Category Archives for "Finances & Careers"

3 Key Changes I Made to Be a Better Husband, Dad & Businessman in 2016…and Why I’m Starting Over

By Dustin | Finances & Careers

3 Key Changes I Made to Be a Better Husband, Dad & BusinessmanStressed. Overwhelmed. Disconnected.

Those are a few of the feelings that described me towards the end of last year.

For a guy who prides himself as “having it all together” and helping others to be more effective leaders, this was really troubling.

I couldn’t concentrate on anything fully, and I felt like I could never catch up with my engineering work, Engaged Marriage, my fitness and (worst of all) my home life.

Can you relate to feeling SO busy that you struggle to enjoy the people and projects that you care the most about?

It was pretty terrible, and I knew that something had to change.

Looking Back (Not Fun)

I took off a few days around Christmas with the hopes that I’d be able to clear my head.

No dice.

As I reflected back on 2015, there were definitely lots of successes and things to be proud about.

But I knew I fell short in many ways, too.  Not just in business but in my connection to Bethany and our three kids.

Plus, the extra 20 pounds around my waist was feeling especially heavy.

I pulled out my trusty Moleskine journal and took a look at the Big Plans I had for 2015, and the SMART goals I had set early in the year.

I had about a 20% success rate, and I realized that even the best of intentions don’t mean much when you fail to follow-through.

#FAIL

The Turning Point

I remember it clearly…while mindlessly scrolling my Facebook feed while waiting for a haircut, an ad caught my eye.

It said something along the lines of “You’re Wasting 80% of Your Potential” – and based on my annual review, that raised an eyebrow.

When I clicked over, I realized I had heard this guy on a podcast with Amy Porterfield recently.  He was all about high performance and breaking free of overwhelm by using smart systems.

My kind of guy.

His name is Todd Herman, and he’s become a mentor to me in 2016 (even though we’ve never met or even personally conversed).

My Mentor Todd HermanYou can learn more about him as part of his free training series, but here’s a quick summary:

Todd’s spent almost 20 years serving as one of the world’s most sought after peak performance coaches… working in the trenches to help over 10,000 Olympic athletes, 9 Fortune 100 Companies, billionaires, and even royal families achieve the epitome of success in their fields.

Todd is also a devoted husband and Dad to two little girls – again, my kind of guy!

I started following Todd and not just learning but APPLYING his advice, and it was a real game changer for me.

There’s a lot I could share, but these three simple things made the biggest difference for me…and our family.

These 3 Things Changed My Life Big Time

1. I Broke Free of “Old-School” Goal Setting

I’m a big fan of goal setting, and I’ve done it all of my adult life (and even as a kid).  But I found that as life got busier and more complicated, my success rate in actually meeting my goals was pretty dismal.

I got away from thinking in terms of “right now” or “this year” and I quit allowing my brain to be fooled into thinking that setting a goal was an achievement in itself.  Instead, I adopted Todd’s achievement system, switched to 90-day goal horizons with 2-week “sprints” and my success soared.

RESULT: I created, launched and delivered our new flagship program at Engaged Marriage in less than two months (total). And it happened while working full-time, expanding the EM team and spending more quality time with my family.

It’s called Total Marriage Makeover and it’s by far the best thing we’ve ever done to help busy couples enjoy the marriage of their dreams.

2. I Quit “Context Switching” ALL the Time

I didn’t have a name for it until Todd gave me one, but Context Switching was an absolute productivity killer for me, and I bet it is for you, too.

Our culture’s love affair with multi-tasking is a complete farce, and I guarantee you will benefit from changing how you work.  I thought I was a productive guy, but giving my to-do list a makeover and knocking out big items using Todd’s “block and tackle” approach was a game changer.

RESULT: Once I switched HOW I work, I found I needed to work less to get more done.  That’s a sweet change, and in my case it allowed me to spend more quality time with Bethany and our kids.

An important distinction – it’s not just about quantity of time either.  Because I felt accomplished in my work, I was far less distracted and could really, truly focus on my family.

