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What is an IRA and How Does it Work

What is an IRA?

An individual retirement account (IRA) is a tax-advantaged account that allows individuals to save and invest for retirement. Unlike a 401(k), this type of account can be created individually without employer sponsorship. However, you can still have an IRA even if you have a retirement plan through your employer.

You can open an IRA through a bank or other financial institution, a personal broker, or an online brokerage. 

Key Takeaways

  • An IRA is a tax-advantaged retirement account available to individuals and small businesses.
  • There are several types of IRAs: traditional, Roth, Rollover, SIMPLE, and SEP.
  • Annual contribution limitations apply to all types of IRAs.
  • You can have an IRA in addition to a 401(k).

How does an IRA work?

Anyone with earned income can open an IRA. You may have an IRA in addition to an employer’s 401(k) or other retirement plan. An IRA works by investing the money saved in the account in various financial products, such as stocks, bonds, exchange-traded funds (ETFs), and mutual funds. There are several types of IRAs, and the rules and tax advantages vary by type.  As always, there are income limitations on IRA eligibility.

Types of IRAs

Traditional IRA

Contributions to a traditional IRA are generally tax-deductible, meaning if you contributed $2000 to your IRA in one year, your taxable income would decrease by that amount.

Your contributions then grow on a tax-deferred basis, meaning when you withdraw in retirement, you will be taxed at your regular income tax rate for that year. All IRAs have annual contribution limits. These income limits change yearly and can be found on the IRS website here.

Roth IRA

Roth IRA contributions are not tax-deductible, but the distributions taken once in retirement are tax-free. This means you contribute to a Roth IRA with post-tax income, and do not pay any further taxes, even on investment gains. 

Additionally, Roth IRAs do not have required minimum distributions (RMDs), so if you do not need the money at the start of retirement, you can leave it in the account where it can grow tax-free. 

Rollover IRA

A rollover IRA is designed to hold funds transferred from an employer-sponsored retirement fund. This allows you to consolidate savings from past jobs into one account.  

When done correctly, you can avoid immediate taxes and early withdrawal penalties you may have faced for simply taking the funds out of the original account. This may not apply if, for example, you roll over a traditional 401(k) into a Roth IRA. It is best to consult a professional to avoid penalties or unexpected taxes, especially if your account has a high balance.

SIMPLE IRA

A SIMPLE (Savings Incentive Match Plan for Employees) IRA allows small businesses to offer a retirement matching plan for employees, as they do not have the high start-up and operating costs of traditional retirement plans. Companies with 100 or fewer employees generally use it. 

Currently, the employer is required to either:

  1. Match contributions up to 3% of employee compensation, or
  2. Provide a 2% non-elective contribution for each eligible employee. This means that even if the employee chooses not to contribute to the IRA, the employer still must make contributions of 2% of the employee’s annual income, up to the yearly limit.

Contribution limits change by year, so it is best to check the IRS website for updated information.

SEP IRA

A SEP (Simplified Employee Pension) IRA allows employers to contribute to a traditional IRA set up for employees. Any business, regardless of size, or anyone self-employed may have an SEP IRA. A SEP IRA is funded only through employer contributions, and the employer must contribute equal percentages of income for all eligible employees.

Business owners (or yourself, if self-employed) may deduct contributions for tax purposes. Withdrawals from SEP IRAs are taxed as regular income.

IRA Benefits

An IRA offers a flexible and tax-advantaged way to save for retirement. There are several benefits. You can have an IRA and an employer plan, allowing for more tax-advantaged annual savings. They provide small businesses with retirement planning options, as SIMPLE and SEP IRAs do not come with the hefty fees and start-up costs of traditional plans.

IRAs also allow self-employed individuals to access the tax advantages of retirement accounts. 

Contribution Limitations 

All IRAs come with annual contribution limits. These limits change, but for 2024 and 2025, the current limits are no more than $7,000 ($8,000 if over age 50) or, if your income is less than that, your taxable compensation for the year. 

How to Open an IRA

You can open an IRA through an online brokerage, mutual fund company, or bank. Where to open an IRA depends on your individual needs. 

Bottom Line

IRAs are an important tool in retirement planning. If you are unsure what your best choice is, Horizons Wealth Management can help advise you with fee-only financial services. As fiduciaries, we focus on client-centered relationships that will give you peace of mind on your financial journey. 

Individual Retirement Account FAQ

What does “IRA” stand for?

