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I am not a money genius. I’ve touched many proverbial “hot stoves,” and the Best Interest is part of my scar tissue. Today, let’s dive into seven of my money mistakes and the lessons I’ve learned from them.

Not an Arrested Development fan? Huge mistake.

Money Mistake #1: Not “Renting My Fun”

I once heard radio host Colin Cowherd say, “Buy ‘normal life,’ but rent your fun.”

It makes sense to buy healthy groceries. It makes sense to buy comfortable shoes. It makes sense to buy a reliable car. You need those things every day of your life.

Life is a constant.

But fun might be seasonal or weekend-only. Does it make sense to buy a snowmobile that you’ll only use eight weekends a year? Maybe. It might fall high on your bimodal passion graph.

Does it make sense to buy a boat? I have coworkers who sail every weekend during the summer. They plan sailing vacations on Lake Ontario. They love sailing. A full purchase makes sense for them.

But for the rest of us, renting a boat or snowmobile makes better financial sense. It’s too easy to overspend on a shiny object you’ll underuse

I’ve discovered a second category of “fun objects”: those that are fun only due to confounding factors.

Is a hot tub fun? Or is a hot tub fun when you’re hot tubbing with other people? That’s the lesson I learned…and the money mistake I made because of it. It’s a story I’ve written about before here on the Best Interest.

I bought a hot tub. It’s great, especially on cold winter nights. But my rationale for buying the hot tub was, “Hot tubs are great!”

We checked the record, and that rationale was determined to be false.

Hot tubs aren’t great. Hanging out with other people in a hot tub is great. Oops.

I could scratch my hot tub itch with a few trips per year. The rest of the time, I should just try to hang out with my friends more often. Thankfully, I didn’t use credit to buy the hot tub. I didn’t borrow money for it.

But it was an impulsive purchase. It didn’t mesh with my financial goals. The hot tub is nice, but buying my fun (rather than renting it) was a money mistake.

Money Mistake #2: Decrease Spending vs. Increase Income?

In this world of credit card debt and budgets and dwindling emergency funds, it makes sense to spend less. That’s the easiest way to save money. We can enact it today. Just spend less!

But is it the most consequential improvement? I say no.

Over the long term, you’ll be much better off making efforts to increase your income. Why? Let’s do some quick math.

Sadie makes $50,000 per year. Of that, she saves $10K. The other $40K goes towards bills—that’s $3300 per month.

Real life Sadie. She’s not a human.

If Sadie needed $500 extra this month, she could cut her $3300 monthly budget down to $2800. Scrimp and save.

If Sadie needed an extra $1000 this month, she might be able to cut that $2800 monthly budget down to $2300. Do you see where this is headed?

At some point, Sadie can’t cut any more fat from her budget. She’s limited by her survival needs. Frugality and cost-cutting have lower limits. They are bounded.

But increasing your income, technically speaking, is unbounded. The upper limit does not exist.

In reality, we’re not all going to be billionaires. We will eventually hit an income ceiling.

But Sadie can make a plan to increase her salary. She can look for promotions within her company. She might be able to switch jobs and leverage a raise that way. Making more money is possible for many people in many professions.

For my first few years of personal finance stove-touching, I focused on reducing expenses. And it worked! But I eventually hit a lower limit.

Then I looked for ways to increase my income. The results were fast and fantastic. I found a new job, negotiated my salary higher than offered, and secured the easiest 30% raise of my life.

Cutting spending is fine. Start there, it’s ok. But it’s a money mistake to neglect ways to increase your income.

Money Mistake #3: Listening to Mr. Market

I read a lot of information about personal finance and investing. I’ve done so for years. And there has always been someone calling for a crash, a burst bubble, or a bear market.

See—here’s an example from 2015. Meanwhile, how has the stock market actually performed since 2015?

Up 100% since September 2015…did someone say “impending crash?”

We’re risk-averse, over-developed monkeys. Fear is normal. But we should try to delineate between irrational reactions to fear and rational reactions to facts.

Ben Graham’s famous Mr. Market parable personifies this irrational fear. If you’re not familiar with Mr. Market, follow that link and read up.

When I was new to investing, I listened to Mr. Market. And that was a money mistake! I let my investing choices be controlled by irrational fears.

