How To Reverse Fees, Lower Interest Rates, and Keep More Of Your Money

How To Reverse Fees, Lower Interest Rates, and Keep More Of Your Money

Want to know how to reverse fees, lower interest rates, and keep more of your money?

Well, you have come to the right place.

In fact, today I just got off the phone with my brokerage company and had them credit back a fee for $75.00 to my account and a fee of $75 to my son’s HUTMA account.

That’s right, I made back $150 in about 15 minutes.

That equals about $600/hr.

So, watch the video training and follow the steps below to reverse fees, lower interest rates, and keep more of your money!

How To Reverse Fees

How To Lower Interest Rates

Keep More of Your Money


In this post I shared with you knowledge given to me by a young man who was already financially free at 35.

When he taught this to me over the phone, I actually cried, because it was sincere and effective advice that I really needed. I’m eternally grateful that this information was passed on to me and I am now passing it on to you.

If you actually follow it, and take the steps to reverse fees, and lower your interest rates, then you will see that you will grow your ability to negotiate, and keep more of your money.

I’m a mother and a wife, but I’m also in the business of helping you become Financially Free as quickly as possible.

I used to have over $30,000+ in debt back in 2010, and a negative Net Worth. I understand the stress of having debts from credit cards and lines of credit, that I know will take years to pay off.

Though it was stressful for me at the time, I used these tools and lowered the interest rates on ALL of my credit cards.

I became completely debt free in April of 2016, and quit my job in December 2016 to be a full time Mom and Wife, and to create a mastermind coaching program where I mentor working parents to become financially free.

If you want to get personalized assistance in becoming financially free, or know someone who does, then CLICK HERE, enter your name and e-mail address, and watch the free video!

The 7 Steps To Your Financial Fast Track - Robert Kiyosaki's The CashFlow Quadrant

The 7 Steps To Your Financial Fast Track – Robert Kiyosaki’s The CashFlow Quadrant

Want to know the 7 Steps to Finding Your Financial Fast Track?

From The Cashflow Quadrant by Robert Kiyosaki, and his board game Cashflow, the Financial Fast Track is destination and journey you go on after you get out of the rat race.

To get on the Financial Fast Track, your passive income has to be greater than your expenses, so that you don’t have to work your job for a living anymore.

On the Financial Fast Track, you focus on investments, business acquisitions and growth, community projects, meeting powerful and influential people and going on amazing vacations.

So, let’s get started and see what The Cashflow Quadrant says about finding your financial fast track!

Step 1: It’s Time To Mind Your Own Business

The first step is to know that you are a business, and to operate your finances like a business.

Robert Kiyosaki stresses the importance of realizing that your assets are your business, because they produce income for you. (Example: rental property, dividend yielding stocks, a business you own but don’t run)

When you are working for someone else, you are not minding your business, you are minding your boss’s business.

When you are spending money on your mortgage, you are minding your banker’s business (your mortgage is actually a liability).

When you are buying things, you are minding the vendor’s business.

So step #1 is to start minding your own business, keeping track of and growing your assets.

Robert Kiyosaki recommends doing a financial statement by filling out the game card in his board game Cashflow with your real life numbers.

FormSwift has a good financial statement tool to help you create your financial statement. CLICK HERE and do your financial statement for this month!

You will need it for Step 2 =)

Step 2: Take Control of Your Cash Flow

Step 2 builds on step 1, and now you get to work with your own financial numbers and take control of your cash flow.
1) Review your financial statements.
2) Determine whether you receive your income from a) employment b) self employment c) business d) investments
3) Determine where you would like to receive most of your income from in 5 years (from a) employment b) self employment c) business d) investments?)
4) Pay yourself first – set out a certain percentage of your pay and deposit into an investment savings account, where it is only used for investing
5) Focus on reducing your personal debt

Step 3: Know The Difference Between Risk and Risky

Robert Kiyosaki stresses here that it is risky to rely on a job your whole life for your income.

It is a lack of financial literacy that is risky.

Smart investors take risks, but they research first and know what the risk is.

Instead of just saying things like investing is risky, he advises to really examine what is risky with the following questions:

1) Define risk in your own words.
a) Is relying on a paycheck each month risky to you?
b) Is having debt to pay each month risky to you?
c) Is owning an asset that generates cash flow into your pocket each month risky to you?
d) Is spending time to learn about financial education risky to you?
e) Is spending time learning about different types of investments risky to you?

2) Commit to 5 hours of your time each week to do one or more of the following:
a) Read the business page of your newspaper and the Wall Street Journal.
b) Listen to the financial news on television or radio.
c) Listen to educational cassettes on investing and financial education.
d) Read financial magazines and newsletters.

Step 4: Decide What Kind of Investor You Want To Be

Robert Kiyosaki says that there are 3 types of investors A, B and C.
Type A Investor: Solves Problems
Type B Investor: Looks for Solutions
Type C Investor: “I know nothing”

He recommends you be all 3.

So in most areas you will be a Type C investor. His example is that he doesn’t know what mutual funds to buy or what stocks to pick.

In 1 area, you will become a Type A Investor, and become an expert. People will come to you with their money to invest with you.

In some areas, where you have friends who are experts, you can invest your money into their deals and you will be a Type B investor.

Do not diversify your investments, specialize in 1 field and become an expert.