IRA stands for Individual Retirement Account.

Can you lose money in an IRA?

It is possible, given a diversified portfolio.

How much does it cost to start an IRA?

Opening an IRA does not cost anything, but some require a minimum initial deposit. Some brokers charge trading commissions, or if you invest in mutual funds or ETFs, you’ll have to pay an expense ratio. However, these fees are generally not very high.

Is an IRA or 401(k) better?

An IRA is not better than a 401(k), just different. You may have an IRA in addition to a 401(k). If you do not have access to a 401(k) or similar plan because your employer does not offer one, or you are self-employed, an IRA is a good choice.

Are there age restrictions to open an IRA?

There is no minimum age to open an IRA. However, a parent must open a custodial account for a minor until the child is 18 and they still need earned income.

What is the best way to grow an IRA?

The best way to ensure growth in an IRA is to begin investing as early as possible, so the funds have the most time to grow before retirement. As long as IRA investments are diversified, it is unlikely to incur a loss.

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Guide to Retirement Accounts

Planning for retirement can be daunting. According to a 2025 Gallup survey, 40% of Americans report having no money invested in a retirement savings plan, and Social Security alone cannot provide sufficient retirement income. To ensure a comfortable retirement, it is essential to understand your retirement investment options and create a personalized plan.

Key Takeaways

  • Mutual funds, index funds, target-date funds, and exchange-traded funds are all types of pooled investments frequently used in retirement accounts.
  • Investing and planning for retirement is necessary to maintain pre-retirement income.
  • Diversified funds are useful to mitigate risk.
  • A financial advisor can be a valuable resource in navigating the complexities of retirement planning.  

How Should I Save for Retirement? 

Many do not realize they must choose where their money will be invested when contributing to retirement accounts. Several types of investment funds can be held within retirement accounts. Understanding the available options is crucial to maximizing your savings.

Target Date Funds

A target-date fund is an investment option that adjusts its asset allocation over time, starting with higher-risk investments and becoming more conservative as the investor approaches retirement age. Portfolio managers employ a long-term strategy of investing the fund in riskier stocks in the early years, and shifting to more stable assets such as bonds in the later years. 

Because these funds require more oversight, they frequently come with higher fees than other passive investments. However, active management allows for a hands-off approach to retirement investing and is suitable for those who prefer not to manage their own portfolios.  

Mutual Funds

A mutual fund pools money from many investors, then invests the money in stocks, bonds, other assets and securities, or a combination of those options. The combined holdings the fund owns are known as the portfolio, and each mutual fund share represents a partial ownership of the fund’s portfolio. 

Like individual stocks or bonds, a mutual fund is a type of investment you can purchase. A retirement account is not a mutual fund itself, but the account that holds the mutual fund. There are other ways to invest in mutual funds, but doing so through retirement accounts can help alleviate your tax burden. Money contributed to retirement accounts, such as 401(k) plans and individual retirement accounts (IRAs), is most frequently invested in mutual funds. 

Index Funds

An index fund is a type of mutual fund or exchange-traded fund designed to track the performance of a market index, such as the S&P 500. Some index funds invest in all of the securities in a market index, while others invest only in a sample assortment of securities included in the market index.

ETFs

Similar to mutual funds, exchange-traded funds (ETFs) are a type of investment that pools multiple assets rather than just one, but are purchased and sold as individual products. The primary difference is that ETFs are traded throughout the day, similar to stocks, whereas mutual funds are traded once per day at market close.

ETFs are sometimes preferred due to their trading flexibility and lower fees; however, while mutual funds tend to have higher costs, they offer more in-depth professional management. ETFs can also provide more tax advantages, as investors only pay capital gains tax when selling the shares.

Why Diversifying Your Investments Matters

Diversifying your portfolio means spreading your investments across asset classes and investment types. This is done to reduce risk, as diversity across investments means you won’t incur detrimental loss due to the poor performance of an individual stock or other asset. 

Target date, mutual fund, index, and exchange-traded funds offer diversification without the need to buy and sell hundreds of individual assets. These investment options make diversification much easier for the average person since the funds are spread across hundreds or even thousands of different investments without the individual having to choose and purchase them separately. 

Without diversification, you risk losing your invested money by putting all your eggs into one basket, which could set you back significantly when planning for retirement. Some people choose to take on more risk in investments when they’re younger and shift to more conservative options as they approach retirement age.

How much should you save for retirement?

