Business Owners Keep More of Your Hard Earned Income Legally and Tax-Free

Put More Money Back in Your Pocket Now With These 23 Deductions That Save You Tens of Thousands of Dollars!

We don’t have to convince you that taxes can be complicated—especially for small-business owners. As a responsible tax-paying citizen and a small-business owner, we know it for a fact!

But not paying attention to your taxes could cost you big-time—especially if you’re not sure which small-business tax deductions you’re eligible for. And Uncle Sam doesn’t exactly give you a road map here. So allow me to help you out.

Here’s what you need to know: The IRS considers anything “ordinary and necessary” to run your business as a tax-deductible expense. So, paint brushes for an artist? Yes. Getting your hair done so you can look jazzy on your Zoom calls? Not so much . . . unless you’re an entertainer. Still not sure what qualifies as tax-deductible? We got you! We’ll help you understand what you can write off as a business expense on your tax return.

For Small Business Owners there Are 21 Small-Business Tax Deductions You Need to Know to Not Pay. Many business owners don’t take full advantage of available tax deductions. Below there are some you won’t want to miss.

Many business owners don’t take full advantage of available tax deductions. Here are some you won’t want to miss.

The 23 Small-Business Tax Deductions Checklist That Save You Tens of Thousands of Dollars

Certain expenses are specific to the kind of business you run. But we’ve put together a check list of common deductible business expenses that apply to most small-business owners. Are You taking these deductions?

  1. Qualified Business Income
  2. Home Office
  3. Rent
  4. Advertising and Marketing
  5. Office Supplies and Expenses
  6. Software Subscriptions
  7. Office Furniture
  8. Utilities
  9. Repairs
  10. Inventory (Cost of Goods Sold)
  11. Auto Expenses
  12. Energy Efficiency Expenses
  13. Travel
  14. Business Meals
  15. Salaries and Employee Benefits
  16. Freelance or Contracted Labor
  17. Employee Gifts
  18. Education
  19. Taxes
  20. Insurance
  21. Legal and Professional Fees
  22. Bad Business Debts
  23. Debt Interest

The 23 Small-Business Tax Deductions Explained

1. Qualified Business Income

The 2018 tax reform law changed how deductions work for most taxpayers—including small-business owners. Under the tax law, most small businesses (sole proprietorships, LLCs, S corporations and partnerships) can deduct 20% of their income on their taxes. 

Here’s what this means: Say your small business generates $100,000 in profit. You can deduct $20,000 before ordinary income tax rates are applied.

But hold up! There are a few limits that could prevent you from claiming this deduction. The biggest obstacle is the income limit that applies to some high-income business owners. Think lawyers, doctors and consultants. Once your income exceeds that limit (in 2024, the Qualified Business Income Deduction limits are $241,950 for single filers or $483,900 for pass-through business owners who are married filing jointly) this deduction starts to phase out

Wait—pass-through business owner? That all sounds pretty complicated, but it’s simpler than it seems. A pass-through entity is just a small business (shout out to the   LLCs and S corps) that don’t have to pay corporate income taxes. The small business we own is a pass-through entity as well (in our case an S corporation). Basically, how it goes down is the business owner pays the taxes at their personal rate. Look, just reach out to a tax pro to see if you’re eligible for this pass-through entity deduction.

2. Home Office

Did you rearrange the spare room in your house or apartment into a home office space? You’ll probably be able to deduct some expenses if you’re using your home for business. This includes mortgage interest, insurance, utilities, repairs and depreciation. Aye, that’s what I’m talking about. Come on and get this money back! The simplified version of this deduction also allows small-business owners to deduct $5 for every square foot of their home office—up to a max of 300 square feet.2

But wait! The IRS allows you to claim this deduction only when you use your home office exclusively for business purposes on a regular basisSo if your office doubles as a guest room for your mom when she’s in town, that won’t fly.

3. Startup and Organizational Costs

Our first small-business tax deduction comes with a caveat — it’s not actually a tax deduction. Business startup costs are seen as a capital expense by the IRS, since they are an investment in your business (the money hasn’t actually left the business, it was just transformed into an asset).

Deductions for capital expenses typically occur over several years. This is known as amortization, and helps businesses accurately assess profitability year over year. You can check out chapters seven and eight of IRS Publication 535, which covers business expenses for more information.

4. Inventory

Some inventory-based businesses will manufacture products or purchase them for resale. If this is your business model, you can deduct the cost of your inventory, or the cost of the goods you sell. You generally must value inventory at the beginning and end of each tax year to determine your cost of goods sold.

The following are types of expenses that go into figuring the cost of goods sold:

* The cost of products or raw materials, including freight.

* Storage.

* Direct labor costs (including contributions to pensions or annuity plans) for workers who produce the products.

* Factory overhead.

5. Utilities

Any utilities that you use for your business are fully deductible. This includes things like water, electricity, trash and telephone bills. However, if you have a home office and use a landline, the cost of the first landline is not deductible, but subsequent landlines are.

6. Insurance

Most businesses will take out some form of business insurance. The cost of the business owner’s health insurance, business continuation insurance and the business owner’s policy are all 100% deductible.

Other types of deductible insurance policies include property insurance, liability coverage, malpractice insurance, workers’ compensation costs, auto insurance, business provided employee life insurance and business interruption insurance.

Note that with health insurance, a small business may also qualify for up to a 50% tax credit under the qualified small employer health reimbursement arrangement, known as QSEHRA.

7. Business Property Rent

If you rent your business property, you can deduct your lease or rental payments from taxes. Alternatively, if you run your business from home, you can also run an eligibility test with the IRS to see if you are entitled to any deductions.

Types of deductible home business expenses include mortgage interest, insurance, utilities, repairs and depreciation. You can learn more through IRS Publication 587.

8. Auto Expenses

If you have a car for business purposes, you can usually deduct anything considered a car expense. However, you have to have records that prove business usage, as well as keep track of your miles.

Conversely, you can rely on the IRS standard mileage rate: For the first half of 2024, this rate was 65.5 cents per mile.

If you use your car for both business and personal purposes, you must divide your expenses based on actual mileage. Refer to Publication 463 on travel, entertainment, gift and car expenses for more information.