As a result, I didn’t max out my investing accounts (which I’ve changed now). I estimate that I under-invested by about $20,000 in 2014 and 2015. It’s an opportunity that I’ll never get back.

Fast forward to today, that $20,000 mistake is worth about $40,000. Keep going to 2040, and that mistake is likely to surpass $100,000 in value.

There’s no use crying over spilled milk. It doesn’t keep me up at night. I’ve learned my lesson, and I won’t make that mistake again. And I hope you learn from my money mistake too.

P.S.—if you’re worried about an impending market crash, I 100% empathize. I get it. I recommend you read this and let me know if that helps.

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Money Mistake #4: Caring About the Joneses 

We’ve all heard it before. “Keeping up with the Joneses.” Buying nice things simply because your peers—the Joneses—have those nice things.

But as I pointed out on the Rochester Business Connections podcast:

“The Joneses might be broke.”

-Jesse

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It’s easy to forget that fact. The Joneses might be stretching—and stressing—their budget to a near-breaking point. Are you sure you want to keep up with that?

I worked at a software company after university. They hired tons of 22-year olds like me. And I immediately noticed that many of my peers had nice stuff.

They drove $50,000 cars. They wined-and-dined most nights. They planned cross-country trips on a whim—what’s a round-trip flight, $1000? Chump change.

I know that pang of envy. I wanted those things too! How were my peers—ostensibly on a similar salary as me—living these lavish lives? There are two obvious answers:

  1. They had different budgets and different priorities.
  2. They had alternate sources of income.

#1 makes will always be true. Everywhere you look in life, people will spend differently than you. My coworkers made conscious choices to spend on nice items. I put my money to different uses. That’s neither good nor bad. It’s just different. Each person spends differently.

And #2 is something I have zero control over. Some people are born on third base. Others are born in the ditch. It’s not fair. It’s just luck. I enjoy writing about the role of luck in society.

(But I certainly shouldn’t feel bad that some people are luckier than me. I’m very lucky in my own life.)

Once I’d convinced myself of these truths, my money mistake became obvious. Let the Joneses do their own thing. They’re on their own path. I have my path.

Money Mistake #5: Hunting Mice, Not Gazelles

Why don’t lions hunt mice? What chance does Mickey have against the lion king? Lions could hunt mice in spades!

But the energy gained from that small mouse isn’t worth the lion’s effort. The lion is better off hunting gazelles.

We can—and should—apply a similar thought process in our lives. It applies to time management. It makes sense at work. And yes, it makes sense in personal finance.

Don’t hunt the field mice in your money life. It’s a common money mistake. My favorite example is this classic:

“I’ll drive across town to fill up my gas tank…gas is 20 cents cheaper at that gas station!”

This is quintessential mouse-hunting. Driving 5 miles (which has a cost) over 10 minutes (what’s your time worth?) in order to save, let’s say, 20 cents/gallon * 15 gallons = three dollars!

You are spending—both in time and money—more than you’re saving.

I’m not saying, “Don’t go after free money.” I would certainly pick up three dollars if it was lying on the sidewalk. That’s because sidewalk money costs me two seconds of time and one solid bend of my back.

But this gas savings had a real cost. That cost completely negates the benefit. The $3 gas savings is not free! To ignore that fact is a money mistake.

It’s the same reason lions don’t hunt mice. Some “easy prey” simply aren’t worth the effort.

Money Mistake #6: Servant or Master? 

Various philosophers are attributed with saying:

Money is a great servant but a bad master.

This is certainly a lesson I’ve learned the hard way, and continue to learn—both through normal life and through my blog & podcast projects.

Money is nothing but a tool. Nothing more, nothing less. Tools help us build. But you probably know some people who classify as ‘tools’—and you don’t want them to be your master!

Jokes aside, there’s a slippery slope towards letting money control you. I’m pretty transparent here on the Best Interest. I’m in a healthy money situation and have been for a few years. But I still stress periodically. Without fail, that stress is due to my letting money become more master than a tool.

Perhaps my favorite articles to write are the ones that involve the psychology of money. Stuff like the fulfillment curve and the aforementioned “bimodal spending.”

There’s a pattern in my articles. That same pattern is borne out when other financial writers discuss the psychology of money. Namely, we all ask: how do we optimize money as a tool and minimize its role as a master.

