Flannel and Plaid Strategies

Flannel and Plaid Strategies The Financial Coaching for our American Warriors. (Military & Blue Collar Workers)

https://www.moneymaxaccount.com/debtfreedate
https://www.myilia.com/agent-link/89e87246-8966-4b6c-b969-f7afd9d6dd9c
https://www.myilia.com/agent-link/b0a246a6-ae96-431a-9aaa-8eb61f449c24

People with integrity are few and far between. Be the person who fights for those who are important to you. Even when th...
12/22/2025

People with integrity are few and far between.

Be the person who fights for those who are important to you. Even when they aren't there to see or hear it.

The “Raise Without a Raise” StrategyIf you’re tired of being told “make more money,” here’s the truth: most people are l...
12/19/2025

The “Raise Without a Raise” Strategy

If you’re tired of being told “make more money,” here’s the truth: most people are losing money through financial leaks, not lack of hustle.
Try this “raise” strategy today:
✅ Call your insurance (auto/home) and ask:

“Can you re-rate me?”

“What discounts am I missing?”

“What’s the cheapest coverage that still protects me?”
✅ Call your internet/cell provider and ask for:

“New customer pricing” or “retention plan”
✅ Check subscriptions: cancel 2 you don’t use
Goal: Find $75–$200/month without a second job.
That’s a real raise—every month—forever.
👉 Want my “Leak Check” list? Comment RAISE.

Most people don’t need to “cut up the card.” They need a smarter system.Try this today: Put your credit card on a 48-hou...
12/17/2025

Most people don’t need to “cut up the card.” They need a smarter system.
Try this today: Put your credit card on a 48-hour hold before you pay it.
Here’s the trick:

When you swipe, immediately move that same amount into a “Card Payoff” spot (savings folder, envelope, second account).

Every 48 hours, pay the card from that spot.
What it does: You keep your card for convenience, but you stop carrying balances like a monthly subscription.
Bonus: Your balance stays low → your credit utilization improves → score can rise.
👉 Comment HOLD if you want a simple template to track this.

Overtime should help… but it usually disappears into random spending because it feels like “extra.”Try this: Every overt...
12/16/2025

Overtime should help… but it usually disappears into random spending because it feels like “extra.”
Try this: Every overtime check gets split before it hits your life.
✅ 60% goes to your normal life (no guilt)
✅ 30% goes to your top goal (debt or savings)
✅ 10% goes to “fun or family” so you don’t feel punished
This isn’t sacrifice. It’s control.

Why it works: You still enjoy the overtime, but it finally leaves a permanent mark.
👉 If you want a version for commission or bonuses, comment SPLIT.

Budgets fail because they’re too detailed for real life. You don’t need 22 categories—your money needs a job.Try this 3-...
12/14/2025

Budgets fail because they’re too detailed for real life. You don’t need 22 categories—your money needs a job.

Try this 3-pile system (works for hourly + overtime):
✅ Pile 1: Non-Negotiables (housing, utilities, insurance, minimums)
✅ Pile 2: Life Fuel (gas, groceries, meds, work lunch)
✅ Pile 3: Future You (debt attack OR savings—one focus at a time)

Rule: If Pile 1 + Pile 2 aren’t stable, don’t pretend Pile 3 will be. Stabilize first, then sprint.

Today’s move: Look at last paycheck and label every dollar into one of these 3 piles. That’s it.
👉 Want a one-page worksheet? Comment 3-PILE.

Most money stress isn’t “overspending”… it’s timing. Bills hit on random days, paychecks hit on set days, and the gap be...
12/13/2025

Most money stress isn’t “overspending”… it’s timing. Bills hit on random days, paychecks hit on set days, and the gap becomes chaos.

Try this today: Create a Bills Buffer—a separate “Bill Money” account (or envelope) with one paycheck’s worth of fixed bills inside.
How to build it without suffering:

Pick one bill (phone, water, insurance).

On every paycheck, throw $25–$50 toward that buffer until it’s fully covered once.

Once one bill is “buffered,” move to the next.
Result: Bills stop ambushing you. You start paying from your buffer, not from panic.

👉 Comment BUFFER if you want my simple setup list.

You don't have to have all the answers.We know asking isn't easy. We want to make it as easy as possible, so we are goin...
12/13/2025

You don't have to have all the answers.

We know asking isn't easy. We want to make it as easy as possible, so we are going to put on a Financial Empowerment workshop to close out 2025 and help you have a better 2026.

Your financial health matters.

Comment below or message us for the details.

Here's to National Espresso Day and sunny Sundays.
11/23/2025

Here's to National Espresso Day and sunny Sundays.

One of the most important qualities known to man, It is a cornerstone of our community and company, thanks to our amazi...
11/23/2025

One of the most important qualities known to man,
It is a cornerstone of our community and company, thanks to our amazing leadership.

Two big concerns a number of our clients have: 1. What happens if I end up in a nursing home?2. How do I protect everyth...
11/13/2025

Two big concerns a number of our clients have:

1. What happens if I end up in a nursing home?

2. How do I protect everything I have worked for so that my family gets it?

Which is your biggest concern? Comment with a "1" or a "2" below.

I received this email the other day. Yes, it is someone trying to market to me, but what caught me is the subject line "...
02/18/2025

I received this email the other day. Yes, it is someone trying to market to me, but what caught me is the subject line "What good is wealth if you're TRAPPED?

The subject line alone told me that here was someone trying to give financial advice and they clearly do not understand money... being rich... much less what wealth actually is. Yet this person is trying to sell a system to people that promises to make them money.

Look, anyone can be rich. Goodness knows there are so many "gurus" out there trying to sell you something to make you rich. And a number of them can help you make a nice chunk of change.

But they don't understand money. They certainly don't understand the difference between being rich and being wealthy. They are not the same thing.

Being rich means you are working for every dollar you make. You have all the things you want and then some. But you are working for that money. All that money can be here today and gone tomorrow. It doesn't matter how much you have. How long you've worked for it. All the sacrifices you've made for it.

Let me tell you, you WILL sacrifice for it, and if being rich is your goal, you're going to spend your entire life sacrificing.

Now, if the goal is to be wealthy. That my friend is a whole different ball game and means you are playing with a different set of rules. It requires you to put your money to work for you. Yes, your money is the one doing the work and not you. Oh and before you think that means investing in stocks or you up-ing your 401K contributions STOP.

When you are wealthy, that money won't disappear if the stock market collapses again.

It won't matter if Social Security is here tomorrow or not.

You are not going to be trading your time for money for the rest of your life kidding yourself you are going to be able to retire one day.

Cause if you are rich, you can't retire.

You can only retire if you are wealthy.

To be wealthy you have to change your mindset.
You have to learn how money actually works.
You need to have income that doesn't come from your paycheck.
You need to have tax-free income.
You have to STOP trading time for money.

Here is your chance to learn how. On February 26th at 11am CST we are hosting a live session to teach you how to be wealthy.

This event is designed for workers and families, , and (All of which I collectively refer to as )

If you don't fit one of the qualifiers, it doesn't mean you can't attend because the information will still be of value to you.

My specialty is helping from being slaves to the system to being truly wealthy.

Again, click the link, fill out the form and you're invitation will be on the way.

Click here: http://eepurl.com/i9Vv5s

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Huntsville, AL

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Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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+12563444140

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