9. Rent and Depreciation on Equipment and Machinery

If you lease equipment or machinery for your business you can fully deduct these costs. This can be anything from printers and copiers, to vans and trucks. You can also claim depreciation on equipment and machinery. However, these costs must be deducted over several years with a Section 179 deduction.

10. Office Supplies

Paper, boxes, pens, staples — they may be small, but they all cost money (which you can deduct from your taxes).

11. Office Furniture

Office furniture is also considered a type of office supplies, and can, therefore, be deducted just as you would deduct printer paper or cleaning products.

12. Software Subscription

If you’ve bought or downloaded software for your business, this can be deducted. These types of expenses can be claimed under “Other Common Business Expenses>Other Miscellaneous Expenses” on your Schedule C tax form.

13. Advertising and Marketing

As long as you can prove they’re related to your business, you can claim back any money spent on ordinary advertising and marketing purchases. This includes things like billboards, business cards, Yellow Pages ads, as well as hiring a freelancer to design a business logo or sending thank you cards to clients.

14. Business Entertainment

Entertaining clients with meals and events? This, too, can be deducted if necessary to your business.

Note that most meal costs are only deductible up to 50% (this was raised to 100% for 2022). But certain types of meals, such as a meal provided at an office party, are 100% deductible. Be sure to save your receipts and note the business purpose of the meal in order to maximize this deduction.

15. Travel Expenses

If you’re frequently on the go, you should definitely look into deducting your travel expenses. For a business expense to qualify as travel, it must be away from the city or area in which you conduct business. You must also be away from your tax home for longer than a full workday. Types of deductible travel expenses include airfare, tolls, taxis and lodging.

16. Interest

If you have a small-business loan, you’ll make interest payments on what you’re borrowing from the lender. Those interest payments are usually fully tax deductible as long as the loan is used to cover business expenses.

To claim this deduction, the business owner must be legally liable for the debt, and the business owner and the lender must have a “debtor/creditor” relationship. In other words, the loan must be through a traditional lender, and not a friend or family member.

17. Bad Debt

If you’ve ever lent money to an employee or vendor without receiving it back, you can claim that back as ‘bad debt.’ You just need to be able to prove that it was business debt, rather than personal debt.

The IRS defines bad debt as “a loss from the worthlessness of a debt that was either created or acquired in a trade or business or closely related to your trade or business when it became partly to totally worthless.” The following are examples of business bad debts (if previously included in income):

* Loans to clients, suppliers, distributors and employees.

* Credit sales to customers.

* Business loan guarantees.

18. Taxes

As strange as it sounds, the taxes you incur from just running your business are deductible. These taxes might be federal, state and local income, real estate or sales taxes. Your employer taxes, such as the employer share of FICA, FUTA and state unemployment taxes, are also fully deductible.

19. Employee Salaries

In general, your employee wages are fully deductible. This includes bonuses and commissions. However, this deduction does not apply to sole proprietors, partners and LLC members, because these individuals are not considered employees.

20. Employee Benefits Programs

You can also deduct certain employee benefit programs, like education assistance, dependent care assistance, life insurance adoption assistance or qualified retirement plan accounts. For self-employed individuals, contributions to their own retirement plans are personal deductions claimed on Form 1040.

21. Employee Gifts

Employee gifts are 100% deductible up to $25 per year, per employee, according to IRS Publication 463.

22. Contracted Labor

Do you use independent contractors or freelancers as a part of your labor force? The cost of hiring contracted labor is fully tax deductible. Note that you must issue form MISC-1099 to any contract worker receiving $600 or more from you in a given tax year. If the employee is being paid via credit card or PayPal, the payment processor must issue the worker form 1099-K.

23. Legal and professional fees

If you ever need to hire a legal or accounting professional for your business, you can deduct 100% of their fees.

NOTE: How to Claim Small-Business Tax Deductions

To claim small-business tax deductions as a sole proprietorship, you must fill out a Schedule C tax form. The Schedule C form is used to determine the taxable profit in your business during the tax year. You then report this profit on your personal 1040 form and calculate the taxes due from there.

FOR EMPLYEES HERE ARE 2 LEGAL WAYS

1. Have You Ever Considered How Can You Pay Less Income Tax on W2 Income?

There’s not too much you can do to pay less income taxes on W-2 (day job) income. Itemize your deductions, donate to charity, and relocate to one of the nine no income tax states are the main strategies. Hence, the best way to pay fewer taxes is to earn more investment income or start a business.

2. Have You Ever Considered How Much Tax You Need To Pay Based On a W2 Tax Bracket?

If you are in the 10-12% TAX BRACKET you pay zero percent tax on long term capital gains and qualified dividends up to about $46,000. There’s not too much you can do to pay less income taxes on W-2 (day job) income. Itemize your deductions, donate to charity, and relocate to one of the nine no income tax states are the main strategies.

CONCLUSION

Contact, join us and we’ll help you FREE to overcome the brutal truths about taxes.

We’ll help you with a FREE, Proven and Easy a Step-by-Step Formula and Process to to overcome the brutal truths about life, business and taxes and get you the real financial results you want. Can’t wait to hear what you accomplish this year!

Live Long and Prosperously,

Reitenbach-Kissinger Institute
Sydney and Michael
Text: 650-515-7545
Email: mjkkissinger@yahoo.com

Review:

1. MKS Master Key Coaching: mksmasterkeycoaching.com

2. 15 Books That Made Us Wealthy: Listen for Your Financial Success: https://lnkd.in/gPVxcf3J

By Michael Kissinger

Offers Results Only Coaching: Exceptional Profit Results-Proven Strategies and Universal Law Skills in Management, Marketing, Operations, Finance Every Business Owner Wants-Needs to Achieve Their Essential Transformation

Public profile & URL: http://www.linkedin.com/in/michael-kissinger-a66b214

Apply the Top Money Secrets of the Wealthy? Review Our Insiders Tips for Money, Growth, Success

Discover Some of the Secrets of the Wealthy and How You can Adopt their Strategies to Improve Your Own Financial Life. Master the Game of Wealth Today!

Have you ever wondered how the wealthy get knowledge to manage their money? What sets them apart from everyone else?

