Justin Krane - Money, You Got This: Easy to Implement Money Strategies So You Can Take Control of Your Business Finances and Create Your Dream Life

You Got This.

Easy to Implement Money Strategies So You Can Take Control of Your Business Finances and Create Your Dream Life

JUSTIN KRANE

New York

MONEY. You Got This

Easy to Implement Money Strategies So You Can Take Control of Your Business Finances and Create Your Dream Life

2017 JUSTIN KRANE .

All rights reserved. No portion of this book may be reproduced, stored in a retrieval system, or transmitted in any form or by any meanselectronic, mechanical, photocopy, recording, scanning, or otherexcept for brief quotations in critical reviews or articles, without the prior written permission of the publisher.

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ISBN 978-1-63047-918-3 paperback ISBN 978-1-63047-919-0 eBook ISBN 978-1-63047-920-6 hardcover Library of Congress Control Number: 2015920960 Cover Design by: John Weber

In an effort to support local communities and raise awareness and funds, Morgan James Publishing donates a percentage of all book sales for the life of each book to Habitat for Humanity Peninsula and Greater Williamsburg.

To my wife, Suzanne. To my kids: Jake, Jonah, and Riley.
Thank you for all of your love. We are one.

We know how much we saved on those new shoes when the sale began at Bloomingdales and exactly how many points weve earned on our Starbucks card. But when it comes to the numbers that matter mosthow much money is coming in and how much is going outmany of us stumble.

(Men probably have similar money woes, but since Ive spent years helping women launch careers and start businesses, I know this is true about us.)

My friend Justin Krane offers a series of mini-homilies aimed at anyone whose financial house is a mess, those who find themselves stuck in a money rut with no way out, and anyone who could use a regular money tune-up.

Take small bites and savor each nugget. Youll come away from the table with concrete steps to improve your financial picture and get your house in order. I dare you to not come away thinking a lot about your life when you read the 19 questions that Justin asks in his chapter What If I bet youll have a knowing smile when he recommends ditching the Debbie Downers who may be holding you back in business or your career.

Justin harnesses a litany of everyday occurrences (even putting on spray tan!) to prove his larger point, which is: talking about money matters can be overwhelming, but it doesnt have to be.

When you know your numbers, life is grand!

Tory Johnson

For the past 7 years, I have written a weekly newsletter. Its about life, money, and business.

I have this weird thing with taking everyday life experiences and finding a money lesson in itespecially for you business owners.

It has been liberating and so much fun for me. I have no idea how I come up with some of this stuff. Its pretty wacky and wild. But thats me!

So I have compiled some of my best stufffor you!

I am so psyched youve got your hands on this book.

Sometimes money can be so overwhelming. Especially when you start to poke around online and try to teach yourself some money stuff.

Youre likewhats all of this financial mumbo jumbo?!?

What are these people actually talking about?

This book is for you, the business owner, the parent, the average everyday run-of-the-mill person who is just trying to make a buckand manage the buck you are making.

Money can be liberating. Empowering. Especially when you feel like you are in control of it, and when you use it to get what you want.

I believe you can have it all.

You can have a successful business AND a successful life.

Get the latte. Get the shoes. Go to Vegas with the guys. Give money to charity.

All of these financial gurus tell you to stop spending money. Dont get your nails done. Stop going on vacations. Eat Top Ramen noodles. Be frugal. Dont get the Starbucks coffee.

I say, GET THE COFFEE! When you spend money and buy what makes you feel good, you become happy, more productive, and then make more money.

What if you could spend your way to financial freedom? How cool would that be?

But you cant really spend all your moneyor gobs of moneybecause then you would have none left. It has to be done in moderation.

I am all about making moneyand then taking that money and paying down debt, saving for your retirement, giving to charitywhatever, baby.

So let me tell you a little bit about me, so you can understand where I am coming from.

I started out as a financial advisor at Paine Webber like in 1995.

I quickly became one of the youngest people to manage money for my clients. You know, stock and bond mutual funds. For retirement, IRAs and all of that kind of stuff.

I got up to managing about $125 million and it was fun. I made great money, I had a good office. I was exactly where I wanted to be and I was firing on all cylinders.

But I just felt like I had this freakazoid void where I was helping ultra wealthy people get wealthier. I felt like I needed to do something different and really take something that meant something to me and help people.

But I didnt know what I wanted to do. I was 29a young little tike. Then 9/11 happened and I was in Los Angeles at the time. But I had worked at the World Trade Center for a summer in 1994.

When 9/11 happened, it really made me think and reflect on my life.

9/11 didnt impact me like it did for the families that were directly affected. But it made me really think: am I doing what I really want to do? Am I at a place where I can really help people?

And I wasnt doing my true callingjust helping people with their money. I knew that I had to leave because the Wall Street brokerage firms were all about making profits off of the clients and really not about helping the clients.

I really wanted to become a CFP, which is a Certified Financial Planner professional. And I did!

(Boy, it was a brutal year studying for that CFP exam.)

So I was at UBS and I knew that I had to leave, but I did nothing about it for about six years!

I was in this terrible place of fear and poverty thinking. Thinking about what could go wrong in my life.

You know how your life just changes on a dime? Because of just ONE THING. Mine was hearing this guy named Jim Stovall speak. Jim was an Olympic trainer and weightlifter who then later went blind. He travels the world giving speeches to people and he basically said, You have the freedom to choose to do what you want.