Mey at the spa

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

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!

Mey at the spa

How To Invest in Real Estate Investment Trusts for Passive Income

What is a ‘Real Estate Investment Trust – REIT’

A real estate investment trust, or REIT, is a company that owns, operates or finances income-producing real estate. For a company to qualify as a REIT, it must meet certain regulatory guidelines. REITs often trades on major exchanges like other securities and provide investors with a liquid stake in real estate.

BREAKING DOWN ‘Real Estate Investment Trust – REIT’
REITs are not a new financial innovation. Established by Congress in 1960 as an amendment to the Cigar Excise Tax Extension of 1960, REITs operate in a manner comparable to mutual funds as they allow for individual investors to acquire ownership in commercial real estate portfolios that receive income from properties such as apartment complexes, hospitals, office buildings, timber land, warehouses, hotels and shopping malls.

Most REITs specialize in a specific real-estate sector – for example office REITs or healthcare REITs. Within this space, REITS must purchase and operate its holdings as a part of its portfolio. In most cases, REITs operate by leasing space and passing on collected rent payments to its investors in the form of dividends.

REIT Guidlines
A company must meet the following requirements to be qualified as a REIT:

Invest at least 75% of its total assets in real estate, cash or U.S. Treasuries
Receive at minimum 75% of its gross income from rents from real property, interest on mortgages financing real property or from sales of real estate
Pay a minimum of 90% percent of its taxable income in the form of shareholder dividends each year
Be an entity that is taxable as a corporation
Be managed by a board of directors or trustees
Have a minimum of 100 shareholders
Have no more than 50% of its shares held by five or fewer individuals
Different REIT Categories
REITs typically fall within three categories.

Most REITs are equity REITs. Equity REITs invest in and own income-producing real estate properties and give investors the opportunity to invest in these portfolios. They must distribute at least 90% of the portfolio’s income to its shareholders in the form of dividends.
Mortgage REITs invest in and own property mortgages. These REITs loan money to real estate owners and operators not only for mortgages but also for different types of real estate loans or through purchasing mortgage-backed securities. Their earnings are generated primarily by the net interest margin, the spread between the interest they earn on mortgage loans and the cost of funding these loans. This model makes them potentially sensitive to interest rate increases.
Hybrid REITs invest in both properties and mortgages.
How to Invest in REITs
Individuals can invest in REITs either by purchasing their shares directly on an open exchange or by investing in a mutual fund that specializes in public real estate. Some REITs are SEC-registered and public, but not listed on an exchange; others are private.

Many REITs will invest specifically in one area of real estate—shopping malls, for example—or in one specific region, state or country. Others are more diversified. There are several REIT ETFs available, most of which have fairly low expense ratios. The ETF format can help investors avoid over-dependence on one company, geographical area or industry.
(Information from

What is ‘REIT ETF’

REIT ETF is exchange-traded funds that invest the majority of assets in equity REIT securities and related derivatives. REIT ETFs are passively managed around an index of publicly traded real estate owners; indexes may vary from provider to provider but two popular benchmarks are the MSCI U.S. REIT Index and the Dow Jones U.S. REIT Index, both of which cover about two-thirds of the aggregate value of the publicly-traded REIT market domestically. REIT ETFs are characterized by their above-average dividend yields.
(Information taken from

List of Real Estate Investment Trusts
CLICK HERE to get a list of real estate investment trusts


Real estate investment trusts are a way for an investor to start getting into the real estate market without putting down a 30% down payment.

With any investment there is risk, so do your research and see if investing in REITs is right for you!

As a passive income investor, I create passive income for myself and my family. In 2016 I quit my bank job to become a part time investor, part time finance freedom coach, and full time mommy =)

If you are interested in creating Financial Freedom for yourself and your family and want to do it with the guidance of caring and effective mastermind, then CLICK HERE, enter your first name and best e-mail address, and watch the free video!

This commentary provided by Yes Financially Free is for educational purposes only. This information neither is, nor should be construed, as an offer, or a solicitation of an offer, to buy or sell securities by Yes Financially Free or its affiliates. No information presented constitutes a recommendation by Yes Financially Free or its affiliates to buy, sell or hold any security, financial product or instrument discussed therein or to engage in any specific investment strategy.

Full portfolio management and advisory services are offered through an investment adviser registered with the Securities and Exchange Commission. Upon request, we will send you a free copy of E*TRADE Capital Management’s Form ADV Part 2A, which describes, among other things, affiliations, services offered and fees charged.

Data and statistics contained in this commentary are obtained from what Yes Financially Free considers to be reliable sources; however, its accuracy, completeness, or reliability cannot be guaranteed.

Investing in securities involves risk, including possible loss of principal.
Past performance is not an indication of future results.

Diversification, asset allocation strategies, automatic investing plans and dollar-cost averaging do not ensure a profit and do not protect against a loss in declining markets. Investors should consider their financial ability to continue their purchases through periods of low price levels.