While some might attribute their success to luck or an inheritance, the truth is that many wealthy individuals follow specific financial practices and strategies that help them grow and protect their wealth.

It’s a common misconception that wealthy people don’t need to worry about their money. In reality, managing significant wealth often requires more vigilance and strategic planning than most people realize.

If it seems like the rich know something about money that the rest of us don’t, it’s probably because they do. There must be some reason the richest 1% of people now hold more than 30% of the world’s wealth, according to the Federal Reserve.

Maybe the rich have certain secrets to accumulating wealth — but that doesn’t mean what they know has to remain a mystery. Learn about strategies that you can use so you can build your own wealth, too.

Wealthy individuals face unique financial challenges, such as preserving their wealth across generations, navigating complex tax regulations, and protecting their assets from market volatility and economic downturns.

When it comes to your financial literacy strategies, don’t be afraid to go against the grain.

Warren Buffet amassed his wealth by investing in companies that he saw potential in — even if they had been overlooked by others.

Warren Buffet said, “I will tell you the secret of getting rich on Wall Street. Close the doors,” he said in the book “Buffett: The Making of an American Capitalist.” “You try to be greedy when others are fearful, and you try to be very fearful when others are greedy.”

Let’s explore some of the secrets of the wealthy and how you can adopt these practices in your own life.

This Information Reveals the Missing Link between Wanting Financial Success and Achieving It!

Have you ever wondered why some people seem to get rich easily, while others are destined for a life of financial struggle?

Is the difference found in their education, intelligence, skills, timing, work habits, contacts, luck, or their choice of jobs, businesses, or …

How a simple childhood incentive from ignited our love for reading and shaped our path to success! 

Books That Made Us Wealthy: A Must-Reads for Your Financial Success: https://www.youtube.com/watch?v=LLqDl0DQXug

Today we’ll share the top books that have profoundly impacted our life and can help you build wealth and achieve financial independence. 

From “Rich Dad Poor Dad” to “The Psychology of Money,” these books offer invaluable insights and practical wisdom on wealth creation. 

You’ll get lots of tips to help you live a successful and fulfilling life!  Have you read any of these books?

Share your biggest takeaway from our recommended books! – What’s your favorite book that changed your perspective on wealth?

 Robert Kiyosaki Rich Dad Poor Dad | Full Audiobook | Financial Literacy For Kids

April of 2022 marks a 25-year milestone for the personal finance classic Rich Dad Poor Dad that still ranks as the #1 Personal Finance book of all time.

  1. And although 25 years have passed since Rich Dad Poor Dad was first published, readers will find that very little in the book itself has changed — and for good reason. While so much in our world is changing a high speed, the lessons about money and the principles of Rich Dad Poor Dad haven’t changed. Today, as money continues to play a key role in our daily lives, the messages in Robert Kiyosaki’s international bestseller are more timely and more important than ever.
  2. Milestones 
  3. While there is a milestone  to commemorate — and a new section in the book on Why Milestones Are Important — preserving the integrity of the original content is testimony to the fact that this book has truly stood the test of time. The sidebars throughout the book (that were updated for the 20-year anniversary edition) have been updated again, but the core principles that parents and grandparents — those who embraced Robert’s story and messages 25 years ago — are sharing them with new generations who have found that its timeless wisdom and no-nonsense lessons can be applied to anyone’s life and their vision for a future that includes taking control of their finances.
  4. People of all cultures and countries celebrate milestones. We use them to measure time, mark progress, reflect on the lessons we’ve learned, and celebrate accomplishments… and they give meaning to our life’s journey. They are a way that we integrate past, present, and future… looking back at where we started, where we are today… and the promise of all that the future can hold.
  5. In the quarter century that has passed since Rich Dad Poor Dad was first published — 25 years since April 8, 1997 — so many things in our world have changed. But the one thing that has not changed is the pressing need for and the power of financial education. Money is still a mainstay of our lives, like it or not, and technology has brought both speed and innovations to the world of money. In an ever-changing world, we can all still get smarter when it comes to money… and learn as much as we can to secure our future.
  6. Still the One… #1 Today Rich Dad Poor Dad consistently ranks among bestsellers around the world in the categories of Personal Finance, Parenting, and Investing, has been translated into 38 languages, and has sold more than 40 million copies worldwide.
  7. Rich Dad Poor Dad is Robert’s story of growing up with two dads — his real father and the father of his best friend, his rich dad — and the ways in which both men shaped his thoughts about money and investing. The book explodes the myth that you need to earn a high income to be rich and explains the difference between working for money and having your money work for you.
  8. In many ways, the messages of Rich Dad Poor Dad, messages that were challenged and criticized 25 ago, are more meaningful, relevant, and important today than ever.
  9. Rich Dad Poor Dad.. • Explodes the myth that you need to earn a high income to become rich • Challenges the belief that your house is an asset • Shows parents why they can’t rely on the school system to teach their kids about money • Defines once and for all an asset and a liability • Teaches you what to teach your kids about money for their future financial success

 The Richest Man in Babylon Full Audiobook “Advice is one thing that is freely given away, but watch that you only take what is worth having.”

“The Richest Man in Babylon” by George S. Clason is a classic personal finance book that was first published in 1926. It is a collection of parables set in ancient Babylon, which teach simple yet powerful financial lessons that are still relevant today.

The book’s first section discusses the importance of saving money and the power of compound interest. It emphasizes the idea of “paying yourself first” by setting aside a portion of your monthly income before spending it on other things. It also highlights the importance of seeking advice from those who are knowledgeable and experienced in financial matters.

The second section of the book focuses on building wealth through investing. It discusses various investment opportunities, such as real estate and business ownership, and emphasizes the importance of diversifying one’s investments. It also stresses the importance of taking calculated risks and being patient to achieve long-term financial success.

Overall, “The Richest Man in Babylon” is a timeless and accessible guide to personal finance. Its lessons are conveyed through engaging and memorable stories, making it an enjoyable read for anyone interested in improving their financial situation. Some keywords in the book include saving, compound interest, advice, investing, diversification, risks, and patience.

Secrets of the Millionaires Mind

https://www.youtube.com/watch?v=hl8Rha1k7Kw&t=157s

Secrets of the Millionaire Mind reveals the missing link between wanting success and achieving it!