3. I Started Focusing on Performance…Not Potential

This is really the overarching change that’s occurred in my approach to business and life.  It’s a mindset issue, but actually putting it into action is much less abstract.

It takes some effort to break old habits, but I found that Todd’s approach was practical and systematic.  So even when I wasn’t sure about the outcome, I learned to trust the steps and the payoff was immense.

RESULT: I’m achieving success like never before.  I literally did more in our business in the first quarter of 2016 than we accomplished in all of 2015 (or any other year).

Then I kept applying what I learned each 90 days, and it’s truly been an amazing year as we’ve launched a membership community, several new programs and created a very successful digital marketing consulting company…all without feeling crazy overwhelmed despite our full schedules…because we just follow the system.

And again, this goes way beyond entrepreneurship.

Family, faith life and friendships have been enhanced so much.

So, life’s easy now, right?

Of course not.  The reality I’ve learned is that each 90 days requires a reset and a fresh plan, but it’s fun and exciting now.

I’m ready to plan for an even better 2017, and I’d LOVE to have you join me.

Check Out Todd’s Free Training While It’s Available

Todd just released a powerful, free training series that I can’t recommend highly enough.

Click here to watch Todd’s first training video

Todd Herman 90-Day Year

And be sure to download this FREE Blueprint that shows you the success system that I’ve been following:

Free Success System Download

I believe this free training is available until Thursday, December 8th.

After that, Todd will open up the FULL 90-Day Year program.  This is the same program I followed to get such great results, and it only opens for enrollment every six months.

Join the 90-Day Year & Get My $850+ Bonus Package for FREE!

The 90-Day Year will be open for enrollment between December 8th and 15th 2016.  If you miss that one-week window, you’ll have to wait until mid-2017 to join…please don’t  do that!

To encourage you to take action and to ensure you get the best results possible, I’ve put together a 90-Day Year Bonus package to supplement Todd’s training.

And you can get it for no additional cost!  Just click the link below to get all of the details:

Click here to check out my FREE $850+ 90-Day Year Bonus Package

I’m excited to hear about your results with the 90-Day Year so you can enjoy a better, more engaged life!

What’s Love Got To Do With It: 4 Reasons Why You Need To Have The Money Talk

By Dustin | Finances & Careers

whats-love-got-to-do-with-it-4-reasons-why-you-need-to-have-the-money-talkMoney…finances…not something that most couples really want to talk about.

Some avoid it until there’s a problem. Others never talk about it.

Why is that?

Well, because money talk isn’t romantic.

It isn’t sexy. It isn’t glamorous and it surely isn’t fun…well unless you won the lottery maybe.

If you’re like most couples, you cruise along, blissfully focusing more on the “important” things – communication, quality time, building a life.

As intoxicating as all that is, the fact is, the life you want costs money.

You’ve probably talked about where to live, whether to have kids, how you’ll parent your kids, career plans and so on.

But have you talked about how to pay for all those dreams?

As unromantic as it sounds, including money in the discussion can be one of the best ways to armor up your marriage for those times when things get tough.

So what does your love have to do with money? Everything.

The Balance of 50/50

There’s a notion that relationships should always be equal…50/50. Each person wants to feel as if they are contributing and that their partner is doing the same.

But what does equal – 50/50 – mean in your relationship in terms of financial issues?

Partners rarely bring exactly the same financial resources to the relationship.

What is “equal” when one makes more than the other or contributes non-monetarily is very subjective. How does 50/50 work then?

Your idea of 50/50 may be completely different from what your spouse sees as equal. Having this discussion early on can head off a lot of future skirmishes.

Yours, Mine and Ours

When you’re talking about managing money in a relationship, you’re talking about trust…financial intimacy.

It’s more than discussing how much is in the checking account this week. It’s an ongoing conversation about wants and needs and how to fund those things.

Simple right? Well, no.

What complicates it is that each of you has your own wants and needs and dreams that you have to weave into the fabric of your relationship.

Money carries all kinds of meaning for people – security, safety, independence, freedom or control for example.

You need understand what money means to each of you and prepare for how the finances will be handled. You want to make sure that you are compatible in the way you view spending and saving.

