This week the word on my mind is “resilience”; a powerful word indeed.

Recently I attended what’s known as the Medallion Ceremony at my alma mater. At that ceremony 90 different students were being recognized for completing their studies at the Honors level. They accomplished a variety of tasks over the course of time, in many cases after four years of consistent motion.

This type of resilience is encouraging to see.

The drive to continue toward a goal when there are obstacles standing in the way is admirable. The way students are able to push through uncertainty and work towards a diploma with the anticipation of a higher paying job in the marketplace when their time is done.

Resilience is the sense that keeps us going towards our objectives in life.

As a card-carrying nerd-status money guy, over the weekend I started re-reading Thomas Stanley’s book The Millionaire Mind. For those of you who don’t know any of his work, it has some great insight on the thoughts and actions of those who strive to accumulate net worth and financial freedom.

The word that came to mind while reading the first few chapters was “resilience”. Millionaires are resilient; they don’t give up. They push through critics telling them that they won’t achieve their goals. They build habits of investing, and living below their means as a way to secure their futures, and the futures of their families. Their lives are more secure because of this behavior.

Lastly, I was reflecting on this sense of resilience while contemplating freelancers and business owners. They get knocked down time and time again, and often the public only sees their successes or the results of hours and hours, or perhaps years and years of work.

In many ways resilience is like an additional muscle that financially fit people have. They work out that muscle just as a body builder lifts in the gym; they too focus on pushing themselves to the next level since they can see the future they want, and are willing to do the work to get there.

You have the power to adopt this habit. Build the future you want.

Be resilient today. Be resilient tomorrow.

-Mobile Money Mentor


One of the phrases I tend to come back to while talking with people about handling finances, making a change in their lives, approaching people, and any number of self improvement tactics is that, “It’s simple, but not easy.”

Putting together a monthly budget, a series of categories and numbers is simple, but actually staying consistent with it isn’t so easy. We all know we should eat less, and exercise more to lose weight, it’s a simple concept in theory, but the implementation can be tough.

Confidence is like that too. It’s simple to say “just be confident” go out on stage and talk in front of people, but pretty much anyone who’s performed on stage or stood at a podium will tell you at least the first few times they did, it wasn’t as easy as it looked.

Like many skills, exercising the muscle will help over time, and exercising your “confidence muscle” will make the next time you have to use it just that much easier. Once you’ve gotten over the hurdle of building your core budget, copy and pasting it to the next month really is pretty simple. Once you’ve set a monthly auto transfer from your checking into your savings account or a pre-tax 401k deduction from your paycheck, you’ll start to realize living without isn’t as tough as anticipated.

Flex your confidence muscle, it’s worth it.

Focus. Be Intentional. Think Bigger.

-Mobile Money Mentor

Got My Tax Refund, Now What?

Placeholder Image

Got My Tax Refund, Now What?

  • Focus
  • Be Intentional
  • Think Bigger

1) Focus.

Why you ask? Let’s focus on what a Tax Refund really is. It’s a Refund (return of overpayment) on Taxes (what you owe the government based on your earnings). When you look at it that way it means you paid more to the government than you had to, and ultimately gave them an interest free loan that lasts until your refund comes in the mail.

2) Be Intentional.

First things first, if you got a tax refund then please resist the urge to go right out and spend it all on a big screen TV or something silly like that. There are so many more productive uses for that money.

Next, if you’re an employee at a company, get with your HR person/team and ask to adjust your withholdings (W-4 form) so that this year you’ll actually get to keep more of that money in your pocket throughout the year.

For example, if you got $1,200 back, with an adjusted withholding you’ll be able to keep an “extra” $100 bucks a month in your paycheck to help you pay down debt, build your savings, and/or start contributing to your retirement.

Wouldn’t that bring more peace of mind than getting your tax overpayment back and using it as a down payment on a car you know in your heart you can’t really afford anyway?

3) Think Bigger.

People who get excited about a large tax refund are thinking short term. If you got $3,000 back and started cheering, it might be worth an hour of your time to stop and think what that means. It means that you were willing to give the government money you earned, that wasn’t necessary, over the course of the year.

Now don’t get me wrong, I’m all for the government providing services that we as individual citizens aren’t able to provide (it takes a lot to look after the 325 million of us living in the US).

However, think about having an extra $50, $100 or $250 bucks in your pocket each month so you don’t send the government more than you owe. Doesn’t that sound like giving yourself a raise?

Focus. Be Intentional. Think Bigger.

-Mobile Money Mentor

This article was brought to you as a request from one of my Facebook readers. Please feel free to follow me, and reach out on Facebook with your questions and requests at:





Hello all!

It’s very exciting to have a public launch of Mobile Money Mentor! For months now a lot was done behind the scenes to get ready to present to the world. It’s very exciting to finally be up on the world wide web.

If you’re ready to make a change in how your financial life is going, and reduce some of the stress you’re experiencing with money, please reach out and allow me the honor of assisting you in reaching your financial dreams!

-Mobile Money Mentor

(702) 483-8221