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Ryan

Kearns, Utah

A frugal guy who likes helping people be happy.

Interests: Family, money and travel.

Recent Activity

Change your thoughts, change your life

Thought #1: Money= value times leverage.* How far will a dollar go? What effect will each dollar produce? How far money goes depends on the possessor not the money. For instance one Timex Ironman watch costs $48 at Kohls, $42 at Overstock, and $32 at Amazon. Or $21 used on... Continue reading

Posted 2 hours ago at frugal2free

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A football coach told me what it takes to be a champion. He teaches young football players that it's not talent nor skill. Desire or heart is the key to winning. Think Secretariat. The horse who dominated horse racing had a heart two times normal size. His oversize heart allowed... Continue reading

Posted yesterday at frugal2free

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I recently read a powerful quote by Thomas S. Monson: Our most significant opportunities will be found in times of greatest difficulty. Money stress is definitely a great difficulty. So what significant opportunities are found within financial chaos? An opportunity to forge stronger, more loving communication. Couples can choose to... Continue reading

Posted 4 days ago at frugal2free

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Absolutes such as always, never and all are fastpaths to lasting prosperity. It's rarely fashionable and never politically correct to extol absolutes. Nevertheless financial and familial prosperity are intricately tied to absolutes. Always put people first. Always use money unselfishly. Never lie, cheat, or steal. All success is a stewardship,... Continue reading

Posted 6 days ago at frugal2free

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On Monday I hiked The Subway at Zion's National Park with family. The ten hour long epic journey through hot climbs and icy-cold descents provided ample time to reflect on the purpose of Cairns. Cairns are man-made piles of stone used to mark trails. When hikers/bikers see a Cairn they... Continue reading

Posted 6 days ago at frugal2free

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KT Tape is both

A professional runner told me about the merits of Kinesiology Therapeutic Tape or KT Tape. She had just returned from running a race on a sprained ankle. She told me how the KT Tape provided support and flexibility. Traditional ankle wraps provide only support or flexibilty. Budgets are like KT... Continue reading

Posted 7 days ago at frugal2free

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Liberal, conservative

Life is full of false dilemmas from politics to marriage. Rarely is life an either or proposition. The reality is two opposing views add depth and understanding. As understanding increases so does love and peace. Prosperity is combining liberal practices with conservative practices. Be liberal, generous with family time. Be... Continue reading

Posted Jun 8, 2013 at frugal2free

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When a tree falls

In the Summer of 2007 my wife and I enjoyed a vacation in Vancouver, British Columbia. One of the highlights was the 460 foot long Capilano Suspension Bridge. A 300 year old Douglas Fir tree weighing 92,000 pounds fell on the tree months before we arrived. The bridge didn't break!... Continue reading

Posted Jun 7, 2013 at frugal2free

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Have you ever seen an asymmetrical body builder? Someone who works his upper body only to neglect his legs? Puny legs are the result. Or someone whose right arm is much larger than her right arm? Awkward looking. Or perhaps someone who works his chest but ignores his back? He... Continue reading

Posted Jun 5, 2013 at frugal2free

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Unite+Defend+Preserve

Three words jumped out at me as I read from my favorite book of Scripture a few mornings ago. Unite. Defend. Preserve. What should we unite, defend and preserve? Family. How? Using assets and income as tools for prosperity, abundance. Are you united with your spouse? Do you defend him/her?... Continue reading

Posted Jun 4, 2013 at frugal2free

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What baby goats want

Have you ever fed a baby goat, a kid? A few weeks ago our family visited a local farm to help feed several kids. We used giant bottles filled with milk. At first three or four baby goats jostled to drink from each held bottle. As I helped feed them... Continue reading

Posted Jun 3, 2013 at frugal2free

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Persistent practices

Persistent practices aren't always propellers for perfection. "We don't use the Internet in meetings." Really? Why not harness connections to enhance the meeting? "I only talk to people face to face." Perhaps e mail and texting were inspired to help people connect in multiple ways. "My spouse deals with the... Continue reading