It is generally recommended to save 10-15% of your income for retirement. This amount includes employer-matched contributions and assumes a starting age of 25 and retirement age of 67. The earlier you begin saving for retirement, the lower the percentage of your annual income needed. 

For example, the recommended 15% is based on the assumption of saving and working from the ages of 25 to 67. If you did not begin saving for retirement until age 35, you would need to save around 23% of your annual income. It is also important to consider that these are just average suggestions, and the amount you need to save can differ depending on individual circumstances. 

How can a financial advisor help?

A financial advisor can help you stay on track for retirement by considering your individual needs and guiding you through important decisions, enabling you to maximize your retirement income and minimize taxes with a strategy that maintains your lifestyle. Financial advisors are particularly beneficial for individuals with complex financial situations or a high net worth.

Proper retirement planning analyzes Social Security benefits, tax-advantaged withdrawal strategies, healthcare costs, and longevity risk to ensure you can enjoy retirement without financial stress. 

Bottom Line

Knowing what to invest your retirement account contributions in can be a confusing decision. There are several types of funds, each with its own considerations. Horizons Wealth Management’s financial planning services can help you make informed decisions and develop a personalized retirement plan tailored to your goals.

Retirement Investment FAQ

What is a good monthly retirement income?

Generally, it is recommended that your retirement income be 80-100% of your pre-retirement income.

Are pooled funds required to save for retirement?

While they aren’t required, many prefer to invest in pooled funds for retirement investing as they incur less risk than putting large amounts of money in individual stocks. These funds also enable a more hands-off approach compared to the constant oversight required for personal investments. 

Is it better to have someone manage my investments?

Managing your own retirement investments can quickly become overwhelming and time-consuming. Hiring a professional can alleviate that stress and provide you with insight into options you may not have been aware of otherwise.

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What is an Index Fund and How Does it Work?

how to invest in index funds

Index funds provide investors with a low-cost way to invest their funds across a diverse subset of stocks and bonds. Used correctly, they can be a reliable part of a healthy overall investment strategy.

Key Takeaways

  • Index funds are portfolios of investments focused on a specific market or sector of a market rather than individual companies.
  • There are many different types of index funds focused on everything from company size to where the market is located to how the targeted businesses conduct their operations.
  • Generally speaking, index funds are relatively low-cost ways to passively grow your wealth.
  • While index funds are usually a way for investors to increase their wealth, those seeking faster growth or larger gains might want to supplement their investments with some actively managed funds or stock portfolios.

What is an Index Fund?

An index fund is an investment tool designed to provide consistent growth by diversifying an investor’s assets. 

Index funds are set up to provide a reasonable cross-section of a given market index in hopes that the fund’s growth will mimic the index on which it is based. Market indices, like the Dow Jones Industrial Average or the Nasdaq Composite, will fluctuate over time and as they do, index funds composed of stocks and bonds monitored by the chosen index will mirror those changes.

Common Types of Index Funds

There are a wide variety of index funds available tailored to investors’ goals and preferences. These might be organized by the types of businesses referenced by the fund, their size, or any number of other criteria that fund managers use.x

  • Broad Market – Broad market index funds cast the widest net, with the goal of the fund being to mirror all of the stocks and bonds in the chosen index as closely as possible.
  • Sector – Rather than mirroring an index like the S&P 500, sector index funds focus on a specific type of business. A healthcare index fund, for instance, would focus on investing in a diverse subset of companies in the medical field.
  • Domestic – Domestic index funds are focused on stocks and bonds related to a single country. In the United States, commonly monitored indices include the S&P 500 and the Nasdaq Composite.
  • International – International index funds provide a relatively low-risk and low-cost entry point to investing in global markets. Because index funds look at a broad swath of a market, it’s less necessary to have extremely specific knowledge of another country’s business environment before investing.
  • Bond – Not all index funds are focused on businesses and stocks. Bond index funds allow individuals to invest in the overall bond market in a given country using an index setup similar to those tracking corporate entities. One of the most popular is the Barclays Aggregate U.S. Bond Index.
  • Dividend – Dividend indices track companies that pay dividends to their investors. Rather than investing in the companies individually, investors can choose to put their money into an index fund that tracks those companies and pays out a proportional share of the dividends to its investors.

Index Fund Benefits

Index funds provide a large number of benefits to investors, including increased simplicity and lower costs. They are often lauded as simple, passive forms of wealth generation for those who invest in them.

