Pirates of Financial Freedom! [Book & GOLD Giveaway!]

Do you like pirates? Gold? Reading about money? If so, yarghhhhh gonna love today’s book and following giveaway ;)

I partnered up with my friend, and published author, Joey Fehrman of the Pirates of Financial Freedom book to give one of you lucky scallywags a bountiful bag of loot valued at over $300:

  1. A real GOLD coin (!)
  2. A signed copy of Pirates of Financial Freedom (!!)
  3. A two hour consulting session on money, business, publishing, pillaging, whatever you wish (!!!)

I hung out with Joey at our latest blog conference, and I can tell you he has an immense desire to help people manage their money better. And particularly through story-telling, which is the concept for his latest book. He may not be a pirate himself, but he’s all about living it up on his own terms which we know is the ultimate goal of financial freedom.

Here’s the plot of Pirates of Financial Freedom:

“With his back against the wall, Captain Dailey is forced to make a deal that’s against every pirate bone in his body. In return, his son must save the crew from their financial problems before it is too late. In between gun fights, kidnappings, a blossoming romance, humorous pirate-isms, mythical beasts, and a long-lost treasure so extraordinary that it threatens to tear the crew apart, they must master life-changing personal finance skills.”

I don’t think Johnny Depp makes an appearance, but I’m hoping J. Money can if it ever becomes a Hollywood movie ;) I can tweak my ‘hawk  into dreads! (No I can’t).

The book is catered to the younger audience (tweens, teens, people in their 20’s), but he’s got great feedback from those who are 8 to 48 so it’s obviously good for any of us looking to get our learn on. Or, our entertainment on for that matter. He’s trying to create a new genre of “financial edutainment” to make learning about money more fun and easier to understand. Not a bad idea considering most people find this stuff boring! Joey’s also offers a 90 day “if your money isn’t better after reading this book, I’ll give you a refund” guarantee as well, and he walks the plank walk with donating 10% of all sales to charity too – something else the book encourages.

Here are some of the concepts it covers:

  • Becoming debt-free faster without needing to make extra income
  • Learning the five steps people have used to go from paycheck-to-paycheck to millionaires
  • Automating your accounts to become wealthy without having to think or do any work
  • Harnessing your finances so you can responsibly blow money on fun things you want
  • Stopping to feel guilty about procrastinating on getting your finances handled

Sound like something you or someone you know could use? You can purchase a hard copy directly from POFFbook.com for $24.99, or get a digital copy for $19.99. If you’d like to take it for a spin, you can also pony up $0.99 to read the first half of it over at Amazon and then purchase it from there if you enjoy it (or else you’ll never know the ending! ;)).

Here’s more about Joey himself (not a pirate):

Joey Fehrman, CFA, is an Ivy League graduate with over seven years experience in finance. He has managed millions of dollars for wealthy families and institutions for two large wealth management teams at top-tier investment banks. While there, he managed portfolios, provided financial advice, and developed profitable investment strategies. He studied for years to become a Chartered Financial Analyst charterholder, the gold-standard designation in the finance industry. He is a native of Omaha and graduate of the University of Pennsylvania.

Intrigued? Feeling lucky? Wanna read about pirates instead of reality?

pirate book gold coin

{gold coin not to scale ;)}

Here’s how to enter for a chance to win today’s bounty: a $300+ value (1/10th oz American Gold Eagle coin, signed copy of Pirates of Financial Freedom, and 2 hour consulting session with Joey):

  1. Go to the book’s website: POFFbook.com
  2. Find the section called “Master Essential Personal Finance Skills”
  3. Tell us in the comments below of this blog article what skill you need the most help mastering

That’s it! We’ll run the giveaway for a full week, and then use Random.org to select the lucky winner after the 19th. And don’t forget you can buy it directly from the site too! Might make for a great holiday/birthday gift for someone you know. There’s a lot of hornswaggling sea dogs out there…

PS: Giveaway open to both US and CANADIAN residents – look at that! In fact, Joey said he’ll ship the package to anyone in the world… Where my Ghana readers at? ;)

UPDATE: Giveaway now over… The lucky winner of the book, consulting session, AND coin is…. dum dum dum…. Will.i.am @firstqfinance! Congrats Will (i.am.)! We’ll be shooting you a note shortly… Thanks for playing along everyone! I hope you get the book for Xmas ;)

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  1. Jahyd November 12, 2014 at 7:13 AM

    Investing in the stock market. Just getting started trying to save for retirement and I have no idea where to begin with this stuff!