Money Mistake #7: No Budget, No Clue 

For many years, I operated without a budget. It’s true.

Yes, now I’m a budgeting fiend. But there was a time when I had zero clue where my money was going. And that, no surprise, was a massive money mistake.

I’d check my bank accounts occasionally. I knew—roughly—what I spent on groceries and gasoline. But I couldn’t tell you for sure. And I certainly couldn’t have found any good ways to improve my finances.

It’s funny. Because of my lack of knowledge, I can’t even tell you the opportunities that I missed! That’s scary in-and-of-itself. As I wrote in the “Budget Basics” article, all of the experts I spoke with budgeted. They all monitor their spending in some way.

Readers, you don’t have to be a zealot like me. As I outlined in my 2019 review and 2020 review, I budget like a maniac.

But you can’t just “do nothing” when it comes to budgeting.

No More Money Mistakes?

No, no. I’m sure I’ve made tons of other money mistakes. But we’ll stick with those seven today. Quick recap, they were:

  1. Not “Renting My Fun”
  2. Decrease Spending vs. Increase Income
  3. Listening to Mr. Market
  4. Caring About the Joneses
  5. Hunting Mice Instead of Gazelles
  6. Letting Money Be My Master (Instead of Servant)
  7. No Budget = No Clue

Feel free to chime in with some of your money mistakes below. It’s ok. We’ve all messed up before 🙂

Thank you for reading! If you enjoyed this article, join 6000+ subscribers who read my 2-minute weekly email, where I send you links to the smartest financial content I find online every week.

-Jesse

Want to learn more about The Best Interest’s back story? Read here.

If you prefer to listen, check out The Best Interest Podcast.

Source: bestinterest.blog

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This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.

Empower Personal Wealth, LLC (“EPW”) compensates Money Bliss  for new leads. Money Bliss  is not an investment client of Personal Capital Advisors Corporation or Empower Advisory Group, LLC.

You are looking for the best investment app to help you save money, but all of them seem too complicated. You want something that is simple, easy to use, helpful, and even better if the app is free.

Empower is an online service for tracking your finances. Before a merger, the company began in 2009, and to this day it has been growing exponentially with a user base of over two million people.

Personal Capital is now Empower.

The app works on desktop as well as mobile devices, giving users the ability to track their spending easily wherever they go.

Empower also offers a suite of tools that help you get out more information about how you are using your money so that you can make better financial decisions.

On this Empower review, we will focus on what they do well, how it works for those who use it, and where Empower could improve.

Don’t forget… here is a list of all of the budgeting apps on the market.

If you are looking for an easier way to monitor your financials and see how healthy your finances really are, then you may want to check out what Empower has to offer.

What is Empower?

Empower is an online tool for tracking your finances.

It has been called the best financial app out there, and I agree with that statement. But, I personally use it as one of the money management tools to help guide our financial decisions.

I have used Empower to track my investments for over six years now, which probably makes me a bit of an expert on this topic because I use it on a regular basis.

Overall, Empower is a financial planning and wealth management tool that users can use to manage their net worth. The product offers tools for managing investments, retirement, debt payoff, and other personal finance goals.

How does it work?

First of all, Empower is a FREE app that helps you keep track of all your accounts. It can help you to invest better and did we mention… it is free to use!

To get the most out of this app, you’ll have to link each of your financial accounts one by one so that Empower can learn how you spend money.

It takes a couple of minutes to create an account and verify your identity.

The longest step is linking accounts to the Empower app. Just make sure you do this step within 7 days to get the most out of the app.

Features of Empower

The features of Empower include the ability to visualize your overall financial picture, keep track of your investments in a dashboard, and see which companies you are invested in.

Most people associate Empower as one of the best tools to help with investing, like a stock screener and an investment calculator.

But, there are many great features available for free including:

  • Net Worth Planner
  • Retirement Planner
  • Fee Analyzer
  • Cash Flow Management
  • Savings Planner
  • Budgeting
  • College Savings Planner
  • Investment Checkup

Pros and Cons of Empower

First of all, Empower is free to use. So, you might as well test drive the system and check out if the Empower app fits what you are looking for.

Just like any of the Empower reviews will tell you, there are positives and negatives with every type of money management app available.

You just have to decide the most important features for you. As well as what you are willing to pay.