There is no right or wrong answer. The only answer is the one that works for the two of you.

What’s The Plan?

Part of a stable, loving marriage is planning your future together. That life costs money.

Your money and how you manage it will play a huge role in how your future plans unfold.

Discuss the plan early in the relationship. It’s never too soon to plan.

You want to plan for the good and the unexpected.

You’ll learn an awful lot about how the two of you communicate and negotiate money matters.

When you’re part of the plan, you’re invested in the plan.

Discuss the plan often. Over time, priorities change as the relationship grows. Kids come along. You buy that dream house. One of you loses your job.

You may need to make some adjustments for those unexpected things that come along. If you’ve laid a good foundation, you’re more likely to weather the storm when the unexpected happens.

Keep It Simple

Money problems can make or break even the strongest loves. Money issues are consistently one of the top reasons cited for marital discord and for divorce.

Money is something you and your spouse use every day.

It shapes the life you live. It makes sense to talk about it. Left to linger, money issues will continue to pop up and become the source of many an argument. Over time, they can destroy an otherwise happy marriage.

How you approach the topic isn’t as important as your attitude going in.

Remember, your spouse is your partner, not the enemy. Give each other permission to bring up money questions or concerns.

Trust that you have each other’s back. When you know you’re a team, defenses come down and you’re more likely to get to the heart of the matter.

Want a simple step-by-step plan to gain financial security for your family?

Visit http://www.engagedmarriage.com/money-plan/ to learn more about an exciting program designed to bring you greater financial security and more time to spend with your family.

how-to-get-control-of-your-money-and-create-the-future-you-desiretogether-1

Money and how you manage it will shape the life you build together. Make sure you’re tending your marital money relationship with tender loving care.

3 Simple No-Cost Side Income Ideas We Used to Earn an Extra $54,448 in Less than 3 Years

By Dustin | Finances & Careers

3 Simple Side Income Ideas

It seems pretty obvious now…

…but it took some really dumb decisions and a lot of hard knocks for us to finally figure it out.
I’m just grateful that we’re able to share it with you now so that you and your family can benefit.
Based on what’s happened in our own marriage…
…as well as the experience we’ve gained by interacting with thousands of Engaged Marriage readers, we’ve come to a conclusion.

Every Couple Needs A Side Income

You may be wondering why the name of this post is so specific.

Well, $54,448 is a very memorable number for our family.  That’s the amount of (non-mortgage) debt we owed when we “woke up” several years ago pregnant with our son.

This was no doubt a scary time in our marriage, but it was also a very powerful turning point for us and our views on money.

We decided at that point that enough was enough, and we paid off all of our debts in less than 3 years in large part because we developed some really effective side income streams.

Extra Income Means Greater Freedom

This is still an important part of our marriage and our mission in helping other families.

Because we’ve built multiple side incomes (and full fledged businesses in some cases), Bethany is able to be a stay-at-home Mom to our three small kids, and we have a lot of financial freedom.

Your goals are probably different, but I bet you could find good use for $500 – $1,000 in extra income each month (and build it up from there)…in a way that doesn’t take up all of your spare time.

If you need a little more motivation for taking action, be sure to check out our article on the 7 Reasons Every Smart Couple Needs a Side Income.

I hope you agree that developing a side income is an awesome goal.  Now, let me share some ideas for making it happen with you that I think you’ll enjoy.

What’s The Best Way For You To Get Started Earning Some Extra Money On The Side?

Over the last several years, we’ve created at least 10 different side income sources.  But I want to focus on three main types to show you how simple this can be for you.

As you’re reading about our experiences with these side businesses, think through some similar ideas that could work for you.  I recommend you think in the context of our “Three Keys to Quick Side Income Success” for busy couples:

  • Start With What You Know
  • Go Low-Cost & Low-Time
  • Get Your Spouse & Family Involved

Let’s take a look at three types of side income opportunities and how we’ve applied them in our own marriage.

Big Idea #1: Buy/Sell Stuff (Arbitrage)

This is about as simple as it gets.  While the fancy term is “arbitrage” what we’re really talking about here is buying something for a lower price in a constrained market and then selling for a profit in a larger market.

