Ready to Explore the Keys to Financial Success Including Investments, Retirement Planning, Income Planning, Cash Flow Management, Insurance, Dependent Planning, Estate Planning and Asset Protection?
Do You Have a Definite Working Financial Plan? Is It Working? If not, Here is How to Anyone Can Fix Their Finances in Just 6 Months or Less?
- Imagine waking up knowing exactly where your money is going — without tracking small purchases like lattes.
- Imagine hitting your savings and investing goals — while spending on your family, hobbies, and health.
- Imagine making money decisions with total confidence — while living your Abundant Life.
The MKS Master Key 6 Month Financial Planning Guide and Coaching provides a wealth of resources to help you create and monitor a successful financial future. Explore the keys to financial success including income planning, cash flow management, investments, retirement planning, insurance, dependent planning, and estate planning.
By breaking down complex financial concepts into clear, manageable tools, The MKS Master Key 6 Month Financial Planning Guide and Coaching provides an excellent balance between theory and practice, and is the definitive guide for building your financial wealth.
Inside this innovative coaching and guide you will learn to:
- Overcome the limiting beliefs discussed in rich vs poor mindset books that hold you back.
- Replace old patterns with habits of millionaires as outlined in renowned wealth books.
- Apply insights from the best how to be a millionaire books to transform your financial life.
- Master passive income strategies that align with top investment books and money management books.
- Set specific and achievable financial goals
- Apply economic analysis to all financial decisions
- Analyze income and asset protection strategies
- Integrate and develop your personal financial plan
- Monitor your plan’s success on an ongoing basis
Whether you’re a recent college graduate or decades into your career, The MKS Master Key 6 Month Financial Planning Guide and Coaching provides you with the necessary tools to build a strong financial future and achieve peace of mind. We’ve helped millions of people — bus drivers, teachers, millionaires — make all this a reality, and now it’s your turn. If you genuinely want to fix your financial problems and live your Abundant Life, here is the 6-month blueprint you need to follow.
QUESTIONS AND ANSWERS
1. How do you feel about money?
2. Are there any financial surprises for you in each area above?
3. How do you currently spend time on developing your financial literacy?
4. Would you like to earn more?
5. What would make that income of perfect 10?
6. What would a perfect 10 income look like for you?
7. Which areas would you most like to improve?
8. How would you make changes in each area of your life?
9. What help and support might you need from others to make financial changes—and be more satisfied with your financial future?
10. What change do you want to make first?
11. What is the smallest step you could take to get started now?
12. If there was one key action that would begin to bring everything into balance, what would it be?
THE 6 MONTH FINANCIAL PLAN
The The MKS Master Key 6 Month Financial Planning Guide and Coaching and financial planning process consists of six steps that help you take a holistic approach to assessing where you are financially.
A MKS Master Key Financial Coach and Planner will guide you through this process to guarantee the best possible results for your financial future.
Using these six steps, you can work out where you are now, what you may need in the future and what you must do to reach your goals. The process involves gathering relevant financial information, setting life goals, examining your current financial status and coming up with a strategy or plan for how you can meet your goals given your current situation and future plans.
- Step 1: Establish and define your financial purpose.
- Step 2: Gather financial data, including your goals.
- Step 3: Analyze and evaluate your financial status.
- Step 4: Develop and consider our financial planning recommendations.
- Step 5: Implement the financial planning recommendations.
- Step 6: Monitor the financial planning recommendations.
MONTH ONE
Month 1: Build the Foundation of Your Abundant Life
Step 1: Define Your Abundant Life
An Abundant Life isn’t only about how much money you have. It’s more about using it more intentionally.
Most people go through life on autopilot. They buy things because they think they’re supposed to. They drive expensive cars they don’t care about. They sign up for gym memberships they never use. They stress over every single purchase while ignoring the big picture.
Ask yourself: What do I actually care about? What kind of life do I want to live?
We want you to spend extravagantly on the things you love — and cut costs mercilessly on the things you don’t.
It helps to find what we call your Money Dreams, or the 10 areas people usually spend money on.
We use Money Dreams to Imagine and Design your Abundant Life — and we want you to do the same. What are your Money Dreams?
