In this episode, we discuss the importance of having a financial freedom account and how you can increase your automation to achieve your financial goals. The Velocity Money Machine is built around the idea of having a financial freedom account, and you don't have to invest if you don't want to. You can opt for high-yield savings accounts that can earn you up to 4% interest, which is significantly better than what banks offer.   Paul challenges listeners to look at their automation and identify which accounts they can increase. It could be your fun account, your Quick Access account, or your financial freedom account. Even small increases, like adding $1 to your fun account or $2 to your Quick Access account, can compound and add up to more money over time.   He also encourages listeners to increase their automation when they get a raise. You don't have to stress about saving all your money and not having any fun. The key is to have a balance between saving and having fun. By creating these accounts and making small increases, you can achieve financial freedom and change your life for the better.   So, look for opportunities to improve and increase your automation. Every little bit counts, and it will help you achieve your financial goals. With the Velocity Money Machine, you can create automations that work for you, so you can sit back, relax, and watch your money grow. Connect with Me: Website - https://www.fightforyourfinances.com/ Facebook Page - https://www.facebook.com/HalmeBJJ  Instagram - https://www.instagram.com/paul.halme/  Youtube - https://www.youtube.com/channel/UCECyQdVB7eF8g4_juz9jJ7w  Tiktok - https://www.tiktok.com/@paulhalme  Twitter - https://twitter.com/PaulHalme  LinkedIn - https://www.linkedin.com/in/paul-halme/

In this episode, we talk about how you can retire as a millionaire even if you're 45 years old and haven't saved anything yet.    To retire as a millionaire at 65, you need to save $1,340 per month at a 10% rate of return. It's going to hurt a little bit but it's worth it. You need to dedicate the next 20 years of your life to putting money away and investing in the market.   For those who can't afford to save $1,340 right away, Paul suggests starting with $500 and adding $100 every month until you reach the target amount. And if you receive a bonus or a raise, use it to make up the difference.   You need to get started now, even if you're already 50 years old or older. The Velocity of Money Machine is an amazing tool that can help you automate your savings and investments, allowing you to focus on other aspects of your life.   Don't get down if you haven't saved anything yet, you can still retire as millionaires as long as you get in the habit of saving and investing. Keep the foot on the gas, up your savings, and enjoy your retirement. Connect with Me: Website - https://www.fightforyourfinances.com/ Facebook Page - https://www.facebook.com/HalmeBJJ  Instagram - https://www.instagram.com/paul.halme/  Youtube - https://www.youtube.com/channel/UCECyQdVB7eF8g4_juz9jJ7w  Tiktok - https://www.tiktok.com/@paulhalme  Twitter - https://twitter.com/PaulHalme  LinkedIn - https://www.linkedin.com/in/paul-halme/ 

In this episode, we're talking about the importance of fun account planning. After surviving the holidays and getting through the January blues, it's time to plan something fun to keep yourself motivated and happy. The Velocity of Money Machine includes a fun account for this purpose, and in this episode, we'll discuss how to use it to enjoy the journey while building our financial empires.   The fun account in the Velocity of Money Machine is specifically designed to help you plan and enjoy something fun. Consider a staycation, a hotel downtown for two nights, or a fancy dinner. The point is to enjoy the journey while you're building your financial future.   Life can be stressful, and it's essential to find time to have fun and enjoy the journey. February can be a particularly gloomy month, so it's crucial to plan something fun to keep your spirits up.   Connect with Me: Website - https://www.fightforyourfinances.com/ Facebook Page - https://www.facebook.com/HalmeBJJ  Instagram - https://www.instagram.com/paul.halme/  Youtube - https://www.youtube.com/channel/UCECyQdVB7eF8g4_juz9jJ7w  Tiktok - https://www.tiktok.com/@paulhalme  Twitter - https://twitter.com/PaulHalme  LinkedIn - https://www.linkedin.com/in/paul-halme/