This could be as simple as buying collectables at a garage sale and then selling them at a higher price at a flea market.

But we don’t want to forget our Three Keys to success, so we need to do this in a way that doesn’t bore us to death and scales to generate more income without taking a lot of time.

You’ll Scale Quickly With The Right Idea

For us, our biggest success came from our golf club reselling business.  I love golf and was buying different clubs on eBay to try out.

I realized that I could break even and sometimes make a little money by reselling the clubs I didn’t want to keep back on eBay.

The business really took off when I started buying clubs locally (mostly through craigslist), cleaned them up, and sold them nationally (sometimes internationally) through eBay.

I learned the typical sales price for popular clubs and could spot a deal easily, plus I became skilled in creating eBay listings that maximized my sales price.

This business generated net profits of over $1,000 per month quickly and peaked out at over $2,000 per month.  Here’s a screenshot of a few of my eBay orders:

This was a classic case of buying low in a local market and selling higher to a broader audience who will pay true market value.

You could replicate it easily, especially with the more efficient online markets (like Amazon’s Fulfilled By Amazon service) available today.

I only quit doing this because it was too time consuming for me to travel around the region buying the clubs.

While I could have hired someone else to do this for me, my interests turned to more passive online strategies like those below.

Big Idea #2: Solve a Simple, Recurring Problem

How many times each week do you encounter a problem and search for a solution?

I bet it’s a lot more often than you think, and there are thousands (probably millions) of people out there with the same issues.

When you develop the right mindset, you will see your problems as opportunities to help others…and make some income in the process.

The beauty of this approach is that it’s a matter of creating a solution one time and then selling it over and over again.

Recurring Income Rocks

I have two quick examples that I’d like to share from our own experiences.

The first was a problem I encountered when training for my first half marathon. I developed shin splints, and if you’ve ever had them you know what a painful and frustrating experience it is.

Well, I searched and tried many different treatments to make the pain go away.

Once I finally found a process of foam rolling, stretching, strengthening and icing that worked really well, I realized that there was nowhere to buy the different pieces of equipment as a kit.

Well, now there is!

I packaged up the foam roller, ice packs, foot massager (golf ball) and resistance band along with a brief instruction manual and now sell it as a Shin Splints Treatment Kit both on my own simple site AND on Amazon!

I created a single video on YouTube (for free) showing how to use the equipment and telling people where to find the kit.

I get several sales every week, and oftentimes multiple orders a day, for this little kit with no marketing:

The best part is my kids help me pack the boxes and Bethany fulfills the shipping, so it’s truly a family affair.

You may not know that anyone can list a product on Amazon and let them sell it for you.  They take a fee on each sale, but there’s no upfront cost.

The other example I’ll share here came from my trouble getting started when it came to writing a love letter to Bethany.

Help Others While You Help Your Family Thrive

I try to be romantic (I run Engaged Marriage after all!), but I kept falling into the trap of thinking “someday” I should write her a romantic letter.

After I finally wrote the letter and thought through the process, I realized there was a method to the madness.

I documented it and created templates to help you write the perfect love letter to your spouse.  Bethany and I recorded a session discussing the why and how-to of writing a great letter and packaged it with the templates.

The result was the Romance the Write Way love letter program.

This has become the best-selling product from Engaged Marriage.  It sells every single day, and we only created it one time.

That’s the beauty of passive income!

Big Idea #3: Teach (But Probably Not In School)

The last area I want to share with you is the absolute easiest to get started.

With a post on your Facebook profile or a quick free ad on craigslist, you can start earning some extra money right away.

It’s as simple as teaching others something valuable.

You may not consider yourself an expert at anything in particular, but you don’t need to be!

You’re An Expert To Many

If you are just one step ahead of someone when it comes to a specific skill, you are an expert TO THEM and you can add incredible value to their life.

Teaching in various forms is the main source of side income for our family nowadays. 

The simplest form of this for us is tutoring.  I have tutored high school students in math (children of neighbors), and Bethany has tutored several students in a variety of areas.

