Money: Is You Is or Is You Ain’t My Baby

The lyrics from a Louie Jordan song popular in 1944 seems to summarize our relationship with money;

Well a fellow is a creature

Who has always been strange

Just when you think you’re his

He’s gone and made a change

All we have to do is replace the character in the lyrics with the term money and you seem to have a most constant relationship. Money is a creature that has always been strange and just when you think it’s yours it has gone and made a change.

Financial victimization stems from a total lack of understanding about money. Research has recently shown that money tops the list of the nation’s stressors. This follows that making emotional decisions is the number 1 investor mistake.

Sales manipulations are focused on getting people to make emotional decisions about money and yet that is the 1 major reason people make mistakes with money. Seems to be an irrational disconnect with that relationship.

The obvious factor in financial victimization is the emotional trigger that propels a person towards the bad decision about money. Of course emotion should have some reasonable impact in making smart decisions about money and this can follow when people fully understand how they truly feel about money, what they perceive as value with money and lastly why they believe what they do about money.

Well too many people are unaware of these issues. It begins with financial illiteracy. We are not given an education on any aspects of financial literacy, most learn about money at home in the family setting. Thus we all seem to inherit our beliefs about money from our families. We then take these mostly mythical concepts into our financial lives and consistently make poor decisions about money.

The financial institutions both government and private market have long ridden the crest of financial independence due to our lack of awareness on how to make smart decisions about money. The banks, credit card companies, merchant financiers all have gleefully robbed us of any opportunity for our own financial independence. This is why for well over 125 years the statistical results of financial independence has never changed. Still, today only 5% of the population reach financial independence and that hasn’t changed in well over a century. Why is it that in the richest nation in the history of the world only 5% reach financial independence?

It’s pretty simple, we have been programmed to conform to an institutional indoctrination about money. It starts in grammar school and continues right through college. Not hard to verify, all you have to do is try and find any financial literacy education you were provided at any of the levels. Of course you may have chosen to major in finance in college and then be introduced to financial literacy education. Even then we have somehow continued in the mythical belief that currency and money are the same thing.

One of our first financial literacy workshops focuses on the real definition of money and the very distinct difference between money and currency. This posting is not going to cover that huge distinction, yet we do have to at least start from the premise that currency is not money.

Stepping back we can find that the most prevalent form of financial victimization is AMORTIZATION. Unfortunately you are giving away your only chance for financial independence in the continual interest payments you make on the debt that has founded the life style or life experience you are presently enjoying. Those interest payments are dollars that you never accumulate and thus can never have working for you. Ask yourself how does the person who reaches financial independence do that? What is it they do differently?

The very few who reach financial independence have accomplished only 1 singular difference from the other 95% who are either, dead, dead broke or financially dependent at 65 years old. The singular difference is the financially independent person has reached the stage where they have money earning money. Their money works for them, the other 95% never get to this stage because they continued to allow their money to work for the banks, credit card companies and other financiers. Money earning money is the magic of financial independence and AMORTIZATION is the magic used by others to rob you of the opportunity for YOUR money to earn money for YOU.

Here at the Advocacy Network we have the solution that will propel YOU to financial independence. The only question is whether you want to be part of the 5% or stay mired in the 95% of those who will never achieve financial independence. Follow up with us to find out how to start having YOUR money work for YOU and YOUR family.

YOUR Best Interest IS OUR ONLY Concern!


The Great Equalizer is TIME!

The discussion of money is always at the forefront of society. Success has been directly equated to money. In the late 50’s Earl Nightingale correctly said: “Now, success is not the result of making money; making money is the result of success —- and success is in direct proportion to our service.”

He also said that “Abundance is YOURS for the asking” And so here we are, decades later and the same circumstances exist. Of 100 people who start out at 25 still only 5 become financially independent and the other 95 are dead, dead broke or financially dependent. This occurrence is the end result in the RICHEST nation in the history of the WORLD! Something is terribly wrong and it is a financial illness of epidemic proportions.

There is a solution and it is not complicated or extremely difficult, yet it requires awareness, the desire to change how one thinks and the personal discipline to put the new thought process into action.

Start with the base foundation of time. Now, time is finite, as such it is the fixed staple in the equation of success. This extends to life as well as financial existence. We are all entitled to the identical 60 minutes per hour, 24 hours per day, 30 or 31 days per month and 365 days per year. That’s finite and fixed. But the real variable is mortality. No individual is guaranteed any more time than the present moment they exist in. We tend to take this for granted as is displayed by our propensity to continual planning decades into the future. It is important to have a strategy and goals within that strategy yet there is zero guarantee as to the time necessary to achieve the strategy. And so we are best served by focusing intently on the moment we are presently in as that is the only SURE point of achievement available to us.

The discussion of money seems to be misappropriated in the cycle of financial independence which assures us of not attaining the very thing we are intently desirable of. Start at the beginning of the cycle which is WORK of some type. Work is always a form of productivity and it has many forms. It can be employment whereby we exchange skills and TIME for money, it can be entrepreneurial where we create the service, or productivity directly and employ others. The last form of this is the extreme trading of time for money which is unfortunately a style of directed slavery. In this form one has very little skills or value to provide and that leaves only labor. (Time can also be used to acquire education, skills and talents which then determine how much money one can acquire in the trade) Many of the 95% fall victim to this plight of using time as the trade with no skills, talents or education and have married up to the misdirected idea that there is security in the trading of time for money. This is the prime reason for those who end up dead broke, and possibly the ultimate success for this mindset is financial dependence. This is a very sad lack of awareness of how true wealth can be accumulated. The trading of time for money alone will never propel the existence of financial independence.

