Be Wealthy & Smart

Learn my top 10 money strategies to advance your income and net worth in 2019. In summary, here are my 10 Financial Moves for 2019: 1. Review your asset allocation -Rebalance, diversify, adjust as you age, don't use target date funds 2. Contribute more to your 401k and 403b, and IRA's -Contribution limits increased $500 this year. 3. Reduce high interest rate debt (hopefully you are already debt free), but if not pay off your highest interest rate debt first and then your highest utilized amount of debt (debt to total credit ratio). -I do not recommend paying off mortgage debt because it is only 3% or 4% debt and the opportunity cost of what you could earn with that money is much higher. 4. Dollar cost average into the stock market. 5. Don't get too overweight in real estate because it is very late in the cycle. 6. Think over large purchases that can cost you tens of thousands of dollars, like new cars, other vehicles/boats, electronics, high ticket designer shoes/handbags, and moving homes too often. 7. Update wills and beneficiaries on retirement plans and insurance policies, especially if you've had a major life event like marriage, divorce, new baby, illness, or death. 8. Consider starting a side hustle for extra income. 9. Look into new cycles such as Cannabis stocks, artificial intelligence (AI), Infrastructure, Defense stocks, the younger (FANG stock replacement) tech companies. Should you consider the two big IPO's next year? 10. Keep following the "6 Steps to Wealth" and check out my Wealth Heiress book. Men and women are loving it! WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY GIVEAWAY IS ALMOST OVER! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! Sponsor: Audible - Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I "read" more books and stay ahead of the curve. Visit Audible and get your first audiobook free! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won't hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.

Learn what you can win, what other listeners are saying about wealth building and why I disagree with misers. The Holiday Giveaway is ending January 1st - only a few days left! Hear what your fellow listeners have to say about the podcast and how it's changing their lives. Listen to me rant about why a meager existence is not the focus of this podcast, and what experiences I wish for you. It's NOT about Consumerism, it IS about your life and experiencing incredible times on this journey of LIVING. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY GIVEAWAY IS ALMOST OVER! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Sets of Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! Sponsor: Audible - Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I "read" more books and stay ahead of the curve. Visit Audible and get your first audiobook free! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won't hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.

Learn how other people's money (OPM) and the smart use of debt can build your wealth. Not all debt is inherently bad! Why is mortgage debt triggering people? Mortgage rates are only 5% for 30 years and are partially tax-deductible. Credit cards with high interest rates are the real culprit! Don't use debt for depreciating assets. Mortgages can be great forced savings plans because the debt will become equity. In this podcast I help you think through why you may want to set up a retirement plan before paying off your mortgage. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY SIZZLE CONTEST IS ON NOW! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! Sponsor: Audible - Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I "read" more books and stay ahead of the curve. Visit Audible and get your first audiobook free! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won't hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.

Learn why selling stocks can be a huge mistake, how a few days makes a huge difference and how to reduce risk. You can read my article on Forbes.com here. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY SIZZLE CONTEST IS ON NOW! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! Sponsor: Audible - Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I "read" more books and stay ahead of the curve. Visit Audible and get your first audiobook free! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won't hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.

Merry Christmas! I'm sharing my thoughts and gratitude for you being here. This special message is straight from my heart, and will only be posted for a few days. If you don't celebrate Christmas, please accept this message as a special holiday message from my heart to yours. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY SIZZLE CONTEST IS ON NOW! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! Sponsor: Audible - Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I "read" more books and stay ahead of the curve. Visit Audible and get your first audiobook free! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won't hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.

Learn what to do so that you can become a millionaire, whether you are a Millennial or not. Wealth building tips are not just for young people. Learn what to do to grow your money into millions, no matter what your age is. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY SIZZLE CONTEST IS ON NOW! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! Sponsor: Audible - Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I "read" more books and stay ahead of the curve. Visit Audible and get your first audiobook free! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won't hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.

Learn how Cannabis and Hemp are impacted by the Farm Bill that President Trump signed. This is huge News! Cannabis and hemp are now legal in the U.S. The opportunities for wealth building are tremendous, in my opinion, as mentioned in several of my podcasts. Exciting! Always check with your financial advisor before making investment decisions. The article is on my website. Disclosure: I am invested in stocks mentioned in this podcast. WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY SIZZLE CONTEST IS ON NOW! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! Sponsor: Audible - Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I "read" more books and stay ahead of the curve. Visit Audible and get your first audiobook free! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won't hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.