It’s not very passive (you trade time for dollars), but it’s something you can do right away.

What Can You Teach Others?

Piano lessons, Excel, public speaking, childcare, reading, art, sports…the possibilities are literally endless.

Did you know that you can be an author featured on Amazon?

It’s true, and the easiest way to get started is to write a short how-to book for the Kindle platform.

This IS passive income, and I currently have three books in the Amazon Kindle store that sell consistently with no marketing effort on my part.

You can see two of the books in the image below.  And the third?  Well, it’s a written version of my how-to process for fixing shin splint pain!

You can also create a course and sell it for free on the super-popular Udemy site.  I have a time management course that sells there very passively.

And of course for us, the biggest side income of all comes from our passion project – Engaged Marriage.  This will soon become our primary source of income, but for now it remains a “side gig” that we love dearly.

With The Right Approach You Don’t Need Much Time

I didn’t mention that all of our efforts so far have happened while I work a demanding “day job” as an engineering consultant.

With that and all the hustle that comes from having three kids under the age of ten, I hope you see that while our time is very limited we have found great success in building multiple streams of side income.

And I know that you can do the same!

Are You Ready To Get Started Creating Your OWN Side Income?

So, at this point you probably have some initial ideas for potential side income streams…or at least you can see it’s possible if you had a little help getting started.

Well, your timing is excellent!

This week we are launching the new and improved Side Income Success Club, which will guide you step-by-step to success.

And when you enroll before Saturday at midnight, you can get literally get started for 30 cents a day.

Click the button below to get all the details and get started today!

Click Here for Side Income Success!

http://www.engagedmarriage.com/side-income-club

Days
Hours
Minutes
Seconds

7 Reasons Every Smart Couple Needs a Side Income (and How to Get One)

By Dustin | Finances & Careers

7 Reasons Every Smart Couple Needs a Side Income

How would your family benefit from an extra $250, $500 or even $1,000 every month?

In this post, I want to share why it’s so important that your family develop a side income and show you how to make it happen – complete with real-life examples of the many ways we’ve added to the bottom line in the Riechmann household.

BONUS: Be sure to click here to grab our FREE guide "How to Find a Profitable Side Income Idea in 15 Minutes"

7 Reasons You Need a Side Income

Let’s start by outlining a few of the many benefits of developing a “side hustle” and bringing in an income outside of your 9-to-5 paycheck.

1. More Money 🙂

Duh, right?  Let’s start with the obvious – just like a big raise at work, side income increases your bottom line.

If you’re doing the right thing and budgeting every dollar of your income, you probably know exactly where you’d plug in some extra cash.  Even if you’re not that organized, I bet you could find some awesome things to do with 500 bucks.

You could pay off debt, give more to charity, save for emergencies, go on nice vacations…all the wonderful things that more income allows your family to enjoy.

Good stuff for sure, but this is just the start!

2. Greater Freedom

If you put it in the right context, more money is ultimately about enjoying more freedom.  When you’re not stuck living paycheck-to-paycheck but instead start building more margin in your budget, it gives you options to do more of things you want to do as a family.

In practical terms, killing off debt payments and boosting your income to reclaim your monthly cash flow gives you the freedom to make choices about how to spend your money and your time.

It could also represent the opportunity to leave a job you don’t enjoy to do something you love.

3. Sense of Security

This is where a side income really starts to separate itself from a regular paycheck.  The raw truth is that dependence on a single income source is really dangerous – you’re only an economic downturn or angry boss away from losing it all.

When you develop alternative forms of income, you can not only build a bigger emergency fund and nest egg, but you can enjoy the security of knowing that one change won’t wipe out your inflow of cash.

And as your side pursuits mature, you’ll likely find that you can automate (or hire out) much of the work and create passive income that supports you without direct investments of time – that’s true financial freedom!

4. Opportunity for Something BIG

What starts off as a modest attempt to make an extra $200 could grow into something much, much larger.

Many of the world’s most successful companies started off as side ventures or small solo pursuits…have you ever watched Shark Tank?

