How to Get Remarkable Health Benefits From Financial Relief

Do any of these thoughts apply to you, your kids, parents, grandparents? 

“Nearly 80% of American workers live paycheck to paycheck.”

“Student loan debt is $1.5 TRILLION (1,500,000,000,000) and climbing.”

“Average U.S. vehicle loan payment per month is $400-$550, depending on it’s year, and most households have at least two vehicles.”

“Credit card debt surpassed $1 Trillion with an average American’s balance at $6,400 at high interest rates.”

“Average mortgage balance in the U.S. is $202,000 with a 30-year term and a payment of over 1,000 per month.”

“28% of Americans in their 60’s have less than $50,000 saved and >40% have under $100,000 saved, which is far too low to fund their retirement.”

“Social Security will only replace 30-40% of your income on average and that figure continues to decline starting in 2035 as the fund is running out of money.”

“Medicare’s hospital insurance fund is running very low on money by 2026 yet most Americans are using it from 65 years old on.”

The problem I continue to see: Most people I know and have talked with realize several of these statements apply to them and need to change their behaviors and habits right now, but don’t know what steps to take.

They also don’t realize that the daily, continual stress these items put on your body takes a significant toll on your regular health and causes it to break down. Talking with my Cardiologist after my recent cardiac scare (keep reading), I found stress and in my case frustration places strain on your heart and contributes to heart attacks and strokes, like I had.

Doctors are very serious when they recommend cardiac patients consciously work to reduce the stress in their life or risk a more serious cardiac event. My doctor suggested having many Type A personality traits also puts stress on my body and heart daily and I should seriously work to reduce those tendencies also. Financial stress does the same to your body as those stressors I had put on my body. Therefore, I know it’s highly important to get financial relief soon or increase your risks of a serious long-term health issue.

We would assess your situation and determine the steps

Having done business, real estate, and individual turnarounds for years and now my wake-up call recently (keep reading) caused me to look at life and decide how I could do the best for the most with my set of unique turnaround skills.  In doing so, I continue to see millions of Americans in or near financial distress with no real plan in place to take control of their future.  The light bulb went on and I saw this is how I can help many turn their finances around.

Stop Being the Above Statistics, Make Changes

We would review your income streams to increase your net income and savings

Maybe it’s time for a part time job, a second job, freelancing, or contract work.  Maybe you’ve got special skills or knowledge and have wanted to start a side business that could turn into your full time business.  Maybe you want to map out a plan for a career search or new schooling to get to a new job and get out of a job you don’t like.  Regardless, if there is a need for more income now, we’ll look at the best options and pick the best one.  Whatever the need is we’ll work out a plan to reach it.

We would review all debt and figure out a plan to reduce and ultimately eliminate it

We will need to have a clear picture of the current debts, payments, interest rates, etc… to know what to allocate monies to first and set a schedule for debt payoff so you quit paying others interest and get your income working for you.  There are many ways to craft the plan for this area once we get a clear picture of your current status.  The goal is to be debt free at some point in life to be able to start compounding your net income.

We would review all expenses and spending habits usually reducing this area

This area I am real good at.  I can figure out ways to reduce most expenses with a little work.  If you put in the time and effort, this area can almost always get reduced increasing your net income without any new income.  As an example, I worked with an extreme coupon lady locally and saw her save hundreds of dollars weekly by just being focused on coupons.  She gives lots to charities with her savings every week.  So this area can usually help us make the plan work.

We would review any savings and investment activity to assure your money is working for you

If this doesn’t really happen right now, we’ll work on changing that in your plan.  If you are saving currently on your own or through an employer-sponsored program like a 401k or 403b, we’ll make certain you are getting the most from your money.  Any time an employer matches it is usually a great thing to take advantage of because it is in effect a free wage increase.  Ultimately, we want to invest 10-20% into your future.

