Jack’s Workbook

Pushing Your Broom with Jack…8 Stages to Financial Independence

Jack's Workbook and Audio CDs

Jack's Workbook and Audio CDs

The workbook leads you through a series of explanations, exercises and programmed experiences that follow the main principles as outlined in the book, “Pushing Brooms with Jack”. It is written in a style that assumes you are acquainted with the book and its contents. It goes without saying that we heartily recommend you read the book first, since that experience will help you better understand the deeper concepts covered in the workbook

As you proceed through the workbook you will find a slightly different structure and timeline followed from that described in the book. This is to help all of those who may be starting this process at different times of life, who unlike our friend Pete, did not have the singular fortune to meet up with Jack at a very early age.

You will also find many concepts are expanded and more fully described than in the book. These are vital for the success of your personal action steps as well as fully engaging you in discussions about the key principles that are important to your financial independence. So, don’t be surprised when you are introduced to a number of new concepts that are only casually referred to in the book.

Each of the principles in the book are important steps for achieving financial independence—this workbook translates those principles into personal activities that will help you achieve that independence day as quickly as possible.

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What the workbook does:

  • It tracks you in each stage of your financial life and helps you establish the necessary control and direction towards your preferred lifestyle.
  • Leads you through a series of explanations, exercises and programmed experiences that follow the main principles as outlined in the book
  • Expands on and more fully describes many concepts introduced in the book
  • Fully engages you in discussions, exercises, and self-help templates covering the key principles that are important to your financial independence.

The course outline utilizes proven methods to help get you to your goal such as:

  • EASY TO READ DESCRIPTIONS about the key concepts
  • CHARTS, DIAGRAMS, AND SELF-HELP EXERCISES that walk you through the steps as needed
  • AUDIO CD DISCUSSIONS from the authors, explaining in more detail the most important steps
  • RIP TASKS AND ACTION STEPS that take you through the process step-by-step
  • PERFORMANCE EVALUATION AND FEEDBACK help to keep you on track

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The Eight Stages in Pushing YOUR Broom with Jack are…

Stage One:
Following in Jack’s Footsteps
This is the preparatory stage where we identify key definitions, take you through an initial, Current Financial Assessment, establish Future Financial Goals. We help you establish a process to Track Your Successes in the program and help you set up a Personal Accountability Program. Key to this step is your own Personal Commitment which you will make at this time.

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Stage Two:
Ethic of Work
In this stage we walk you through the concepts of making money work for you. We discuss the necessity of Building A Strong Work Ethic and how that applies to sound money management. We help you understand the savings process and establish a “Put and Keep” program for yourself. We share with you how one of the real secrets of financial success incorporates a “giving back” mentality.

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Stage Three:
Planning and Partnering
At this point, you are ready to create your “Plan to Spend”. In addition, for those living with spouses or significant others, we help walk you through the “Partners To-Do List” process. You receive guidance on establishing your Emergency Reserves and we discuss in detail the “Hierarchy of Risk” and help answer the questions of what, when, and how much insurance you should pay for. We identify for you the initial estate planning concepts that you should put in place. And, if you are in debt, we help you create a personal, customized debt elimination program.

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Stage Four:
How to Invest for a Lifetime
This section helps you with understanding, and applying, the foundation principles that builds all wealth. First, we explain in detail the concept of Dollar Cost Averaging and how to use this principle as an initial investment philosophy. We also explain the power behind deferring taxes where possible on your investments, and how it builds wealth faster. Next, we show you the power of compounding interest and show you the power of ownership when it comes to money. Then we outline the necessity of balancing your investment portfolio between tax-deferred and non-tax deferred investments, and why it is important to you in the long run. Finally, we show you the way to manage your financial reserves as your investments grow and your personal wealth builds.

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Stage Five:
Managing Your Home Like The Investment It IS
In this section we talk about the various methods of financing and their proper use. We show you how credit scores work and where they are used. We give you a step-by-step plan for improving your credit score. In this section we go into great detail on how the Home Equity Fund works and how to go about setting one up. In connection with the Home Equity Fund, we discuss how to set up a personal home payoff program, and how to manage it until you are ready to purchase your home outright.

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Stage Six:
How to Keep What You Have
In this section we show you how to protect your assets…and how to do it the smart way. First we discuss the general process behind asset protection. We discuss the purpose and relative value of the various types of insurance…when to buy it, and when not to buy it. We give you a Planning Hierarchy that outlines and lists by order of importance and time of life which areas of risk you should plan for. We give you a Basic Starter Plan template to help you get started depending upon your personal situation at this time. We also tell you about Advanced Planning, who it can help, and when it may be appropriate for you.

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Stage Seven:
Managing Life as You Approach Your Independence Day
Once you begin to apply these principles, there are mid-course corrections that need to be made in order to maintain the proper equilibrium and dynamics of your plan. This includes Cycling Your Home Equity…knowing how and when to capture growth in your home equity and transfer it to your Home Equity Fund. In addition, we show you how your retirement funds need to be managed based on your proximity to your Independence Day, taking into consideration your Risk Hierarchy as your life circumstances change with age. Finally, we help you understand the important process of Balancing your Qualified and Non Qualified Investments…why it’s important in your later years and how it can affect the control you have over your own money.

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Stage Eight:
How to Manage Your Legacy
In this final section we introduce you to the important concepts surrounding Your Financial Legacy. We help you identify the issues that you will need to think about as you prepare to distribute the wealth you have accumulated. We explain to you the Ultimate Arbitrage and how to leverage the wealth you have into a multi-generational asset. We describe to you how an Empowered Wealth System works and how, in partnership with a Family Bank, you can promote your family values for many succeeding generations.

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