  2. Chris @ Flipping a Dollar November 12, 2014 at 7:42 AM

    Well, we just bought our first home so I’d love to see all the ways we screwed up. :) The book sounds really neat, and I feel like it’d be a great deal for the younger folk. I have a younger brother who just started college and want to try to impart some of my *cough* “wisdom” onto him – really just don’t want him to make the same mistakes I did!

  3. Salina November 12, 2014 at 7:48 AM

    Paying down debt quickly. I owe about 74k between student loans, a car loan, and credit card debt…

  4. Cheryl November 12, 2014 at 8:09 AM

    I need help with retirement savings, as I plan on retiring in the next four years, mostly because I don’t enjoy my job and the commute is killing me. I’m trying to plow as much money as possible into retirement, and would love to hear more ideas on this.

  5. Christa@ObjectWealth November 12, 2014 at 8:11 AM

    Investing in the stock markets. Besides my 401k (which is managed by the company Blooom), I haven’t done much stock market investing. It is something that I need to learn more about.

  6. T November 12, 2014 at 8:14 AM

    Saving effortlessly for retirement …we need help with this!!

  7. S L November 12, 2014 at 8:19 AM

    I would love help with Investing in the Stock Market and Securing a Higher Credit Score.

    I have “almost no”* unsecured debt – a couple hundred on my CC monthly that gets paid off, and livable secured debts: a mortgage, car loan, and AC loan (when both ACs blow at once, in the south, at the beginning of May… oy), I have a security blanket in my savings, my investment accounts are ok. I want to grow my retirement better, and have a better credit score for those just in case moments.

  8. Jordana November 12, 2014 at 8:27 AM

    I could use help focusing on both buying a first home and investing in the stock market.

    But I’d especially love the two hour consulting session as a Christmas present for my sister.

    1. J. Money November 16, 2014 at 8:24 PM

      That would be a great present :)

  9. Jay November 12, 2014 at 8:28 AM

    I need help mastering Paying Down Debt Quickly… I’ve got several 0% credit cards that I foolishly bought into, and I need them gone ASAP!

  10. Todd B November 12, 2014 at 8:31 AM

    Effortlessly saving for retirement. There just doesn’t seem to be enough at the end of the paycheck to do anything with.

  11. Brian @ Debt Discipline November 12, 2014 at 8:39 AM

    Investing in the Stock Market is in our wheel house right now. I recently heard about this book and plan on picking it up for my kids for Christmas.

  12. Brad November 12, 2014 at 8:39 AM

    Budgeting Effectively, but the Achieving Powerful Money Mindsets definitely sounds appealing. I wonder if I already do something like that or if I can do better?

  13. Erin M November 12, 2014 at 8:45 AM

    Effortlessly saving for retirement. We have a decent start but how can we do better? I am very curious to read this book I’ve been looking for a finance book to give a recent high school graduate and haven’t been able to find anything that would work for her yet. I’m hoping this will!

  14. Samantha November 12, 2014 at 8:51 AM

    Effortlessly saving for retirement – now that we’re debt free, we’ve got about 40% of our income freed up, but I don’t know where to put it! ROTH IRA? 401k? ROTH 401k? HSA? (All these acronyms, haha.)

    Which path will be the best way to financial independence and early retirement?

    1. J. Money November 16, 2014 at 8:26 PM

      Great problem to have! :) And really can’t go wrong with any of them (though some are better than others of course depending on what you’re shooting for…). Whether you win or buy this book or not, def. invest it somewhere! 40% is bad ass.

