Have you heard of the 7 Baby Steps? I think Financial Advisor and TV/Radio Host Dave Ramsey is one of, if not the most renown financial coaches in the nation and he teaches these 7 Baby Steps to achieve financial independence.
The very first step is to save $1,000. Maybe this is simple for you, or maybe its a colossal undertaking. But, the ability to set aside a token amount of money like $1,000 enables you to be able to do all the other things that follow, like paying off debt (student loans, consumer credit cards, etc) faster using the “debt snowball” method, fully funding your “uh-oh” emergency fund, powering your investment fund so you can actually retire (not “working because I have to” retire). That’s why it is step #1. Where are you on the baby steps?
How much cryptocurrency should you hold? Kiplingers offers a logical approach to this answer by guaging cryptocurrency’s share of gobal markets – 0.5%.
Jeff Rose, Certified Financial Planner, Author and Blogger at Entrepreneur.com says:
“You can test out new things without going broke. You can buy a fractional share of any stock. You will not learning by sitting on the sidelines. You will not learn by following a hashtag on twitter. You have to put yourself out there. Start investing… There are so many things that you don’t know exist until you start going down the path. You don’t have to miss out and you don’t have to risk a ton of money if you start now, put a little amount of money and learn that way. It’s your money, its your life, only you can make it awesome.”
Samantha Binstock (Lubin) is a dedicated educator and Licensed Professional Counselor Associate in Texas, supervised by Sharon Bien, LPC-S, with a deep passion for helping others. Born and raised in the Braeswood area of Houston, Texas, her commitment to wellness and education is a defining characteristic of both her life and career. Samantha holds a Bachelor’s degree in Psychology from the University of Houston Downtown (UHD) and a Master’s in Clinical Mental Health from Grand Canyon University (GCU), specializing in children and adolescents. Additionally, she has earned a Childhood Development Associate (CDA) credential for teaching and is currently pursuing a Master’s in Education from the University of Houston Clear Lake, with an expected completion date in 2025.
With a strong desire to help children, teenagers, and their parents, Samantha is focused on providing behavioral parenting training to assist in emotional regulation for children. Her dedication to helping others extends to her professional life as a full-time preschool teacher at The Shlenker School, a private institution in the Houston area.
Samantha’s commitment to wellness is deeply personal. From an early age she has been managing Mild Cerebral Palsy (CP), which affects her right side and causes chronic muscle pain. To mitigate the effects of CP, Samantha embarked on a wellness journey nearly twenty years ago, incorporating physical exercise, nutrition, meditation, and yoga into her daily life.
With a focus on improving her nutrition, Samantha has made strides in managing her chronic pain and maintaining an overall healthier lifestyle. Her personal experiences have fueled her desire to create a community-focused website, where she can share her knowledge and support others on their own wellness, wealth, and beauty journeys.
Samantha Binstock’s dedication to personal growth, education, and helping others is a testament to her resilience and commitment to making a positive impact on the world around her.
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