THE 10 THINGS OR AREAS WHERE PEOPLE SPEND MONEY
1. Housing: Rent or mortgage payments for living spaces.
2. Transportation: Costs for cars, public transit, or fuel.
3. Food: Grocery shopping and dining out expenses.
4. Utilities: Bills for electricity, water, gas, and internet.
5. Healthcare: Medical insurance and out-of-pocket expenses.
6. Education: Tuition fees, books, and supplies.
7. Entertainment: Spending on movies, concerts, and hobbies.
8. Clothing: Purchases of apparel and accessories.
9. Savings: Contributions to savings accounts or retirement funds.
10 Travel: Expenses related to vacations and trips.
Once you’ve decided on your spending, decide on two types of goals:
1. Short-term Money Goals.
2. Long-term Money Goals:
Step 2: Set up a Conscious Spending Plan
A Conscious Spending Plan is a system that lets you spend money guilt-free while still hitting your savings and investing goals.
Again, it’s about being intentional, knowing exactly where your money is going, so you can enjoy spending on what you love without worrying if you can afford it.
Start with your take-home pay (how much you earn after taxes and deductions) and then break your spending into four buckets:
Bucket 1. Fixed Costs (50-60% of your take-home pay):
These are non-negotiables like rent or mortgage, utilities, groceries, transportation, childcare, and debt. Add this up and add 15% to cover expenses you may have forgotten about, like car repairs or medical bills.
Bucket 2. Investments (5-10%, ideally more):
This is where real wealth is created. This is your future money. Think retirement accounts, index funds within those accounts, or any other investments that are going to help you grow wealth while you sleep.
Bucket 3. Savings (5-10%):
This is for short- and mid-term goals like building your emergency fund, saving for a big trip, or saving for a house.
Bucket 4. Guilt-Free Spending (20-35%):
This is where you get to spend extravagantly on the things you love — eating out, travel, hobbies, whatever lights you up.
MONTH 2: BUILD a MONEY MOAT
Step 1: Start an Emergency Fund
By now, you have a clear vision of your Abundant Life and a system that makes your money work for you.
Now it’s time to protect it. We call this “building a moat around your money.”
Why? Because no matter how good you are with money, life will throw you curveballs.
* Your car breaks down.
* You lose your job.
* You get hit with a surprise medical bill.
Your emergency fund is your financial safety net.
Our standard advice is to save 3-6 months of essential living expenses. (Meaning what it would take just to keep the lights on.)
Then open a high-yield savings account and send a set amount — $50 or $100 or whatever fits your Conscious Spending Plan — directly from your checking account to your emergency fund. (If you really like that feeling of safety, you can always expand it to 8 or 10 or 12 months.)
Step 2: Crush Your High-Interest Debt
Debt can feel overwhelming, but with a clear financial plan, you can take control and eliminate it.
Start by listing all your debts, all your cards, how much you owe for each, their APR or interest rate, and minimum monthly payment.
If you have unmanageable debt, call your lenders to try to reduce that interest rate. Yes, sometimes they will actually drop your interest rate. The worst they can say is no, and if they say yes, you’re already one step ahead.
Now list how much money you can put aside each month to crush this debt.
(Plug your numbers into our Conscious Spending Plan to see how much you can use to pay off your debt.)
Assuming you want to pay the least possible amount of interest and want to get rid of this debt fast, here’s what you’re going to do:
* Keep paying the monthly minimum on all your cards
* Use the remaining money you have to pay off your highest-interest debt
* Once that’s paid off, move on to the card with the next highest interest
Think of this as a reverse way of investing: Every dollar you put towards high-interest debt is a dollar that you are saving in future interest, taking you closer to your Rich Life. Do you see how you are taking control? How it feels to crush high-interest debt
Month 3: BUILD WEALTH LIKE A PRO
Debt holds you back, but investing sets you free. It’s how your money grows quietly in the background, even while you sleep.
Most people overcomplicate this. They chase hot stock tips, panic every time the market drops, and get suckered into paying “financial advisors” who charge outrageous fees to do what a $0 index fund can do for free.