Have you ever wondered why some people seem to get rich easily while others are destined for lives of financial struggle? Is the difference found in their education, intelligence, skills, timing, work habits, contacts, luck, or choice of jobs, businesses, or investments?

The shocking answer is: none of the above!

In his groundbreaking Secrets of the Millionaire Mind, T. Harv Eker states, “Give me five minutes, and I can predict your financial future for the rest of your life!” Eker does this by identifying your “money and success blueprint”.

We all have personal money blueprints ingrained in our subconscious minds, and it is these blueprints, more than anything, that will determine our financial lives. You can know everything about marketing, sales, negotiations, stocks, real estate, and the world of finance, but if your money blueprint is not set for a high level of success, you will never have a lot of money – and if somehow you do, you will most likely lose it! The good news is that now you can actually reset your money blueprint to create natural and automatic success.

Secrets of the Millionaire Mind is two books in one. Part I explains how your money blueprint works. Through Eker’s rare combination of street smarts, humor, and heart, you will learn how your childhood influences have shaped your financial destiny. You will also learn how to identify your own money blueprint and “revise” it not only to create success but, more important, to keep and continually grow it.

In part II you will be introduced to 17 “Wealth Files”, which describe exactly how rich people think and act differently from most poor and middle-class people. Each Wealth File includes action steps for you to practice in the real world in order to dramatically increase your income and accumulate wealth.

If you are not doing as well financially as you would like, you will have to change your money blueprint. Unfortunately your current money blueprint will tend to stay with you for the rest of your life unless you identify and revise it, and that’s exactly what you will do with the help of this extraordinary book. According to T. Harv Eker, it’s simple. If you think like rich people think and do what rich people do, chances are you’ll get rich, too!

The Science of Getting Rich Audiobook by Wallace D. Wattles

The step-by-step scientific approach to attracting financial and spiritual wealth

This is the 100-year-old book that inspired Rhonda Byrne’s bestselling The Secret

Explains the precise series of practical steps that, if followed, guarantee prosperity

Reveals the secrets that underlie today’s success and prosperity movements

In his bestselling book, Wallace D. Wattles explains that “universal mind” underlies and permeates all creation. Through the process of visualization we can engage the law of attraction—impressing our thoughts upon “formless substance” and bringing the desired object or circumstances into material form. The author emphasizes the critical importance of attitude: only by aligning ourselves with the positive forces of natural law can we gain unlimited access to the creative mind and its abundant rewards.

The Science of Getting Rich holds the secret to how economic and emotional security can be achieved in a practical, imaginative, and noncompetitive way, while maintaining a loving and harmonious relationship with all of life. By living in accordance with the positive principles outlined in this book, we can find our rightful place in the cosmic scheme and create for ourselves an environment in which to grow in wealth, wisdom, and happiness.

Rhonda Byrne, in her book and DVD, The Secret, tells how a 100-year-old book entered her life and changed it forever. Here is that book. Written in 1910, The Science of Getting Rich inspired Byrne to create her bestselling DVD, and subsequently, to write her book. She has said that it “gave me a glimpse of The Secret. It was like a flame inside of my heart. And with every day since, it’s just become a raging fire of wanting to share all of this with the world.”

“There is a science of getting rich. It is an exact science, like algebra or arithmetic. There are certain laws which govern the process of acquiring riches. Once a person learns and obeys these laws, he will get rich with mathematical certainty.”—Wallace D. Wattles, The Science of Getting Rich

 Think And Grow Rich! (1937 – 1st Edition) by Napoleon Hill 

The most famous of all teachers of success spent a fortune and the better part of a lifetime of effort to produce the law of success philosophy that forms the basis of his books and that is so powerfully summarized and explained for the general public in this book.

In Think and Grow Rich, Hill draws on stories of Andrew Carnegie, Thomas Edison, Henry Ford, and other millionaires of his generation to illustrate his principles. This book will teach you the secrets that could bring you a fortune. It will show you not only what to do, but how to do it. Once you learn and apply the simple, basic techniques revealed here, you will have mastered the secret of true and lasting success.

Money and material things are essential for freedom of body and mind, but there are some who will feel that the greatest of all riches can be evaluated only in terms of lasting friendships, loving family relationships, an understanding between business associates, and introspective harmony which brings one true peace of mind! All who listen to, understand, and apply this philosophy will be better prepared to attract and enjoy these spiritual values.

Be prepared! When you expose yourself to the influence of this philosophy, you may experience a changed life which can help you negotiate your way through life with harmony and understanding and prepare you for the accumulation of abundant material riches.

The Master Key System by Charles Haanel https://www.youtube.com/watch?v=gltCxV8cGUs&t=345s

This book is a comprehensive guide to achieving personal and financial success through the use of creative visualization, positive thinking, and understanding the universal laws that govern prosperity and self-improvement.

The Master Key System is a personal development book by Charles F. Haanel (1866–1949). It was originally released as a 24-week correspondence course in 1912, and then published in book form in 1916.

Each of the 24 chapters contains an introduction, an exercise, and a concludes with questions and answers. The book is a set of lessons that cover a wide range of topics, including the power of thought, the laws of success, and the nature of the universe.

At the core of the book is the idea that the universe is governed by certain laws, and that we can harness these laws to achieve success and abundance in our lives. Haanel argues that by understanding and applying these principles, we can tap into an unlimited source of power and create the lives we desire.

Throughout the book, Haanel explores a range of topics, including the power of concentration, the role of the subconscious mind, and the importance of goal setting.

He also offers practical exercises and techniques that readers can use to apply these principles in their own lives.

In 1919, Napoleon Hill wrote a letter to Charles F. Haanel about the influence that The Master Key System had on him. In the letter Hill wrote “I believe in giving credit where it is due, therefore I believe I ought to inform you that my present success and the success which has followed my work as President of the Napoleon Hill Institute is due largely to the principles laid down in The Master-Key System.”

 Your Money Or Your Life AUDIOBOOK FULL by Vicki Robin and Joe Dominguez 

The best book on money. Period.” (Grant Sabatier, founder of Millennial Money, on CNBC Make It)

“This is a wonderful book. It can really change your life.” (Oprah)

For more than 25 years, Your Money or Your Life has been considered the go-to book for taking back your life by changing your relationship with money. Hundreds of thousands of people have followed this nine-step program, learning to live more deliberately and meaningfully with Vicki Robin’s guidance.

