Are You Average?

I wanted to share this flyer as we head into the busiest shopping season. I know. We don’t want to think about this now. Maybe it’s way better to buy now and fret later. But why?  Not preaching. Just sharing, as right now financially, I’m pretty average.  

Join me on my journey to financial freedom, if you wish.


Pursuing Financial Peace

I’m on a special journey. One that promises to see me debt free in less than three years. I’m really focused on getting out of debt because debt is blocking my path to wealth, joyful service, and my dream of traveling the world. I also want a cottage by the sea where I can plant a garden.

I don’t want to worry about bills. I don’t want to do work that suck the life out of me. I want to live my highest self. How can I do that when I’m watching my money walk out the door daily…never to return? How can I be my highest self…playing the piano…learning French…when all these hands are in my pockets…my wallet….my bank account? Is the 0.01% I get on my savings account really interest or is it a slap in the face? Does paying 24% interest on a latte or a pair of shoes really make sense? Another slap in the face but this time it’s my hand that’s slapping me. Geez! Debt is really dumb.

So with the help of Dave Ramsey’s Financial Peace University (FPU) I’m getting a total money makeover. Why do I need to pursue financial peace? Because the borrower is slave to the lender and who wants to be a slave? Where’s the fun in that?

You can say what you want about Dave Ramsey and his plan. But if there’s a better plan for middle class families, stuck in the quicksand of debt to become debt free and get on a path to financial freedom, I’ll certainly try it but I don’t think such a plan exists.

So on January 11, 2018 I’ll be leading a 9 week FPU class in Brooklyn. If you are able to why not join me on my journey. Maybe you too can find your way through the dark tunnel of debt into the light of financial peace.

It’s time.

5 Link Friday

This marks the first in a new series: 5 Link Friday.  I will post five links to web pages I’ve been reading and/or that may have been of help to me.  Hope you like it. Enjoy and share if you do. Hope you find them as helpful as I have.

Today, I’m sharing five websites that have helped shaped my beliefs about taking care of my mind and body.  The authors of these sites and their guests have helped me understand how to chose good foods to put into my body. They also remind me that when it comes to my body, no one knows it like I do.  Note: Not paid links.

The Truth About Cancer – Hear the experience of others who have suffered through this deadly disease. What causes cancer?  Are we doomed to it’s effects?  Is there a cure?  Bit by bit you will uncover truths you never knew about this disease that has destroyed too many lives.  You may also want to check out Chris Beats Cancer as well.

The Gabriel Method – Jon Gabriel, the author of the website has used his story of how he shed over 200 lbs mostly by using visualization to build a portfolio of helpful techniques that can guide you through your most difficult weight loss challenges.  How long has it been since you’ve been trying to lose those extra pounds. Why not see if Jon can help?

Food Matters TV – Through this website I was able to connect with the most amazing doctor, Dr. Dana Cohan, an MD who is also a Naturapathic doctor.  I’m a big fan of FM.TV, their paid subscription service – think Netflix for healthy living.  James Colquhoun and Laurentine ten Bosch, the husband and wife team who are behind the movie Food Matters and Hungry for Change have stocked their websites with a wealth of invaluable information you can turn to again and again as you build knowledge and experience you can parlay into living a healthy lifestyle.

Check them out and let me know what you think. You can start with their 10 day free trial.  I think you’ll be hooked! – Whether I’m looking for high peat organic soil or in-depth information on high intensity exercise (HITT), Dr. Mercola’s website is a wealth of verifiable health information that has, along with other resources, have steered me towards a more healthy way of eating. Dr. Mercola probably deserves some credit for my recent very high HDL results.  I find the information he doles out freely on his website to be very useful and sensible.

Longevity Warehouse – As organizer of one of the largest health conferences for women and well known raw food guru, David Wolfe has had an enormous impact on the way I think about food.  Although he didn’t coin the phrase, I learned “make food thy medicine and medicine they food” from him.  His favorite mantra I think is “you are what you eat”. So if you are starving for tried and true techniques on how to develop a healthy way of living, check out his website. This particular site is more for selling products such as raw cacao and high ORAC scoring coffee. But you will also find videos of recipes and of his conferences.

I’m very pleased to have become acquainted with the above websites. There are several more that I could list here but I think you will find a wealth of information as I have by visiting the above ones. Thanks for reading and sharing.

Have a great weekend! JRF





Be Strong and Courageous in 2016

This is my command – be strong and courageous! Do not be afraid or discouraged. For the Lord your God is with you wherever you go. Joshua 1:9 (NLT)

Motivational Background

Many of us have made resolutions for the New Year. It’s our thing to do each year.

And although there are many pundits bemoaning the dismal statistics of how many people fail to live up to their own expectations, I say, be strong.


You are not alone. You can still live up to your own ideals.

Even if we do not achieve our goals 100%, we should still try.

There is nothing wrong with hope springing eternal. It means we are alive. And it means we want to keep living.

Living longer.

Living more productive lives.

So, my encouragement today is to be strong and courageous.

You are not alone.

Removing the “Buts” That are in Your Way

During regular discussions with friends and acquaintances, I often hear them say things like “I wish I could do something else. Instead of showing up to a boring job every day.” And I might say “well, why don’t you…” Only to hear “well…” followed by a litany of excuses.

Or I might jump in with a quick suggestion based on my observation of who I think they are. Then they might say, “but…” followed by a long list of self-deprecation and excuses, accompanied by a violent shake of the head.

What I see though in all these “wells” and “buts” is fear. People are scared of change. But more realistically, a single mom would be scared of taking the leap to follow her dream given she is the only one her children has to depend on.

However, by using the word “but” (first) they send up an impenetrable wall – too high to climb and too wide to get around. In other words before the balloon is airborne, the air gets sucked out of it….by a “but”.
So what is your “but”? What is the “reason” you tell yourself you can’t start working on your dreams, your passion, your calling? And I know some of the reasons are legitimate. But by using words like “but” you are telling your brain “no way, forget it, don’t even think about it.”

As a man thinketh…(Proverbs 23:7)

                  …Out of the abundance of the heart, the mouth speaks (Matthew 12:34)

Your buts then drive your actions. You are paralyzed by fear. Because instead of opening your mind to possibilities you close yourself off to greatness by telling yourself it’s just not possible.

Tony Robbins describes this as our “story”. So what is the story you are telling yourself? What is the story that creates the wall between you and your God-given potential?

It is true that you need your job to support your family. It is true that if you do not work you and your children may not eat or have somewhere to live. But those reasons should be your catalyst to your “why”. In other words, if you can determine why you feel you need to be or do better in life, you will have the motivation you need to move forward with your dreams, desires and goals.

So put the brakes on the “but”. Instead of telling yourself, “I can’t leave my job to start a business because…” Start by telling yourself that you will spend 30 minutes each day to researching and taking notes about what you think you want to do.

Action brings momentum.

So pivot.

Take action!

Your actions will tell your brain what to think and do. So start today by reading an article. Or listen to a podcast. Write down what it is you yearn to do. That you can do while remaining in your job.

Start today. Kick the “but”.

Resources to get you started:

The Motivation Manifesto by Brendon Burchard

Start by Jon Acuff

48 Days to the Work You Love by Dan Miller and Dave Ramsey

And if you are still having trouble starting, read:

The Miracle Morning by Hal Elrod