The fact is that you never know where the market may take you – a simple idea can strike it big and grow into a massive success.  That’s exciting!

5. Help Others

One of the awesome benefits of doing good work is that you get to help others in the process.  The best way to make money is to provide genuine value by helping people.

While you may feel this in your day job, there’s a good chance that your side hustle will connect you more closely with the value cycle and let you experience the real joy of helping others.

6. Lifelong Learning

One of the surprising benefits I’ve found in developing side businesses is that it’s incredibly intellectually stimulating.  It’s much too easy to get bogged down in the day-to-day demands of a regular job and never stretch your thinking.

When you do work on the side, you’ll gain entirely new skills, feel excited to learn something new, and then get to implement it right away to grow your income.

7. Fund Your Dreams

When you think about your dream marriage, there’s a good chance that money will play a role in the lifestyle you desire.  I’m not necessarily talking about sipping drinks by the beach, but enjoying the freedom to live life on your terms.

In our case, it was our side income that was instrumental in allowing Bethany to stay home with our kids two years ago.  Only through side gigs were we able to pay off $54,500 in debt and position our family for the future we desired.

BONUS: Family Bonding

Are you thinking that developing a side income is going to steal too much quality time away from your family?  I totally get that, and it’s a legitimate concern.

It’s all about how you set your business up both in terms of how many hours it requires of you and how much of that time is solo.

When you see the list of former and current businesses we’ve done below – you’re going to think I’m insane and that I must have an extra 8 hours in the day…but the reality is that each side gig is set up strategically to minimize the time required (and we’ve dropped most dollars-for-hours tasks over the years).

One surprising benefit that we’ve found with our side pursuits is that we can actually enjoy some very high-quality time together.  As I note below, my son is my “partner” on one business, and Bethany is absolutely involved in Engaged Marriage and Fit Marriage.

You should view your side business as a real opportunity to connect around an interesting project that benefits the whole family!

How to Make It Happen (and What We Do)

If generating a side income was easy, you’d already be doing it, right?  Maybe.

It can certainly be intimidating but it’s probably not nearly as hard as you think.  Here are the three main suggestions I have for you as you consider how to generate side income:

  1. Start With What You Know
  2. Go Low-Cost & Low-Time
  3. Get Your Spouse & Family Involved

We’ve built different streams of side income throughout our 14 years of marriage.  When we started out, we traded more time directly for dollars, but we’ve learned along the way and also taken advantage of the power of the Internet.

Here are several examples of side income streams that we’ve enjoyed in our household along with a short description of each.

BONUS: Be sure to click here to grab our FREE guide "How to Find a Profitable Side Income Idea in 15 Minutes"

  • Golf Club reselling

This was one of the first side businesses I did, and it was quite profitable with more than $1,000 a month in income.  The model works for lots of different items, but I got into golf clubs when I was trying to find the right set for myself (this is often how I find business opportunities).

In a nutshell, I bought clubs locally (through Craigslist mostly), cleaned them up, and sold them nationally through Ebay.  It’s a classic case of buying low in a local market and selling higher to a broader audience who will pay true market value.

I only quit doing this because it was too time consuming for me to travel around the region buying the clubs, and we discovered more passive income streams.

  • Tutoring

Both Bethany and I have tutored kids in various subjects, and it’s a nice way to make extra money.  I still tutor a neighborhood high school student in math occasionally as a favor – I enjoy it and we use the money to pay our kids for household chores.

  • Teaching (online and offline)

There are SO many opportunities to teach what you know to others.  One the best ways to do this is to create a simple course on a platform like Udemy where you can reach the world.  You can create the course once and sell it many, many times.  I have one course on Udemy currently.

I’ve also taught engineering courses at a local University, which I found quite fulfilling.  This is more dollars-for-hours in scale, but you may find it’s a great fit for you to teach locally or for a college online.

  • Writing

If you enjoy writing, there are pretty much limitless opportunities to get paid to write.  One of the best places to find work is through blogs you enjoy – we employ four awesome writers here at Engaged Marriage.

