John Oliver (and I guess Oprah, too) bought $15 million of old medical debt and had it eradicated. 

The Wealthy Accountant had an opportunity to buy a $20 million package of old mixed debt, mostly credit card and medical. 

And that is exactly what I did. Most of it is out of stat and technically uncollectable. The only way to stop the debt buyers, however, is to stop the selling of the debt which is exactly what I did here.

I know it is a spit in the ocean. There are hundreds of billions of this charged-off debt floating around out there. This $20 million gesture will not even make a ripple.

Unless you happen to have an old debt in the package purchased. Then you will get a reprieve from the harassment.

The debt will sit in a desk drawer in my office gathering dust. No 1099 or tax issues because I will not officially retire or write-off the debt. It will just age. And unlike a good wine, it will stink up the office for sure.

 

Dreams

Your debt is forgiven. Wealthy accountant has a $20 million giveaway reducing debt so people can have their life back. Reduce stress and money worries. Has your debt been forgiven? #debtforgivness #debt #stress #worry #moneyproblems #suicide debthelp Packages of this old debt are always large. I have seen some small packages when I ran the hedge funds, but it doesn’t allow me the chance to game the system.

You see, I buy this debt for almost nothing. The $20 million package cost just under $50,000. Could you imagine if you could buy your old $20,000 credit card or medical debt just one account at a time for a half cent, or $100? 

If thousands of accounts were not packaged together you could pull yourself off the conveyor belt.

Most debt buyers also sell their debt. If they are selling a package of debt for 2 cents on the dollar, they usually allow you to cherry pick for maybe 3 cents on the dollar. 

If I ever get time I will build a course showing people how to track their old debt down (see who owns it) and buy just their own old debt for next to nothing. 

Until then, I did what I could.

 

 

 * The Annual Suicide Prevention & Awareness Month blog tour is technically over. Melanie Lockert sponsored the blog tour from her Dear Debt blog for three years. Her publishing schedule has become Spartan this year as her interests and focus seem to have changed. I decided to continue the blog tour solo this year. There is so much work still to be done. Money problems are a leading cause of suicide. My experiences and skills allow me to make a difference few have the opportunity to do. So I present this post in hopes that at least one is saved.

 

 

More Wealth Building Resources

Credit Cards can be a powerful money management tool when used correctly. Use this link to find a listing of the best credit card offers. You can expand your search to maximize cash and travel rewards.

Personal Capital is an incredible tool to manage all your investments in one place. You can watch your net worth grow as you reach toward financial independence and beyond. Did I mention Personal Capital is free?

Side Hustle Selling tradelines yields a high return compared to time invested, as much as $1,000 per hour. The tradeline company I use is Tradeline Supply Company. Let Darren know you are from The Wealthy Accountant. Call 888-844-8910, email Darren@TradelineSupply.com or read my review.

Medi-Share is a low cost way to manage health care costs. As health insurance premiums continue to sky rocket, there is an alternative preserving the wealth of families all over America. Here is my review of Medi-Share and additional resources to bring health care under control in your household.

QuickBooks is a daily part of life in my office. Managing a business requires accurate books without wasting time. QuickBooks is an excellent tool for managing your business, rental properties, side hustle and personal finances.

cost segregation study can reduce taxes $100,000 for income property owners. Here is my review of how cost segregation studies work and how to get one yourself.

Worthy Financial offers a flat 5% on their investment. You can read my review here. 

Suicide Prevention in the FIRE Community

This blog post is part of the 3rd Annual Suicide Prevention & Awareness Month blog tour. If you are feeling suicidal, please call the National Suicide Prevention Lifeline at 1-800-273-8255 or text HOME to 741741.

 

Call it First World problems; the minor inconveniences of life: the traffic light turned red at the last moment, you’re surprised by a repair, you discover you have to work past the age of 30. We live in such opportune times it’s easy to forget real difficulties exist. Some right in our own communities.

September is National Suicide Prevention and Awareness Month and Melanie Lockert of Dear Debt is asking personal finance bloggers once again to take up the keyboard to prevent unnecessary tragedy. I participated in the first two Suicide Prevention Blog Tours but intended to sit this one out when I got the email. I had no idea what I wanted to write. I said what I needed to say and had no more to add to the heap of literature on suicide prevention. Then I walked to the mailbox.

