Manage Your Money

without the details

Manage Your Money

without the details

Teens should

  • Have a Part-Time job
  • Understand your paycheck
  • Get a checking account/Debit Card
  • Save 50% of your pay
  • Review your spending
  • Set goals like a car

College Students should

  • Work in the Summer
  • Balance fun and schoolwork
  • Understand your loans
  • Understand Credit Cards
  • Not Use Credit Cards
  • Research salaries in your areas of study
  • Save money in the summer

Young Adults should

  • Create a budget
  • Save 20% of your pay
  • Understand Credit & Scores
  • Not use Credit Cards
  • Create a buffer account
  • Understand overdraft fees
  • Save for a home
  • Start saving for retirement

Adults should

  • Use a budget
  • Understand Credit & Scores
  • Not use credit cards
  • Create a Buffer account
  • Create an emergency account
  • Save for a home
  • Save for retirement
  • Understand insurance
  • Have a Will and Estate Plan

Increase your wealth

Life is expensive! You need to save more money and get ahead without spending a lot of time or hiring someone else. No one will ever care about your money more than you!

Simple Advice

I share the information you need without the useless details. Manage and grow your own money. Keep your money for yourself!


  • Ditch Cable TV and Stream!! Save $100 - $150/Month.
  • Housing is your biggest expense! Either reduce the cost or make it an asset.
  • Save on Insurance by Increasing your deductible. Your Emergency Savings should cover it.
  • Plan your meals and use an app like AnyList. You'll save time and money.
  • Create a budget for spending money. Take out that cash and only use that cash to limit overspending with the debit card.
  • Try a different Grocery Store, it could save $50 - $100 per week
  • Learn to cook something new! You spend a lot of money eating out. And it will be less healthy.
  • If you go out to eat, drink less alcohol. The bill will be much less.
  • If you go out to eat, try an appetizer for a meal. Most of the time, the meal portion is too large.
  • Time is your biggest Asset. Someone that starts saving at 30 will never catch up to someone that starts at 20.
  • Save $395/Month for 45 Years in an Index fund. You'll have $1,000,000.
  • You only need to invest in an index fund with a low expense ratio to grow your retirement funds.
  • Stay away from individual Stocks unless you are committed to speculating (timing the market & gambling)
  • Go to to get the best rates on an online savings account. (don't provide your info)
  • Don't be fooled by Credit Card gimmicks like points, cash back, or expense tracking. You'll lose in the end and they know it.
  • You can call the credit card company and reduce your limit until you pay it off.
  • You can call most companies you pay bills to and move bill dates to a day that works for your monthly budget.
"My Husband and I used to fight all the time about Money. Then we just avoided it. Being organized and on top of things has made things better for us. Now it feels good when we review our money together!"

"Rich is very helpful and knowledgeable! I finally feel like I have my finances in order and a budget that works for me."

Rich | Financial Coach

Look, we should have been taught this stuff in school but we weren't. In order to get ahead these days you need to manage your money. The good news is that you only need to know a few things and spend a little time doing it. Everyone deserves to reach their success!

Save Money by setting a Christmas Budget!

Use a Buffer account instead of Emergency Savings

My Market Basket Grocery List Template

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My podcast is available on all streaming platforms. I aim for short episodes that will you save you time and Money! All we need is simple financial advice to improve our life. I believe we all deserve the financial tools we need to succeed.

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