Category Archives: Saving

Money tips from Anya of Buffy the Vampire Slayer

“I’m just so excited. They come in, I help them, they give us money in exchange for goods, you give me money for working for you. I have a place in the world now. I’m part of the system. I’m a workin’ gal.” – Anya (Season Five).

If you ever watched the show Buffy the Vampire Slayer, then you must have noticed Anya and her fixation on money.  You probably also noticed she changed her hair style… A LOT.

The show ran for seven seasons and was created by Joss Whedon.

The self-proclaimed Scooby Gang 

It started in the nineties and ended in 2003. It starred Sarah Michelle Gellar as the titular character, Buffy Summers. In my opinion, the first four seasons were on fire. The fourth was the absolute best one, to me. This is the only television show I have ever seen where when I finished watching one particular episode; I clapped. It was just that good.

Actress Emma Caulfield played Anya. In this reunion photo of the cast from 2008, she is the one  in the middle wearing the black hat.

ANYA’S BACKGROUND

Other Aliases: Anyanka, Anya Christina Emmanuella Jenkins, “The Patron Saint of Women Scorned,” Aud ; note that some sources refer to her as “Anya Emerson,” but that has not been confirmed in the show.

Birthdate: July 4th

Age: 1120

Anya: “What a day. Give me a beer.”
Bartender: “I.D.”
Anya: (glares)
Bartender: “I.D.”
Anya: “I’m 1120 years old, just give me a frigging beer!”
Bartender: “I.D.”
Anya: (sighs) “Give me a Coke.”

Year of birth: Unknown?? Around 880 AD

Marital Status: Single, formerly Engaged.

Known Relatives: Olaf (ex-husband), Alexander Harris (ex-fiancée).

Here is a short introduction to the comic stylings of Anya

Before we go any further on Anya and her love of capitalism, you should know she did not start on the show’s first season. She came along in season 3. In an episode titled, “The Wish.”

Below you will find out more about Anya and her love of money.

But first…

The star of the show. Buffy Summers.

This is, as the say in the film John Wick, a tasting of Buffy and what she does.

She’s awesome right.

Now, back to Anya.

One thing I could not get over was whenever Anya’s lips were moving, it was in your face truthfulness. Not the norm. Especially, her fascination with money.

What made her so funny was her greedy, materialistic, money hungry, capitalism-loving ways.

While Anya may have lacked tact, she had a way with words that really hit home. She was ridiculously straight-forward and honest. In some ways it was refreshing, but in others it was downright rude.

However, love it or hate it, she would tell people like it was. Anya was blunt. She kept it💯.

She had lots of witticisms.

Here we go.

WORK FOR THE MONEY, HONEY

Anya: “Thank you for coming. We value your patronage. Please come again for more purchases!”
Giles: “Could we perhaps be a little less effusive, Anya? We don’t want to frighten the people.”
Anya: “I’m just so excited. They come in, I help them, they give us money in exchange for goods, you give me money for working for you. I have a place in the world now. I’m part of the system. I’m a workin’ gal.”
Giles: “Yes. Well, why don’t you start organizing the shipping orders?”
Anya: “Oh, no, that’s boring. I just want to do the money parts.”

She tells it like it is. Anya never shied away from making a bold statement. She always said what she wanted. I have learned to do the same, but tactfully.

ANYA ON CUSTOMER SERVICE 

“Anyathe Shopkeepers‘ Union of America called. They want me to tell you that “Please go away” just got replaced with “Have a nice day.” – Xander

Anya says to customers, “Please go.” And Xander tells her the correct way to talk to patrons.

She then proceeds to yell at the next customer in a harsh, sarcastic tone, “Hey, you! Have a nice day.

Just a thought, it is nice to be courteous and pleasant if you want people’s patronage. Maybe, like this, but a little toned down.

They want me to tell you that "Please go" just got replaced with "Have a nice day".

https://www.tumblr.com/awbuckyno/78124077317

Anya: “Please go.”
Xander: “Anya, the Shopkeepers Union of America called. They want me to tell you that ‘Please go’ just got replaced with ‘Have a nice day.'”
Anya: “But I have their money. Who cares what kind of day they have?”

She is also very protective of the money and the cash register.

“Ring up sales? With the money? She gets to fondle the money? Customer! Hello, customer! How may I serve you?”

SLAY FOR MONEY

At one point, when Buffy was hard up for money, Anya suggested they she start charging for her vampire slaying. A vengeance for cash. A slayer for hire.