In this episode, we will discuss how to retire as a millionaire when you are 40 years old. Many of us may think it's too late to start saving for retirement at this age, but with the right strategies and commitment, it's still possible to achieve financial freedom. We'll talk about how much you need to save, how to invest, and what steps you can take to make the most of your retirement savings.   At 40, you have lost many years of savings, but it's not too late to start. The more money you make, the more you need to save. Make a commitment to save a specific amount each month, no matter how small. Even if you start at 40, you can still accumulate a million dollars by the time you retire. If you invest $775 per month at a 10% annual return, you'll be a millionaire in 25 years.   Connect with Me: Website - https://www.fightforyourfinances.com/ Facebook Page - https://www.facebook.com/HalmeBJJ  Instagram - https://www.instagram.com/paul.halme/  Youtube - https://www.youtube.com/channel/UCECyQdVB7eF8g4_juz9jJ7w  Tiktok - https://www.tiktok.com/@paulhalme  Twitter - https://twitter.com/PaulHalme  LinkedIn - https://www.linkedin.com/in/paul-halme/

In today's episode, we're discussing a simple travel hack that can help you save money and increase your financial freedom. A travel hack for maximizing rewards and benefits while staying at hotels. By matching your credit card to your hotel, you can increase your savings and earn more rewards. By matching your credit card to your hotel, you can enjoy the following benefits: Increased rewards and benefits. Access to exclusive perks and discounts. Better overall experience during your stay. Connect with Me: Website - https://www.fightforyourfinances.com/ Facebook Page - https://www.facebook.com/HalmeBJJ  Instagram - https://www.instagram.com/paul.halme/  Youtube - https://www.youtube.com/channel/UCECyQdVB7eF8g4_juz9jJ7w  Tiktok - https://www.tiktok.com/@paulhalme  Twitter - https://twitter.com/PaulHalme  LinkedIn - https://www.linkedin.com/in/paul-halme/

In this episode, we’ll be discussing a relevant topic for those who are 35 years old and seeking to retire as a millionaire.  If you're 35 years old, you're still in a great spot to retire as a millionaire. By investing $450 a month, building a diversified investment portfolio, and staying focused on your goals, you can achieve financial freedom and retire as a millionaire. Connect with Me: Website - https://www.fightforyourfinances.com/ Facebook Page - https://www.facebook.com/HalmeBJJ  Instagram - https://www.instagram.com/paul.halme/  Youtube - https://www.youtube.com/channel/UCECyQdVB7eF8g4_juz9jJ7w  Tiktok - https://www.tiktok.com/@paulhalme  Twitter - https://twitter.com/PaulHalme  LinkedIn - https://www.linkedin.com/in/paul-halme/

In this episode, I'll give you quick tip. Are you and your spouse on the same page when it comes to your finances? February is the perfect time to plan a money date before Valentine's Day to discuss your financial goals. Set a goal to plan a money date before Valentine's Day. Discuss last year's financial situation and plan for the current year. Identify areas for improvement and set quarter-by-quarter goals. Use the money date as an opportunity to communicate and plan together. Make the most of your Valentine's Day by enjoying each other's company without the stress of discussing finances. .Connect with Me: Website - https://www.fightforyourfinances.com/ Facebook Page - https://www.facebook.com/HalmeBJJ  Instagram - https://www.instagram.com/paul.halme/  Youtube - https://www.youtube.com/channel/UCECyQdVB7eF8g4_juz9jJ7w  Tiktok - https://www.tiktok.com/@paulhalme  Twitter - https://twitter.com/PaulHalme  LinkedIn - https://www.linkedin.com/in/paul-halme/ 

In this episode, we’re talking about becoming a millionaire at the age of 25. The power of starting early, if you're 25 or 26, you have the opportunity to retire as a millionaire without much effort.   The first step is to set up an investment plan that automatically invests your money.  Investing in the S&P 500, which has a historical average return of 10%. A small investment can go a long way. By investing just $160 a month into the S&P 500, you can retire with over $1 million at age 65. As you receive promotions and raises, consider increasing your investment amount to reach your financial freedom goals faster.   By starting early and investing consistently, you can reach financial freedom and retire as a millionaire by age 65.   Take action now: Don't wait, start today and make your financial freedom a reality.   Connect with Me: Website - https://www.fightforyourfinances.com/ Facebook Page - https://www.facebook.com/HalmeBJJ  Instagram - https://www.instagram.com/paul.halme/  Youtube - https://www.youtube.com/channel/UCECyQdVB7eF8g4_juz9jJ7w  Tiktok - https://www.tiktok.com/@paulhalme  Twitter - https://twitter.com/PaulHalme  LinkedIn - https://www.linkedin.com/in/paul-halme/ 