  15. John @ Frugal Rules November 12, 2014 at 8:59 AM

    Very cool J$! Funnily enough I didn’t get to chat with Joey at FinCon, but he lives in Omaha (like you said) which is where we live and got the chance to meet with him about a month or so ago and had a great time chatting with him and is a good guy! I’ve enjoyed reading the book so far and while it’s geared for a younger audience it can still definitely apply to the rest of us. :)

    1. J. Money November 16, 2014 at 8:27 PM

      Hah! Cool you finally got to meet up :)

  16. Meghan November 12, 2014 at 9:21 AM

    Definitely Effortlessly Saving for Retirement or Investing in the Stock Market. I am trying to get started on my retirement savings and I know nothing about it at the moment.

  17. Ange November 12, 2014 at 9:27 AM

    We’re in the process of saving our down payment for our first home, so definitely tips for when we are buying and by consequence, budgeting well to help us save even faster!

  18. Pam November 12, 2014 at 9:33 AM

    Effortlessly Saving for Retirement. Setting up the automatic funding was easy its just rearranging the budget with less money is hard.

    Also I must need more coffee I went to POFF.com and looked for their comment section.

  19. J.C. November 12, 2014 at 9:46 AM

    I’m most interested in, “Achieving Powerful Money Mindsets”! I love the idea of financial edutainment.

  20. Andrew schwartz November 12, 2014 at 9:47 AM

    The idea on effortlessly saving for retirement. Since I just started and have barely anything in the account. I want to make it big to give myself a feeling of comfort. It shows that there’s possibilities to do it I just need to think outside of my own thouhghts.

  21. Kerri November 12, 2014 at 9:49 AM

    Out of all these topics, I’m the least comfortable with investing in the stock market. This is my financial weakness.

  22. phriot November 12, 2014 at 9:50 AM

    Of the essential skills listed, I think that I need the most help with “Paying Down Debt Quickly.” I make progress every month, but it’s still not going away as fast as I’d like!

  23. Will.i.am @firstqfinance November 12, 2014 at 9:52 AM

    ‘Buying Your First Home’

    But the book won’t talk exclusively about house boats, will it? Hehehehehehehehe.

  24. Alex M. November 12, 2014 at 10:01 AM

    Investing in the Stock Market.

  25. Noelle November 12, 2014 at 10:03 AM

    “Buying your first home” for me! Which will hopefully happen in the next couple years.

  26. Starla November 12, 2014 at 10:16 AM

    Paying debt down quickly. I have been working really hard this year to pay off my debt, and I’ve only been able to pay down about $6K extra than my minimum payments.

  27. Don D in Tucson AZ November 12, 2014 at 10:16 AM

    Effortlessly Saving for Retirement while Paying Down Debt Quickly and creating Prudent Spending Habits.

  28. Bob November 12, 2014 at 10:32 AM

    I’ve got a pretty good handle on most things financial, however, I have a couple of teenage boys who could use a book like this. Argghhh….

  29. Amanda November 12, 2014 at 10:32 AM

    Buying Your First Home
    I’m almost done with paying my debt, so I’ve mostly got the saving down. I’m interested in what he has to say on buying a home!

  30. Lydia November 12, 2014 at 10:44 AM

    Aarrrrr- I need the prudent spending part! And effortless retirement saving is a close second!

  31. Stacey November 12, 2014 at 11:16 AM

    Improving our credit score.

  32. jeff November 12, 2014 at 11:17 AM

    I need the 75 additional concepts and skills. :)

  33. Kristy November 12, 2014 at 11:18 AM

    I would love to achieve a powerful money mindset!

  34. Don November 12, 2014 at 11:29 AM

    Investing in the Stock Market is the one area I feel is still a stranger to me. Although I have the whole budget thing rolling quite well, I am very close to having 6 months worth of expenses put aside for those unplanned events and my wife is in full support of the budget,spending and savings plan. I just cant seem to get my hands around where to start with the market. I am even taking a free on line course through Coursera University on the Financial Markets. I am ready for this next step, please help.


  35. Thomas S November 12, 2014 at 11:35 AM

    budgeting effectively. It seems like every month something new pops up that is hard to really account for, and you can’t just have a column marked “Other” to manage.

