Monthly Archives: March 2015

You Know, I’m All About the Budget

Some people make it a habit to read a chapter of Proverbs at the start of every day.

In “the Message” Bible, it states that the purpose of Proverbs is “to teach people the ropes,” so that we may attain wisdom and discipline and to understand what life means and how to do what is right, just and fair.Epiphany Financial

Proverbs 1:7 is a key verse that encapsulates the book’s overall purpose: “The fear of the Lord is the beginning of knowledge, but fools despise wisdom and discipline.”

I personally like the even more direct approach of Proverbs 12:1, which states: “Whoever loves discipline loves knowledge, but he who hates correction is stupid.”

Because I am an educator, Proverbs speaks a language that I value and wish more would embrace. Unfortunately, far too many detest discipline and, thus, shun the wisdom that could lead to their freedom.

When you consider what I do for a living – I help people make the “right” decisions about their money. And, the first “right” decision is to have a budget, yet the vast majority do not take the time and exercise the discipline to do so.

I work with 22 year olds to 72 year olds. I work with people who can save $100 a month to folks who save over $1,000,000 a year, and of the hundreds of clients and families with whom I work, there are less than 10% who came to me with a clearly defined budget of inflows and outflows, and even fewer who updated this document monthly.


And yet everyone wants financial freedom. Everyone articulates a desire to have “more.” Everyone talks about a desire for financial security. But, again, how can you EXPECT to have any of these realities if you do not INSPECT what is real?

Those who work their land will have abundant food, but those who chase fantasies will have their fill of poverty. (Proverbs 28:19)

Which leads me to some truths about how money really works in the lives of hard working US citizens: the vast majority do not know how to “think” about a budget, how to actually map it out and keep it current. Furthermore, money is THE hardest topic to discuss which is why it is the #1 stressor. As such, when you combine the challenge of knowing “how” to create and manage a budget with the emotions that surround money, it makes sense that so many people do not have a budget. And even for those folks who tell me they don’t need a budget because they don’t spend more than they make, my experience has been that because they do not truly know what is coming in and going out, they are throwing away money, literally.  

Whatever your situation, working with a professional who is focused on the behaviors and strategies that lead to wealth and security can be the difference between surviving and thriving! Look for someone who understands process over products first! (And, if you want a head start, you can access some budget worksheets on my website by clicking here.)

If you are a person of discipline when it comes to your personal economy; if you seek knowledge and wisdom when it comes to the macro-economic impact of micro-economic movements within your family economic system, contact us so we can help ensure you have the optimum return on EVERY dollar in your system.

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  469.682.8280  www.financialepiphany.com



Client Spotlight: David Visser

David Gerrit Visser, Pilot, Movie Producer, Author, Investor/Commodities Trader, Visser Entertainment,  Amazing Media Group, Avanti Traders Group Visserentertainment.com / dvisser@visserentertainment.com

When my client referred me to David, I was forewarned that he would be skeptical because he had degrees in finance and was a pretty serious investor. Thus, to convince him that I might David Visserhave some information that he could use to add to his arsenal of financial knowledge and increase his overall wealth position was an obstacle I had overcome before but, alas, not without some extra effort.

As such, when I finally met David at his home, I was immediately impressed because while he had all the worldly attributes of a man of success, it was his humble openness to learning that let me know I was not interacting with just any successful serial entrepreneur, I was in the presence of a man who has vision. Not only does David go for and get what he wants, he uses what he has to be a blessing to others.

….but he didn’t necessarily start out that way.

In fact, David admitted that the basic reason he pursued the various businesses and opportunities he has was for the financial success. A case in point was his entry into the entertainment business.

As a private pilot, David had already attained the highest levels of success and skill within his field and has become the highest time Piaggio pilot in the world. Therefore, he began to more actively pursue other interests. Because he had always been fascinated by the film industry, when he was given the opportunity to buy a film that he knew nothing about, he was very clear that it was a “widget,” a tangible, hard asset that he could own and do something with eventually…..and did he ever!

David has used his ownership of “The Pistol: Birth of a Legend” to host a viewing and raise money for Snowball Express that helps support children who have lost parents in the military. Through the viewing of “Last Ounce of Courage,” the Daughters of WWII raised enough money to send 13 veterans back to Normandy for the 70th anniversary of the invasion. David is currently the Executive Producer on a movie called Donovan that will raise awareness about bi-polar disorder. (Release date December 2015.)

David even helped finance a book (originally just another “widget” to him) called Squirrel and Oak which speaks to children about death and helps them process through it. So while he had been investing in movies and books largely as pure “investments,” David realized that he could change lives through awareness and education.

So just as his investment in Donovan became about more than just the money, David has even ventured into writing a book of his own to help kids and even adults overcome their fear of flying. “There’s Magic in the Air: A pilot’s view of aviation behind the scenes” will be released in the upcoming months as well.

David said that when he looks back on the choices he has made it may seem disconnected but, in reality, there is a theme, there is a pattern, “It’s about giving back and helping. It’s about changing and improving lives through awareness and education. There is more out there than just work. You can basically do anything you want. You can be anything you want to be in America. It is a choice.”

It was at this point in the interview that I had my own “epiphany” about why David and I clicked from the very start – he is passionate about bringing out the best not just in himself, but others which is why he, like myself, is committed to “changing and improving lives through awareness and education.”

If you want to learn more about what David does and how you might be able to couple your talents with his, contact him at www.Visserentertainment.com / dvisser@visserentertainment.com.

And If you are someone who wants MORE and you are ready to not just gain the knowledge but to understand the application, the wisdom, the HOW TO, please reach out and let’s walk through the First Step of my “Four Steps to Financial Freedom” process. The “fee” is an hour of your time and I will even buy the coffee!


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 469.682.8280  www.financialepiphany.com



How Do You Eat An Elephant?

She was pissed!

After almost a year of working with me the amount of money she thought she should have had was not there and she blamed me.

The reason the conversation was especially difficult was that the reason for the lack of funds was not a variable of the guaranteed growth contract she now owned, but because she chose not to transfer monthly savings into the contract like she had planned when we started working together a year earlier. Point being, even with my consistent reminders that she was not tracking to her plan, she did not want to admit that she did not do her part to guarantee her Epiphany Financialfinancial success and she chose to blame me.

However, as a personal trainer, she understood that in order to have the body, the health one wants, s/he must be willing to put in the daily work of exercise and eating right and sticking to the plan the health trainer has laid out. Therefore, eventually she did admit that she actively chose not to listen to her wealth trainer, me, and did not follow the plan we had outlined, but that she would start.

And so it is with establishing goals – sometimes you have to re-start in order to get ahead but you CAN restart.

As such, how are you tracking on the goals you established for yourself this year?....Or should I ask, did you actually write down any goals? If you wrote out your goals, did you share them with someone?

Or, again, do we need to re-start and actually write down some goals?

It’s early March. There are about nine months left in the year. Restart if you need to.

After all, how do you eat an elephant?

One bite at a time.

If you had planned to get started on establishing a budget or you had meant to roll over that old 401K or you are eager to set up your child’s education fund but you have yet to make any progress towards the financial goals you have in mind, write them down now and then contact me so we can discuss the best way to actually achieve the specifics in a reasonable time frame that will guarantee you the results you want.

Epiphany Financial is a wealth education company established to ensure individuals, families and businesses get the most efficient use of their money so that you can focus on that which really matters: faith, family and community.