This fully revised and updated edition with a foreword by “the Frugal Guru” (The New Yorker) Mr. Money Mustache is the ultimate makeover of this best-selling classic, ensuring that its time-tested wisdom applies to people of all ages and covers modern topics like investing in index funds, managing revenue streams like side hustles and freelancing, tracking your finances online, and having difficult conversations about money.

Whether you’re just beginning your financial life or heading towards retirement, this book will tell you how to:

  • Get out of debt and develop savings
  • Save money through mindfulness and good habits, rather than strict budgeting
  • Declutter your life and live well for less
  • Invest your savings and begin creating wealth
  • Save the planet while saving money
  • And so much more!

“The seminal guide to the new morality of personal money management.” (The Los Angeles Times)

 The Seven Habits Of Highly Effective People [Audiobook] by Stephen Covey 

The Number One Most Influential Business Book of the 20th Century

One of the most inspiring and impactful books ever written, The Seven Habits of Highly Effective People has captivated people for nearly three decades. It has transformed the lives of presidents and CEOs, educators, and parents – millions of people of all ages and occupations. Now, this 30th anniversary edition of the timeless classic commemorates the wisdom of the seven habits with modern additions from Sean Covey.

The seven habits have become famous and are integrated into everyday thinking by millions and millions of people. Why? Because they work!

With Sean Covey’s added takeaways on how the habits can be used in our modern age, the wisdom of the seven habits will be refreshed for a new generation of leaders.

They include:

  • Habit one: Be proactive
  • Habit two: Begin with the end in mind
  • Habit three: Put first things first
  • Habit four: Think win/win
  • Habit five: Seek first to understand, then to be understood
  • Habit six: Synergize
  • Habit seven: Sharpen the saw

This beloved classic presents a principle-centered approach for solving both personal and professional problems. With penetrating insights and practical anecdotes, Stephen R. Covey reveals a step-by-step pathway for living with fairness, integrity, honesty, and human dignity – principles that give us the security to adapt to change and the wisdom and power to take advantage of the opportunities that change creates.

 How To Win Friends And Influence People Audiobook

You can go after the job you want…and get it! You can take the job you have…and improve it! You can take any situation you’re in…and make it work for you!

Simon & Schuster Audio is proud to present one of the best-selling books of all time, Dale Carnegie’s perennial classic How to Win Friends and Influence People, presented here in its entirety.

For over 60 years the rock-solid, time-tested advice in this audiobook has carried thousands of now-famous people up the ladder of success in their business and personal lives.

With this truly phenomenal audiobook, learn:

  • The six ways to make people like you
  • The twelve ways to win people to your way of thinking
  • The nine ways to change people without arousing resentment. And much, much more! There is room at the top, when you know…How to Win Friends and Influence People.

SPIN Selling by Neil Rackham · Audiobook preview 

Written by Neil Rackham, former president and founder of Huthwaite corporation, SPIN Selling is a must-listen for anyone involved in selling or managing a sales force.

Unquestionably the best-documented account of sales success ever collected and the result of the Huthwaite corporation’s massive 12-year, one-million-dollar research into effective sales performance, this groundbreaking resource details the revolutionary SPIN (Situation, Problem, Implication, Need-payoff) strategy.

In SPIN Selling, Rackham delivers the first book to specifically examine selling high-value product and services. By following the simple, practical, and easy-to-apply techniques of SPIN, listeners will be able to dramatically increase their sales volume from major accounts. Rackham answers key questions such as “What makes success in major sales?” and “Why do techniques like closing work in small sales but fail in larger ones?”

You will learn why traditional sales methods that were developed for small consumer sales just won’t work for large sales and why conventional selling methods are doomed to fail in major sales.

Packed with real-world examples and informative case studies – and backed by hard research data – SPIN Selling is the million-dollar key to understanding and producing record-breaking high-end sales performance.

The Psychology of Money: book by Morgan Housel https://www.youtube.com/watch?v=DLGG_oTgiPE

Doing well with money isn’t necessarily about what you know. It’s about how you behave. And behavior is hard to teach, even to really smart people.

Money – investing, personal finance, and business decisions – is typically taught as a math-based field, where data and formulas tell us exactly what to do. But in the real world people don’t make financial decisions on a spreadsheet. They make them at the dinner table, or in a meeting room, where personal history, your own unique view of the world, ego, pride, marketing, and odd incentives are scrambled together.

In The Psychology of Money, award-winning author Morgan Housel shares 19 short stories exploring the strange ways people think about money and teaches you how to make better sense of one of life’s most important topics.

 48 Laws of Power audiobook by Robert Greene 2022 Upload 🎧 Full Audiobook

Amoral, cunning, ruthless, and instructive, this piercing work distills 3,000 years of the history of power into 48 well-explicated laws. This bold volume outlines the laws of power in their unvarnished essence, synthesizing the philosophies of Machiavelli, Sun Tzu, Carl von Clausewitz, and other infamous strategists. The 48 Laws of Power will fascinate any listener interested in gaining, observing, or defending against ultimate control.

Awaken the Giant Within by Anthony Robbins:  Full Book Motivational Chapter Summaries of Awaken the Giant Within by Anthony Robbins

“I know that no matter where you are in your life, you want more! No matter how well you’re already doing or how challenged you now may be, deep inside you there lies a belief that your experience of life can and will be much greater than it already is. You are destined for your own unique form of greatness.”

Anthony Robbins has already unlocked the personal power inside millions of people worldwide. Now, in this revolutionary new audio production based on his enormously popular Date with Destiny seminars, Robbins unleashes the sleeping giant that lies within all of us, teaching us to harness our untapped abilities, talents and skills.

The ultimate program for improving the quality of every aspect of your life (personal or business, physical or emotional) Awaken the Giant Within gives you the tools you need to immediately become the master of your own fate.

Getting Things Done by David Allen: getting things done david allen full audiobook

David Allen reads an all-new edition of his popular self-help classic for managing work-life balance in the 21st century – now updated for the new challenges facing individuals and organizations in today’s rapidly changing world.