Pros of Empower:

  • Free portfolio management tool.
  • Good for new investors who want a free-to-use tool with minimal features.
  • Easy to use and can be accessed on multiple platforms.
  • Can track investments across multiple accounts.
  • Tracks over 23,000 securities and over 1,000 mutual funds. – check
  • Offers a free app for on-the-go access.
  • Offers in-depth analysis and investment research on stocks, bonds, and ETFs.
  • Cloud-based platform
  • Free to use!

Cons of Empower:

  • Sales call from staff
  • Wealth management service is more expensive than a traditional advisor or simply investing in index funds.
  • High wealth management fee
  • Unable to reconcile your bank statements with Empower, but since they are coming from your bank directly, they should already be in sync.
  • No credit health information
  • Budgeting Tool needs improvement
  • Limited transaction management and budgeting
  • No import option for transactions from any platform including YNAB, Quicken or Mint
  • Cloud-based platform

Many people report that the Empower app requires $100,000 in investment assets to be eligible. That is untrue. In fact, it works best for those who have at least $100k in some form of investments – 401k, IRA, brokerage accounts, or even cash!

Empower is incredibly easy to use and has helpful financial planning tools.

Overall, it is one of the many great tools to help further push you to financial freedom.

Empower Pricing

While Empower is free to access personal finance tools, it does come at a small price of annoyance.

Empower is free

Empower is a free online portfolio platform that helps people save and invest their money. It offers tools to track net worth, create investment plans, compare retirement accounts, view savings goals and cash flow, and more.

This is the great part of using this app!

The downside is to make these dashboards free is they are trying to entice you to move to their wealth management services.

You do not need to invest your money with Empower to use this platform.

It is best to keep everything invested where it currently is and use their free tools to analyze and make the necessary changes.

As such, once you sign up, you will receive calls on a reoccurring basis offering you a free analysis. There is no pressure to do this. Once you have said no enough times, they will stop calling you.

Wealth management services come with fees

Empower offers fee-only financial advisory services.

For those under $1 million in investable assets, their fee is 0.89%.

As you can read in this book, there are many ways to invest yourself without paying that fee.

In fact, this is my favorite book explaining how much harder and longer you have to work by paying someone a 1% wealth management fee.

However, for a small percentage of people, this may be a more cost-effective way of receiving professional advice, as it eliminates hidden costs from this type of service.

Empower Tools

Empower is a financial management platform that provides tools to help individuals manage their personal finances. The platform offers tools for portfolio tracking, performance analysis, and retirement planning. The company also provides its users with educational resources on financial topics.

Under their free dashboard, these are the tools you can use for free.

Net Worth Calculator

This simple tool will keep track of your net worth. Very simple and always available.

Know where you stand, by downloading the free app to see your true net worth in real-time.

Understanding your personal financial statement is important.

Savings Planner

One of the most asked questions is how much I need to save for:

  • Retirement
  • Emergency Fund
  • To Pay Down Debt

Calculate how much to save each year with a 70% chance of reaching your retirement goals. Learn how much you are currently savings and how much you need to start saving.

Cash Flow

Cash flow is the amount of cash available for expenses at a certain time. This term used in personal finance describes the rate at which one’s income and expenses change over time.

The Cash Flow tool is easy to use because Empower automatically tracks deposits and spending. The time saver feature allows users to see their cash flow, balance sheet, net worth, asset allocation over a period of time.

Cash flow is a budgeting tool that offers limited information on spending. It provides a second check when using another program that gives you more details like Quicken or Simplfi.

Retirement Planner

This is the #1 reason I recommend Empower especially if you are looking to stay away from a financial planner.

Trying to figure out how much you need for retirement by yourself seems like picking a random number from the sky.

The retirement planner is used by millions of people to figure out how on track they are for retirement. Plus get tips on what they can do to improve their chances of success.

Budgeting

Budgeting is a method of allocating financial resources by identifying and evaluating needs, prioritizing them in order to meet goals, and monitoring the achievement of those goals.

Empower includes a budgeting section to help you set monthly spending targets and track your spending. They automatically import the information from linked accounts such as checking, savings, and credit card statements.

Using their free online financial dashboard, allows you to track your spending and investments. There are interactive charts, graphs, pie-charts, and even widgets. All to make sure your budgeting is on track.

