Growing Up Thomas

Today is Sunday, January 22, 2017.  Colin turned 10 years old today.  Hard to believe that he has grown up so fast.  Time has truly flown by.  I’ve been working on uploading our old pictures to our new hard drive and seeing pictures of him and the twins when they were babies brings back memories.

So today I’m going to take a minute to edify my amazing son.  He is 10 years old and very smart.  I was using our Apple TV today and he had figured out how to download apps and put them into folders on the Apple TV.  I had a hard time deciding whether to be mad at him for messing with it and downloading things without asking or be proud of him for figuring it out.  I’m a little of both I guess.  He got a rip skate board for his birthday and figured out how to ride it within a day.  Although he has to be reminded to start his homework, he rarely needs help with it.  Colin has a lot of personality and is fun to be around.  He loves to laugh and make jokes.  He’s a leader among his group of friends and a pleasure to be around.  He’s very sensitive (gets that from his father) and hates the idea that he would do anything to hurt anyone.  He’s also very confident and sure of himself.  Words of affirmation is his love language.

I’m constantly reminded of how little time I have left with Colin, to teach him the things he needs to learn.  We’ve spent so much time in reactive mode, trying to survive and pay our bills, that I feel like I haven’t done enough for him as a parent.  I’m often too hard on him because I know what he’s capable of, the very thing I swore I wouldn’t do.  I trust that God will help fill in the gaps where I have fallen short but Colin is coming so close to becoming a man.  And he’s going to be an amazing man.  He loves the Lord and deep down always wants to do the right thing, even if he doesn’t always succeed.  I’m very proud of him and take no credit for the amazing kid that he is.  All of that is in spite of me I assure you.

If you’re reading this, please share a word of encouragement or a memory you have of him in the comments section.  I know he would love to read them and it would fill his love tank.

Be blessed everyone.  Have a great week.

3 Reasons You Need Life Insurance

As a financial planner, there are a lot of things I can do for my clients.  I can help you save money, create an emergency fund, invest for the retirement you want, and even help you make more money in some cases.  These are the things we discuss when I sit down with my clients.  From where I sit, the ones mentioned above are up to the client.  The one thing that I press hard on and think is the most important thing you can do for your family is life insurance.  Death comes to us all.  There is no avoiding it.  But most people don’t want to talk about it.  They avoid the subject like math class (no offense to mathematicians).  But by avoiding it, we set our family up for a truly miserable experience if we die early.  When my family couldn’t afford to invest in anything else, we still got life insurance.  Here are three reasons that I believe life insurance is the most important investment you can make right now (not right now as in the general time period, but right now as in call me as soon as you’re done reading this.)

    1. Your family needs to pay for your funeral

The average cost for a funeral is about $7,000-$10,000.  Does your family have that amount saved up in case somebody dies?  Probably not, especially if the amount of gofundme campaigns I’ve seen to pay for funerals in the last year is any indication.  Your family has just lost you.  They should be grieving, but instead they are standing on street corners or starting gofundme pages to try to pay for the funeral that has caught them off guard.  Maybe they open a new credit card or use an old one to pay for the expense and then have to pay down that debt for the next 10 years, a constant reminder of that day.  It adds to an already stressful situation when the family has to figure out how they are going to bury you.  Let your family grieve as they are meant to do.

2. Your family has to survive

This is especially true if you are the only one bringing in money every month.  How is your family going to eat and pay bills with you gone, especially in the immediate? Life insurance can help pay your bills for your family until they are finished grieving, and even beyond.  You can have your bills paid for multiple months with your life insurance and it doesn’t cost you as much as you think per month.  Think of the relief that your family will have knowing that they are taken care of and they can mourn without worry.  What greater gift can you give your family than taking care of them when you are no longer around?

3.  Your family has to pay off debt

Debt is a slave driver.  It looms over our heads, putting pressure on us constantly.  With life insurance, your family will be able to pay off all of their debt and just pay the monthly bills (see reason #2).  Life insurance can help pay off your house and your credit cards and let your family start from scratch with their finances.  Again, it allows them to grieve over losing you and not have to immediately think about how they are going to survive.