Since it was first published more than 15 years ago, David Allen’s Getting Things Done has become one of the most influential business books of its era and the ultimate book on personal organization. “GTD” is now shorthand for an entire way of approaching professional and personal tasks and has spawned an entire culture of websites, organizational tools, seminars, and offshoots.

Allen has rewritten the book from start to finish, tweaking his classic text with important perspectives on the new workplace and adding material that will make the book fresh and relevant for years to come. This new edition of Getting Things Done will be welcomed not only by its hundreds of thousands of existing fans but also by a whole new generation eager to adopt its proven principles. 

THE LEAN STARTUP: https://www.youtube.com/watch?v=Suw_tXwCwUM&t=57s

Most startups fail. But many of those failures are preventable. The Lean Startup is a new approach being adopted across the globe, changing the way companies are built and new products are launched.

Eric Ries defines a startup as an organization dedicated to creating something new under conditions of extreme uncertainty. This is just as true for one person in a garage or a group of seasoned professionals in a Fortune 500 boardroom. What they have in common is a mission to penetrate that fog of uncertainty to discover a successful path to a sustainable business.

The Lean Startup approach fosters companies that are both more capital efficient and that leverage human creativity more effectively.

Inspired by lessons from lean manufacturing, it relies on “validated learning”, rapid scientific experimentation, as well as a number of counter-intuitive practices that shorten product-development cycles, measure actual progress without resorting to vanity metrics, and learn what customers really want.

It enables a company to shift directions with agility, altering plans inch by inch, minute by minute.

Rather than wasting time creating elaborate business plans, The Lean Startup offers entrepreneurs – in companies of all sizes – a way to test their vision continuously, to adapt and adjust before it’s too late. Ries provides a scientific approach to creating and managing successful startups in a age when companies need to innovate more than ever.

 “The Innovator’s Dilemma’ Audiobook: Disruptive Wisdom”

His work is cited by the world’s best-known thought leaders, from Steve Jobs to Malcolm Gladwell. In this classic best seller – one of the most influential business books of all time – innovation expert Clayton Christensen shows how even the most outstanding companies can do everything right – yet still lose market leadership.

Christensen explains why most companies miss out on new waves of innovation. No matter the industry, he says, a successful company with established products will get pushed aside unless managers know how and when to abandon traditional business practices.

Offering both successes and failures from leading companies as a guide, The Innovator’s Dilemma gives you a set of rules for capitalizing on the phenomenon of disruptive innovation.

THE 7 DAY MENTAL DIET | EMMET FOX: How to Change Your Life in a Week https://www.youtube.com/watch?v=YukQUvEwAEA&t=147s

Emmet Fox’s transformative “The Seven Day Mental Diet” (1935) immerses readers in a week-long journey of self-improvement through the power of positive thinking and affirmations.

Fox, a prominent New Thought minister, proposes that our thoughts possess immense power, shaping our realities.

By deliberately cultivating positive thoughts and replacing negative ones, we unlock the potential for profound personal transformation. The book unfolds with daily exercises and affirmations, guiding readers through a step-by-step process.

Each day tackles a specific theme, delving into areas like fear, worry, and doubt. Fox encourages readers to actively challenge these negative thought patterns and replace them with empowering affirmations.

By repeating phrases like “I am fearless” or “I am filled with peace,” individuals gradually reprogram their subconscious minds for positive outcomes. Beyond mere affirmations,

Fox emphasizes the importance of prayer and gratitude. Prayer, in his view, transcends simple supplication; it becomes a potent tool for aligning oneself with the divine source of strength and abundance.

Cultivating gratitude, appreciating life’s blessings, further reinforces the positive mental shift. While rooted in spiritual principles, “The Seven Day Mental Diet” offers practical tools applicable to diverse audiences.

The emphasis on positive thinking, mindfulness, and reframing negative thoughts resonates with contemporary self-help principles. Though its spiritual framework may not resonate with everyone, the core message and practical exercises offer valuable insights for managing fear, fostering inner peace, and ultimately, transforming your life.

Money Bible: The Spiritual Secrets of Attracting Prosperity and Abundance

Throughout the bible, Investing and creating wealth are mentioned literally hundreds of times. You’ll find incredible wisdom about how to grow your money wisely while keeping your relationship with God in good standing. You’ll also find wisdom on how to avoid unwise investment tactics that aren’t sustainable and will ruin you spiritually.

The Bible encourages Christians to be wise and shrewd with the management of their money along with a proper trust in God.

Money is the most frequently mentioned subject in the bible. According to some counts, it’s mentioned over 800 times! And many of those verses talk about investing in one way or another. In fact, the bible lays out a great number of specifics about how to invest your money wisely according to godly wisdom.

The Spiritual Secrets of Attracting Prosperity and Abundance is a compilation of 10 books that were originally published between 1903 and 1949.

Within the pages of these books the reader will find many of the very secrets that those who have accumulated wealth have themselves employed in their own lives. If you are looking for the secrets of attracting prosperity, these books will reveal to the observant reader, just that.

The principles set forth in these books for the Demonstration of Prosperity, are so fundamental and exact that if earnestly and intelligently put into practice, FINANCIAL SUCCESS, in a big way, is absolutely certain.

See: Bible Stories with Deeper Meanings

See: The Power of I AM: by David Allen

See: The Little Money Bible | The Ten Laws of Abundance

See: BIBLICAL FINANCE VIDEOS (God Wants You To Be Rich!) View full playlist

See: FINANCE BOOKS REVIEW/SUMMARY View full playlist

See: PRACTICAL FINANCE VIDEOS View full playlist

See: MOTIVATIONAL & AFFIRMATIONS VIDEOS View full playlist

The Hero’s Journey of Self Discovery: Joseph Campbell https://www.youtube.com/watch?v=JM10AvJ3bsM&list=PLR62HwYfMq9rYwI6AV9zW1C5m0i774lB0&index=3

Joseph Campbell, arguably the greatest mythologist of the twentieth century, was certainly one of our greatest storytellers.