Investment Checkup

This portfolio analysis is the process of measuring performance and risk in order to develop a strategy for capital allocation. The goal of portfolio analysis is to improve return on investment, which can be achieved by increasing return on assets, decreasing the risk of losses, or reducing the variance.

The Empower app lets you explore your entire portfolio visually. It also provides asset allocation tools and tax optimization tools to help manage a person’s financial life.

Fee Analyzer

A fee analyzer helps people to determine the annual fees they are paying in their retirement plan.

401K Analyzer also calculates how much your retirement is costing you and provides a breakdown of any hidden fees that may be present within mutual funds with which it has been linked. This Retirement Planner tool uses assumptions about account holdings and investment behavior for calculating expenses against an estimated portfolio value.

Consequently, these fees add up over time and will drastically put a drag on your portfolio and reduce your retirement savings.

Empower Dashboard is Free

Just remember, you do not need to hire an advisor to use the platform.

Empower is a free tool for individual investors.

Empower provides users with access to all of the above-mentioned advanced tools for free. In addition, they offer free financial advice through their blog and social media pages.

It allows users to track their investments and get a personalized financial plan. The service also offers apps for iOS and Android devices, which makes it easy to manage finances on the go.

Empower Wealth Management Review of Services

In addition to offering free financial tools, Empower provides wealth management services.

You get to work one-on-one with an advisor who will give you personalized advice based on your situation.

They help you to invest, save money and track your financial goals.

Their advisors start by determining your risk tolerance and goals in order to construct the best personal financial plan for you.

If you are interested in getting a better understanding of your financial situation, Empower is an excellent option. It gives users the tools to understand their investments, budgets, and cash flow all with one app.

All it requires is that you sign up for free without any obligations or commitments from them whatsoever. You do not have to agree to use their wealth management program.

Personally, I cannot comment on an Empower advisor review as I have not used this service personally.

Empower Investment Strategy

The Empower investment strategy is a simple way to invest your money for the long-term.

This means that you will be able to retire and live a comfortable life without any concern about how you will be able to live.

They employ the tactic called Smart Weighting because they invest equally across all sectors and industries, which can provide diverse returns with minimal risk. The best part of this strategy is it’s easy to use as Empower has created an interface that makes portfolio management simple for users on any device or platform.

Empower’s software is able to identify tax-loss harvesting opportunities (opportunities where the investor sells an investment after it has fallen in value and pays fewer taxes than if the sale had occurred earlier) than investing on their own.

In addition, Empower invests passively for cost efficiency which means that they don’t take any active management into account.

The best part about Empower and one of the key areas I prefer, is they include socially responsible investments as well as an investment strategy to fit any budget.

They identify which companies are doing good work for society and invest in them accordingly. This feature makes personal finance much more interesting and easier than ever before!

Wealth Management Tiers

Many people invest in various financial services and products, such as mutual funds or stocks. They are promised that these investments will generate a good return, but they do not always make the best choice. Wealth management services are a way to help people manage their personal investments. They may charge fees for their service, but that is not always the case.

Depending on your level of assets, will determine the amount of services you will receive.

Investment Services:

This is the most basic level to receive financial and retirement planning guidance from their team of experts.

  • $100K in investment assets
  • Unlimited advice from any of the available financial advisors
  • Managed ETF portfolio

Wealth Management:

This is where you can receive more personalized services and dedicated support to manage your money as you move through new financial challenges.

  • $200K minimum in investment assets
  • Two dedicated financial advisors
  • Access to specialists in real estate, stock options, and more
  • Regular reviews on your customized portfolio
  • Tax optimization

Private Client :

This is the most exclusive level at Empower to help you receive comprehensive financial planning. They will help build a customized investment plan to reach your lifestyle goals.

  • over $1 million in investment assets
  • Two dedicated financial advisors
  • Priority access to specialists
  • In-depth retirement and wealth planning

Wealth Management Fee Structure

Empower charges only an all-inclusive annual management fee at a fraction of the cost of traditional financial institutions. In addition, they do not charge hidden fees, trailing fees, or trade commissions.

  • First $1 million = .89%
  • First $3 million = .79%
  • Next $2 million = .69%
  • Next $5 million = .59%
  • Over $10 million = .49%

Overall, if you want a financial advisor or a second opinion, using Empower wealth management services may be for you.