While it was good for a laugh on the show, her thinking was flawed, but accurate. If you are good at something and going to do it anyway, why not get paid for it.

ANYA ON CELEBRATING EARNING AND MAKING MONEY

“All I can say is, I hope we make as much tomorrow.”

She took pleasure in the little things.

Dance of Capitalist Superiority. Episode 6. Season 6: All the Way. Original Airdate October 30, 2001.

https://www.tumblr.com/sarahwalker/91328105006

See the video here.

I like to celebrate my wins and accomplishments too. They may not involve money dancing, but I like to recognize a job well-done.

Money is just a tool. It’s how we keep score. Money is the scorecard. That’s all.

I don’t have to celebrate with a $300 purse or bottle of champagne. I am just fine with a $15 bottle of wine. And investing the $285 difference in my Roth IRA. Specifically, in a 500 index fund.

ANYA’S MATERIALISTIC WAYS 

Willow: “It stole Giles’ car.”
Xander: “Why would a demon steal a car?”
Anya: “Why would a demon steal THAT car?”

ANYA ON CHILD LABOR 

Giles: “Then useful you shall be! We can always use a hand.”
Anya: “But you have a hand. A paid hand. A hand that isn’t the hand of the illegal child labor.”
Giles: “Anya…”
Anya: “But of course it’s wonderful that you find doing my job so distracting! I am unthreatened. Proceed.”

Well, at least she recognizes that it’s illegal.

ANYA ON THE VALUE OF HER TIME

She learned really quick that time is money and did not want to use up her precious energy doing anything that was unrelated to the accumulation of more money. Pretty shallow and self-absorbed, I know.

I value my time as well. I don’t try to do anything that doesn’t excite me. Except when it comes to helping others.

https://www.tumblr.com/jcap/113595460342

SHE GIVES NO F#*K$

https://www.tumblr.com/sunnydale-scoobies/99436418771

ON VALUING HERSELF

Giles: “Essentially, their agenda is the same as ours. They want to save the world and kill demons.”
Anya: “Kill the CURRENT demons, right? CURRENT demons.”

This was funny because Anya is an ex-demon on the show.

ON VALUING HER MONEY 

Anya: “Spike! What are you doing? You made me yell really high!”
Spike: “Hey, yeah, I did. I scared you. Gimme money.”
Anya: “I’m not paying you for scaring me.”
Spike: “You’re not paying me. I’m robbing you.”
Anya: “Oh, well, that’s just ludicrous. You can’t hurt me because you’ve got that chip in your brain. Also, I like my money the way it is… when it’s mine.”

ANYA ON VALUING XANDER’S TIME

She loved her some Xander. But not at first.

http://watcherspet.tumblr.com/post/88524073528

I thought they were great together. He really changed once he had her in his life. She recognized his value too.

Anya: “And after everything you’ve been through with Angel. You really should get yourself a boring boyfriend. Like Xander!”

Anya: “You can’t have Xander.”

LETTING XANDER KNOW SHE VALUES HIM

Anya: “Xander, you haven’t been paying any attention to me tonight. Just peddling those processed food bricks. I don’t know why.”
Xander: “Well, let me put it in a way you’ll understand. Sell bars, make money, take Anya nice places, buy pretty things.”
Anya: “That does make sense. All right, I support you. Go sell more.”

ANYA AND THE GAME OF LIFE

When Anya finds out her love of money is hilarious. In the Season 5 episode, “the real me”. Xander and Anya are babysitting Dawn and they are playing the game of Life when Anya figures it all out:

ANYA ON VALUING CHILDREN
We believe the children are our future

“Can I trade in the children for more cash? ”

https://www.tumblr.com/chylerleigh/91487927405

When playing the game of Life, she noticed she was burdened with a husband and children and tons of cash.

Once she learned that money was good, she gleefully delighted in saying she wanted more cash.

Anya: “Crap! Look at this–now I’m burdened with a husband and several tiny pink children, and more cash than I can reasonably manage.”
Xander: “That means you’re winning.”
Anya: “Really?”
Xander: “Yes, cash equals good.”
Anya: “Ooh! I’m so pleased. Can I trade in the children for more cash?”

Check it out here.

While it may have been cold and callous to want to give up the fake kids for cash, she did have a valid point in understanding that a having a family requires money and are a heavy load to bear. So, you better prepare for them.