Reduced Costs

Because index funds are set up to passively adhere to the fluctuations in a given market or sector of a market, they require less maintenance. There are fewer decisions to be made over time, and so they need fewer people managing them, bringing overhead down.

Reduced Risk

Index funds rely on diversification to provide diversified, consistent growth over time. While investing in individual companies can yield high returns, you are also at the mercy of any drastic changes at the business or in how the market views a particular entity. With a diversified set of investments provided by an index fund, investors are largely insulated from these risks.

Reduced Taxes

When investors buy and sell stocks and bonds, they’re required to pay capital gains tax on the proceeds of the sale. With a static set of investments based on a market index, there are fewer sales taking place and consequently fewer capital gains taxes being assessed. This type of stability gives index funds what’s known as “low turnover.”

Reduced Human Error/Bias

When an investor gets a hot tip, or even just a hunch, it can go several different ways. While it may be possible to predict certain market events, it’s just as likely that the prediction will sour and the investor will lose out. Index funds take this human element out of your investment strategy by spreading your money across so many individual investment vehicles.

Drawbacks of Index Funds

While index funds can provide great results for many investors, they’re not always the perfect solution for everyone. And, as with any type of investment, it’s important to diversify your choices as much as possible.

Lack of Flexibility

Index funds might not be the best option for investors who love the thrill of the chase, as their structure prevents people from tracking them from jumping on high-risk, high-reward opportunities. While they tend to show steady growth over time, your money is tied to these indices, regardless of what happens in the given market or sector they track.

Tracking Errors

Index funds are set up to mirror a market as closely as possible, but there will always be slight inconsistencies between the performance of a fund and the actual market it reflects. These errors can lead to short-term losses or missed opportunities for investors at times. 

Large Company Bias

Many market indices are focused on large, well-established companies rather than smaller organizations with significant room to grow. This means investing solely in index funds could leave investors out of great opportunities relating to new, quickly growing businesses.

Lack of Downside Protection

Index funds generally perform well over time, but all markets can experience short-term volatility. When a market or industry takes a major hit, that will be reflected in your index fund investments.

How to Invest in an Index Fund

Investing in an index fund is similar to buying individual stocks through a brokerage account. Most major platforms—such as Vanguard, Fidelity, or Schwab—offer a wide range of index funds that track benchmarks like the S&P 500 or total market indexes.

General Process

  1. Open a Brokerage Account – Choose a platform that offers index funds and set up your account.
  2. Fund Your Account – Transfer money into your brokerage to start investing.
  3. Pick an Index Fund – Search by name or ticker symbol. Check the fund’s performance and expense ratio.
  4. Make a Purchase – Place a buy order just like you would with a stock.
  5. Automate if You Want – Set up recurring investments or use a robo-advisor to manage it for you.

To determine the best course of action for your financial goals, consult a financial professional. Horizons Wealth Management provides a full range of financial planning services to help you make informed, confident investment decisions.

Bottom Line

Index funds provide a low-cost, diversified way to invest passively and grow wealth steadily over time. While generally safer and simpler than picking individual stocks, they may lack flexibility and expose you to broad market risks. For a tailored investment strategy, consider combining index funds with other options and consult financial experts like Horizons Wealth Management for personalized financial guidance.

Index Fund FAQ

Are index funds a good investment?

Just like any investment strategy, it depends largely on what the investor’s goals and preferences are. Index funds are a good fit for anyone seeking a low-cost entry into investing in a certain market or industry.

Is the S&P 500 an index fund?

The S&P 500 is a market index that specifically tracks 500 or so of the largest publicly traded companies in the United States. This market index is the basis for certain index funds.

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Greenville Golf Courses – 2025 Guide

Man playing golf

Key Takeaways

  • Golfers seeking a luxury experience will enjoy the courses at Cherokee Valley Club and the Preserve at Verdae
  • 3’s Greenville hosts a short, 12-hole layout designed to suit a relaxed, casual playstyle for beginners and experienced golfers seeking a different type of round
  • Quiet, affordable courses can be found in many of the small towns immediately outside of Greenville proper, including Greer Golf, Lakeview Golf Club and Carolina Springs Golf Club

Best golf courses in Greenville, SC

The convenient location, temperate weather and natural beauty of the South Carolina Upstate makes Greenville, SC one of the best places to grab a round of golf in the southeastern United States. 

