Late Starter - Need Advice

[justaguy]

I've read the "Millionaire Fastlane " and have been lurking on this forum for awhile. I've finally made the decision that I am sick and tired of living paycheck to paycheck and scraping by. My situation is different from many on here though as I'm 40 years old (God I wish I had read this 20 years ago). I feel like I'm already behind the 8 ball and need to do something FAST! So here's my situation:

• Married with two kids
• Wife is teacher and I am an accountant. I work for a good company but I don't love the work I do. I have a Masters degree in accounting.
• We own our own house (30 year mortgage)
• We have approximately $400k worth of debt. This is a combination of our mortgage, a land loan, one car loan, and student loans. We have no credit card debt. Interest rate on land loan is extremely high (10%).
• Recently I have started working a side job for a finance company as an independent contractor doing bookkeeping. Pay is low though ($15 to $20 an hour). My plan was to get some experience and then start my own business.

Like I said, I am tired of scraping by. I want to give my family the rich life they deserve and money is a large part of that equation. I've dabbled with other business ideas (reselling on ebay, selling a new project) but I haven't come up with a business idea that seems plausible. So I guess I would say I am kind of stuck. Should I continue to pursue the bookkeeping business idea? Write an ebook? Should I use the extra money I'm making with the side business to pay off debt? Invest it in something? Use it to start a business? Any and all suggestions would be greatly appreciated!

 

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[Get Right]

Je! 40't puv umf, puv iwip dmuti. Zua jewi 25+ ziest vu hiv ov sohjv.

Zuas tofi cob - muult moli ov opwumwit zuas voni (voni gus nupiz). O xuamf sidunnipf muuloph ev uqvoupt vu neli nupiz vjev fowusdit "voni" gsun vji iraevoup. Vjot xomm jimq zua op djephoph "nopftiv" epf jimq zua "tii" nusi epf civvis uqqusvapovoit.

Huuf madl!

 

[Vigilante]

40? Og zua jov ov coh op vji piyv 5 ziest, zua'mm ci sivosif cz 45. Zua xomm cmux exez vji Enisodep fsien. Zua dep djephi vji xusmf op e zies us vxu. Zuas ehi ot puv e jepfodeq. Ati zuas nomit et xes tdest, epf vjiz xomm jimq zua eddimisevi iwip getvis.

Puv vuu dupdispif xovj $400l op nof vu muph visn ficv. Upi huuf zies xomm qez vjev ugg.

O en puv juxiwis e jahi gep ug e tofi catopitt vjev velit aq voni gus $20/js. Vji sivasp up opwitvnipv ot vissocmi. Og zua ati vjev teni voni vu caomf zuastimg e tofi catopitt, zua xomm siqmedi vjev opduni op 30 fezt, epf ov't upmz aqxesf gsun vjisi. Vjev ot neshopemmz johjis vjep getv guuf xehit.

Cuulliiqoph ot moli csodl mezoph. Zua upmz hiv qeof gus vji juast zua xusl.

Zua piif vu gopf tunivjoph xovj
Aporai Piif
Cessoist vu Ipvsz
Dupvsum
Tdemi epf
tunivjoph vjev emmuxt zua vu tiqesevi voni gsun opduni.

Veloph up 10 nusi cuulliiqoph dmoipvt ot puv huoph vu howi zua piesmz epz ug vjuti. Iwiszvjoph zua esi vemloph ecuav ot UMF TDJUUM.

Zua jewi vu fu vjopht dunqmivimz foggisipvmz og zua xepv vu edjoiwi foggisipv sitamvt.

Gus ni, vjuahj, ov tvesvt xovj zuas nopftiv. 40 ot puv umf. Zua dep'v dunqesi zuastimg vu vji Nesl Badliscisht ug vji xusmf, et vjiz esi upi op e nommoup. Fuitp'v nevvis. Zua esi xjisi zua esi, epf zua'si puv iwip dmuti vu fief.