A Difficult Weekend

The Suicide Prevention Blog Tour is designed to bring attention debt, depression and suicide. Some bloggers keep it simple, pushing the simple message of hope and encouragement. I prefer a longer emotional story to illustrate my point.

The statistics are damning. Suicide is the second leading cause of death among people in their early 20s and the overall rate of suicide increased 28% from 1999 to 20161. Mental health is a serious factor in suicide, but not always a factor. Complicating matters is that most suicide attempts are not the result of one issue only.

September is Suicide Awareness and Prevention Month. Debt is a leading cause of suicide. Debt help is available. Debt free. Debt freedom. #wealthyaccountant #debt #suicide #suicideawareness #suicideprevention #debtsnowball #debtfreeFinancial problems (the focus of the Suicide Prevention Blog Tour) are the fifth leading cause of all suicides1. Relationship problems are the leading cause. And that is where First World problems and a short walk to my mailbox collided.

Melanie’s email had already started sliding down the list of unanswered emails when I took that fateful walk to the roadside. Just in time for the Labor Day weekend, the current issue of National Geographic had arrived.

The cover of the magazine was disturbing, an ominous sign. This is the kind of reading I bury and get back to much later if ever. I normally read National Geographic from beginning to end religiously. This time I put the magazine next to my reading chair with the cover facing down. It was too hard to look at.

But like a Stephen King novel, it kept calling out to me. Slowly I paged through the magazine and gathered information on the disturbing cover. The story was about Katie Stubblefield and the face transplant she received.

I dared to start my routine read of the issue with the letter From the Editor and was in tears before I finished the letter I was so moved. I was vested in the story and the tragedy that brought this young woman into a nightmare I doubted I could ever personally survive.

20 Seconds that Changed a Life Forever

Katie was born to a loving family and grew to be a beautiful and intelligent woman. She was plagued with a perfectionist personality. When her perfect world started to crumble a final piece to the puzzle would put her face before the world.

Katie struggled to be the best at everything. One day she discovered messages on her boyfriend’s phone to another woman. He immediately broke up with her when she confronted him.

Katie went home and locked herself in the bathroom with her father’s rifle and cried. With no history of mental illness, depression or indication of suicidal tendencies, she put the barrel of the rifle under her chin and pulled the trigger.

But Katie did not die.

Her brother found her in a pool of blood, her face blown off from the blast. She was rushed to the hospital and stabilized. When the local medical community could do no more she was sent to the Cleveland Clinic.

I encourage you to read the September 2018 issue of National Geographic. Katie’s story is powerful and moving. Katie does get a face transplant from a woman who died of an overdose. The story cuts a wide wound in here (pointing to my chest). The words that stuck with me the most in the article were uttered by Katie’s mother, Alesia, “It was one moment. One moment, 20 seconds, changed our lives.”

Duty of the FI/RE2 Community

You would think a community of people well on their way toward financial independence would not have money problems so severe they would contemplate suicide. Unfortunately, many people who come to this community have had a traumatic life experience that forced them to reevaluate. These people are at risk of tripping over the cliff. Bloggers, podcasters and YouTubers of the community must always be cognizant of the people they serve lest they discover one day a promising life was ended because we took FI for granted.

September is Suicide Awareness and Prevention Month. Debt is a leading cause of suicide. Debt help is available. Debt free. Debt freedom. Debt snowball. IRS debt. #wealthyaccountant #debt #suicide #suicideawareness #suicideprevention #debtsnowball #debtfree #irsdebtEveryone is carrying a burden! Money can provide comfort and options in life, but it doesn’t change the strain of a serious medical situation. Divorce rips a family apart and the kids suffer most. Money will not salve that wound.

And mental health is a serious medical issue that money does not magically fix. Yes, wealth allows for most, if not all, medical options. Still, the depression can strike anyone at any time. Instead of shaking our heads and wondering why when we hear a person with financial independence and enjoying and early retirement puts a gun to their head, we should remember money didn’t make them sick; a medical condition did.

Maybe you’re lucky and don’t have depression. As a member of this community you are morally bound to help others who do suffer. Your wealth is not an invitation to unrestrained hedonism. When we see a fallen soul we are duty-bound to help. Like the military, we don’t leave one of our own on the battlefield.