This masterfully crafted book interweaves conversations between Campbell and some of the people he inspired, including poet Robert Bly, anthropologist Angeles Arrien, filmmaker David Kennard, Doors drummer John Densmore, psychiatric pioneer Stanislov Grof, Nobel laureate Roger Guillemen, and others.

Campbell reflects on subjects ranging from the origins and functions of myth, the role of the artist, and the need for ritual to the ordeals of love and romance. With poetry and humor, Campbell recounts his own quest and conveys the excitement of his lifelong exploration of our mythic traditions, what he called “the one great story of mankind.”

Speak to a MKS Master Key Money Coach Now

Connect with a MKS Master Key Money Coach to uncover your personal financial goals, and how you can achieve them.

You’ll discovered how understanding and applying the Laws of Wealth can lead you to unprecedented success. Contact and Join our MKS Master Key Wealth Creation and Building System community of like-minded individuals who are on their path to greatness!

Live Long and Prosperously,

Reitenbach-Kissinger Institute

Sydney Reitenbach and Michael Kissinger

Text: 650-515-7545

Email: mjkkissinger@yahoo.com

By Michael Kissinger

Independent Contractor-Coach | Specializing Extraordinary Outcomes | Delivering 30+ Years of High Quality Experience, Excellent ROI and Success in Life or Business Marketing-Sales-Management or Financial Transformation

PS. Review: The Power of Reading: 10 Reasons Why Reading Books Will CHANGE Your Financial Life: https://www.youtube.com/watch?v=kA3c53dq3e4

MKS Master Key Coaching: mksmasterkeycoaching.com

Achieve ALL You Want in Life or Business by Law Today!

These Laws allow for infinite possibilities, infinite abundance, and infinite joy. They know no order of difficulty, and they can change your life or business in every way if you let them.

At this very moment, your life is being guided and influenced by universal forces you may not even be aware of – and the most powerful of all is the Law of Attraction. Just like the law of gravity, it is always in effect, impacting your life in more ways than you can imagine. 

The good news is, once you are aware of these universal laws, you can learn how to use them to change your life for the better! Because here’s the thing: You are in a constant state of creation. 

Every moment of every day, you are actively creating your reality. With every thought, either consciously or subconsciously, you are creating your future. And when you know how to harness the power of the Laws in your life, you can direct your thoughts and actions in a way that allows you to effortlessly attract what you want. 

You may be thinking right now, “Wait a minute…The Law of Attraction is real?” 

Many people, when they first hear about these universal laws, dismiss then as “woo.” So if you have doubts about whether they really work, you’re certainly not alone!

We often get questions from people who wonder what these Laws are and are skeptical about the claims they’ve heard. And we’re going to tell you what we always tell them: 

Expect miracles.

When you understand how the Laws works, you can use them to change your life for the better and create an amazing future. 

This guide will walk you through the process of using these powerful universal laws and show you how to manifest what you want in every area of your life.

We’ll teach you about the Laws (that’s right, there are more than one) and the 3 proven steps to activate it in your life. You’ll also learn how to use them for different purposes, such as attracting more wealth or love into your life. 

Buckle up, because it’s going to be an amazing ride!

Steps to Get What You Want!

Step 1: Ask the Universe for What You Want 

Every day, you send out requests to the universe—as well as to your subconscious mind—in the form of thoughts. Everything you think about, read about, talk about, and give your attention to is telling the universe what you want to attract more of into your life. 

That’s why it’s so important for you to become more intentional about the thoughts you offer to the universe. The clearer and more focused you are about what you really want, the easier it will be for you to attract those things into your life. 

For example, let’s say you want to change careers, move to another state, win a major professional award, have your own TV show, or recover from a major illness. 

  • How would you feel once you’ve “arrived” at your goal?
  • What would you be doing throughout your day?
  • Who would you be spending time with?

The more you focus on what you do want (instead of what you don’t want), the faster you will manifest your dreams and goals.

Step 2: Believe You’ll Get What You Want

It’s not enough just to focus on what you want – you have to believe that it’s possible! 

If you think about what you want but in your heart you have doubts you will ever achieve it, you will end up sending mixed signals to the universe, which will respond to you with mixed results. 

The problem is, most people have limiting beliefs that keep them from allowing abundance and happiness into their lives. 

If this sounds like you, I encourage you to start doing mindset work that will help you release your limiting beliefs and replace them with the understanding that you are deserving, worthy, lovable, desirable, and capable to achieve any goal you can imagine.

Step 3: Receive What You Want

Now, to receive what you desire, you must become a “vibrational match” for what you want to attract into your life. The easiest way to do that is to create positive emotions of love, joy, appreciation, and gratitude throughout your day. 

You can also practice feeling the emotions you would be experiencing if you already had what you wanted. This will activate your subconscious mind to make those imagined feelings a reality.  

Finally, don’t forget to take consistent action toward your goals. Intentions are very powerful, but you must take action to get results! 

How to Use the Laws for Specific Dreams 

Now let’s take a look at some examples of how to use the law of attraction to manifest specific outcomes in your life. 

Attract Money & Financial Success

If you would like to grow your wealth, spend more time thinking about money! 

Read books and watch videos on how to increase your prosperity and make more money. Envision the exact amount you would like and by when. Simply believe it will happen, and it very much will. 

Above all, remember to be thankful for everything that you already have and appreciate the abundance of all that’s good in your life. This will help you create a vibrational match for the financial abundance that you want in your future.

Love & Relationship Attraction

People who are able to harness the power of the Law of Attraction frequently use it to attract more love and romance into their lives. If you want to attract love into your life, be the love you want to attract! 

Be loving and generous with others and yourself. Appreciate the love you do have in your life and look for ways to express it. The more you create a vibration of love, the stronger the signal you will send to the Universe and gain more power to attract love into your life. 

Improve Your Well-Being

You can also use this universal law to improve your mental and physical health. 

Learning how to use the law of attraction effectively requires you to become a more positive person who focuses on feeling soul-enriching emotions such as gratitude, connection, and abundance. 

This allows you to cultivate a healthier mindset, which in turn will inspire you to feel more confident and be inspired to take better care of your physical health as well. 

Manifest Success Into Your Life

If you’re wondering whether it really is possible to use this universal law to take control of your destiny and attract more success into your life, I’m living proof! 