ANYA ON CAPITALISM 

Anya: “I’ve recently come to realize that there is more to me than just being human. I’m also an American.”
Giles: “Yes, I suppose you are, in a manner of speaking. I mean, you were born here — your mortal self.”
Anya: (to Giles whose from England she says in a harsh tone) “Well that’s right, foreigner!” (to Willow & Xander in a softer tone) “So I’ve been reading a lot about the Good ‘Ol Us of A, embracing the extraordinarily precious ideology that has helped to shape and define it.”
Willow: “Democracy?”
Anya: “Capitalism!”

HOW SHE FEELS ABOUT MONEY

That one time when Buffy asked how was Anya’s money and her  reaction of pure joy. Like, one of the Scoobies finally gets her.

Look, I like money fine, but not as much as Anya.

I prefer people over things.

Anya was downright humdrum when it came to talking about money. Although, she was funny, at times she just lacked sympathy and empathy for the plight of others.

However, in the end, she chose to fight beside the Scoobies. So, people really did matter more than money. That is something we should all remember.

The Capitalist Code by Ben Stein

The first step to getting the things you want out of life is this: Decide what you want. – Ben Stein

Ben Stein is an economist and actor, who wrote a book in 2017, called The Capitalist Code: It Can Save Your Life and Make You Very Rich. He has an estimated net worth of over $5 million. So, I thought I would check his book out.

On my quest to follow the money, I have discovered lots of books, blogs, and information about money.

I have been told I am seriously into all things money. Friends sometimes call me “the money lady.” That’s fine with me. I take that as a compliment. There are much worse things to be called than that.

But, I get it. I do have a laser-like focus when it comes to getting things done. I can be a task-master. It comes naturally to me. I just can’t help it because I believe in finishing what I start.

I learned that lesson from one of my favorite childhood books Where the Red Fern Grows.

You could say I’m a bit obsessed with learning about money. However, it has served me well to know about personal finance. I have a six-figure retirement and save over 40 percent of my income. All that came from reading finance books!

That is how I came to find this book. It is a quick read as the book is on the small side at 146 pages in length. I knew the name Ben Stein, but I wanted to find out What is The Capitalist Code?

But first…

WHO IS BEN STEIN?

“I’m an economist by training. I don’t really work as an economist. I only worked briefly as an economist.”

There is a short bio description of him online at goodreads which states:

Jewish-American economic and political commentator, writer, actor and attorney. He gained early success as a speechwriter for American presidents Richard Nixon and Gerald Ford. Later he entered the entertainment field and became an Emmy Award-winning actor, comedian, and game show host. He is famous for his monotonous yet humorous voice in acting.

For those who may not be that familiar with the name you may remember him from his self-titled television show, “Win Ben Stein’s Money” or from the film, Ferris Bueller’s Day Off.

“As to a media personality, well that just happened in large measure because people found me amusing, and I did lots and lots of T.V. news interview shows.”

“It’s a great stretch for me to do my game show. It’s very hard. It’s not me at all. The only part that’s me is sort of when I’m sitting in the booth looking tormented. That’s the only part that’s the real me.”

In Ferris Bueller, he is actually discussing a real topic of the era. During the 1980’s, Reaganomics was also referred to as voodoo economics or trickle-down economics. I’ll give you more on this topic later, in a future post. 😉

Ben has written for publication’s such as Barron’s, The New York Times, Fortune, and the Wall Street Journal. And numerous financial books including this one.

WHAT IS CAPITALISM?

By definition, an economic and political system in which a country’s trade and industry are controlled by private owners for profit, rather than by the state. You will often hear it referred to as a free market or free enterprise.

Simply put, capitalism is a system of investment in and ownership of the means of production, distribution, and exchange of wealth is made and maintained by individuals and corporations instead of by state-owned means.  Participants privately own capital.

Ben says, “Free market capitalism is a fantastic wealth-producing system and allows individuals to amass wealth.”

In addition, “There is no freer, more diverse, and more equal opportunity employer than capitalism. . . If you can produce a large amount of excess over your costs, you get well paid. And if you produce very much more than you cost, you get rich.”

A free market of competition, not a central government or regulating body, dictates production levels and prices. True capitalism needs a competitive market because without competition, monopolies exist.

See my post in which I discuss monopolies for more information

WHAT IS BEN’S ADVICE ON CAPITALISM?

“If there’s a recession, I’d buy stocks. That’s when you make money: when markets are spooked.”

His primary objection of this book, is to get people off the sidelines and into the market.

“The sad fact is that spending rises every year, no matter what people want or say they want.”

This book gives you the #1 simple thing you can start doing today to grow your wealth — thanks to this “rigged” system known as capitalism.

