financial freedom

6 Surprisingly Simple Hacks for Achieving Financial Freedom

We all want financial freedom. Are you tired of worrying about bills, not knowing where your money is going each month, or making less than you want? In this article, I share 6 actionable steps you can take today to put yourself in a better financial position. No more wishing things were better. No more blaming others. No more excuses and inaction! You can do this. I promise none of these steps are hard! I’ve made the time to do all 6, and my life is better because of it. There’s no reason why you can’t do the same. Alright, here we go! […]

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healthy living tips

10 Healthy Living Tips to Avoid Getting Sick this Winter

Nothing can burden a budget more than an unforeseen medical expense. Healthcare is extremely expensive – even if you’re insured. According to, a 3-day hospital day averages around $30,000. Depending on your insurance, you’re likely to see a bill between $4,000 and $13,000. How many of you that kind of cash laying around? The answer is not many (73% of Americans don’t even have $1,000 saved). Notice how I said depending on your insurance. That assumes you even have insurance. Otherwise you are looking at the entire cost of care. Even a simple doctors visit will cost you your […]

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earn extra money

Earn Extra Money: 100 Clever Ideas to Boost Your Income

A big reason why Ben and I started VTX Capital was to help people learn about different ways to earn extra money.  We talk a lot about all of the different ways to earn extra money, from just simple gigs on the side, to launching full blown startups (and everything in between). Obviously, earning extra money is something that can really change your life.  Money can buy you freedom in more ways than one, despite what people may say. Note: This post originally appeared on our other site, Breaking The One Percent. Earning extra money on top of your day job […]

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tax refund

Excited About Your Tax Refund? Here’s Why You Shouldn’t Be

It’s that time of year again! Tax refund time! Depending on where you live, a tax refund may be a little bit of warmth in an otherwise cold season. Most people that I personally know file their taxes as soon as they can after receiving their income statements from their employers. They are extremely excited to receive their refunds! I used to be that way, waiting until February or March to see how much I was going to get back. It’s an exciting feeling. The IRS reported in February 2016 that the average refund was $3,120 for the 2015 filing […]

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Lending club investing feature

Lending Club Investing: Is it Legit? Here’s What You Need to Know

Have you heard of peer-to-peer lending? P2P lending is a way of connecting borrowers to lenders (also called “investors”)- without involving a bank as a middleman. It’s sometimes referred to as “social lending”. Here’s a simplified version of how it works: Let’s say your neighbor wants to buy a new car.  Instead of getting a loan from their bank, they come to you and ask if you would be willing to give them a loan.  You’ve got some extra cash you can afford to loan out, and you are enticed by the opportunity to make extra money. You guys work out […]

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