The cycle of work to earn and earn to spend is the death spiral directed to pure financial dependence. Those who reach the top 5% have become aware of an openly available secret. They have learned that the ONLY pathway to financial independence is money earning money. Another time related aspect as in this cycle money begets more money through the use of time. Guess who has figured this out? Well, the banks, merchant financiers, credit card companies and factoring disciples have all mastered this through the magnificent concept of AMORTIZATION.

We are all victims of amortization. Sadly, the worst part of this victimization is we have unwittingly volunteered for it. We work, earn, spend and BORROW. The leveraging of lifestyle and life experience is where we trade financial independence for the delusional of security. Amortization is a way for the lenders to rob us of our financial independence through the use of time. They get 100% of the benefit of compound interest on the money we have borrowed. The true leverage here is the gifting of YOUR financial independence to the entities who have the money to lend. Of course this is perfectly legal, yet just because something is legal doesn’t mean its good for the individual. We have been sold a false narrative and have bought it hook, line and sinker. 95% of Americans never reach financial independence because they have predetermined it can never happen. TIME for change!

Of course you need to use debt for lifestyle and life experience, yet you do not have to use all the future time along with the capital. By eliminating a portion of the TIME in the amortization cycle you can have lifestyle or life experience (whichever is most important to your value proposition) along with financial independence. It requires a bit of financial literacy education and some personal discipline. If you are willing to open your mind to some very simple concepts which would be considered counter-intuitive than you can reach the top 5% and expand that top of the mountain. The simple solution is to minimize the time that interest is paid. The savings of time equates to dramatic monetary savings. Now, you can then use the power of time (compounding interest) in YOUR favor. This allows for the money earning money cycle which is the ONLY pathway to financial independence.

The Advocacy Network is committed to eliminating all forms of financial victimization through creating awareness, providing financial literacy and helping people achieve financial independence. Our financial solutions provide you and your family with an automated system that will directly minimize the amount of interest you pay on present and future debts. This savings is then redirected into financial solutions that propel you into financial independence. This is simple, effective and the ONLY true pathway to financial independence. All the other shortcuts and magic silver bullet solutions will only assure you of painfully joining the 95%. Let us show you a better alternative which is the ONLY alternative assured to put you on the path to the 5%.

YOUR Best Interest IS OUR ONLY Concern!



The most compelling concept in life is truth. The dictionaries define truth as follows:

  1. The quality or state of being true.
  2. that which is true or in accordance with fact or reality
  3. A fact or belief that is accepted as true.

The reality is that truth is in abundant supply and yet that supply greatly outstrips demand. It is very apparent that very few people are intently seeking out the truth in most matters. It’s much akin to the famous words spoken by Jack Nicholson in a Few Good Men, “You can’t handle the truth!”

In the review of the financial victimization process, it is quite evident that both victim and perpetrator are heavily invested in avoiding truth. The victim has a perception of truth that fits their own bias and allows them to move rapidly towards a very poor financial decision. Amazingly they have been totally misled and misguided with information which will never allow them to make a clearly transparent and good decision about money. The perpetrator has led the victim down the pathway of non-transparency and very little disclosure. They basically sell the sizzle as is commonly referred to in the sales world. It’s a 100% emotionally driven process and it always ends with the victim being the loser.

What is most telling in this process is the ability of both victim and perpetrator to bend and manipulate the truth. Of course truth is by its nature somewhat flexible as can be seen in the definitions. “That which is true or in accordance with fact or reality.” Well reality is sadly in the eye of the beholder and it is not truly universal by its nature. If reality was that clear then we wouldn’t have such elements as crime, immorality, unethical behavior and such. So we all can see that reality is what an individual chooses to make it. Of course some reality is unalterable such as the need for oxygen, water and food, following the laws of physics etc… but all other forms or existence and reality are individually created and perceived. This is why victims can be created. The perpetrator uses the victims own perception against them. The emotions of hope, greed and fast wealth can lead anyone to the sad ending of victimization.

One very successful way to eliminate financial victimization is to control a personal level of due diligence in all decisions about money. Due diligence is factored into 3 areas:

Full disclosure, Total Compliance and Clear Transparency.

By following these 3 elements one can fully inoculate and insulate themselves from any and all forms of financial victimization. The essence of truth will ultimately expose the clear perception of if it waddles like a duck, quacks like a duck and has beak, it’s a duck. Most poor financial decisions are ducks. Sadly, people are manipulated into a process whereby they ignore all the characteristics of the duck and ultimately see a swan.

My role is to clearly help people identify and proactively avoid all forms of financial victimization. Some of this victimization is more obvious than others and yet is still been hidden from the public. The clearest example of this is the Reverse Compound Interest Syndrome.

Every day the vast majority of Americans are being financially victimized by the fractionalized banking system and the concept of financing. Sadly, we see people who are unwittingly giving all their opportunity for financial independence away and enriching the banks, finance companies, and creditors. It’s comparable to a financial triage. Most are in the street bleeding cash that is their lifeline for retirement and financial independence. This bleeding of cash comes in the form of excess interest payments through the vicious victimization of amortization. People gleefully give away all their future cash to the banks and finance companies in the form of interest payments. These are dollars that individuals will never have working for them in the form of compound interest. All the compound interest opportunity is being enjoyed by the banks, financiers and creditors. They are being enriched by the theft of future financial independence. It is IMPOSSIBLE to become financially independent when you are giving away $100’s of thousands in cash you never get to put to work for yourself.

The solution to this is putting a tourniquet on your bleeding and minimizing future interest payments. You can do this through the Advocacy Network as we provide a money management solution that will save you and your family $100’s of thousands and use for your future financial independence. All you need to do is give us a call or drop an email request for more information.

Don’t delay because every day you are bleeding cash that could make you financially independent.

YOUR Best Interest IS OUR ONLY Concern!