Anyone can do it. You don’t need to have a Harvard or Economics degree or be a financial expert.

Basically, he wants you to do this: Invest in the stock market.

It’s a way to own a tiny piece of a big business and minimize your risk. Your piece of the American financial pie.

More specifically: invest in an index fund of the S&P 500.

You’ll own a tiny piece of a bunch of businesses and you’ll have more money when it’s time to retire.

That is also Warren Buffet’s advice among others.

See my post below on stock ownership

Patience is the key to wealth 

BEN ON WALL STREET

“Trying to pick individual stocks is a trap. I can’t do it. Warren Buffett can, but hardly anyone else can beat the indexes over a long period of time.”

It’s easy to think of big business as morally bankrupt, but it isn’t, really. Business leadership can make poor/unethical decisions, but being big doesn’t make them inherently wicked, and being a small business doesn’t make it inherently virtuous.

“I agree that there are some bad apples on Wall Street. I spent about ten years exposing corporate and financial fraud for ‘Barron’s’ magazine and I found a lot to write about.”

If you want to know more about stocks, you can read numerous books and magazines on the topic such as Value Line, The Intelligent Investor, and anything by Jack Bogle.

The key point is this: Free market capitalism is an incredible machine for making wealth. Corporations “rain money” year after year. If you don’t participate, you are making a huge blunder. It doesn’t take a genius, but it does take a plan—a “little bit of knowledge and an even smaller amount of action.”

SCARY STATISTICS

“The education system should teach us about money; it’s an incredibly big subject. I run into people all the time that don’t have the first clue of what they should do about money.”

Ben states the following about personal finance in America:

  • Most Americans have not inherited wealth or a successful business that could set them up for life
  • 80% of millennial’s have no plan whatsoever for retirement savings
  • Many Americans are saving NOTHING
  • The average person says they need about $50,000 per year for retirement; but only has savings to achieve 20% of that number
  • We live in a country where more than half the people couldn’t come up with $500 in cash today if they had a family emergency

Source: GoBanking

WHAT YOU NEED TO DO

According to Ben, you need to save first, and then spend— automatically.

That’s similar advice that Shark Tank’s Kevin O’Leary says: “Don’t spend too much. Mostly save. Always invest.”

Barnes and Noble provides this overview of the book: harness the incredible power of the U.S. economy for enjoyment and security by being owners of profitable businesses-by consistent, conservative investment starting as young as possible in a diversified port- folio of stocks. Anyone can be a capitalist—and should be. All it takes is a little bit of knowledge and an even smaller amount of action. All it takes is The Capitalist Code.

BEN ON EDUCATION

“There is a clear, unequivocal, if generalized, connection between the amount of education that a man or woman achieves and the amount he or she earns.”

In the book, he shows what women can earn with a degree…

And men.

Agreed. I notice that the more education you have, the more informed decisions people tend to make.

Although, in my opinion, education is not an equalizer it does; however, provide you with increased opportunity, knowledge and exposure to scholarly information.

For most folks, a bachelor’s degree is enough. Particularly, from a reputable in-state public or private accredited institution.

I will never forget when I was reading Arnold Schwarzenegger’s biography when he saw a PhD professor driving up in an old, beat up car and he said to himself that if that is what an advanced degree gets you, then that guy was in the wrong career.

BEN ON SPENDING

“You must arrange your life from the very get-go so that you are spending less than you earn.”

Yep. I have learned it is not what you make, but what you spend.

You can totally blow through $200,000 USD a year after taxes! Just keep buying big homes and expensive cars.

BEN ON PICKING STOCKS

How should you invest?

“You don’t need to “play the market” and try to pick stocks. Just buying and holding index funds is a simple, effective method that beats money managers most of the time.”

How long should I hold onto stocks?

Hold onto these funds as long as possible.”

Should I sell as soon as I get a sizable gain?

“Take advantage of huge tax subsidies for deferring investment gains.”

BEN ON WEALTH

“A highly disproportionate amount of the good things in life accrue to those who have financial capital. The easiest way is to own index funds.”

He states you must acquire wealth.

I too have read you must pursue wealth. You may not want to chase money, but sitting on your laurels won’t attract money and abundance to you. Wealth is something that is attracted to those that have beat inertia and exhibit exertion.

Well, there you have it.

Straight from the guy who is pretty focused on one-task himself as he continued to utter that famous line, Bueller? Bueller? Bueller? Bueller? 