Watchful Eyes

Nobody saw it coming when Katie Stubblefield snapped. There were signs in afterthought, but nothing anybody could have recognized. And that can happen. A singular event can trigger a massive negative response. It is hard to understand what can make us feel helpless and unwilling to continue on.

Fortunately, most people tell us they are walking into the dark. We must keep our eyes and ears open for the warning signs. Significant loss is a leading reason people tumble into the darkness. Depression can rear its ugly head for the first time after the loss of a loved one. Being shunned by people you love and respect can wreck devastation on the psyche.

I’ve been around this crowd long enough to know a few struggle with a heavy burden. Even our kind-hearted and fearless leader, Melanie, has struggled. She put debt behind her and discovered how deep the despair many feel with insurmountable financial problems. Melanie also suffered the loss of a loved one after a relatively long relationship. He decided to go his own way. I can’t imagine her pain. Still, I listen from a distance (mostly her online comments) for hints of trouble. Those closest to her should be even more vigilant.

As a community we are very fortunate. Even if we are deep in debt and taking our first steps toward freedom we are incredibly blessed! No matter how difficult the road ahead may seem, we know we don’t walk alone. There are numerous souls who have gone before willing to help, willing to lend a hand, to pull you up, to help you stand tall and straight.

Luck has Nothing to do with It

Katie did not get lucky. If she were lucky she would never have put the gun to her head. She will get a new lease on life. It will be anything but easy. The medical challenges ahead will never cease. After four years she finally has a face. The surgeries and pain and struggle will be relentless and unending. Building FI is similar in many ways. We work hard, save, invest and care deeply.

September is Suicide Awareness and Prevention Month. Debt is a leading cause of suicide. Debt help is available. Debt free. Debt freedom. Debt snowball. IRS debt. Depression and mental health. #wealthyaccountant #debt #suicide #suicideawareness #suicideprevention #debtsnowball #debtfree #irsdebt #depressionPeople suffer for many reasons. Usually we can keep the demons under control. But everyone has a breaking point. Push hard enough far enough and the darkness wins. You can’t step back from the darkness alone. It is like a black hole with infinite power to draw you in.  If you ever reach that point, pray someone with the courage and the heart grabs you from behind and pulls you to safety.  No matter how much money you have or don’t have will make no difference.

The gun in Katie’s hands didn’t ask about her financial situation. The one bout of depression she had took control and changed her life forever. It is nothing short of a miracle she didn’t die that fateful day. Her family never left her side as she fought and still fights for life. The doctors worked miracles and have never stopped working to give Katie the life she deserves.

The only way any of us are safe from the darkness is if we all are committed to helping anyone at the brink. It is the only thing that makes us human; the true meaning of wealth; what it means to truly be financially independent.

 

Please, if you are suffering depression or suicidal thoughts, call either a local crisis hot line or the National Suicide Prevention Lifeline at 1-800-273-TALK (8255). The National Suicide Prevention Lifeline is available 24/7, is confidential and free.

 

You are not in this alone.

 

1 National Geographic Magazine, September 2018, Page 89

2 Financial Independence/Early Retirement

 

Resources

National Suicide Prevention Lifeline

Call 1-800-273-8255

Crisis Text Line — Text HOME to 741741

American Foundation for Suicide Prevention

Project Semicolon

CNQR

Open Path Collective — affordable therapy. You can also check your local college to see if their graduate program in counseling offers discounted sessions.

Debtors Anonymous

 

More Wealth Building Resources

Personal Capital is an incredible tool to manage all your investments in one place. You can watch your net worth grow as you reach toward financial independence and beyond. Did I mention Personal Capital is free?

Side Hustle Selling tradelines yields a high return compared to time invested, as much as $1,000 per hour. The tradeline company I use is Tradeline Supply Company. Let Darren know you are from The Wealthy Accountant. Call 888-844-8910, email Darren@TradelineSupply.com or read my review.

Medi-Share is a low cost way to manage health care costs. As health insurance premiums continue to sky rocket, there is an alternative preserving the wealth of families all over America. Here is my review of Medi-Share and additional resources to bring health care under control in your household.

QuickBooks is a daily part of life in my office. Managing a business requires accurate books without wasting time. QuickBooks is an excellent tool for managing your business, rental properties, side hustle and personal finances.