Step 5: Seek Mentors

Robert Kiyosaki stresses the importance of finding coaches and mentors to train you in the skills that you want.

Professionals have coaches, amateurs do not.

If you want to get on the Financial Fast Track, you need a mentor or coach who has gotten to where you want to go.

If you can’t find a mentor at work, then go out to Trade Shows, Seminars, and business meetings until you do.

Step 6: Make Disappointment Your Strength

There are 4 suggestions Robert Kiyosaki has to make disappointment your strenghth.

1. Expect to be disappointed
When you do something new, like start a business or become an investor, it’s highly probably that you will make a lot of mistakes as you learn. To be emotionally prepared to keep going, expect these disappointments and you’ll make it through in the end.

2. Have a mentor standing by
When you go into a tough negotiation or are doing a new deal, have your mentors numbers on hand so you can call them for advice or help.

3. Be Kind To Yourself
When you make mistakes, be kind to yourself.
You are brave and you are courageous for going for your dreams.
Give yourself words of encouragement, you can do this!

4. Tell the Truth
When things go wrong, admit it.

Take the consequences, learn from your mistakes and move on.

Per Robert Kiyosaki’s Rich Dad – “The size of your success is measured by the strength of your desire; the size of your dream; and how you handle disappointment along the way.”

Step 7: The Power of Faith

Listen to the words that you say to yourself.

They are a window into your soul.

Robert Kiyosaki uses this sentence that people will say instead of taking action “I can’t stop working and start my own business. I have a mortgage and a family to think about.”

He says what you might be saying is “I’m tired. I don’t want to do anything more.”


“I don’t really want to learn anything more.”

But these are personal lies, because if this person dug deeper, they really mean “The truth is I love learning new things. I would love to learn new things and be excited about life again. Maybe whole new worlds would open to me.”

Dig deep down and find the real truth within your soul.

Believe in yourself and start finding your financial fast track today!


Robert Kiyosaki has great advice and action steps to get on the Financial Fast Track.

To learn through play, go and play his board game Cashflow. On advice from a financially free friend, I played that game every week for over a year back in 2011 – 2013.

It trained me to look for assets that will generate passive income, and now I have multiple passive income generating assets in my Financial statement.

I went from over $35,000 in credit card and consumer loan debt in 2011 to becoming debt free in April of 2016.

I quit my job at a local bank here in Hawaii in December of 2016 and now I lead Finance Freedom Masterminds, where members create passive income and work towards financial freedom.

If you want to work with a supportive network of people all working towards financial freedom then CLICK HERE, enter your name and e-mail, and watch the free video to get started!

Why Do The Wealthy Use Credit Cards?

Why do the Wealthy Use Credit Cards?

…there are things that the wealthy pretty much all do and one of them is use credit cards…

…however, you have to know how to use credit cards the way they do to benefit…

…read this post to the end to learn more about how to use Credit Cards like the rich and wealthy do…

Pay Off Your Balance In Full Every Month

…wealthy people use credit cards and they pay off their full balance every month…

…that way they don’t incur interest charges…

…this is important since it ends up acting like a checking account except that if you don’t agree with any transaction, you can dispute it and get your money back!

Use Credit Cards With Rewards and Miles Programs

…the wealthy use credit cards for regular purchases because they get rewards points and miles…

…these add up and become gift cards, airline tickets, car rentals, cruises…

…and if you spend a lot, you definitely earn a lot of benefits…

Check All Of Your Charges Every Month

…the wealthy make sure that all of the charges each month are theirs…

…if they are not, they dispute the charges and get their money back…

…this is way better than a checking account, as it allows you protection in your spending…

Use the Insurance and Travel Protection Benefits of The Credit Card

…most cards have added insurances built in…

…you need to get a card that has the kind of insurance that you like…

…for instance, if you rent a car with the credit card, oftentimes the card has auto rental insurance built in…

…so you don’t have to insure the car with the car rental agency…

…they also oftentimes have lost baggage insurance, and other great protections…

…the wealthy will use these benefits when the need them…

Use The Concierge Services

…some credit cards come with travel benefits such as concierge services…

…you get to call a number and they will help plan your vacation, get you tickets to events, and help you find great restaurants…

…it depends on the type of card you have…

…usually, this perk comes with cards that have higher spend…

Use Cards That Waive Foreign Transaction Fees When Traveling Overseas

…another reason the wealth use credit cards is that the higher end ones will waive the foreign transaction fees when they travel to other countries…

…these charges can really add up so they love having these fees waived…

…if they spend a lot of money on their cards, they usually have this feature built in…

Improve Their Credit Score

…responsible use of credit creates higher credit scores…

…higher credit scores lead to lower rates on other loans like mortgages and other loans…

…it can also open the door for better credit cards with better perks!


The wealthy are good at controlling their spending so it’s easy for them to pay off their balance in full every month…

…their credit card then becomes a way of protecting their money…

…in addition, they earn additional rewards, insurance, services and other perks…

…the banks love their spending because they are making them money with the processing fees, and will gladly waive their late fees if they ever do pay late…

…it’s worth mastering our credit card use and always pay our balances in full…

…and get the rewards of using credit cards…


I love writing about financial freedom and it gives me great joy when I help someone get closer to their financial freedom!

…is there something that you love, that you would love to teach others?

…if yes, then CLICK HERE to see how much money you can make teaching others what you love on the internet!