Four Laws for Investing:
1. Index funds are your new best friend.
These are collections of hundreds of stocks that mirror the performance of the overall market. Historically, the return averages 7% per year after adjusting for inflation.
Pro tip: Look for Target Date Funds from low-cost brokers like Schwab, Vanguard, or Fidelity. Simply pick the year you want to retire, and look for the fund with that name. It automatically diversifies and rebalances, so your investments get less risky as you age.
2. Time in the market beats timing the market.
Invest early, even with small amounts. Your wealth will stack up dramatically thanks to time and compound interest. Compound interest means you’re going to be earning interest on your money, and then that interest is going to earn even more interest.
3. Max out your tax-efficient accounts.
If your employer offers a 401(k) match and you’re not taking advantage of it, you’re leaving free money on the table. If you can contribute to a Roth IRA, the money you grow can be withdrawn tax-free when you retire. If you’re eligible for a Health Savings Account, use it as an investment account with a triple tax advantage.
4. Fire your 1% financial adviser.
Without fees, a $100,000 portfolio would grow to about $761,000 after 30 years. But if you’re paying a 1% fee, it shrinks to around $574,000. That adviser fee quietly ate up 25% of your total returns. If you have a complex financial situation, use a financial advisor who charges a flat or hourly fee.
How does it feels to NOT hand over 25% of your return in fees?
Month 4: Conquer Your Money Psychology
It’s time to take a serious look in the mirror and have a conversation with yourself about your invisible scripts around money. These are the beliefs that you hold so deeply, you don’t even realize they’re there — yet they shape how you save, spend, and invest your money.
Here are some negative invisible scripts that we come across all the time:
* “Money is evil”
* “I’ll always be bad with money”
* “I need to make more before I start saving or investing”
* “I deserve to treat myself because I work hard”
Now, if you want nice things, great. But you can’t use a pithy phrase to justify overspending on random things — that’s how you stay broke while convincing yourself it’s all about self-care.
* We want you to take 10 minutes and write down everything that comes to mind when you think about money. No filters. No judgment. Just focus on your internal money dialogue.
* Then ask yourself if these beliefs are helping you or holding you back.
* If they’re holding you back, we want you to make a decision to consciously change them.
That could be choosing not to look at the price of blueberries the next time you go shopping. Maybe you decide to find one service you feel good about paying for.
Or it could even be joining the MKS Master Key Money Coaching community.
We’ve shared some exclusive money psychology videos with the MKS Master Key Coaching community — and we think they’ll help you break free from your invisible scripts.
We’ve covered:
* Why money makes us feel guilty
* Building money confidence
* Talking to your partner about money without fighting
We especially want you to talk to your partner about money. You have to talk openly with your partner about money.
If you don’t have a partner, go ahead and skip to Month 5. If you do have a partner, we want you to have a 30-minute money date.
No stress, no spreadsheets. Just an open conversation about money: how you feel, what you want, what’s holding you back.
Agenda for Your Partner Money Meeting:
* Start positive.
This part takes around 5 minutes. Pick a calm, quiet time, and start with a compliment. Something like, “You are so great at finding travel deals. Thank you. It always makes our trips amazing.”
* Discuss your Abundant Life.
This should be about 10 minutes. Ask them, “What does an Abundant Life mean to you? If we could spend more on something we love, what would it be?” Start from a place of possibility.
* Unpack Your Money Scripts.
This should last about 5 minutes. Ask them, “What did you learn about money growing up? How do you think that affects you now?” Just like you need to know your own invisible scripts, you also want your partner to explore theirs.
* Review the numbers.
This is 5 minutes only. Share the basics of what you’ve learned over the last 3 months: about income, savings, big expenses. Don’t pull out a spreadsheet. This is just about building awareness and connection.
* End on action.
Another 5 minutes. Celebrate a win and pick one small step. “Hey, let’s set up a travel fund this month so that next year we can take that trip,” or, “When should we talk next? Maybe 2 weeks from now?” This keeps the momentum going.
If you want to go further in depth on this, our new MKS Master Key Money for Couples Coaching,” lays out a system to help you create an Abundant Life with your partner.