A cost segregation study can save $100,000 for income property owners. Here is my review of how cost segregation studies work and how to get one yourself.

Worthy Financial offers a flat 5% on their investment. You can read my review here. 

Our Heroes Have Failed Us

Anthony Bourdain and Kate Spade were ripped from our lives in the past week in what early reports suggests are suicides. Robin Williams is another star extinguished before his time.

Kevin Spacey betrayed our trust along with a litany of actors and producers and comedians. It seems like an endless parade of successful men ran to the cliff like lemmings bent on self destruction.

Liz Taylor entertained us for decades. As a role model she left us with issues. Marriages came and went until she reached eight husbands over her lifetime. We see the same behavior today without the distraction of marriage in our modern starlets. Adored musicians race from one bed to the next until the world crashes in.

Closer to home we see bloggers and podcasters who failed us. Some crack under pressure while others lose themselves in drugs and cheap whisky. We idolize these people and want to be like them. Then, when we get a closer look, they have warts like the rest of us.

Friends and even parents can let us down. The perfect marriage collapses and nobody can figure out why. We watch as people we admire undertake destructive behavior. At some level it is entertaining. Deep down we know it ends badly.

We want our heroes to live forever. We want their example to help us live a better life. We want them to entertain us the way we remembered them at the height of their career.

Then something horrible goes wrong as we discover the emperor has no clothes.

Out of Left Field

Professionals who work with a lot of people for long periods of time start noticing patterns. In all the years I’ve been in practice only two clients ever surprised me with their divorce. In both cases I liked my client too much to see the forest from the trees. All the telltale signs were there to see if only I opened my eyes. A third case is impending. I didn’t see it coming, but it isn’t good.

My track record is pretty good. I can tell you within a few minutes of seeing a new client if their marriage or business will last and about how long it’ll last or how much wealth they’ll amass. Then I swing and catch air once every decade or so.

I’m not alone in this unique talent. Clients who are therapists tell me they tell the same thing, which begs the question: If I can see so clearly who will and will not succeed, why don’t I tell them so they can avoid the pain?

If only it were so easy! When it comes to financial matters I do speak up. I am brutally honest with clients contemplating an investment or planning a business venture. It’s rare, but I’ve helped clients I noticed were teetering on the emotional edge by recommending appropriate help. That is easy compared to telling a client their marriage doesn’t stand a chance in hell.

Two divorces surprised me. Not every client I had concerns over actually divorced (yet)! Investments are easy to advise on compared to interpersonal relationships. It’s not my place to warn clients they might not have a strong relationship.

Never Ending Failures

How can super successful people like Anthony Bourdain feel so low they feel the need to end their life? How can a loved rock star sink into drugs and other illicit behavior sure to destroy their career and health?

We can explain away the tragedy by blaming depression or other mental illness.  While I give credence to the explanation, I think a lot more is going on under the hood. Mental illness isn’t a good explanation for why a football mega star is caught beating his girlfriend in a public elevator. Mental illness doesn’t explain why seemingly good people turn dark when they become celebrities.

There s another explanation I want to explore.

Why Good People Do Bad Things

I notice something many people fail to realize: our heroes are normal people thrust into extraordinary circumstances. The international rock star, sports phenom, bestselling author, Hollywood celebrities and even bloggers are real people who were once something else.

Anthony Bourdain wasn’t always there helping us connect with food. Before he became a household name he was something else. Before fame he was a student and before that a child and before that an infant curious about the world around him. Something happened between then and here to cause him to take his own life. What could possibly have gone wrong?

First, it is unlikely a single defining moment which turns people down the wrong path. It can be a single event (divorce, illness, death of a loved one), but usually it is an accumulation of events that leads to their demise. It happens slowly so people adjust and accept the new behavior. Only after the defining moment is it clear—as hindsight so often is—do we recognize the problem.

But the real problem is that these are normal people! The demands on them once they gain fame must be crushing. Hell, your favorite accountant bends under pressure that wouldn’t even register on the scale real celebrities use just running a small business.

Another thing I’ve noticed is how small these people are in real life. Have you ever discovered an author, actor, musician or blogger you really connect with? Of course! Everyone has. We build up an impression of who and what these people are. Then we meet them in real life and they seem so small, so . . .  like everyone else, sans the press of people wanting their attention. Our heroes are frequently underwhelming when seen in real life. They are the furthest thing from a superhero. They just belt out blog posts or books, or act in movies or sing really good. Otherwise they are just like you and me.