Learn how to save tens of thousands of dollars by not moving very often. Let me tell you a true story. When my late husband and I got married, we had to decide whether to keep his house and remodel extensively (get rid of the avocado colored bathroom, fluorescent lighting and vinyl floors, basically taking it down to the studs), or find a new house. We looked at new construction, but we liked his house's floor plan and "bones" better. It was also in a killer location and on a nice lot. We agreed to keep the house and do a six-figure remodel. Part of what made the the decision easy was a back of the envelope calculation. Let me show you. Adding up real estate commissions of about $30k, loan points $4k, moving costs $7k, prepping house for sale $5k, fixing up new home (curtains, towels, bedding, paint, light remodeling) $10k. Those were obvious expenses it would cost us to move to another home. Adding them up, they totaled $56k, which was 56% of our $100k remodel budget! In other words, over half of our remodel would be saved just by not moving! The takeaway for you? Moving costs a lot of money! The less frequently you move, the more money you will have. So buy a home you can live in for at least 10 years, preferably a lot more. You'll pay your mortgage off faster, accumulate more equity, and save thousands of dollars by not moving. WEALTH HEIRESS TV Please subscribe to my *new* Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY SIZZLE CONTEST IS ON NOW! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! Sponsor: Audible - Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I "read" more books and stay ahead of the curve. Visit Audible and get your first audiobook free! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won't hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.

Learn how to be smarter spending $10k or more and what it really means to your net worth. You can choose to spend $10k on a lot of things, but ultimately what will it be worth, more or less? In this series, I show you ways to save tens of thousands of dollars so you can increase your net worth. Learn why Warren Buffett doesn't live in a fancy mansion, even though he is one of the richest billionaires in the world. WEALTH HEIRESS TV Please subscribe to my *new* Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY SIZZLE CONTEST IS ON NOW! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! Sponsor: Audible - Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I "read" more books and stay ahead of the curve. Visit Audible and get your first audiobook free! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won't hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.

Learn the signs of (bitcoin) being in a bubble, the typical language at the peak of a bubble and new investment opportunities. Money moves in cycles and peaks in bubbles. What if you could identify the peak of a bubble? Listen to a real bitcoin investor who is exhibiting bubble investor behavior. What are the words? How can you tell an investment might be in a bubble? Should you borrow to invest in a "sure thing"? Protect yourself from potential massive losses by understanding bubbles and being able to see them identify when they are occurring. This is not a podcast about whether or not to invest in bitcoin, it is simply demonstrating bubbles have similarities. I do talk about other potential investments in future technology and medical Cannabis and the opportunities to build wealth. WARNING! Mystery guest uses swear words in this podcast! WEALTH HEIRESS TV Please subscribe to my *new* Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. THE HOLIDAY SIZZLE CONTEST IS ON NOW! You have a great chance to win 25 prizes! It's easy to enter. Just leave a podcast or book review. A podcast review = your name entered in the drawing 2 times. A book purchased elsewhere and reviewed on Amazon = your name entered into the drawing 3 times. A book review on Amazon purchased on Amazon (says "verified purchase" review), your name entered 5 times. A podcast + book review (either "verified purchase" or not) = your name entered in the drawing 10 times. Prizes are: 11 Wealthy Mindset Blueprint audios (value $197 ea.) 11 Wealth Heiress books, personalized by Linda. 3 winners will have a 1/2 hour wealth mentoring session with Linda (value $500). Drawing will occur January 1, 2019 and will be announced on the podcast. Leave a review on Amazon here. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Available on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. Listen to the full library of podcasts from the beginning. Please subscribe, rate and review the show. I really appreciate it! Sponsor: Audible - Get your first audiobook for FREE today. Over 150,000 titles to choose from for your iPhone, Android, Kindle or mp3 player. This is the way I "read" more books and stay ahead of the curve. Visit Audible and get your first audiobook free! Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn how to build wealth, make money, and have financial freedom. Introduction to principles of wealth building you won't hear about from your financial advisor. Learn how to get rich, the 6 Steps to Wealth, the Twin Pillars of Wealth Building™: Invest Like Billionaires™ and Create Your Luxury Brand™ Business.