Month 5: Increasing Money by Negotiate Everything
1. Increase Your Income
Let’s start with the most common way of increasing your income: negotiating a salary raise. A $10,000 raise can compound into hundreds of thousands of dollars over the course of your lifetime, yet too many people settle for less than their market value because they’re afraid of the conversation.
Here’s how to do it:
* Prepare your case. Track specific examples of how you’ve added value, hit goals, or saved the company money.
* Research your worth. Use websites like Glassdoor, Payscale, and Salary.com to find the market rates for your role and experience.
* Practice the conversation.
You can use this script: “I’ve been reflecting on my performance over the last year, and I’ve consistently delivered [X specific results]. Based on my contributions and market data, I’d like to discuss adjusting my compensation to [target number]. How can we make this happen?”
Don’t simply accept the first offer. Generally speaking, you may not get an instant cash infusion. If they push back, that’s OK. Ask about flexibility. Explore alternative benefits like bonuses or vacation days.
* Think of what you can do with an extra week of vacation each year.
2. Negotiating Expenses.
When it comes to building wealth, the biggest wins often come from cutting major expenses. We’re talking about housing, cars, and recurring bills.
Here’s where you can get big wins:
* Negotiating Housing Costs.
You can negotiate your rent. (Yes, you can do this.) And during certain times, homeowners can call their lender about refinancing at a lower rate. Just know that while housing can make the biggest difference, it’s also the hardest to change.
* Negotiating Transportation.
This is also difficult to change. But does your household really need 3 cars? Do you need to buy a new one when the one you have is 5 years old? Decisions on how long to keep a car can save hundreds — even thousands — of dollars a year.
* Negotiating Recurring Bills.
Look at your monthly bills (cable, internet, subscriptions). Are you still using all of them? Can you cancel what you don’t need or negotiate lower rates?
Pro tip: If you go to the retention department of many subscriptions, let them know you’re thinking of canceling. You’ll often get a major discount.
* Negotiating Interest Rates.
Pay off your credit cards as quickly as possible, but also call up the company and ask for a lower rate. Say something as simple as, “I’ve been a customer for over 6 years. I’d like to request a lower interest rate on my credit card.” That five-minute call could save you thousands of dollars.
* Negotiating Fees.
You can often get late fees and overdraft fees waived by simply calling and saying, “Hi, I notice I have a $35 overdraft fee on my account. I’d like to have that waived, please.” In other words, take control of your money.
Month 6: Scale Up Your Abundant Life
Schedule a monthly money check-in with yourself or your partner. Here’s what you do:
1. Celebrate Your Wins.
Paid off another chunk of debt? Great! Hit a savings milestone? High five. You took control and made changes — and it’s paying off. You deserve to appreciate yourself for that.
2. Review your numbers.
Compare your income, expenses, investments, and debt with your Conscious Spending Plan.
3. Make adjustments.
Are you on track to pay off that credit card debt by your target date? If not, maybe you need to cancel a few subscriptions or cut down on eating out. Or even get some extra support through our MKS Master Key Money Coaching community. The important thing here is that you are course correcting.
This check-in takes only 1 hour per month, and it will result in you living a very Abundant Life.
4. Commit to a 6-month annual review.
This is just 1 hour every 6 months, with 2 items on the agenda:
*1. Revisit your Abundant Life vision. Is it still what you want?
For example, if you could spend $10,000 guilt-free, would you still choose to spend on the same thing? Are you on track to reach it?
2. Update Your Financial Plan.
Maybe you got a raise, maybe your priorities changed, maybe something broke in your house. That’s life, and your financial plan should change with it. Try to be aggressive with debt repayment and investments, but also remember that you have to spend some money on yourself.
We love doing a 6-month review because if something has gotten off track, you still have another 6 months to correct it before the end of the year. And if you decide you need to make more and reach your Abundant Life sooner, take a look at the MKS Master Key Earn1K Coaching Program.
In the end, if you do the fundamentals and stay consistent, your experience is going to compound. And after just a few months, your life is going to look completely different.