In this episode, we share a quick tip on the importance of communication and goal-setting in the pursuit of financial freedom.   If you're a husband or partner listening to this episode, we have a tip specifically for you: take some time to ask your spouse what their big money goal is for the year. This is an important step in building a strong financial foundation as a couple.   It can be easy for men, in particular, to get caught up in their own goals and plans without considering their partner's desires and aspirations. But by taking the time to ask your spouse what they want and what their big money goal is for the year, you can better understand their priorities and work together to create a plan that aligns with both of your goals.   This is a simple but powerful way to improve communication and build a strong foundation for financial success as a couple. So don't skip this step - take the time to ask your spouse what their big money goal is for the year and work together to achieve it. Connect with Me: Website - https://www.fightforyourfinances.com/ Facebook Page - https://www.facebook.com/HalmeBJJ  Instagram - https://www.instagram.com/paul.halme/  Youtube - https://www.youtube.com/channel/UCECyQdVB7eF8g4_juz9jJ7w  Tiktok - https://www.tiktok.com/@paulhalme  Twitter - https://twitter.com/PaulHalme  LinkedIn - https://www.linkedin.com/in/paul-halme/ 

In this episode, we discuss the importance of maintaining momentum in the pursuit of financial freedom and success.   As the month of January comes to a close, it's easy to start feeling like you can let off the gas and take it easy. But now is the time to really focus and put in the work to set yourself up for success. This is what we call "separation season," a time when you can really get ahead by making extra efforts and adding momentum to your progress.   There are lots of small things you can do to add momentum to your progress, like going to the gym one extra day a week, walking an extra 2,000 steps a day, or following up with one more client or lead. The key is to always be looking for ways to do "one more" thing to move forward and make progress.   Don't let off the gas in January and risk falling into the same trap as so many others who start the year with big plans but quickly lose steam. Remember, momentum is key to achieving financial freedom and success, so keep pushing forward and making the most of each day.   Connect with Me: Website - https://www.fightforyourfinances.com/ Facebook Page - https://www.facebook.com/HalmeBJJ  Instagram - https://www.instagram.com/paul.halme/  Youtube - https://www.youtube.com/channel/UCECyQdVB7eF8g4_juz9jJ7w  Tiktok - https://www.tiktok.com/@paulhalme  Twitter - https://twitter.com/PaulHalme  LinkedIn - https://www.linkedin.com/in/paul-halme/ 

In this episode, we share a quick tip on how to review your credit card offers for travel perks and benefits.   One of the best travel hacks is to get a co-branded credit card linked to your preferred airline. This way, you can earn rewards and benefits specific to that airline. For example, if you frequently fly American Airlines, you should consider getting a credit card that is co-branded with American Airlines. This will allow you to earn rewards and perks on all of your flights with that airline.   Another option is to use a credit card like American Express, which offers a wide variety of rewards and perks for travelers. However, it's important to review the offers carefully and make sure you are taking advantage of all the benefits available to you. Sometimes, you may need to claim an offer in order to receive it, even if you are using your credit card.   So, take a little time to review your credit card offers and see what travel perks and benefits are available to you. This can help you plan your next trip and make the most of your credit card rewards. Remember, it's all about maximizing your rewards and taking advantage of every opportunity to save money and earn bonuses. Connect with Me: Website - https://www.fightforyourfinances.com/ Facebook Page - https://www.facebook.com/HalmeBJJ  Instagram - https://www.instagram.com/paul.halme/  Youtube - https://www.youtube.com/channel/UCECyQdVB7eF8g4_juz9jJ7w  Tiktok - https://www.tiktok.com/@paulhalme  Twitter - https://twitter.com/PaulHalme  LinkedIn - https://www.linkedin.com/in/paul-halme/  

In this episode, we discuss the importance of setting a positive mindset in the pursuit of financial freedom and success.   It's the beginning of a new year, and you've probably already got a lot of planning and goal-setting to do. It's natural to want to start the year off with a fresh and clean slate, but sometimes things can get overwhelming.   When stress and anxiety start to set in, it's important to take a step back and focus on the most important tasks at hand. Take a sheet of paper and write everything out, then take a break and do something that allows you to clear your mind, like going for a walk or playing with your kids.   Once you've tackled the most pressing tasks and gotten them off your plate, it's time to set a positive mindset and remind yourself that you've got this. You've taken care of the important things and can now move forward with confidence and determination.   We hope this episode helps you to start the new year off on the right foot and set yourself up for financial success!   Connect with Me: Website - https://www.fightforyourfinances.com/ Facebook Page - https://www.facebook.com/HalmeBJJ  Instagram - https://www.instagram.com/paul.halme/  Youtube - https://www.youtube.com/channel/UCECyQdVB7eF8g4_juz9jJ7w  Tiktok - https://www.tiktok.com/@paulhalme  Twitter - https://twitter.com/PaulHalme  LinkedIn - https://www.linkedin.com/in/paul-halme/ 