When I sit with a family to talk about life insurance, I generally look at 4 things, using DIME as a mnemonic device.  I look at Debt, Income, Mortgage, and Education.  I don’t just pick a random number out of a hat and try to sell you that much life insurance.  You choose which of the four you want your life insurance to pay for.  I can also help you plan out your future by giving you a road map for how to get from where you are to where you want to be, including savings, retirement, and emergency fund.  Best of all you never pay me anything out of pocket for these services.  If I’m able to help you, the product providers pay me.  Visit the Contact Us page to set up a time to talk with me about these things.  The last thing that I want to mention is this: many people think they have life insurance through their job when what they actually have is Accidental Death and Dismemberment insurance.  They are not the same thing.  With ADD insurance, you have to die in a pretty specific way in order for it to pay out.  Make sure you know what you have and don’t assume.

Be blessed everybody.

Challenge Accepted

New year, new fitness goals.  Lena started a few months ago with BeachBody and the results are amazing.  I started working out when we did a team challenge for and then stopped over the holidays, but both of us have a challenge starting this week.  Hers is a 30 day fitness challenge.  I’m pretty excited about what she is doing for people.  She is passionate about helping people get fit and get healthy.  If you follow her on Facebook and Instagram you can see the results.

My challenge is with  It’s a 12 week transformation challenge and I’m excited to finally get into the groove and stay there.  I’ve seen the difference, and I never want to go back to my old self.  The lack of sleep, the general sluggishness, constantly being out of breath.  When I was on the last challenge I felt so much better.  Due to circumstances in my life I didn’t do as well on that challenge as I wanted to, and I’ve spent the last month gearing up and waiting for this challenge.  My main goal this year (as it pertains to the topic) is not to lose weight or inches, but to lose excuses.  Stuff is going to happen, because it always does.  But I have to push through.  I can’t lose focus because of anything else that’s going on, or it’s just going to be an endless cycle of starting and stopping.  You know how painful it is when you start a workout routine?  When you start and stop you are perpetually in that state, and I don’t want to stay there.

If one of your goals is to be healthier this year, get rid of the excuses.  You don’t have to go from zero to 150 mph all at once.  Start small.  Cut out sugar.  Stop drinking soda and drink lots of water.  Cut 200 calories per day out of your diet.  Exercise for 30 minutes per day.  It may not be life changing at first, but you will start to see results.  As you see the results, you will probably be motivated to do more.  It becomes exponential.  The best thing to do is to join a challenge group.  I don’t say this to try to promote Lena or sell you on something.  I’ve just seen the amazing results when people are part of a challenge group and working together to help each other reach their goals.  A lot of people are reluctant because they don’t want to be chastised or told they suck when they miss a workout.  That’s not what these groups are about though.  They encourage one another when someone is feeling like a failure.  They share their own failures and get vulnerable.  When someone falls off of the horse, the rest of them help that person back up.

Americans in general are very unhealthy.  With the amount of genetically modified food out there and so few laws limiting what restaurants and fast food places can serve, we are not healthy as a whole.  This can enslave us.  I’m all about freedom.  One of the prisons that we live in is the effects that the way we eat has on our lives.  It doesn’t matter what body type you are either.  Some people think that because they have a good metabolism and are skinny they can eat whatever they want whenever they want, but junk is junk.  Putting all of that junk in our bodies makes our lives pretty limited, and puts us at risk of dying early.  I love what companies like and are doing for our country, and the following they have.  It gives me hope that we can come back from this.  People are more aware now of what the effects of lousy food and lack of exercise are having on their bodies.