Just like someone had pity on him and answered him in the movie, Mr. Stein has answered a lot of your money answers in his book. The code is capitalist. He has given you the key to unlock the secrets on how to build wealth. So, use his key. Because guess what? The secret is out!

Less Home, More Wealth

You’ve got to work to succeed. – Owner of a Lonely Heart Song and Lyrics by Yes

If you crisscross the country, you will see home prices are highly inflated. Homes values have gone up, but so too have prices.

I look to my left and to my right, but I don’t really see any new starter homes being built.

How is a family just starting out supposed to find affordable housing without any affordable homes?

You need to keep your fixed expenses low, so that you can keep more of your money in your pocket.

Remember the future is more expensive. Things do not go down in price. Prices go up.

I urge you to reconsider purchasing anything that will mean paying a high fixed amount over a long period of time such as a mortgage.

High fixed expenses can cause folks to go bankrupt.

If you do an online search, you can lookup bankrupt celebrities and see my point.

When going through their financial records and bank statements you see the glaring red flags right off the bat.

Here is a typical list of items I see when high profile people file for bankruptcy:

  • The newest or latest Range Rover
  • Large wardrobes and expensive designer suits or furniture
  • Huge credit card bills
  • Expensive foreign car leases
  • Tax liens
  • Medical debt
  • Back mortgage payments
  • Multiple child support or alimony payments
  • Back taxes owed to Uncle Sam

There is one-line item I would like to pull out in particular and that is the mortgage payment.

Let’s say hypothetically speaking, one was to bring in $70,000 a year, but was once pulling in $520,000. That’s a pretty huge drop in income right there. Would signify some belt tightening needs to be done right?

Nope.

Instead folks were continuing to live in the same neighborhood and even in the same house. In addition, driving fancy cars, and pretty much were living as if there had been no drop in income.

That is no way to do your finances.

You have to respect money. You cannot spend before you earn. As the song goes in the lyrics stated above, you’ve got to work to succeed.

You can’t continue to have the trappings of success, if you truly can’t afford them.

So, let’s discuss buying less home in order to be wealthier.

HOME PRICES ARE THROUGH THE ROOF

According to Zillow.com, the median home price in Washington DC is $575, 800.

If you have a 5% interest rate and a 30-year mortgage, that means you will owe $3,091 a month. And that’s just for the bricks! You have not paid property taxes, closing costs, home warranty, or utilities.

Adding in homeowner’s insurance and property tax, you are looking at $3,419 a month.

The Mortgage affordability rule states you should spend no more than 36 percent of your gross income on all your total debt, and this includes mortgages.

Based on the numbers, to purchase a home at this price point, you would need to bring in over $12k a month. That’s $150k a year. And this amount includes no down payment no debt except a mortgage.

Who doesn’t have a car payment these days? However, make anything less than that and its sorry game over.

Let’s not forget that this is for a property in Washington DC. There are tons of other metropolitan areas where to pay to play is even more egregious.

What a home in swanky parts of New York, California, Connecticut, Florida, Colorado, or Texas? Well, it’ll cost you.

Homes in gated communities can be well into the seven figure range.

If we take three times $575,800, that gives us $1,727,400. A $1.7M home will cost you approximately $10k per month, which is $120k a year and $10k of that goes just to property taxes.

In a decade you would have paid $120k for property taxes, just for you to sit on your couch in your living room .

That means a $3.5M home would cost the homeowner $250k over 10 years.

That’s right. A quarter of a mil. Just because the house is standing.

PROPERTY TAXES ARE FOREVER

Oh and by the way, did I mention that property taxes are forever?

You don’t ever stop paying it.

That means you will always have some cost associated with owning a home, even if everything inside of it and the dwelling itself is paid for.

Wishing you could buy a manse like Hova and Beyoncé. Well, be prepared to shell out big bucks cause the property bill alone is massive.

It was reported they bought an $88M mansion in California. A pricey piece of property indeed. A ritzy neighborhood for sure and a jaw-dropping beauty of a home.

In sunny California, the property tax rate is composed of three types of levies: general tax levy, voter approved bond indebtedness repayment, and special district assessments. The general tax levy was frozen by Proposition 13 at 1 percent of assessed property value.

According to Joel Fox of The Sacramento Bee, “Taxes haven’t exactly disappeared under Proposition 13. Property tax revenue is up 1,000% since 1978 and is growing faster than personal income. However, individual taxpayers are protected by Prop. 13, locking in property taxes when they buy their home and limiting future increases.

So, let’s get down to the bottom-line. Property taxes on an $88 million-dollar home at 1% is $880,000 dollars! That is for one year. I shudder to think about the cost of upkeep.

