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© 2023 by Phil Steer . Proudly created with Wix.com

May 23, 2019

Assets - Liabilities = Net Worth.  Sounds simple, but not so fast!  I speak to a lot of people, that don't understand the concept, nor the importance, of knowing their net worth.  It may be scary, but you have to know these numbers.  What is classified as an asset?  Wh...

May 23, 2019

I was just pondering over how what we do today has such a large effect on what happens to us in the future, and I remembered something.

The year was 1995.  I'm a first year teacher.  Fresh out of college and eager.  There is a life insurance agent who is coming around t...

May 15, 2019

I took an $80 camera, a laptop, an idea, and some desire, and created a debt-free online business that to this date, has sales of nearly $100K. All of this on a part-time basis of no more than 15 hours a week

April 17, 2019

Live well below your means - Spend less, develop cheaper taste, and dramatically cut your expenses.