Gentleman/Lady Nike Women's WMNS Free RN Distance 2, Hyper Violet/White-Dark IRIS-Ghost Ideal gift for all occasions luxurious comfortable VW13342,
SKECHERS Skech-Flex 2.0 - High KnollNike Free Tr Connect Fitness Women's Shoes,LADY Prada Pink Suede Espadrille/Cork Wedges a good reputation in the world,Mr/Ms Nike Women's Wmns Dualtone Racer PRM, VAST GREY/SAIL-PARTICLE ROSE Beautiful design modern Simple HW14564,Nike Women's Special Field Air Force 1 Mid Black/Hazel Sizes 6-10 - AA3966 003Man's/Woman's:Nike Training shoes 11.5:Customer First,Man/Woman:nike foamposite size 10.5:Easy-To-Clean Surface,Gentlemen/Ladies Under Armour Kids' Boys’ Pre School X Level Ninja Running Shoe selling price Fast delivery wonderful VH10203,Mr/Ms:nike lebron 9 china:Good Young Goods,Man/Woman Men's Air Cushion Sports Running Shoes New Casual Walking Sneakers Mid Basketball Shoe for boy Best-selling worldwide Impeccable Elegant and solemn HN9647,Nike Air Force 1 Hi Premium Light Bone/Light Bone 654440-004 Women's SZ 10NEW Nike Golf FI IMPACT 2 Shoes Pink Womens Size 7 - 776093600 PINK,NIKE SUPERFLY 360 ELITE FG ID ACC SOCCER CLEAT BLACK/WHITE MEN 9.5,Gentleman/Lady Nike Men's Air More Uptempo PRM, WHEAT-FLAX/FLAX-GUM LIGHT BROWN Year-end special promotions High quality and economy Outstanding style HH14494,Gentleman/Lady strengths Kids LED Light up Shoes Luminous Flashing Sneakers for Boys Girls (Toddler/Little Kid/Big Kid) the most convenient a wide range of products renewed on time HA11384,Fendi Black Pyramid Stud Blue Green Slip On Flat Trainer Sneakers 39 Sneakers,Jimmy Choo Black Gold Silver Suede Panama Round-toe High-top Sneakers Sneakers,Gentlemen/Ladies Nike Men's Air Vapormax Flyknit 2, Black/Dusty Cactus/HOT Punch Adequate supply and timely delivery discount As of the latest model NV14261,Gentlemen/Ladies Hangpuzhend New Shoes Woman Sexy Thick High Heels Platform Pumps OL Ladies Office Shoes Elegant shape Elegant and sturdy packaging a wide variety of goods HR8160,Womens Nike Shox NZ NS Bright Citrus Running Shoes. Size 7.5. Great Condition!!!,NIKE HUARACHE RUN PREMIUM GREY SAIL GUM RUNNING WOMENS SZ 6.5 * 683818-012 *Gentleman/Lady AND1 Men's Coney Island Classic Basketball Shoe Excellent value Fine art The first batch of customers' comprehensive specifications HB9450,Wallis CELEBRATE - Classic heels,Brand New Wmn Sz 6.5 Nike Free RN 2017 Blk Blk BlkWomen's Nike Air Zoom Structure 20 Running Shoes Size 6.5 849577 006 NIB,Burberry - Khaki Leather "Nova Check" & Logo Hi-top Sneakers Sz: M Sneakers,Men's/Women's Nike Women's Wmns Zoom Winflo 4, BLACK/WHITE-DARK GREY High grade New in stock Good quality BW13763,Nike Wmns Zoom All Out Flyknit Running Womens Shoes White Black 845361-100Adidas CLOSED Sandals - emerald,Cruyff RECOPA CLASSIC - Trainers,


With Investor Phil Town

User Name just applied for
a Rule #1 Workshop Scholarship!

Ready to join us?

Sign up for the live event

Now that the new year is here, many of us have committed ourselves to changing the way we live for the better. Some of the most important things people focus on, especially in the new year, are personal finance, saving, and investing.

Achieving financial independence is an admirable goal, but very few people know where to start. If you’re starting to take steps towards financial freedom this year, here are seven tips you should follow to set financial goals for the new year.

1) Assess Where You Are

Setting financial goals is crucial, but before you can set any goals, you need to know where you currently are. Look through your savings, debts, and investments. Assessing your financial status may feel stressful, but gaining this knowledge will allow you to set realistic goals for the year.

2) Set a Budget and Stick to it

One of the best things you can do for your finances is set a budget. The budget should be achievable. Make sure that your housing, food, and utility costs are around what you usually pay.

Now is the perfect time to plan your retirement savings as well. More on that in a minute…

3) Pay Off Your Debt

Debt is a significant burden and can prevent you from achieving your financial dreams. Start paying off your debts now. Interest is stealing your money from you. If you’re making 15% in the stock market, but paying 18% in interest, you’re losing money.

Commit to paying off debts now, and you’ll be able to keep the money that you invest in the future.

4) Plan for Retirement

Retirement is coming, and you should be preparing for it. You need to discover exactly how much you need to retire. Thankfully, I have a calculator on my website to find the exact number that you need to retire. Knowing your number will help put your savings into perspective.

Planning for retirement is always an excellent financial goal, and the new year is the best time to focus on it.

5) Stay Organized

Setting budgets and goals are great, but these efforts are futile if you do not have a plan to stay on track.  Staying organized is a critical step to meeting your financial goals this year. There are several tools and budgeting apps out there that can help you remain on track. When it comes to your personal budget, the more organized you are the better.

6) Establish an Emergency Fund

Everyone is vulnerable to unforeseen emergencies. Without proper planning, your budget could fall apart should one arise. If you haven’t already done so, it’s important to establish an emergency fund. This will protect you if you experience any sort of unexpected emergency without breaking the bank.

Item specifics

New without box: A brand-new, un, and un item (including handmade items) that is not in original packaging or ... Read moreabout the condition


US Shoe Size (Women's): US 6.5 Product Line: Nike Zoom


Your fund should be at least 2 to 3 months worth of expenses. This fund may take a while to establish, but the personal financial freedom you gain from having it is worth the wait.

7) Review Your Investment Accounts

If you’re already investing, you’re on the right track. However, if you have a financial advisor, you’re probably not making the returns that you could be making. Most advisors will put your money in funds with high fees and high commissions. You need to be aware of where your money is going so you don’t lose it due to lack of knowledge.

Now is a great time to get a little education in investing and start making some changes. You could commit to learning Rule #1 right now and start getting greater returns with less risk than your financial advisor is taking with your money right now.

Does that sound like a good New Year’s resolution?

This year brings new possibilities for everyone. What do you want to achieve this year? Consider your financial goals and start taking the steps to achieve them now.

Make it easier for yourself with this 12 Month Financial Planner that I’ve created for you. By reviewing the clear benchmarks, reviewing the monthly list of promises, adding your own, and completing challenges. Celebrate each win, no matter how big or how small, and you’ll notice how much more fun it becomes to do something that you initially thought would be ‘work’.

Whether you start this in January, or put the planner into use halfway through the year, the promises and challenges will work for you and help get you focused on the financial success you’ve been striving for.


Phil Town is an investment advisor, hedge fund manager, 3x NY Times best-selling author, ex-Grand Canyon river guide and a former Lieutenant in the US Army Special Forces. He and his wife, Melissa, share a passion for horses, polo, and eventing. Phil’s goal is to help you learn how to invest and achieve financial independence. You can follow him on google+, facebook, and twitter.

Swedish hasbeens MIRJA - Clogs,