Although, this is obviously not what the average American homeowner is paying in property taxes, it does illustrate that paying these taxes can be mighty expensive. Especially, if you are living on a fixed income, which many Americans one day likely will be.

HOW MUCH CAN YOU SAVE

What can you do instead of buying a huge property?

Glad you asked.

You can buy less home and save money.

This will effectively allow you to increase the amount of money you save.

For example, just buying a property that is $100,000 cheaper could allow you to save $584 a month in mortgage payments and property taxes.

Investing that $584 over 30 years at an 8% rate of return could net you $877,423.

You would be giving up close to $900k in wealth to live in a neighborhood that ends in the name of Hills instead of Heights.

Basically, you could save a small fortune.

HOW MUCH GREENBACKS MAGNET SAVES

I decided to buy a smaller home than most friends and family members I know.

In one case, I paid $500k less than my peers or their families. In another, I paid less than $700k!

Just figured less home would mean less to do for maintenance, lower utilities, and more freedom because less time is needed to manage my household.

I was right.

It is way less stress to care for a smaller versus a larger home.

You have less stuff because you have less space.

Either you throw out and donate crap or get creative in storing it. I prefer to come up with less storage solutions and just stop buying stuff.

It has paid off handsomely.

I gave my savings amount in a post I did called How Millennial Money inspired me to save $13,333.06 a year. Well, now I’m giving you the visuals. I highlighted in red what I’m saving now.

GBM savings growth chart 

After, I started ramping up my savings it just took off. I am on track to save 1,000% more income than I did in 2015. Not too shabby.

I say buy less home, build more wealth.

Do you want a million dollars? Ask for it!

Life is a negotiation – Louisa May Alcott

Growing your net worth from $0 to $1 million takes time. First, you have to ask for what you want. It starts at the negotiation table.

The sorted topic of coin. Everybody needs it, but those that really want it ask for it.

Ask for what you want. Anything at all. That includes money.

It may not be easy, but you have to negotiate.

It is the only way to get the best deal for you.

You know your worth, so don’t accept anything less.

Speak up to be heard.

Always be reaching. Never settle.

SPEAK UP

A lot of people are afraid to say what they want. That’s why they don’t get what they want. – Madonna

Remember that piano scene in Sex and the City where the piano player kept saying, “one more time for the cheap seats in the back.”

Well, that is real advice.

No one can hear you if you whisper. You have to shout. If you do not speak up on your own behalf, no one will.

Believe me, prince charming or princess darling isn’t coming.

It’s like that part in The Lord of the Rings where Gandalf shouts, “fight for your lives.”

I say that to myself all the time. Do it like your life depends on it. Whatever it is, make it count. Finish strong.

Like that voice in Mortal Kombat used to say, “fight hard.”

Either that or die trying.

BE FEROCIOUS AND FEARLESS

Better to live one year as a tiger, then a hundred as sheep. – Madonna

I can’t tell you how many times I’ve been called a rebel.

For standing up for myself. For voicing my opinion. The list goes on and on.

I think back on that scene in Troy. To fight back.

To fight back when people attack me? Dog has that kind of courage.

If you want something, then you better be willing to go to bat for it.

I have asked or negotiated for better pay, grades, food, clothing, a deal on a house, fees, and interest rates.

I’m a lioness. I’m like Miley Cyrus says, “I can’t be tamed.”

I like to go for the gold, but I’m not ashamed to get silver or bronze.

Now when people say no, I only hear yes to my dreams.

WHATEVER DOESN’T KILL YOU

I stand for freedom of expression, doing what you believe in, and going after your dreams. – Madonna

Whatever doesn't kill you makes you stronger.

You know the saying…only makes you stronger. Well, it’s true.

I will never forget those hard times being picked on as a kid.

I heard Jillian Michaels say she was bullied and teased relentlessly until she started taking martial arts. She says then the bullying stopped real quick.

I just focused on my studies. And my dreams. Just ignored everyone and everything. I was laser-focused.

I maintained good grades, a well-kept appearance, good manners, strong work ethic and a no nonsense attitude. The teasing stopped real quick.

It truly has paid off. As I have done the following:

  • Completed my education
  • Paid off debt
  • Learned how to invest and build wealth
  • Traveled more
  • Maintain my health
  • Took martial arts
  • Became a writer by starting a blog

I just did what I believed in.  And I believed in myself. I just trusted my instincts. I picked a path and didn’t look back.