I’ve written for other blogs for pay in the past, and I’ve also written articles for magazines.  They pay better, but of course this requires more work and specialized skills.

If you want to take it to another level and develop more passive income, you can absolutely self-publish a book!  The Kindle platform in particular makes it easy, and you can also have Amazon convert your ebook to paperback.  I’ve written three books personally, and they all generate a nice passive income through Amazon (and other platforms).

  • Engaged Marriage

This very site is a robust business with income from books, workshops, advertisements, affiliate relationships and coaching.  It is FAR from passive with nearly 400 posts written mostly by me and a continuous effort is required, but it’s a true labor of love getting to help others live a married life they love.

  • Fit Marriage

I’m also a partner with another online site/business called Fit Marriage where we help busy couples make fitness a key part of their marriage.  We have numerous income streams, but our primary revenue comes from a fitness program we developed for couples called Thrive90 Fitness – it’s pretty much completely passive at this point.

  • MLM (Team Beachbody)

One of the easiest ways for people to get started building a side income is through a multi-level-marketing (MLM) company.  There are many successful companies out there like Tastefully Simple, Mary Kay, Thirty One, etc. – just think of “home parties” you’ve been invited to and you’re likely thinking of an MLM.

Through my work at Fit Marriage and my past experience with the P90X fitness program, I became a coach with Team Beachbody.  This is the MLM company behind many of the most popular at-home workouts out there.  I treat this pretty passively, but it generates a nice income and discounts on their products.

  • Coaching & Consulting

You can get paid really well for sharing your expertise and guidance with others.  I don’t even advertise these services, but I’m able to generate a very nice side income through coaching and consulting.

You can coach/consult on just about any topic that you have specialized knowledge in.

In my case, I help married couples achieve their dream marriage through strategic planning (set big goals and follow a step-by-step plan to achieve them), and I consult with folks on getting control of their schedule and being more productive.

I also do consulting to help others get started or ramp up their online businesses.  It’s so fun to apply what I’ve learned in six years of online business to help others generate real income to help their families.

Like I said, I’ve never even advertised these services (people contact me), so there’s clearly a real demand out there for help.  If you’d like to chat about working with me in either of my specialty areas, shoot me a message. 😉

  • Shin Splints Treatment Kit

This is my latest venture, and I love it because it’s really specific, pretty passive and I get to teach my 10-year-old son about business.  When I got into running about 18 months ago, I suffered BAD from shin splints.

Long story short, I found a quick treatment regime that really helped me and some of my friends (I actually just ran my first marathon two weeks ago).

In the process, I found an opportunity (you develop this mindset once you start a side business) – all the materials I needed to do the treatments were only available from random sources and at pretty high prices.

I simply created a short guide on how to do the treatments, then found wholesale sources for the materials needed (foam roller, ice packs, resistance band).

I shot a 5-minute shin splints instructional video to put on YouTube and put the Shin Splints Treatment Kit up on Amazon.  With NO marketing, we make several sales every week with profits per kit of $15-$22 depending on shipping costs.

My son Braden packs the boxes for me and helps me with shipping.  I pay him $1 from every sale, and he loves it.

This is an awesome way to teach about the entrepreneurship and have fun together while helping others!!

OK that’s quite a list – so we clearly LOVE side businesses!

Keep in mind that we’ve had small children in our home that last 10 years, and I still work a demanding full-time engineering job (that I love).

You can totally do this. You’ll notice that a lot of our endeavors have been centered online, which we love for the flexibility it provides, but I know many other couples who thrive with “real world” businesses helping those in their community.

It all starts with one simple idea and a smart action plan…and I know just the guy to lead you on that front!

Want The Exact Steps We Use to Make Extra Money On the Side?

I can only share so much in a blog post before it becomes ridiculously long, but if you’re interested in learning more about creating a side income for your own family – we’ve got you covered.

We created an amazing program with my friend and New York Times best-selling author Dan Miller called “How to Make an Extra $500 per Month on the Side to Bless Your Family” and you can get instant access to it right now.