Stocks fluctuate in response to the activities of individual companies and general market conditions, domestically and abroad. Investments in mid and small-cap stocks typically have higher risk characteristics than large cap stocks and may be subject to greater price fluctuations than large-cap stocks.

All bonds and fixed income products are subject to a number of risks, including the possibility of issuer default, credit risk, market risk, and prepayment and extension risk. In general, bond prices rise when interest rates fall and vice versa. This effect is usually more pronounced for longer-term securities. Lower-quality fixed-income securities generally offer higher yields, but also carry more risk of default or price changes due to potential changes in the credit quality of the issuer. Adverse conditions may affect the issuer’s ability to pay interest and principal on these securities and, as a result, they may have a higher probability of default.

Foreign investments may involve greater risks than U.S. investments, including political and economic risks, concentration risks, liquidity risks, and the risk of currency fluctuations, all of which may be magnified in emerging markets. Emerging and frontier market investments are subsets of foreign investments. Emerging markets are rapidly developing politically and economically, but present a greater degree of these foreign investment risks because of the developing stage of the emerging market. Frontier markets are in early stages of economic and/or political development and are even less developed than emerging markets. As such, risks associated with foreign investments may be significantly greater in a frontier market compared to emerging markets and foreign investments generally.

Mey at the spa

How To Create Your Timeline To Financial Freedom

If you are interested in learning more about how I quit my job in Dec of 2016 and now do what I love for a living, then CLICK HERE, enter your name and best contact e-mail, and watch the free video!

Mey at the spa

11 Tips From Young Financially Free Entrepreneurs on Wealth, Passive Income and Investing

Did you know that over the last 7 years, I paid off almost $50,000 in debt, create a passive income stream that pays me monthly, and also increase my Net Worth to over $100,000?!?

Not only that, I became completely debt free in April of 2016 and left my bank job on December 23rd of the same year.

I have gone from working over 80 hours a week for money to now working less than 5 hours per week for money, as an internet entrepreneur who helps other mothers create financial freedom.

I had a lot of help along the way, from young financially free entrepreneurs in their 20s, 30s, and 40s.  

Here are 11 tips that I learned that changed my life on wealth, passive income and investing.

11 Tips From Young Financially Free Entrepreneurs on Wealth, Passive Income and Investing

Tip #1 – The Habit of Saving is Important (Not the amount)
You would think that saving a lot of money makes you rich, and saving a little won’t.

However, the key is not how much you save, it’s the habit of saving. So, every time you have money come into your life, you take at least 10% and pay yourself first (meaning you save it for investing).

If you are waiting until you have more money to save, then you will never be rich.

The reason you don’t have enough money to save, is because you don’t have a savings habit.

Even if you have to borrow an extra dollar every month just to save money, do that, and at least start saving every month. Make it a habit.

Tip #2 – Understand The Rule of 72 and How Interest Rates Work So You Can Grow Investments and Grow Debt

The ‘Rule of 72’ is a way to determine how long an investment will take to double.

72 / Rate = Years to Double Your Money


72 / 14.99 = 4.8 years to double your money

Now you can see why it’s important to lower all of your debt interest rates as low as possible, and to increase the rate of return on your investments.

Tip #3 – Play Cash Flow (Board Game created by Robert Kiyosaki) every week until you can win the game in 30 minutes or less every time

This game really had me focus on financial freedom, rather than what everyone else does…focus on making more money so they can spend more money.

Financial Freedom = Passive Income > Expenses

When you play the game, you have to increase your passive income to be greater than your expenses.

If you’re passive income does not increase, you cannot get out of the rat race.

This helped me really focus on my passive income.

Tip #4 – 8% is the Minimum Return for Real Estate Investors, Don’t Invest in Real Estate Overseas Unless You Have a Resident Manager

So I was thinking of buying property outside of Hawaii at one point, and I talked to my wealth real estate investor friend, and he told me this advice.

First of all, I wanted to buy the house I lived in, but it was on the market for $1,000,000+. So I needed an investor to go in with me.

However, when I asked my real estate investor friend, he said that no investor would go in on that deal, because they would only be making 4%.

Then I looked to make money buying property in Las Vegas or LA, and then he advised me not to invest overseas unless I had a resident manager. The reason is if you have only one house or condo that you are renting, then if something goes wrong, you have to rely on a Property Manager, and they are not going to care about 1 small property owned by someone far away.

Repairs will be more expensive, and your tenancy rates will be worse, because they won’t look for new renters right away. You will be low priority.

The only way to keep expenses down is to have a resident manager.

Tip #5 – Have a Big Burning Why
If you don’t why you want to be financially free, then when obstacles come (and they always do), you will not get past them.

A burning desire fuels the energy you need, to learn what you have to learn, to make mistakes and learn from them and keep on going, no matter what.

My friend’s big why was that he felt embarrassed by his lack of wealth, and had great pride. And he also wanted before his dad died, so he had a time limit too.

Tip #6 – Negotiate With Your Creditors (Debt, Credit Cards) to Lower Your Interest Rate

So, when I got this advice, I had at least 3 credit cards that I had debt on. And the interest rates were all pretty high. When I heard this advice, it really helped me. I used it to lower the interest on ALL of my credit cards…so it works.