Things may not have always worked out the way I wanted, but I was never standing still. The needle of my life was always moving forward.

BE THE ARCHITECT OF YOUR LIFE

Don’t you ever let a soul in the world tell you that you can’t be exactly who you are. – Lady Gaga

What do you want?

Be specific.

I’ll give you an example.

I plan to have enough money to retire in 13 years.

Be more specific. No problem.

By May 5, 2031, I plan to have enough money in savings and investments to retire from full-time work forever.

And that is not a wish, but a goal. This is real.

I am planning for that date. Right now.

Will I retire? I don’t know. However, I still plan to have the option to do so.

Scrooge McDuck said no man is poor who can do what he wants every once in a while.

Madonna said, “Poor is the man whose pleasures depend on the permission of another.”

Warrant Buffet decided at age 10, after going on a trip to the NYSE, this planted the idea in his young head to organize his life around money.

You are the person in charge of your destiny. Never forget it.

PENNIES OR DOLLARS

The mind is the greatest weapon. – Rambo

Oh, it is. If you have ever seen an episode of MacGyver or been in a tight situation and talked yourself out of it, there’s your proof right there.

I have noticed that math and science are great skills for analytical thinking. Great subjects to study in school or to use to prepare for a career.

In the 2004 film Ray, Jamie Foxx plays Ray Charles and is told the way to get a better deal is to ask for one.

Don’t be afraid to ask for more.

My mother taught me that.

She says all people can do is say yes or no.

In the movie, the man says to Ray you think pennies you get pennies, you think dollars you get dollars.

That was just by changing your mindset.

When I think now, I always think in millions.

For instance, it will take approximately 20-30 years to build a million-dollar investment portfolio depending on how much you save and the interest rate. Investing $10k a year at a 8% interest rate will net you $1,000,000 within 28.55 years.

You just have to decide.

Do you want thousands or millions? You think millions, then you get millions.

If you ask for it and are turned down, then use your mind to find a way to create this reality.

Legally, of course.

Introducing the $100,000 bottle of water

This $100,000 bottle of water costs as much as a house in some parts of the country. Heck, even the world!

Thirsty? Well, this bottle of H20 will only cost you $100 grand. You heard me. $100k! Yes, that’s USD.

That’s the most expensive sip of water I have ever heard.

What if I accidentally spill it? Oh, to perish the thought!

I was sure it was a joke. Like how Jokey the Smurf brings you a present and then you find out it’s a gag gift. You know, something like that.

I can’t even fathom parting with that much cash for something you could get for free out the tap at home or at any restaurant.

Who are the marketing geniuses who thought of this? Who is the target market? What are the demographics?

Who in their right mind would pay $100k for some water?!!

WHO WILL BUY $100K BOTTLE OF AQUA?

Fine. I’ll bite. Who are they?

I guess you could say this water is targeted at a high-end clientele. Those that have pockets so deep, that smacking down that type of scratch is no problem, as all they have to do is whip out their Centurion Black Card. Swipe, sign, and done.

The company actually got rapper 2 Chainz and DJ Diplo to taste the water. They have both sold millions of albums. So, sure you could market to them. Market to the affluent is a must at this price point.

If you don’t have to bat an eyelash at this type of transaction, then good for you.

The rest of us reasonable mere mortals are not buying it. Where did this water come from?  Is it magic water from the fountain of youth? Will it heal all maladies or whatever ailments you have. Basically, will it cure what ails you and eliminate the need for the ever increasing cost of healthcare?

Could I rub it and make 3 wishes?

Like in the show Gargoyles, this isn’t Aladdin’s lamp. All things have their limitations. Even the character called Puck agrees with me. Check it out 30 seconds in.

Water can quench your thirst, clean you, keep you healthy and alive, and that’s about it.

MAKERS OF THE MOST EXPENSIVE BOTTLE OF WATER IN THE WORLD

The company is called Beverly Water. They are located in Beverly Hills, California.  The water is called Beverly Hills 90H20. It is crafted spring water from the California Mountains.

Coined “The Most Expensive Bottle of Water in the World,” is clearly meant to entice people with deep pockets that this is a must have item.

Here is the description that I posted on their website:

Description

“The Most Expensive Bottle of Water in the World”

Limited to only nine bottles in the world, the Diamond Edition of the Luxury Collection of Beverly Hills 9OH2O is the ultimate in water.  Designed by Jeweler to the Stars Mario Padilla, each exquisite bottle features a white gold cap set with over 600 G/VS white diamonds and over 250 black diamonds, totaling 14 carats.  Each bottle comes in a custom secured presentation case together with four engraved Baccarat crystal tumblers, and it is presented in person by renowned water sommelier Martin Riese at a private water tasting anywhere in the world.  In addition, the Diamond Collection package includes a one year supply of the Lifestyle Collection of Beverly Hills 9OH2O.