Even if you don’t join, you can still use the tools for free, no questions asked.

My Empower Review from Experience

I have had a lot of experience using Empower in the past. They provide snapshot financial pictures of your personal situation that are very informative.

Plus it is a free tool to use, which is always a bonus.

Empower is one of my favorite online tools to see all your finances in one place.

It is eye-opening to see the overall picture. Also, tracking investments across multiple accounts can be overwhelming, but they make the process seamless and help you stay on top of things.

Personally, my favorite tools are the net worth, fee analyzer, and retirement planner.

I use Empower in conjunction with Quicken. Read my Quicken review.

My Empower dashboard is my overall financial picture whereas Quicken tracks all of my day-to-day spending and helps me remember when we purchased something for a return.

The app has a convenient interface that makes managing your personal financial situation easy, even if you’re not familiar with finance jargon or investing terminology. With this tool at hand, keeping track of where everything stands financially becomes easier than ever before!

Just to note… to get the best financial picture, you must include all of your accounts. The more time you spend in the Empower dashboard, the more helpful analysis you will get from the tool.

Empower Alternatives

In addition to Empower, there are other financial apps that can help you allocate your portfolio.

These include Betterment with Wealthfront also being a viable option for those who want the best of both worlds by tracking their investments in stocks and bonds. However, these alternatives have much higher fees than what is charged by Empower which makes it an appealing alternative if the fee does not bother you.

Also, if you are looking for budgeting capabilities you may want to look at Quicken, Mint, YNAB, or Simplifi.

At the end of the day, you have to decide what your goals are and what you are looking for.

From all of the free and paid budgeting apps, here are our top budgeting apps to check out!

This section may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. Please read the full disclosure below.

Personal Capital Advisors Corporation (“PCAC”) compensates Money Bliss  (“Company”) for new leads. (“Company”) is not an investment client of PCAC.

Personal finance and money management software allows you to manage spending, create monthly budgets, track investments, retirement and more.

Save 40% off on new memberships.

Enjoy guilt-free spending and effortless saving with a friendly, flexible method for managing your finances.

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Personal Capital is wealth management for the Internet Age. The online platform combines digital technology with highly personalized service to provide a holistic view of a unique financial picture (AKA your net worth). 

Make sure to connect all of your accounts within 7 days to set up your Personal Financial dashboard.

Tiller is the only tool that automatically updates Google Sheets and Microsoft Excel with your spending, transactions, and balances each day. 

Start your free trial.

Automate your financial plan with set-and-forget money tools that fit right into your daily life.

That’s why Qapital puts your goals front and center, then helps you plan your spending, saving, and investing around them.

Manage your money less in 5 minutes each week. Reach your money goals with confidence! The personal finance app gives you something to look forward to. 

“The easiest, most comprehensive way to both see where your money is going and plan for future expenses.”

Your automated financial assistant and budget tracker are designed to put you back in control of your money.

Stay on top of your spending, easily track bills, cancel unwanted subscriptions, and find ways to improve! 

Photo Credit:
moneybliss.org

HoneyMoney increases your awareness about your money habits. Being fully aware of your money naturally changes how you spend it.

Great way to use cash flow budgeting. Plus uses “envelopes” to budget.

Start your free trial.

Moneyspire is user-friendly personal finance and small business accounting software that brings your entire finances together in one place.

Have total control over your financial life in one click.

Is Empower right for you?

Empower is a company that offers tools for personal finance management. This app has more than one hundred different tools to help you with your finances, including monthly budgeting and investing tracking.

Empower also helps people manage their credit card debt, establish emergency funds, track retirement savings progressions, calculate their net worth, and much more!

The smartphone app integrates locations, bank accounts, and credit scores which allows users to access current information on their financial situation.

The online portal allows for comparing available investment options.

This tool allows people to plan out the future of their money as well as provides them with valuable financial information in an easy-to-read format so they can make informed decisions.

As stated before, Empower is a financial app that can help you manage your investment assets. It has many features and it’s not perfect, but it’s the best out there in terms of value for money.

You can always test drive it and see what you learn about your personal finance situation.

Now you can try it free (no credit card required!)

Know someone else that needs this, too? Then, please share!!

Source: moneybliss.org