Posted Jun 1, 2013 at frugal2free

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It's very hard to win a game without keeping score. When I was about 13 I played on a community center All-Star team. The coach thought we shouldn't keep score when we scrimmaged. Some parents felt we should keep score. And so a few parents kept tally on notepads. It's... Continue reading

Posted May 30, 2013 at frugal2free

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He said it quietly. During a meeting discussing under performance a leader expressed his belief in another person by closing his assessment with the word yet. He said something like, "He hasn't overcome that problem yet." Yet expresses hope in the future. Hope in people. Belief in change. Yet is... Continue reading

Posted May 29, 2013 at frugal2free

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When facts don't matter

Norman Vincent Peale's The Power of Positive Thinking is a time-tested great book. If you want a better life, consider reading his masterpiece. He unabashedly traces positive thinking to faith in God. As I listened to his masterpiece I heard a truth that bears constant repeating: attitude is more important... Continue reading

Posted May 27, 2013 at frugal2free

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Carlos Boozer is known as an outstanding offensive player. He is also known as a very weak defensive player. His coach will often bench him during important times so he won't allow opposing teams to score. He usually misses the best part of games, the end of game. With money,... Continue reading

Posted May 24, 2013 at frugal2free

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Like you were dying

My dad has battled with cancer, kidney and liver failure and chronic infections for over ten years. Last night we thought he would die. He was weak and felt knife like pain in his side. I helped him to his bed and tried to ease his immense pain. During his... Continue reading

Posted May 22, 2013 at frugal2free

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Zip line as a master teacher

I went on a Zip line today and learned some valuable lessons. On the fifth stage I decided to go jump backwards from the platform. At about 40 mph I attempted to turn around but couldn't. I was never able to recover before hitting a platform backwards. Thankfully a guide... Continue reading

Posted May 21, 2013 at frugal2free

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A dance recital

A few nights ago my family attended a Jr High dance concert to cheer on my daughter. Inspiration was the theme of the spectacular concert. It started with music and images synchronized to quotes from inspirational leaders such as Gandhi, Lincoln and Martin Luther King. Dancers, dressed as inspirational leaders,... Continue reading

Posted May 20, 2013 at frugal2free

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Are you a coach?

Have you ever tried to act as umpire, talking down to others or yelling at people? Umpires are never wrong (even when they are wrong). They may consult with other umpires but never with the players. Transactions (eg. plays, strikes, hits, etc) matter most. People are an afterthought. They make... Continue reading

Posted May 17, 2013 at frugal2free

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In your quest to be debt free and prosperous you will encounter disinformation, false or inaccurate information. Often disinformation comes from well meaning friends or relatives. The more you study financial truths (from multiple sources), the better you become at discerning misinformation/black propaganda. The victim of disinformation is the ignorant.... Continue reading

Posted May 16, 2013 at frugal2free

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Bo Jackson was a huge star in the early 90's. He was a powerful hitter with the K.C. Royals and a lightning fast running back for the Raiders. He is the only player ever to become an All-star in two sports. I watched a fun ESPN special about Bo that... Continue reading

Posted May 15, 2013 at frugal2free

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Nothing without a net

Life is a daring adventure! Opportunities for gain and good are everywhere. Like trapezists we enjoy life most by reaching for new heights. Investing or achieving dreams involves risk similar to those of a trapezist. Trapezists always use a safety net. Then why is it so easy to forget a... Continue reading

Posted May 14, 2013 at frugal2free

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The problem with blind spots,weaknesses that we don't know about,is that we don't know we have them. A man from my youth wanted to become uber wealthy. He didn't see his blind spot, dishonesty. He stole millions of dollars before going to prison. He didn't see his lying but all... Continue reading

Posted May 11, 2013 at frugal2free

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Barking isn't leading

Leadership is essential to becoming financially free. You must lead yourself and your family. Barking, commanding others and manifesting their weaknesses, is coercion not leading. Barking temporally manipulates people into movement. Leadership is gentle, kind, persuasive. Leadership influences and inspires for eternity. Lead often. Bark less. Repeat. Continue reading

Posted May 9, 2013 at frugal2free

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