THE MOST EXPENSIVEST SH*T

There is a video posted of 2 Chainz and Diplo getting a tasting of the water from a, get this, water sommelier. It turned out as expected. Neither care to buy $100k bottle of water. Why you ask? It’s simple. It’s just water!

After, introducing the water to the two gentlemen, which is housed in a massive case, you get the feeling something is seriously off here.

Then comes reality.

THE $100,000 DOLLAR QUESTION

2 Chainz asked what everybody wants to know, “What are you paying $100,000 for?”

The white-gloved sommelier then points at the bottle cap.

You are not really paying for the water, but what the water comes in and with.

Which is a 14 real diamonds, 600 white ones, 250 black diamonds, and white gold.

For this diamond luxury experience, you’re getting the case, and 4 diamond baccarat glasses.

After I stopped laughing hysterically, I started reading the comments on the video.

The hands-down and absolute funniest part after watching the video is reading the comments section.

MY SENTIMENTS EXACTLY

Here are just some of the comments I saw that popped out at me.

Imagine how disappointed you were if you paid $100k for this bottle thinking its vodka

MBA lesson right here

If you can convince someone to buy a bottle of water for $100k. You deserve that $100k.

I will put some tap water in a bottle and sell it for 500k!

Marketing and BS.

Ima stick with my Aquafina😂😂😂

I’m no mathematician, but that’s more than 2 chains.

For those who didnt catch it, you are not paying 100k for the water. You pay 100k for the Diamonds and the gold on the Cap.

The glasses the diamonds and the case cost 99,999 and the water 1$

0$ water … 100k bottle cap

Man, that water better have the power to cure all diseases for that kind of price. 100K seriously???

I better become a mermaid after taking a sip for 100k

100k for a bottle of water? That sh*t better bring Jesus and 2pac back.

Meanwhile in Flint, Michigan…

This water better come from the fountain of youth.

Bottle of air 2billion dollars

One person put my exact thoughts, as I described above, into an elegant rebuke of buying water this freaking expensive.

MadeInVolantis 2 years ago

For 100k that water better turn me 18 again. For 100k that water better cure my thirst forever. For 100k that water better wash me of my sins. For 100k that water better make me a million dollars back somehow.

Well said.

Basically, it’s a $100k jewel-encrusted capped bottle with water inside.

Let’s think about this for a second. What could you do with one hundred thousand dollars? I’m about to tell you.

YOU COULD DO BETTER THAN BUY A DIAMOND CAPPED BOTTLE OF WATER

You could do all types of things with that kind of money. These are just some suggestions.

WHAT YOU COULD DO WITH $100,000

  • Start a college fund for underprivileged kids
  • Put every dime in the market and get historical ROI average of 7%; be a millionaire in 30 years (there goes that million bucks the commenter above was talking about)
  • Start a business
  • Donate $1,000 to 100 charities
  • Donate $10,000 to 10 charities

WHAT WOULD BE FUN TO DO WITH $100,000

  • Rent out a blimp over your old college campus, get $100,000 worth of ones and make it rain
  • Go to Vegas, rent out the Penthouse of an expensive hotel , and bet 10,000 on black
  • Get on a plane to Dubai, UAE, fly first class on the Emirates and visit every attraction
  • Visit Rome, Paris, China, London, and Australia just to get a keychain
  • Get back stage and front row passes to see your favorite artist in concert
  • Enter a professional poker tournament with a $10,000 buy-in
  • Walk up to anyone of the people collecting for the salvation army and give them a check for $25,000 (kind of like that scene in the movie Ghost)

Great scene. You will love it. No need to thank me for uploading it here.

If you have never seen the movie, then I highly recommend it.

WHAT YOU SHOULD DO WITH $100,000

  • Donate 10% to charity
  • Put a down payment on a piece of property
  • Pay off all or a large portion of your debt
  • Invest in the stock market like the S&P 500 index
  • Pay cash for college
  • Buy a car outright
  • Invest in your health

If you want to impress people, just show up to their events on-time and don’t complain.

And if you just so happen to get thirsty, stick with VOSS, Evian, or Deer Park. Can’t go wrong.

That’s just my $0.02, er ehh, I mean $100k money saving tip of the week.