Greenville and the surrounding area are home to many exceptional courses, from laidback par-3 outings to championship-caliber luxury courses. No matter what sort of golfer you might be, Greenville has a course for you.

Cherokee Valley Club

Just 40 minutes north of downtown Greenville, Cherokee Valley Club offers a world-class golf experience as just one of the many amenities available to members and their guests. In addition to a 6,728-yard, par 72 course designed by esteemed course developer P.B. Dye, Cherokee Valley offers a spacious outdoor pool area and fitness club as part of its membership plans. The club also offers on-site dining at its full-service restaurant, Core 450.

  • Location:  450 Cherokee Valley Way, Travelers Rest, SC 29690
  • Daily Rates: Mon.-Thu.: $55/person, Fri.-Sun.: $70/person
  • Interesting Features: Outdoor pool, fitness club, “Stay and Play” cottages

3’s Greenville Golf

3’s Greenville offers a casual take on “a good walk spoiled,” with an entirely walkable 12-hole par-3 course and an 18-hole “humps and bumps” putting course for visitors to enjoy. Accessibility is the name of the game at 3’s, with shorter holes and laid-back attitudes opening the door for newer golfers and more seasoned players seeking a fun, relaxed atmosphere. Stop by the Grubhouse before or after your round for a meal or a drink with friends and family.

  • Location: 61 Villa Rd, Greenville, SC 29615 
  • Daily Rates: 
    • 12-hole course: Mon.-Thu.: $30/person, Fri.-Sun.: $34/person
    • 18-hole putting course: $9/round, $19 all-day pass
  • Interesting Features: Short and accessible holes, relaxed atmosphere, specialty putting course

Preserve at Verdae

The Preserve at Verdae is a championship-caliber course, used by the PGA for nine years on the Nationwide Tour. The course abuts the Embassy Suites Greenville Golf Resort and Conference Center, and is located just a few miles from the Greenville airport. Beyond the immaculately maintained par 72 course, the Preserve offers a wide range of practice and instruction opportunities with PGA professionals on its driving range, putting green and chipping green.

  • Location: 650 Verdae Blvd, Greenville, SC 29607
  • Daily Rates: Mon.-Thu.: $65/person, Fri.-Sun.:$75
  • Interesting Features: Main course featured on the PGA tour, extensive practice facilities, convenient to downtown Greenville and the regional airport

Furman University Golf Club

Located on the school’s campus, the Furman University Golf Club is a par 72 layout used by the college team and locals alike. The course has ranked highly on top course lists from Golfweek, Golf Digest and the South Carolina Golf Ratings Panel, and has also been designated as a PGA Family Course.

  • Location: 400 N Hwy 25 Bypass, Greenville, SC 29617
  • Daily Rates: Mon.-Fri.: $43/person, Sat.-Sun.: $73/person
  • Interesting Features: Quiet, wooded surroundings, convenient to on-campus events and amenities

Paris Mountain Country Club

Paris Mountain Country Club has a family-oriented approach to the game of golf, encouraging multi-generational rounds on its 18-hole layout. The club, founded in 1938 by the Upstate’s own J.P. Traynham, features an outdoor pool, pro shop, driving range and on-site restaurant in addition to its locally renowned course.

  • Location: 301 Old Rockhouse Rd, Greenville, SC 29609
  • Daily Rates: Mon.-Fri.: $43/person, Sat.-Sun.: $57/person
  • Interesting Features: Family-friendly, affordable, outdoor pool and driving range

Greer Golf

30 minutes northeast of Greenville lies the smaller city of Greer, home to a variety of fast-growing businesses and leisure opportunities for all ages and lifestyles. Greer Golf is situated on the site of one of the oldest golf courses in the area, originally developed in the mid-1950s. In 2020, the course was purchased by the city of Greer and received a major overhaul, updating the facilities and providing a quality golf experience amidst cozy surroundings.  

  • Location: 2299 Gap Creek Rd, Greer, SC 29651
  • Daily Rates: Mon.-Fri.: $20/person, Sat.-Sun.: $26/person
  • Interesting Features: Very affordable, historic course, convenient to Greer and areas east of Greenville

Pebble Creek Country Club

Pebble Creek Country Club boasts 27 holes of championship golf, guaranteeing a varied, exciting play experience in the scenic beauty of the Upstate. The course has been recently remodeled to modernize the facilities and capitalize on the area’s natural aesthetic.