And I owe it all to my mentor, W. Clement Stone. When I was a teacher in Chicago making $8,000 a year, he told me, “I want you to set a goal that’s so big that if you achieve it, you’ll know it’s because of the secret I am teaching you.”

I decided my goal would be to make $100,000 that year. I created an image of a $100,000 dollar bill and hung it on the ceiling above my bed. Every morning I’d see the image. I’d visualize what it would be like to have $100,000. Everything I did was to achieve that goal. At the end of the year, I had made $97,000!  

But that’s just one story… watch the video below to see other incredible stories of people who have used this universal law to achieve incredible success in their lives. 

Yes, Achieve ALL You Want in Life or Business by Law?


Every moment of every day, you are actively creating your reality. With every thought, either consciously or subconsciously, you are creating your future. And when you know how to harness the power of the Law in your life, you can direct your thoughts and actions in a way that allows you to effortlessly get what you want.

Law governs everything around us and truly understanding of it has a huge potential of significant to change your life for the better.

These laws are not mere concepts; they are the tools you can use to shape the rest of your life. They help you navigate the complexities of life with wisdom, resilience, and purpose.

They have been embraced and supported by Albert Einstein, Isaac Newton, Carl Sagan, Ralph Waldo Emerson, Martin Seligman, Confucius, Deepak Chopra, Wayne Dyer, Hermes Trismegistus, Carl Jung, Napoleon Hill, Brian Tracy, Bob Proctor, Jack Canfield, and many other esteemed personalities and authors.

Ready to put the power of the universe to work in your life? 

  • Your thoughts determine your reality: 
  • If you want to change your life, you must start by changing your thoughts. When you cultivate an “attitude of gratitude” and train yourself to focus on what’s good in life, you will find your life filled with more positive people and experiences!
  • Dream big: 
  • If you want the Universe to deliver big results, you must have big dreams! Remember, the Universe always responds to the energy you send out. 
  • Use positive affirmations: 
  • The best way to keep your thoughts, actions, and energy focused on your highest goals is to use positive affirmations. When you affirm your goals as already being achieved, you activate your subconscious mind to make your vision a reality!
  • Clarify your goals: 
  • A clear vision leads to clear results. That’s why it’s so important to be direct on what you want – and to confirm that what you think you want really is what you want. Ambiguous desires get ambiguous results.  
  • Use a vision board: 
  • Vision boards are a powerful tool for clarifying your vision for your life and keeping your goals top of mind so you can effortlessly attract them into your life. 

If so, be sure to listen to the program below. on how to Activate the Law and harness the power of effortless success. 

This helpful information will give you detailed information on how to manifest what you want in every area of your life by mastering your thoughts and emotions so you can attract the life you truly want—as well as experience more joy, peace, and abundance in everything you do! 

The links below dive deep into the laws that govern ALL success and failure.

Take Action Today

Discover how understanding and applying the Laws can lead you to unprecedented success. Contact and Join our MKS Master Key System community of like-minded individuals who are on their path to greatness!

Live Long and Prosperously,

Reitenbach-Kissinger Institute
Sydney and Michael
Text: 650-515-7545
Email: mjkkissinger@yahoo.com

Review:

MKS Master Key Coaching: mksmasterkeycoaching.com

Michael Kissinger

Independent Contractor-Coach | Specializing Extraordinary Outcomes | Delivering 30+ Years of High Quality Experience, Excellent ROI and Success in Life or Business Marketing-Sales-Management or Financial Transformation

Law Quotes 

Throughout history, the greatest minds and spiritual teachers have understood the power our thoughts have over our lives. Here are quotes to inspire you to activate its potential in your own life. 

“The universe is change; our life is what our thoughts make it.” – Marcus Aurelius Antoninus

“To let life happen to you is irresponsible. To create your day is your divine right.” – Ramtha

“All that we are is the result of what we have thought.” – Buddha

“What the mind of man can conceive and believe, the mind of man can achieve.” – Napoleon Hill

Get Rich Fast with These 7 Spiritual Laws of Life: https://www.youtube.com/watch?v=WH6Gr6KLV1Y 

A Complete Guide to Using the Laws

  1. 𝟏𝟐 𝐒𝐩𝐢𝐫𝐢𝐭𝐮𝐚𝐥 & 𝐔𝐧𝐢𝐯𝐞𝐫𝐬𝐚𝐥 𝐋𝐚𝐰𝐬 𝐟𝐨𝐫 𝐂𝐡𝐨𝐬𝐞𝐧 𝐎𝐧𝐞𝐬 – 𝐓𝐡𝐞 𝐔𝐥𝐭𝐢𝐦𝐚𝐭𝐞 𝐆𝐮𝐢𝐝𝐞 𝐨𝐟 𝐋𝐢𝐟𝐞 𝐚𝐧𝐝 𝐇𝐨𝐰 𝐭𝐨 𝐀𝐩𝐩𝐥𝐲 𝐓𝐡𝐞𝐦: https://www.youtube.com/watch?v=n0ROg91YtE4&t=6527s

    2. The Power of LAW: https://lnkd.in/gqMsze4M

    3. Working The Law: https://lnkd.in/gVATp82s

    4. Law Of Thinking: https://lnkd.in/gE8ntfRx

    5. Law Of Compensation: https://lnkd.in/geSZKQvy

    6. Law Of Receiving: https://lnkd.in/geEQMcCk

    7. Law Of Forgiveness: https://lnkd.in/gYhfwKna

    8. Law Of Sacrifice: https://lnkd.in/gfZemVVx

    9. Law Of Non Resistance: https://lnkd.in/g4RJ5V4t

    10. Law Of Attraction: https://lnkd.in/gAQifSWK

    11. Ten Laws Of Abundance: https://lnkd.in/gcCbF538

    12. Practicing the 7 Spiritual Laws of Success: https://lnkd.in/gMRkt2dx

    13. Applying 7 Universal Principles: Mentalism, Correspondence, Vibration, Polarity, Rhythm, Cause and Effect, and Regeneration: https://lnkd.in/g7KyQn4g

    14. The 12 Universal Laws: https://lnkd.in/gqzmZpWq
  2. 15. The Universal Laws Of Success And Achievement: https://lnkd.in/g_gfa6Bm