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I used to dream of “financial freedom”… having so much money that I could just do whatever I wanted, travel the world, give money abundantly to causes and people in need.

I invested in lots of business programs that sold me on that dream.

Eventually I realized two things…

(1) The ones selling the dreams were the ones getting rich… not those of us buying into the programs.  (Unless we also joined their ranks, and sold dreams of easy and big mone…

Someone asked what I thought about paying $20,000 per year for a business coach…  

Of course, it’s fine if you’re having a very worthwhile experience, and if you are gradually paying for it. My concern is when you’re paying a large sum and the coach is new to you, yet promising you the sun, the moon, and the stars.

Many of us idealistic business owners are easily taken by big promises from authoritative-looking coaches. We can end up wasting tho…

A reader asked:

 “We often hear that we only commit to things we pay a dear price for. Today a coach tried to sell me a £20k program to work with him 1-o-1, weekly sessions for a year. And he justifies the price with the need to commit: if you pay for a cheap service you won't be so likely to commit to change.

As a healer, I wonder if selling high price packages might actually help my clients stick with my healing programs instead of being distracted by the next thing they find online.

​Cryptocurrency is a gamble. The stock market is volatile. Shockingly, even bonds don’t feel safe anymore.

The best investment for most of us is – and has always been – in improving our own monetizable skills.

You will never have to worry about ups and downs. It’s always valuable. It’s the highest sustainable return on investment in money and in your personal growth. Win-win.

I wrote in December 2017, at the height of that Bitcoin bubble, about why I’m not investing in cryptocurrency. I still agree…