  36. Carlton November 12, 2014 at 11:52 AM

    Right now I am definitely working on the prudent spending habits; way too much fast food in my life right now!

  37. Crystal November 12, 2014 at 12:17 PM

    I’m about halfway through Pirates of Financial Freedom already and think it’s a really cute way to teach the readers about money. I need to improve “Investing in the Stock Market”…my husband tackles that much better than me.

  38. indian thoughts November 12, 2014 at 12:33 PM

    budgeting effectively is where I think I can do better and would love some help.

  39. Izzye November 12, 2014 at 12:36 PM

    Prudent spending habits and effortless retirement savings, I have set and met many goals but emotional spending can be a problem. Also saving for retirement, just recently open a vanguard Roth Ira per your suggestion with automatic monthly deposit but the amount is not enough yet… Keep forgetting to challenge my budget to increase the monthly amount. BTW I do see the problem, now how to fix it ;)
    I want the book and the Gold!!!

    1. J. Money November 16, 2014 at 8:30 PM

      Good for you! Putting *something* into retirement is better than nothing, so you’re off to a great start!

  40. Logan November 12, 2014 at 12:42 PM

    I’m going with paying down debt quickly. Our only debt is from buying our first home but I would love to get that mortgage removed from our equation.

  41. Cyrena November 12, 2014 at 12:45 PM

    This is a hard one but I think that Achieving Powerful Money Mindsets is something that my family needs to work on the most right now. We are awesome savers but we have a really hard time spending (for anything but the absolute basics).

  42. Rick November 12, 2014 at 12:59 PM

    Achieving Powerful Money Mindsets

  43. Jennifer Vidiaev November 12, 2014 at 12:59 PM

    I would love some advice on the best way to pay down debt quickly. The book sounds very interesting and some pirate booty to go along with it would be amazing!

  44. Marci November 12, 2014 at 1:02 PM

    I’m working hard to pay down credit card debt that I accumulated over many years. Always looking for additional help to get debt free, especially since we were hit with some financial hardships over the past year – medical, husband losing job.

  45. Mandy November 12, 2014 at 1:08 PM

    Paying down debt quickly is the area that interests me most. My husband and I owe nearly a house worth of student loan payments and we don’t even own a house! :-/

  46. Frankie's Girl November 12, 2014 at 1:32 PM

    Probably most curious about the Achieving Powerful Money Mindsets skill. Looks very interesting overall, and a really nifty concept to get to those usually not interested in finances and money (other than spending it the instant they get it).

    Would love to win this as I’d give the book to my sister for x-mas! But may buy the book for her if I don’t win. ;)

  47. Stephanie November 12, 2014 at 1:43 PM

    Investing! I am interested in this and I think the book will help, especially since he is a financial advisor.

  48. Kelli November 12, 2014 at 2:35 PM

    Paying Down Debt Quickly. I’m currently paying off my last two credit cards and some days I feel like I’m so close to being done while other days I get discouraged about how long it’s taking.

  49. David Cox November 12, 2014 at 4:12 PM

    Most interested in the idea of Achieving Powerful Money Mindsets. Also budgeting and saving effortlessly for retirement (and maybe how to achieve savings to start retirement earlier). Neat concept, something that I want my daughters (21 & 22) to read.

  50. Yana November 12, 2014 at 4:18 PM

    “Plus over 75 additional concepts & skills” – Patience is probably one of those. I’m not sure I need to master it, though. I’d like to have no need for it and have things come together like magic falling out of the sky. Patience could well be a barrier to the level of success I desire, and I have been all too patient in every way for too long. The particular skills listed did not seem relevant to me; for instance, I will not purchase a home unless it is paid in full at the time of purchase. I have no interest in debt and do not find mortgage debt to be good. The gold coin is a great incentive :)

    1. J. Money November 16, 2014 at 8:32 PM

      All cash for a house would be pretty sexy :)

  51. Laura November 12, 2014 at 7:25 PM

    Paying Down Debt Quickly

  52. James November 12, 2014 at 7:43 PM

    Achieving Power Money Mindsets

  53. Kristen November 12, 2014 at 9:45 PM

    Paying down debt quickly! I always had this under control until a divorce several years ago. If I could just get rid of the debt as quickly as possible, I think I can get on the right track with investing, saving, etc.