Contact and join us now to live your abundant life with a FREE MKS Master Key Abundant Life Coaching Session.
Financial Freedom: Achieve Financial Independence and Live on Your Own Terms
Unlock Your Path to Financial Freedom: Achieve Financial Independence and Live Life on Your Own Terms!
Are you ready to move from financial uncertainty to clarity and control? This full audiobook, “Financial Freedom: Achieve Financial Independence and Live on Your Own Terms” provides a practical, step-by-step guide to help you design the life you truly desire.
Stop letting money dictate your choices and start achieving financial independence. Many feel overwhelmed by personal finance, but financial freedom isn’t just for the wealthy; it’s about having options and control.
Whether your goal is escaping a job you dislike, pursuing passion projects, traveling, spending more time with family, or simply achieving profound peace of mind, this audiobook offers actionable financial freedom tips and strategies.
Learn how to achieve financial independence, regardless of your starting point.
Inside this comprehensive MKS Master Key Coaching guide, you’ll discover:
✔️ Laying the Foundation: Define your personal vision of financial freedom, confront your current financial reality (calculating net worth & cash flow), and craft a budget (spending plan) that actually works for you. Master financial planning basics.
✔️ Taming Debt: Explore proven strategies like the Debt Snowball and Debt Avalanche to become debt-free and regain control.
✔️ Building Security: Understand the power of saving, build your essential emergency fund, and create a safety net.
✔️ Mind Over Money: Delve into financial psychology, understand common biases (like loss aversion and herd mentality), and develop a mindset geared for financial success.
✔️ Investing for Beginners: Demystify investing! Learn the difference between saving and investing, the magic of compound interest, and the basics of stocks, bonds, and funds (mutual funds & ETFs). We make investing for beginners simple and accessible.
✔️ Smart Strategies: Discover the power of low-cost index funds and ETFs for easy diversification. Build your personalized investment portfolio through strategic asset allocation.
✔️ Automation & Optimization: Harness the power of automating your investments (the “set-it-and-forget-it” approach) and dollar-cost averaging. Learn how to use tax-advantaged accounts (like 401(k)s, IRAs, Roth options) to keep more of your growth.
✔️ Building Passive Income Streams: Explore realistic ways to generate income beyond your primary job, including income from investments, dividend income strategies, real estate passive income (with caveats), and potential online passive income opportunities. Learn about residual income generation and automated income generation concepts.
✔️ Protection & Longevity: Understand essential insurance needs and the basics of estate planning. Learn how to handle market volatility, stay the course during setbacks
Will You Achieve Financial Independence in As Little As 12-48 Months? Move from Financial Uncertainty to Clarity and Control? If not, Consider this.
Regardless of Your Starting Point You’ll Need To Follow This Plan:
1. Lay the Foundation
2. Tam Debt
3. Build Security
4. Mind Over Money
5. Investing for Beginners: Demystify investing!
6. Smart Strategies
7. Automation & Optimization
8. Building Passive Income Streams
9. Protection & Longevity
We’ll help you achieve financial freedom through:
* Budgeting
* Debt Reduction for Life
* Set Financial Goals
* Make Good Career Choices
* Save for Emergencies
* Plan for Big Purchases
* Invest for Retirement
* Look for Ways to Save Money
* Live Below Your Means
* Help Your Kids Save for College
* Pay Off Your Mortgage Early
* Make Health a Priority
* Get the Right Insurance in Place
* Be Generous With Others
Tools That You’ll Need to Make Your Family Rich for Generations?
1. Real Estate, 2. Index funds and ETFs, 3. Dividend stocks 4. Private equity
5. Farmland 6. Precious metals 7. Timberland 8. Fine art and collectibles
9. The power of intellectual property 10. High yield bonds and Treasury securities 11. Luxury assets 12. Wine and whiskey 13. Rare books
14. Cash flowing websites 15. Media companies 16. Others
We will provide you with the highest quality, most informative, and mind-blowing financial coaching.
