You’ve heard the saying about being penny wise and pound foolish.  In the U.S., it is being penny wise and dollar foolish.

I see this all the time, and I often even recognize it in my own life.  I’ll spend two hours shopping around for something to save 10 dollars, while I could have spent 10 minutes on something else in order to save 30 dollars (or more).

I have known people to have a lot of money sitting in the bank earning close to zero percent interest.  Meanwhile, they have a small mortgage or a car loan that could easily be paid off.  But they keep the loans with a ton of money sitting in the bank.  As I have said several times, you don’t get rich paying interest to others. You get rich by collecting interest.

I know that taking on a mortgage (and paying interest) can make sense in many cases, whether it is for purchasing a primary residence or purchasing investment properties. But at some point, you have to actually earn the equivalent of dividends or reduce your monthly expenditures in order to get ahead.  Otherwise, if you are always paying interest to a bank for your mortgage, then your house is (in the words of Robert Kiyosaki) more of a liability than an asset.

I have seen people with terrible investment strategies on both ends of the spectrum.  I’ve seen people with large sums of cash in the bank doing nothing for long periods of time, and I’ve seen people 100% invested in stocks with no emergency fund.

Speaking of being penny wise and dollar foolish, we just got through with Black Friday.  Now, I don’t begrudge people for going out shopping.  Some people actually enjoy it.  But some people were rushing to stores to buy something when they could have just bought it on line with the same discount.  There are also people who go on a spending spree just because they see a “sale” or a “doorbuster deal”, while they go deeper into credit card debt for things they don’t need.

I see all kinds of mistakes.  Some are far bigger than others.  I sometimes see my own mistakes in retrospect.  Sometimes it is good to have a neutral party looking at things.

This is where my offer comes in.  I am an affiliate for Tom Woods’ program called Liberty Classroom.  I am an affiliate, and he is offering great deals on this Black Friday weekend.  It looks like he is extending this discount into Cyber Monday.

If you purchase any one of his membership programs through my affiliate link, then you will get a round of email conversation with me regarding your own personal finances.  Except for specific legal or tax questions, you can ask me anything about personal finance (or other life advice).  If you want suggestions on whether to pay down certain debt, or how to allocate your investment portfolio, or how to buy gold coins, etc., go ahead and ask.

You can get my opinion on Bitcoin, which I have already offered and will be offering again soon. You can ask me about your family budget or about how to allocate your time more efficiently.  You will have me as a neutral party, offering ideas and suggestions.

If you could just get one actionable piece of advice that could save you (or make you) thousands of dollars, wouldn’t that be worth the small price tag here?  And on top of it, you are giving yourself (or to someone else) a great education in liberty.

Again, all you have to do is order one of the membership programs for Liberty Classroom via my affiliate link.  The Master Membership is currently the most discounted, but you just have to order any level through my affiliate link to get my bonus of a personal finance consultation.

All you have to do is forward me your receipt (geoff@libertarianinvestments.com) that you purchased Liberty Classroom through my affiliate link.  Then send me your bio (as much or as little as you want) and ask away.  If you want to wait to ask me your questions, you have up to a year from purchase to do so.  And to get this bonus, you just have to buy any one of the levels offered in Tom’s Liberty Classroom.

My offer of giving personal financial (or other) advice is good beyond this weekend.  But I know that Tom heavily discounts his program on Black Friday weekend, so I encourage you to take advantage of it now and save money.  You just have hours left before Tom’s big discount disappears.  This is the one time of year that Tom can be counted on to offer a very substantial discount.  It makes a great gift for yourself or for another liberty lover in your life.

 

ORDER NOW and invest in yourself. Become smarter and set yourself on a path to greater wealth.