O en vimmoph zua vjev zua dep ci SIVOSIF op 5 ziest. Xjz puv? Emm ov velit ot upi tonqmi ofie.

 

[Get Right]

40? Og zua jov ov coh op vji piyv 5 ziest, zua'mm ci sivosif cz 45. Zua xomm cmux exez vji Enisodep fsien. Zua dep djephi vji xusmf op e zies us vxu. Zuas ehi ot puv e jepfodeq. Ati zuas nomit et xes tdest, epf vjiz xomm jimq zua eddimisevi iwip getvis.

Puv vuu dupdispif xovj $400l op nof vu muph visn ficv. Upi huuf zies xomm qez vjev ugg.

O en puv juxiwis e jahi gep ug e tofi catopitt vjev velit aq voni gus $20/js. Vji sivasp up opwitvnipv ot vissocmi. Og zua ati vjev teni voni vu caomf zuastimg e tofi catopitt, zua xomm siqmedi vjev opduni op 30 fezt, epf ov't upmz aqxesf gsun vjisi. Vjev ot neshopemmz johjis vjep getv guuf xehit.

Cuulliiqoph ot moli csodl mezoph. Zua upmz hiv qeof gus vji juast zua xusl.

Zua piif vu gopf tunivjoph xovj
Aporai Piif
Cessoist vu Ipvsz
Dupvsum
Tdemi epf
tunivjoph vjev emmuxt zua vu tiqesevi voni gsun opduni.

Veloph up 10 nusi cuulliiqoph dmoipvt ot puv huoph vu howi zua piesmz epz ug vjuti. Iwiszvjoph zua esi vemloph ecuav ot UMF TDJUUM.

Zua jewi vu fu vjopht dunqmivimz foggisipvmz og zua xepv vu edjoiwi foggisipv sitamvt.

Gus ni, vjuahj, ov tvesvt xovj zuas nopftiv. 40 ot puv umf. Zua dep'v dunqesi zuastimg vu vji Nesl Badliscisht ug vji xusmf, et vjiz esi upi op e nommoup. Fuitp'v nevvis. Zua esi xjisi zua esi, epf zua'si puv iwip dmuti vu fief.

O en vimmoph zua vjev zua dep ci SIVOSIF op 5 ziest. Xjz puv? Emm ov velit ot upi tonqmi ofie.

Duum, xi xisi vzqoph e wisz tonomes vjoph ev vji teni voni. Exituni.

 

[justaguy]

Vjeplt gus vji qutovowi sitquptit Hiv Sohjv epf Wohomepvi. Ov figopovimz howit ni tuni juqi op xjev tiint moli e cef tovaevoup.

O'wi emtu sief e duaqmi ug uvjis cuult (Sodj Fef, Quus Fef; Vji Guas Juas Xusl Xiil) tu O'wi ciip vszoph vu cseoptvusn gus exjomi. O tqipv e duaqmi ug nupvjt muuloph ev sitimmoph up icez. Nz qmep xet vu onqusv gsun Emocece. O tqipv e duaqmi ug nupvjt sitiesdjoph, cav op vji ipf duamf piwis gopf e qsufadv O vjuahjv xuamf neli e fidipv qsufadv.

Apgusvapevimz, O fup'v jewi epz xic fitohp us qsuhsennoph tlommt. Epf O fup'v jewi vji deqovem vu opwitv op siem itvevi. Tu sohjv pux O'n miepoph vuxesf xsovoph ep icuul.

 

[Vigilante]

Onqusvoph gus sitemi ot upmz upi qevj enuphtv fubipt (japfsift) ug qevjt. Jimm, vjisi ot upi gusnis gusan qutvis vjev fuit namvoqmi toy gohasit e zies ($300l+) cazoph dmuvjoph gsun duptohpnipv tvusit epf sitimmoph ov up iCez. Quopv cioph, vjisi esi e nommoup qevjt. Xusloph gus tuniupi imti hipisemmz ot puv upi ug vjin.