In this episode, we'll be discussing the importance of life insurance in the pursuit of financial freedom and security.   As entrepreneurs and business owners, it's essential to think and plan ahead for the unexpected. If you have a spouse and children, and you are the primary breadwinner of your family, it's especially important to consider getting a life insurance policy.   The lack of life insurance can be a major source of stress for families, especially in the event of the breadwinner's untimely demise. By getting a life insurance policy, you can remove that stress and provide your loved ones with a secure financial future, even if you're no longer around to provide for them. So if you have a family that relies on you financially, it's essential to consider getting a life insurance policy. Take the time to think about the amount of money your family will need in the event of your passing, and make sure you have a plan in place to provide for them. Your loved ones will thank you for it.   Connect with Me: Website - https://www.fightforyourfinances.com/ Facebook Page - https://www.facebook.com/HalmeBJJ  Instagram - https://www.instagram.com/paul.halme/  Youtube - https://www.youtube.com/channel/UCECyQdVB7eF8g4_juz9jJ7w  Tiktok - https://www.tiktok.com/@paulhalme  Twitter - https://twitter.com/PaulHalme  LinkedIn - https://www.linkedin.com/in/paul-halme/

In this episode, we'll be talking about financial freedom and the importance of building a money machine. So, what is a money machine and why is it so important? A money machine is a system you can use to build up your savings and create financial freedom. It's all about building up your savings on the front end, so that you can have a solid foundation for your financial future. The most important thing when it comes to building a money machine is to get started. It may be slow going at first, but the key is to build the habit of consistently adding to your savings. With time and dedication, you'll soon see the fruits of your labor and be well on your way to achieving financial freedom. Remember, building a money machine is all about creating a habit of saving and investing in your future. So start building yours today and take control of your financial future! Connect with Me: Website - https://www.fightforyourfinances.com/ Facebook Page - https://www.facebook.com/HalmeBJJ  Instagram - https://www.instagram.com/paul.halme/  Youtube - https://www.youtube.com/channel/UCECyQdVB7eF8g4_juz9jJ7w  Tiktok - https://www.tiktok.com/@paulhalme  Twitter - https://twitter.com/PaulHalme  LinkedIn - https://www.linkedin.com/in/paul-halme/ 

In this episode, we discuss the importance of destressing and having fun. The holidays are a busy and often stressful time, with lots of activities, gift-giving, and merry-making. But it's important to remember to carve out time for some real fun, too.   That's why we're starting the new year off with a bang by suggesting you do something fun and enjoyable. It doesn't have to cost much - the most important thing is that you have a good time. So go ahead and put it in your calendar, and make a commitment to forget about the stresses of the world for a few hours and just enjoy yourself. You deserve it! We hope this episode inspires you to start the new year off on a positive and enjoyable note. Remember, taking time for fun and relaxation is an important part of taking care of yourself and maintaining a healthy balance in your life. Connect with Me: Website - https://www.fightforyourfinances.com/ Facebook Page - https://www.facebook.com/HalmeBJJ  Instagram - https://www.instagram.com/paul.halme/  Youtube - https://www.youtube.com/channel/UCECyQdVB7eF8g4_juz9jJ7w  Tiktok - https://www.tiktok.com/@paulhalme  Twitter - https://twitter.com/PaulHalme  LinkedIn - https://www.linkedin.com/in/paul-halme/ 

In this episode, we’re talking about sticking to your plans and making it happen. This year is the time to stick to your plans and make things happen. That's why we're dedicating this episode to helping you take a thorough look at your goals for the year.   We'll be talking about the importance of setting specific, achievable goals in all areas of your life, including health, family, finances, and investing and savings. We'll also be discussing the importance of having a detailed plan and making a commitment to stick to it. This is a great opportunity to sit down with your spouse and have an open and honest conversation about your goals and how you can work together to achieve them. Remember, it's important to be specific and write your goals down so that you can track your progress and stay motivated. We hope this episode will inspire you to make the most of this year and achieve all that you set out to do!   Connect with Me: Website - https://www.fightforyourfinances.com/ Facebook Page - https://www.facebook.com/HalmeBJJ  Instagram - https://www.instagram.com/paul.halme/  Youtube - https://www.youtube.com/channel/UCECyQdVB7eF8g4_juz9jJ7w  Tiktok - https://www.tiktok.com/@paulhalme  Twitter - https://twitter.com/PaulHalme  LinkedIn - https://www.linkedin.com/in/paul-halme/ 