  54. Len Penzo November 12, 2014 at 9:48 PM

    Great contest, j! I have never really been very good at investing in the stock market. “Buy low, sell high” seems so simple in theory … but for me, that’s easier said than done.

  55. Liz November 12, 2014 at 10:52 PM

    Investing in the stock market. I have a retirement account but besides that I feel overwhelmed!

  56. Rusty November 12, 2014 at 10:55 PM

    Saving effortlessly for retirement. I need better ways to do this.

  57. Michelle Marcus November 12, 2014 at 11:00 PM

    Investing in the Stock Market. I don’t know much about that at all!

  58. Tikisha November 12, 2014 at 11:48 PM

    Paying down debt quickly! :)

  59. John E November 12, 2014 at 11:57 PM

    Need help with Budgeting Effectively, always seem to go over a little.

  60. Laura November 13, 2014 at 12:23 AM

    I am in the space of having to pay down debt quickly so I can make up for lost time. I am grateful for JMoney and Joey Fehrman bring these subjects to the light. So many of us are struggling with these issues day to day. I sincerely appreciate both of you bring this to all of us who need it!! God Bless your efforts and thanks so much!!

    1. J. Money November 16, 2014 at 8:33 PM

      We’re glad you’re on blogs about money – shows you’re ready to roll :)

  61. Alen November 13, 2014 at 2:33 AM

    Investing in the Stock Market. I want to know as much as possible about investing.

  62. Jayson @ Monster Piggy Bank November 13, 2014 at 3:24 AM

    I just graduated and plan to conceptualize my saving strategies.

  63. Nicole November 13, 2014 at 3:41 AM

    Creating a reliable stream of passive income (e.g. writing e-books, making youtube vids, etc.)

  64. margaret November 13, 2014 at 7:41 AM

    Retirement is the thing I need help with. I’m currently saving as much as I can but I don’t feel it will be enough in the long term.

  65. Seth November 13, 2014 at 7:48 AM

    Investing in the Stock Market. I have some money put aside to invest, but I always feel like I have no idea what I am doing when it comes to the stock market. I save diligently, I just want to make sure I am doing the right thing with the money I have earned, and putting it to good use.

  66. Gretchen November 13, 2014 at 8:51 AM

    Investing in the Stock Market.

  67. kay ~ lifestylevoices.com November 13, 2014 at 8:59 AM

    oops, forgot, I need the most help with building a retirement stash. Hubby is only a few short years away from it. We have no debt. But we have no retirement stash either!

  68. lori h November 13, 2014 at 9:07 AM

    effortlessly saving for retirement

  69. EL November 13, 2014 at 9:10 AM

    With all the school loan debt, I think we all can use some ideas or tips to get higher education without loans. For me personally I want tips on how to get my CFA while still working, how did you balance that?

  70. Rockee Dory November 13, 2014 at 9:50 AM

    I need the most help with Budgeting Effectively.

  71. john iii November 13, 2014 at 10:16 AM

    Prudent Spending Habits. it seems like whenever i get in a good groove, i mess up and don’t remain consistent with what and how i spend.

  72. Robin November 13, 2014 at 10:26 AM

    I need help with investing in the stock market. It intimidates me because I don’t know where to start.

  73. Ryan November 13, 2014 at 10:43 AM

    Achieving Powerful Money Mindsets is the section that I would have the most trouble mastering!

  74. Christine @ The Pursuit of Green November 13, 2014 at 12:13 PM

    Investing in the Stock Market! I just started investing with Betterment which is extremely easy to do. Other than that though I wouldn’t know what to do.

    Great giveaway! Thanks Joey and J Money!

  75. M.E. November 13, 2014 at 12:39 PM

    I need help with “Buying Your First Home”. I live in a very expensive city and have started saving for a down payment, but I would need around $100k to even have 20% down for a small starter home here…for now, we just rent :)

  76. Joe November 13, 2014 at 1:31 PM

    Achieving Powerful Money Mindsets

  77. Old School November 13, 2014 at 1:54 PM

    I need help with prudent spending habits…sometimes I just get carried away buying stuff for the house. It is way to fun! Of course according to MMM I’m just giving my future self the shaft.