Tip #7 – Track Your Net Worth

Tip #8 – Set The Next Big Goal Before The Current Big Goal is Achieved

Tip #9 – Do The Mental Work

Tip #10 – Only Take Advice From People Like You, Who Already Do What You Want To Do

Tip #11 – READ, READ, READ
Rich Dad Poor Dad by Robert Kiyosaki
The Cash Flow Quadrant by Robert Kiyosaki
Money is My Friend by Phil Laut
The Richest Man In Babylon by George Clason
Secrets of the Millionaire Mind by T Harv Eker
Your Money or Your Life by Joe Dominguez & Vicki Robin
It’s Not About The Money by Brent Kessel
How To Make A Hell Of a Profit and Still Get To Heaven by John DeMartini
The Values Factor by John DeMartini
You Can Heal Your Life by Louise L. Hay

The First 3 Wealth Files – Are You Programmed To Be Rich?

Did you know that, according to T Harv Eker in the book Secrets of the Millionaire Mind, we have wealth files in our brain?

These wealth files determine whether we are going to be rich, middle class or poor.

We can change our wealth files too if we put in the work!

This blog will focus on the first 3 Wealth Files, and the exercises you can do to reprogram your wealth files to create a rich life!

Wealth File #1

Rich people believe “I create my life.”

Poor people believe “Life happens to me.”

DECLARATION “I create the exact level of my financial success!”

Touch your head and say “I have a millionaire mind!”

1. Every time you catch yourself blaming, justifying, or complaining, slide your index finger across your neck, as a trigger to remind yourself that you are slitting your financial throat.

2. Do a “debrief.”  At the end of each day, write down one thing that went well and one thing that didn’t.  Then write the answer to the following question: “How did I create each of these situations?”  If others were involved, ask yourself, “What was my part in creating each of these situations?”

Wealth File #2

Rich people play the money game to win.

Poor people play the money game not to lose.

DECLARATION “My goal is to become a millionaire and more!”

Touch your head and say “I have a millionaire mind!”

1. Write down two financial objectives that demonstrate your intention to create abundance, not mediocrity or poverty.  Write “play to win” goals for your:

a. Annual Income

b. Net Worth

Make these goals achievable with a realistic time frame, yet at the same time remember to “shoot for the stars.”

2. Go to an upscale restaurant and order a meal at “market price” without asking how much it costs. (If funds are tight, sharing is acceptable.)

P.S. No chicken!

Wealth File #3

Rich people are committed to being rich.

Poor people want to be rich.

DECLARATION “I commit to being rich.”

Touch your head and say “I have a millionaire mind!”

1. Write a short paragraph on exactly why creating wealth is important to you.  Be specific.

2. Meet with a friend or family member who is willing to support you.  Tell that person you want to evoke the power of communication for the purpose of creating greater success.  Put your hand on your heart, look that person in the eye, and repeat the following statement: “I, _________[your name], do hereby commit to becoming a millionaire or more by _________[date].”

Tell your partner “I believe in you.”

Then you say, “Thank you.”


Follow the exercises, and see your wealth files change to be set for wealth!

Please put your experiences and your answers to the exercises in the comments below!

11 Key Steps to Finance Your FREEDOM

Would you like 11 key steps to get you on the path to financing your freedom?

I’m talking about time freedom, the freedom to choose your lifestyle, the freedom to work on your own projects, take a day to meditate and work out, go to matinees with your spouse…whatever you want.

Do you want real freedom in your life, so that you have time time to really explore what you were meant to achieve, bring forth and accomplish on this planet?

That’s what today’s video training is all about, the 11 Key Steps to Finance Your FREEDOM.

Freedom is a lot closer than you think!

P.S. I left my bank job on Dec 23, 2017 and have since been helping become financially free faster, CLICK HERE to see how I can help you spend more time with your families, and doing what you love!

Tax Strategies That The Middle Class Miss Out On

Ever wonder what tax strategies that the middle class miss out on…and the wealthy seem to be using all the time?

Well, this blog will open your eyes to the possibilities that you may have not considered for yourself.

I learned entrance into a smarter way to live my life and do my taxes back in 2009, and haven’t looked back since.

Yet I’ve seen so many members of the middle class who never heard of these strategies.

Some of them have heard, however, still have not implemented them, paying thousands more to the IRS every year than they are required to by law.

Why is this?

In this live webinar starting at 6:30am HST / 11:30am EST, Joe Stauffacher and I will be showing you exactly what tax strategies that we are referring to, and how to implement them in your life today.

Be sure to get a pen and paper, or your tablet of choice, or just make time to pay close attention, as this webinar will have a positive impact on your life and the money you get to keep for yourself and your family.

P.S. I love blogging, researching and sharing what I learn and do to create financial freedom in my life and for others.  If you have a passion, and you want to learn how to use it to create your own online business, then CLICK HERE, watch the free video and get started!