MKS Master Financial Coaching Covers
Your Path Starts Here 00:00 Part 1: Laying the Foundation What is Financial Freedom REALLY? (And Why It’s Personal) 03:23 Confronting Your Financial Reality: The Honest Assessment (Net Worth & Cash Flow) 05:55 The Bedrock: Crafting a Budget That Works for YOU 09:56
Taming the Debt Beast: Strategies for Becoming Debt-Free (Debt Snowball / Avalanche) 13:36 The Power of Saving: Building Your Emergency Fund and Beyond 17:34 Part 2: Growing Your Wealth Mind Over Money: Understanding Your Financial Psychology 21:16
Introduction to Investing: Making Your Money Work for You 25:01 Compound Interest: Your Greatest Ally (If You Start Now) 28:28 Decoding Investment Options: Stocks, Bonds, and Funds Explained Simply 32:07 Index Funds & ETFs: The Beginner-Friendly Path to Diversification 36:23 Building Your Investment Portfolio: Strategy and Asset Allocation 40:48 Automating Your Wealth:
The Set-It-and-Forget-It Approach (Dollar-Cost Averaging) 45:23 Part 3: Optimizing and Protecting Your Freedom Tax-Advantaged Accounts: Keeping More of Your Growth 49:03 Beyond the Basics: Exploring Real Estate and Other Alternatives 53:35 Protecting Your Wealth: Insurance and Estate Planning Essentials 57:22
Generating Passive Income Streams: Diversifying Your Earnings 1:01:42 Staying the Course: Handling Market Volatility and Financial Setbacks 1:05:46 Defining “Enough”: Calculating Your Financial Independence Number (4% Rule) 1:10:31 Living Financially Free: Designing Your Life on Your Terms 1:15:16 https://www.youtube.com/watch?v=9DvVothk6rY
15 Investment Tools Rich People Use To Build & Keep Wealth
Private banking & Black Cards 01:51 – Family Offices & Offshore Accounts 03:16 – Back-door access services 04:14 – The Stock Market: Direct‑Index & Option Overlays 05:23 – Digital Security & Anonymity 07:05 – Physical Security & Movement 08:48 – Prenuptial agreements 09:50 – Trusts & Estate‑Planning Vehicles 11:31 – Insurance Wrappers as a Private Bank 12:36 – Advisors 14:05 – Assistant & Concierge Services 15:23 – Smart Debt & “Buy, Borrow, Die” 17:21 – Private Membership Clubs 18:47 – Philanthropic Foundations 20:12 – Golden Visas, Citizenship & Passports https://www.youtube.com/watch?v=zHiQS3WVzHk
| Now Complete Your Current Financial Assessment Analysis |
| NET WORTH $ Assets (current value of car, home, property, business) $ Investments (include 401K, non retirement — all investments) $ Savings $ Debt (students loans, credit card debt, mortgage) $ TOTAL NET WORTH $ INCOME $ Gross monthly income $ Net monthly income $ FIXED COSTS (50-60% of take home) Rent / Mortgage $ Utilities $ Insurance $ Car Payment / Transportation $ Debt Payments $ Groceries $ Clothes $ Phone $ Subscriptions $ Miscellaneous (automatically adds 15% for things you forgot) $ FIXED COSTS TOTAL $ INVESTMENTS (10% of take home) Post-Tax Retirement Savings $ Stocks $ 403b $ INVESTMENTS TOTAL $ SAVINGS GOALS (5-10% of take home) Vacations $ Gifts $ Long-Term Emergency Fund $ Parent Aid $ SAVINGS TOTAL $ GUILT-FREE SPENDING (20-35% of take home) GUILT-FREE SPENDING TOTAL (Dining out, movies, anything you want!) $ |
| Net Worth Total assets: $ Savings: $ Debt: $ Total net worth: $ Fixed Costs Fixed costs $ Rent: $ Groceries: $ Miscellaneous: $ Current savings rate: $ Emergency fund: $ Total Fixed Costs $ Investments Investing $ per month Total Investments $ Guilt-Free Spending Currently $ Overall Thoughts Can you retire? Some ideas: Can you afford a: _____ B. Assessment Conclusion C. Recommendations |
| Now Complete Your Establish Your Future Financial Picture in Each of The Areas. |
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Reitenbach-Kissinger Institute
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