I don’t like challenging people to do things.  It’s a little too in your face for me.  I like to encourage people.  I encourage all of you to make this the year that you take control of your health.  I know eating organic can get expensive, but if we all bought as much organic food as possible, soon the rest of the companies will have to follow suit.  Either way, learn about good nutrition and feed your body what it needs.  Both web sites that Lena and I use (we each use both for different things) have a lot of information on good nutrition, not just workouts and exercise.  Choose something and give your body what it needs this year.  I promise you will feel so much better and love the results.  I’ll keep you updated on our progress periodically, or you can follow Lena and I on Instagram or Facebook for more up to the minute updates.  Lena is on Instagram @yelenathomas.  You can find all of my information to the right of this post.

Have a great week and a great year everybody.  Be blessed and free.

Happy New Year. Wait, what?

Happy New Year everybody.

2016 really came and went.  I say all the time that the years seem to get shorter every year but 2016 truly flew.  I have no idea where it went.  If I’m totally honest, 2016 didn’t go as planned for me.

I started out 2016 with big plans.  It was going to be my year.  My business was finally going to take off, my kids were going to be perfect, obedient children, we would get out of debt, and life would be awesome.  Life didn’t exactly work out that way.  I struggled through trying to figure out how to make my business succeed.  Once again, I didn’t achieve the goals that I set out for myself.  My spiritual life suffered.  I spent a lot of time frustrated and trying to figure out what the Lord wanted me to do.  I thought I was following His lead.  I thought I was doing everything I was supposed to.  But I just wasn’t getting anywhere.  Or at least, I didn’t think I was.  It’s hard to see the progress when you’re in the thick of it.  God has the 3 mile in the sky view that we don’t have.  Sometimes we don’t see what the Lord is doing in us while it is happening.  He may be working on our character, or simply setting things up that we can’t see yet.  The problem is that I spent so much time trying to do it in my own strength that I wasn’t spending as much time reading my Bible and praying as I should have been.  It was probably this fact that made me feel like I wasn’t hearing from the Holy Spirit anymore.

Finally, in December, when we were on our way to our family vacation, the Holy Spirit spoke.  It wasn’t audible, but I heard it.  He said I could have whatever I wanted but I had to work hard at ALL of it.  That’s when it hit me, the one thing that I was doing that I hadn’t realized all year.  I was essentially putting out fires.  I never made much progress because I would focus on my business until my family felt neglected, then I would run over and work on my family relationship and realize that my church responsibilities were being neglected, so I would run to that until I needed to go back to the business.  I realized that in 2017, I had to work hard at all of it.  Sure it’s going to be difficult, but I have to do it if I want to accomplish the things I believe the Lord wants me to accomplish.  I can’t do it in bits an pieces.  The problem is that in being so fragmented, I was working really hard and not making as much progress as I wanted to.

If any of this resonates with you, then you’re who I’m writing this blog post to.  I don’t suddenly have it all figured out and my life is perfect.  The whole point of my blog is that I’m walking this journey with all of you and sharing what I learn along the way and hoping it helps you take the next step toward freedom.  My encouragement to you all for 2017 is don’t make new year resolutions.  Set some good goals for yourself.

My goals for 2017 include building relationships, spending more time with my family, getting out of debt, raising money for our missionary in Mexico to finally build his house, get fit, and be able to read Biblical Hebrew.  Reach high.  But don’t set goals for yourself that you are never going to accomplish.  They should be faith building but realistic.  And then work.  Whatever your goals are they are going to take work to accomplish.  Most of all, don’t let your work distract you from your relationship with the Lord.  Don’t forget that He is the one that provides all of it.  If your relationship with Him fails, the rest of it will follow suit.  I learned that the hard way in 2016.  Truly, the instant I learned these lessons in the last couple of weeks, business opportunities started popping up out of nowhere.

I hope you all have a very blessed 2017.  Another one of my goals is to do at least 3 blog posts a week, one written, one video, and one podcast.  However, I’m not doing this because I’m an egotistical narcissist that desperately needs people to listen to what he says.  I want to be of service to you.  If you have any questions, or even prayer requests that you want me to pray for, if any of my skill sets can help you find your freedom in 2017, please email me (

Here’s to a great 2017.  May you find freedom this year.