We can look at your retirement planning to date and see if it’s adequate

I’ve also become much more aware of the lack of long-term retirement planning and actions for many people including a number of my family and friends.  I’ve seen many more American workers just accept that they don’t have near enough saved to retire at a normal age and will have to continue to work far longer than they want to.  I know others that believe Medicaid will be there savior.  None of these are good plans.  We need to assess where you’re at, where you need to be, and establish a plan to get you to it.  That is what I’ve done on all of my turnarounds.  I’ve found I am a challenge-junkie which is why I get into these types of problems.

Overall Goal

You would ultimately have a full assessment of all areas of your finances and we would collectively decide on the best set of actions and behaviors to stop and start to make the plan work for your whole family.  We would estimate when you will see improvements and you will track it regularly to make certain it is working as planned.  Many times, life changes so the plan needs tweaks to keep it on track while addressing new income and expense needs.  Ultimately, you need to start earning interest and compounding your money, relieving daily stress, rather than paying interest and falling further behind on your finances.

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Life Saving Wake-Up Call

It was a warm fall evening October 9^th in Holland, Ohio at the pickleball courts and I was playing in an advanced league.  Near the end of my last game, I picked up the ball and the whole world started to spin sideways fast then I saw myself falling to the court.  I had just collapsed and gone into cardiac arrest within seconds without having any symptoms at all.  I started to turn blue and my playing partner, Dave Rice, started CPR quickly and the blue color went away.

I was playing against an MD and an RN on the next court came to help.  They had my airway open and could see CPR was working, but they were not getting any vital signs.

Holland Police arrived in a two minutes and took over CPR while Springfield EMS arrived a couple minutes later and took over CPR.  I was not responding so they used a defibrillator twice and I was revived to a normal heart rhythm.  I was taken to ER, but still very groggy and lost.  I had not been breathing and effectively been dead for 10 minutes.

A cardiac catheterization showed I had a 100% blockage in the LAD artery (aka: Widowmaker) and an 80% blockage in the Ramus artery so stents could not be inserted.  Two days later I underwent open heart surgery and had a double bypass, leaving the hospital in 4 days (literally Dead Man Walking).  I recovered quicker and better than most people because I was only 55 years old, a non-smoker, non-drinker, at my target weight, and was athletic for decades so I was in good shape.

My partner’s CPR right away kept blood/oxygen manually pumping, effectively saving me from permanent disability or death.  I was told 3% of people that have my cardiac event survive.  Now you understand why they call me Casper (the friendly ghost).

Good that came from my cardiac event is that I was reminded of a # of life lessons that everyone can benefit from.  I outline more details and these 10 lessons in a later post. (full heart emergency post)

Why I Can Help You With My Solutions ?

When I was a 17 year old high school senior I bought my 1^st rental property at a sheriff’s auction while on a hall pass from class, making $3.50/hour part-time.  Now I’m a seasoned 25-year Entrepreneur/Senior Executive who was CFO by 21, COO at 27, CEO, Turnaround Specialist & millionaire by 31, then an Attorney/General Counsel at 38, so you can see I rarely do the “normal” thing.  Give yourself permission to zig when the crowd zags.

I started, ran, and owned businesses as well as turned around distressed companies, helping those entities reach record sales and profits several years. I also served on boards, consulted with companies, including startups, and did pro bono work for over 25 entities. I’ve taught at three colleges and given estate and financial planning seminars.

I’ve earned lots of credentials including JD (licensed attorney in Ohio & Michigan), MBA, MHCA, CMA, CBM, BS, and AA in management, marketing, computer science, finance, and law.  I’ve also completed advanced training in real estate investing, marketing-sales-promotion, and obtained Series 7 & 66 securities licenses and insurance/annuities licenses.  I remain an active investor in distressed real estate and businesses.  I retired from competitive volleyball, switching to pickleball, and golf regularly, I’ve emceed and sung at events, and regularly spend time with by wife Beth and two Bichon-Maltese little buddies.

I rolled out a new book series that went to #1 Best Seller called Life’s Cheat Sheets some years ago and that is the sister company to Financial Relief.  It is a set of success skills that you don’t typically learn in school but everyone needs help them excel in life.

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