    1. J. Money November 16, 2014 at 8:34 PM

      Haha… that was a great article of his ;)

  78. Joe November 13, 2014 at 2:11 PM

    Achieving Powerful Money Mindsets
    I need to figure out ways to make more money. I feel like I”m not maximizing my opportunities.

  79. Emy Louck November 13, 2014 at 3:15 PM

    The skill I need to master the most is the skill of saving money. I don’t like to save money, I like to spend it. How do I learn to control my spending and start saving money?

  80. Samstoybox November 13, 2014 at 3:45 PM

    Investing in the stock market. Kind of scared right now to put spare cash in as I think it could easily plummet in the next year or so.

  81. David Hunter November 13, 2014 at 6:12 PM

    Investing in the Stock Market. I Know I’m going to win this one!!!! I just KNOW IT!!!

  82. Alexis Smith November 14, 2014 at 12:16 AM

    It’s amazing giveaways! I hope I’m going to win this book and Gold. This book will very helpful and useful for me. Thanks for sharing this post.

  83. Adrienne November 14, 2014 at 1:16 AM

    Investing in the Stock Market.

    I just need a jump start…

  84. Jen in Texas November 14, 2014 at 7:57 AM

    Achieving Powerful Money Mindsets. I know what has to be done but it’s been hard to get the family completely inboard which allows me to easily waiver on my commitment!

  85. Jennifer November 14, 2014 at 9:09 AM

    Retirement savings. We’ve got a good start but we’d like to retire in about 10 years and I freak out when I think about have enough money for the rest of our lives.

  86. Troy Gibson November 14, 2014 at 12:34 PM

    Achieving Powerful Money Mindsets!

  87. Cheryl L November 15, 2014 at 8:10 AM

    Awesome – can always use help saving for retirement efforttlessly!

  88. Lunar November 15, 2014 at 3:59 PM

    Effortlessly Saving for Retirement: This is what should be wee all doing.

  89. Samantha November 15, 2014 at 7:20 PM

    This looks like an amazing book – not only do I love pirates, my best friend/housemate (who has absolutely no idea about how sexy budgets can be!) also does, and maybe this would let me help him realise it isn’t all about sacrifice and deprivation to pay off his debts and start preparing a nest egg!

    And me personally? I’d love to get some more skills and knowledge in relation to investing in the stock market, it seems to be where I’m up to (I have an emergency fund, no credit card debt, and my student loans are manageable) – and I’m looking forward to the journey!

  90. Bigend November 16, 2014 at 7:40 AM

    Effortlessly Saving for Retirement

    Optimizing tax load and creating cash-flow from existing investments would be next on the list for me.

  91. Brentt November 16, 2014 at 1:57 PM

    Since my wife and I are looking to buy our first home in the next few years, I will go ahead and say that I could use some skill in mastering the processing of buying a first home!

  92. Shawnita Mack November 16, 2014 at 6:06 PM

    Paying debt & budgeting are areas I would like to master.

  93. Shasta Fisher November 16, 2014 at 8:35 PM

    Paying down debit, absolutely. Student loans are looming ahead and I would love to get a head start on them

  94. Matt November 16, 2014 at 10:43 PM

    I’ve got to work on that prudent spending part! But, coins are an investment, right? ;)

  95. JF November 17, 2014 at 1:17 PM

    saving for retirement!

  96. Upwards of Twenty November 17, 2014 at 1:47 PM

    Achieving Powerful Money Mindsets – Is the most important skill that my family needs. Hopefully family members are allowed to participate in the 2 hour session. BTW I have a old school reading chair as well. Nice retro look!

    1. J. Money November 22, 2014 at 8:25 PM

      Nice! My wife’s been telling me to throw it out for 10 years but now it’s in my man cave/office so it’s off-limits to her ;)

  97. Codee November 17, 2014 at 7:30 PM

    Stock market investing…. I am 19 years old and am in the dark about where to go and what to do and how to do it!! Plus the gold coin would be sweet.. Thanks!