  • Location: 101 Pebble Creek Dr, Taylors, SC 29687
  • Daily Rates: Mon.-Fri.: $42/person, Sat.-Sun.: $54/person
  • Interesting Features: 27 holes for varied layouts, recently updated, secluded and natural setting

Lakeview Golf Club

Just south of I-185 in Greenville, Lakeview Golf Club offers a straightforward, relaxing 18-hole course in a scenic natural setting. Those seeking a fun, affordable round with friends will find just what they’re looking for at Lakeview.

  • Location: 315 Piedmont Golf Course Rd, Piedmont, SC 29673
  • Daily Rates: Mon.-Thu.: $35/person, Fri.-Sun.: $42/person
  • Interesting Features: Quiet, relaxed environment, convenient to south Greenville 

Carolina Springs Golf Club

The championship course at Carolina Springs Golf Club was designed by architect Russell Breeden to be accessible to players of all ages and skill levels, while still providing a challenge to even the most experienced golfers. Built in 1968, the course has been a popular choice for golfers in the Upstate for decades.

  • Location: 1680 Scuffletown Rd, Fountain Inn, SC 29644
  • Daily Rates: Mon.-Fri.: $28/person, Sat.-Sun.: $35/person
  • Interesting Features: Very affordable, well-maintained, friendly staff

Great things to do in Greenville, SC

No matter where you book your round, you’ll find no shortage of culture, food and entertainment in Greenville after the 18th hole. Consider grabbing a bite to eat at one of Greenville’s many critically acclaimed international restaurants like the Trappe Door or Jianna, or get drinks at local favorites like the Rabbit Hole or the Cazbah.

If you aren’t too worn out after your round, you might enjoy taking advantage of the outdoor recreation opportunities for which the Upstate is famous. One of the most popular spots in the area is the Swamp Rabbit Trail, which winds for 28 miles across the greater Greenville area and has sections located close to many local golf courses.

Greenville is also home to numerous arts organizations and music venues, ranging from smaller haunts like the Radio Room to the sprawling multi-use Bon Secours Wellness Arena. 

Bottom Line

The South Carolina Upstate has become a haven for golfers over the past several decades, with an array of options suitable for everyone from total beginners and casual players to lifelong students of the game. No matter your lifestyle, skill level or budget, there’s a course located just a short drive from downtown Greenville that will exceed your expectations.

Horizons Wealth Management is here to help you as you settle into your new home in Greenville. We offer financial planning, wealth management, and portfolio management to help you grow your financial future.

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How Much Money You Need To Save Each Day To Become A Millionaire By Age 65

Becoming rich is nothing more than a matter of committing and sticking to a systematic savings and investment plan.

If you want to get rich, start investing- and start as early as you possibly can.

To illustrate the simplicity of building wealth over time, Bach created a chart detailing how much money you need to set aside each day, month, or year in order to have $1 million saved by the time you’re 65.

Next time you consider running to Starbucks for a $4 latte, think about this chart and consider redirecting that coffee cash to your savings.  Check it out here.

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Tony Robbins’ 10 Tips for Living Rich

If you want to be happy, but you’re having a tough time in life due to personal or financial issues, it’s important to take whatever steps possible — even small ones — to progress and grow.

This best-selling author’s advice has been featured prominently in magazines, digital media and in national televised media. He travels all over the country every month for events to inspire people in their lives and in business.

Click HERE for some of Tony’s top pieces of advice on how to change your mindset in ways that can have a positive impact on your life and your finances.

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How Cars Affect your Financial Freedom

It’s not that I don’t want a really fancy car, it is just that there is something I want a bit more: financial freedom. Car payments are many times the #1 obstacle that causes the average family not to achieve financial stability. Spend some time thinking about your current car situation.  Are your car purchases making your bank richer or you?

Here is a great read about “How Your Car Affects Your Financial Freedom.”

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The Best Revenge on an Ex-Husband: Building Wealth

With the help of a financial advisor, a divorcée bounces back.  Her advisor told her that the best way to get back at her ex-husband was to become extremely successful.  He was right.

Read full story here.

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10 Reasons You’re Not Rich Yet

No matter how much you earn you could be creating your own barriers to financial success without even knowing it. Here are 10 things you might be doing that are preventing you from achieving financial freedom.

Click here to read Money Magazine’s 10 Reasons You’ll Never Be Rich. 

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5 Secrets of Self-Made Millionaires

Money Magazine shares their research on the success secrets of self-made millionaires.

Click here to read more.

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