In this program, you will learn…

  • The difference between a side business and a side job (this is critical if you want to leverage your time)
  • How to start a simple side business that will bless your family with extra freedom, fun & opportunity (plus money of course)
  • The best types of side businesses for busy married folks… including many real-life examples from Dan (married 45 years), Dustin (married 14 years) & those we’ve worked with personally
  • How to find the right side business for you… even if you have no ideas right now
  • How to get started earning a side income this week… there’s no reason to wait!

Even if you have no business experience at all.

How To Make Extra Money On The Side Without Spending All Your Spare Time Working

Click here to get instant access to the side income workshop at amazing value!

Top 5 Money Fights & How to Avoid Them in Your Marriage

By Dustin | Finances & Careers

Top 5 Money Fights & How to Avoid Them in Your MarriageIt’s no wonder that money is the number one cause of arguments among married couples, as money has enough power over us to be considered the root of all evil.

Money isn’t inherently good or bad — it’s just paper.

What money represents to us individually is the issue that can cause problems.

Let’s learn more about the five most common money fights affecting couples, and how you can avoid them in your marriage:

1. My spouse controls all the money, and I’m left in the dark.

It’s dangerous for one partner to control all the finances, as marriage is about partnership.  Even if one spouse is better with numbers, you both need to have a clear understanding of your total financial picture.

If you both know where you’re at financially, and where you want to go, you can make decisions together as a team.

Solution: Schedule monthly “Money Dates” with your partner. Use the time to review your spending, savings, and big picture money goals.

If talking about money leads to arguments, take a couple’s money course or hire a financial planner who can help you determine if you’re on the right track financially.

2. We don’t agree on how much money to spend on the kids.

This argument is more likely to happen when one parent is in charge of the household shopping and the other one only sees the statements.

These fights will be even more dramatic if one spouse is a natural saver and the other is a spender.

Solution: Switch shopping roles and have your spouse do the shopping for a couple weeks, so they can see how much items really cost. You can then sit down and brainstorm the best way to shop and save money in the future.

Remember, you’re on the same team, and you both just want what’s best for your kids.

3. I love to shop, but my spouse is a saver.  

A healthy marriage is based on trust which means couples shouldn’t micro-manage each other’s every purchase.

It’s also important that one spouse’s spending habits don’t sabotage the couple’s financial goals.

Solution: Set a spending limit. Choose an amount that you and your partner can each spend per month without having to talk to one another other first. If the potential purchase is more than your spending limit, talk about it first.

Remember to be flexible and open, and listen to each other’s points of view.

4. I have debt, but my spouse doesn’t. We can’t agree on how to pay it off.

It can be difficult to decide the best way to handle old debt, especially when one spouse comes into the marriage debt free.

It’s important to fully disclose your financial situation and make a plan together.

Solution: Stop thinking in terms of “yours” and “mine.” You’re married now and that means your financial lives are merging.

If your spouse is paying interest on old debt, that’s less money the two of you can save for the future. Sit down together and add up all of your debt and savings.

Make a plan to pay off the debt quickly and start working on your financial goals together.

5. I’m very conservative, but my partner is a risk taker.

Being opposites isn’t always bad because it can help you to have balance.

After all, you’re not likely to reach your big picture financial goals by hiding your money under a mattress or by gambling it away in Vegas.

However, you do need to take on a certain amount of “smart” risk in order to earn enough of a return to reach your money goals.

Solution: Find the balance between the conservative in you and the risk taker in your spouse. This is where a financial planner can help.

A financial planner can assist you in determining a “smart” level of risk that will allow you to both feel comfortable.  Or if you prefer a DIY approach, check out the Engaged Marriage Couple’s Money course that I co-created.

Merging love and money isn’t always easy, but we can help.

At Savvy Duo Financial Planning, Inc. we help couples tackle topics such as creating a shared budget, investing, saving for a child’s education, and planning for retirement.

We act as your money coach and financial planner, providing you and your partner the objective guidance and advice you need to reach your financial goals.

Based in Los Angeles, we work virtually with couples throughout the country.  Contact us today to schedule a free 30 Minute Introductory Meeting at http://www.thesavvyduo.com

1 2 3 17