Can We Help the People We Admire Survive?

Perception is what drives people to act the way they do. After the Plutus Award ceremony last year where this blog won the Best New Personal Finance Blog of the Year a few of us talked before heading to the party. Congratulations went around as we drank in the moment.

As we prepared to attend the after ceremony party a few in our group felt good about so many people seeing our work. I plagiarized an author I met in Albany two decades ago at a sci-fi convention when I said, “If you walk outside this hotel and ask random people if they know what a Plutus Award is nobody will know what you are talking about.”

That’s the truth of the matter. People inside the demographic might know what a Plutus Award is, but virtually nobody outside the demographic will have a clue. It brings it all back into perspective.

Later this week there is a ChooseFI meetup in Appleton. I was invited to attend. (I’ll be there.) The host mentioned they needed a celebrity to draw more people. I asked who the celebrity they were thinking of inviting. Then it hit me. They meant me! I was flattered as all get-out. But I don’t feel like a celebrity. And in the real world I’m not. But if you love my work and read it regularly you might have a perception I’m some bigger than life individual. I’m not.

Real celebrities are constantly on the go. Travel is hell even when you are on vacation. To be on the road the way Bourdain was had to have been painful (and lonely).

The worst part of popularity is the demands on time. People think they know you because they see your work. No harm is meant when they seek interaction. When the flow is manageable I love the recognition. When the water runs too fast I start drowning.

I never met an author who didn’t enjoy shaking hands and autographing her books. I never met a blogger who didn’t love talking shop and sharing ideas. Really, really famous people are different. Twenty people at a meetup or conference is a manageable group to communicate with. The press of thousands is destabilizing.

We can help our heroes. They are normal people who happened to strike a chord with a vast audience. They went viral so to speak. Books, songs, movies and blog posts all enjoy going viral. The more the better. But time is limited so a viral song or movie can push us to the extreme when it happens.

There are no excuses for what Kevin Spacey did. We can’t condone violence from our heroes. But we have to ask ourselves why so many of our heroes, people who have it all, fail so often. Personally, I think they crack under pressure. I for one would never withstand such an assault! In varying degrees none of our heroes do either. Fame always extracts a cost.

There is nothing wrong with admiring our heroes and role models. We must always be respectful of their time and wishes as it relates to their personal time. We can’t fix our heroes; they have to do that on their own. Support is always welcome, however, when it is unattached to a time demand.

Fame isn’t glorious. Even on a micro scale—the way a local businessperson sees the world—it is demanding. A modestly successful blogger gets several requests per day. People want a piece of you long before you do anything really big.

Many goals require acknowledgement to succeed. As a blogger I want traffic to justify my writing efforts. Traffic means more people will be interested in who this character is writing the blog. It’s natural to want to meet people who have shaped our lives.

Our heroes are normal people known by many. When you see a master at work it is clear they have given their life for their craft. Anthony Bourdain literally did.

Mrs. Accountant and my girls are sacred. I would give a lot for success in my business and this blog. If the price includes any harm to my girls I’d walk in a heartbeat.

But it happens so slowly, building over time, you probably never see it coming. Heroes need more than our admiration; they need our support. When we see one of our heroes, role models, begin to waver we need to take action. Most of us had no ability to help Bourdain. But there are people around you who may need your help: role models, heroes, parents, friends, our children. It is your responsibility to be the hero, the role model, when they do.

Wealth Building Resources

Personal Capital is an incredible tool to manage all your investments in one place. You can watch your net worth grow as you reach toward financial independence and beyond. Did I mention Personal Capital is free?

Medi-Share is a low cost way to manage health care costs. As health insurance premiums continue to sky rocket, there is an alternative preserving the wealth of families all over America. Here is my review of Medi-Share and additional resources to bring health care under control in your household.

QuickBooks is a daily part of life in my office. Managing a business requires accurate books without wasting time. Quickbooks is an excellent tool for managing your business, rental properties, side hustle and personal finances.

A cost segregation study can save $100,000 for income property owners. Here is my review of how cost segregation studies work and how to get one yourself.

Worthy Financial offers a flat 5% on their investment. You can read my review here.