    1. J. Money November 22, 2014 at 8:24 PM

      The nice part is that you’re super young so you have decades to grow whatever investments you make right now :) So it’s important to just start saving/investing it away while you learn!

  98. John Anderson November 18, 2014 at 7:37 AM

    Achieving Powerful Money Mindsets. Psychology has a big impact in every category of life.

  99. AnnieG November 18, 2014 at 8:47 AM

    Achieving powerful money mindsets. Because I think that would entail learning to trust myself more and worry less. Although I know intellectually that we are doing fine, I can’t believe that emotionally.

  100. M November 19, 2014 at 12:33 AM

    budgeting effectively. I get the budget idea, I just don’t have a great idea what to do when life and my budget don’t jive.

  101. Jennifer Jordan November 19, 2014 at 3:54 AM

    Wealth building!

  102. Alicia November 19, 2014 at 9:16 AM

    Right now I’m paying down my debt, but it seems to have done a number to my credit score, so I might need some help in that area. I could probably use some help on the prudent spending habits as well :)

  103. Kimberly November 19, 2014 at 9:19 AM

    Paying Down Debt Quickly since that is essentially the first step to all of the others. We have over $77,000 in student debt alone that I would like gone as soon as possible!!!

  104. Rob M November 19, 2014 at 9:46 AM

    Paying down debt quickly… If like to free myself of my mortgage as quickly as possible!

  105. JoeK November 19, 2014 at 9:55 AM

    Prudent spending habits. It seems that I waste a lot of money. I would love to be over 50% savings and need a bit of a push to get me there.

  106. Corey November 19, 2014 at 9:56 AM

    Paying down debt quickly. I have a bunch of student loans. I can’t wait to see them paid off.

  107. Will November 19, 2014 at 10:01 AM

    Achieving powerful money mindsets.

  108. Steve November 19, 2014 at 11:00 AM

    Budgeting Effectively. My wife and I do not have a formal written budget and while we are doing fine financially, I know we could be knocking it out of the park if we did a monthly written budget.

  109. Jacque November 19, 2014 at 11:46 AM

    Investing just feels so over my head that, even though it feels like we are dumping a ton of money into retirement savings, I don’t feel comfortable that those dollars are working for us as much as they could be!

  110. Natasha R November 19, 2014 at 1:15 PM

    When it come to living off a small amount of money, sticking to a budget (of practically pay bills and don’t spend frivolously) or not going into debt, I do great. But I would love to learn more about buying a house, so therefore making sure my credit score is great and being ready for retirement by wise investments and the best ways to save.

  111. Wade November 19, 2014 at 2:10 PM

    Paying down debt quickly. Absolutely.

  112. Laura November 19, 2014 at 4:28 PM

    Investing in the stock market! New to the USA (all the way from Canada) and want to get my feet wet with investing but not sure where or how to start just a personal fun savings account.

  113. Gilberth Moir November 19, 2014 at 4:37 PM

    Curious to see some of the ideas to reduce debt without making more money. We’ve done some great advances with reducing lifestyle but I only see increasing my income to reduce debt.

  114. paul k November 19, 2014 at 8:03 PM

    Buying Your first home, definitely need help mastering this one. Especially with so many conflicting opinions on the do ‘ s and don’t

  115. Dave November 20, 2014 at 4:29 PM

    buying first home

  116. Mark November 20, 2014 at 7:22 PM

    Need help with Investing in the Stockmarket. Ready to take aim at passive income.

  117. J. Money November 22, 2014 at 8:29 PM


    Thanks for participating everyone! The lucky winner of the book, consulting session, AND coin is…. dum dum dum…. Will.i.am @firstqfinance! Congrats Will (i.am.)! We’ll be shooting you a note shortly…

    For everyone else, remember you can pick up the book yourself here if you really want it (or ask to get it for Xmas! ;)): http://www.poffbook.com/

    1. Will.i.am @firstqfinance November 23, 2014 at 10:22 AM

      woot woot!!!!!!!!!!