In this episode, we discuss the importance of financial education and how it can benefit your journey towards financial freedom.    It's not uncommon for people to feel like they don't have a strong understanding of money management, but this is often because financial education is not emphasized in the traditional education system. However, it's never too late to start learning and improving your financial knowledge.    There is a wealth of free information available, from podcasts and blogs to CNBC and other financial news sources. Consider joining a mentorship program or purchasing courses from experienced financial experts to get more hands-on guidance and support.    Don't blame yourself for not knowing what you weren't taught – take control of your financial future and start educating yourself today. Connect with Me: Website - https://www.fightforyourfinances.com/ Facebook Page - https://www.facebook.com/HalmeBJJ  Instagram - https://www.instagram.com/paul.halme/  Youtube - https://www.youtube.com/channel/UCECyQdVB7eF8g4_juz9jJ7w  Tiktok - https://www.tiktok.com/@paulhalme  Twitter - https://twitter.com/PaulHalme  LinkedIn - https://www.linkedin.com/in/paul-halme/ 

In this episode, we discuss the importance of talking to your spouse about your financial situation.    It's crucial to be on the same page when it comes to managing your money and working towards financial freedom. Don't be afraid to talk to your spouse about your investments or any mistakes you may have made – open and honest communication can help avoid conflict and build a stronger foundation for your financial future. Consider setting aside time for regular "money dates" to discuss your financial situation and make plans for the future.    Remember, talking about money can be a powerful tool for improving your financial situation, so don't be afraid to have open and honest conversations with your spouse about your financial goals.   Connect with Me: Website - https://www.fightforyourfinances.com/ Facebook Page - https://www.facebook.com/HalmeBJJ  Instagram - https://www.instagram.com/paul.halme/  Youtube - https://www.youtube.com/channel/UCECyQdVB7eF8g4_juz9jJ7w  Tiktok - https://www.tiktok.com/@paulhalme  Twitter - https://twitter.com/PaulHalme  LinkedIn - https://www.linkedin.com/in/paul-halme/

In this episode, we discuss the importance of starting your financial freedom plan and taking action toward achieving your financial goals.  It's easy to put off planning for the future, but the sooner you start, the better. Don't be afraid to speak with financial advisors or open accounts with small amounts of money.  It's important to have a clear plan and goal in mind for your financial freedom journey and to consider your risk tolerance and asset allocation when investing. Target date funds and managed services can simplify the process, and setting up a "fun" or "Quick Access" account can help you start building wealth and making progress towards financial freedom.  Remember to continuously review and adjust your plan as needed. Don't wait until it's too late – take control of your financial future and start working towards financial freedom today.   Connect with Me: Website - https://www.fightforyourfinances.com/ Facebook Page - https://www.facebook.com/HalmeBJJ  Instagram - https://www.instagram.com/paul.halme/  Youtube - https://www.youtube.com/channel/UCECyQdVB7eF8g4_juz9jJ7w Tiktok - https://www.tiktok.com/@paulhalme  Twitter - https://twitter.com/PaulHalme  LinkedIn - https://www.linkedin.com/in/paul-halme/

In this episode, we discuss the importance of lounge access for stress-free travel.    Lounge access can make a big difference in your travel experience by providing a comfortable space to relax and unwind before or after a flight. Some airlines and credit cards, such as American Express, American Airlines, and Delta, offer lounge access as a benefit. Make sure to take advantage of this perk if it's available to you, and enjoy your travels even more.    Key takeaway: Lounge access can significantly improve the travel experience by reducing stress and providing a comfortable space to rest and refresh.   Connect with Me: Website - https://www.fightforyourfinances.com/ Facebook Page - https://www.facebook.com/HalmeBJJ  Instagram - https://www.instagram.com/paul.halme/  Youtube - https://www.youtube.com/channel/UCECyQdVB7eF8g4_juz9jJ7w  Tiktok - https://www.tiktok.com/@paulhalme  Twitter - https://twitter.com/PaulHalme  LinkedIn - https://www.linkedin.com/in/paul-halme/