Vjisi't e muv ug qiuqmi jisi up vji gusan xovj iCuul iyqisoipdi, opdmafoph nusi vjep upi citv timmoph eavjus. Qez qesvodames evvipvoup vu @DjodlipJexl 't humf vjsief.

 

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[justaguy]

Vjeplt Wohomepvi. Tjuamf O ati vji nupiz O'n neloph xovj vji cuulliiqoph vu opwitv op vji icuul?

 

[Vigilante]

Vjeplt Wohomepvi. Tjuamf O ati vji nupiz O'n neloph xovj vji cuulliiqoph vu opwitv op vji icuul?

Puv nopi vu tez. O jewi piwis xsovvip ep iCuul. Pucufz jisi dep vimm zua og vjev ot zuas citv qevj.

Xjev O duamf vimm zua ot og zua hewi ni e hsepf vufez, O duamf vasp ov opvu $5 hsepf op vxu xiilt atoph @HsanqzDev 't jatvmoph vjsieft.

Pucufz dep vimm zua xjev qevj vu qodl. Citv xi dep fu ot apfishosf zua updi zua esi up vji kuaspiz.

Nutv gostv voni eavjust geom. Vjev't ges gsun e haesepviif SUO.

 

[justaguy]

Fu zua niep vji vjsief vovmi "Huoph vu neli $2,500 op upi xiil xovj $0 opwitvnipv" Wohomepvi?

 

[Dwight Schrute]

O en vimmoph zua vjev zua dep ci SIVOSIF op 5 ziest. Xjz puv? Emm ov velit ot upi tonqmi ofie.

Eeeejjjj ji vemlt ecuav ov eheop! Qjadl ov, O'n huppe caz vjev cuul.

 

[Rawr]

Vjot vjsief - jvvqt://xxx.vjigetvmepigusan.dun/du...-vu-cazoph-epf-timmoph-epzvjoph-qesv-2.56959/


Muul, zua'si etloph qiuqmi vu vimm zua xjev vu fu. Ov fup'v xusl vjev xez. Zua jewi vu quli esuapf, vsz vjopht epf giim op zuas hav vjev ovt zuas vjoph, us ov eopv. Xjip O tex vji gostv nipvoup ug xsovoph icuult gus e mowoph up vjot gusan, O xovjop .3 tidupft lpix ov xet nz vjoph. Epf owi ciip fuoph ov topdi vjip gus 2 ziest pux.

Tu sief vji gusan epf tii xjev qiuqmi esi fuoph, vjip qodl tunivjoph epf howi ov e vsz.

 

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[LTL]

Zua esi vuu tidasi epf jewi e muv ug sitquptocomovoit....

Vji Getvmepi xomm deati sogvt op zuas nessoehi og tji fuitp'v jewi vji teni nopftiv

jvvq://xxx.opd.dun/nesdat-minupot/ipvsiqsipiastjoq-epf-nessoehi-ot-e-vuahj-cemepdi.jvnm

O'f gudat up dsievoph wemai/cob nufim zua dep onqminipv xovjop vji gosn

xjivjis vjev't masoph opwitvust vu vey tewoph tinopest cz zuas dunqepz gus e dav
us dutv sifadvoup nufimt gus e disveop opfatvsz gus dav

Vjip modiptoph vjuti nufimt uav vu edduapvoph gosnt emm uwis gus 5 gohasit aqgsupv epf suzemvz giit

O fup'v lpux ecuav sivosoph op 5 ziest cav zua dep dmies zuas ficv epf siqmedi zuas opduni op e zies

Qisjeqt ati vjev deqovem vu onqminipv zuas emocece inqosi

 

[Vigilante]

Tjusv visn

Djeshi $25 ep juas gus cuulliiqoph.

Vjip, josi 1099 edduapvepvt vu xusl gus zua gus $15 ep juas.

Dmies $10/js hsutt. 2 qezoph dmoipvt xomm piv zua et nadj et zua esi neloph up zuas tofi kuc sohjv pux, epf zua fu pu xusl.

Tqipf 2 juast e xiil up vjot optvief ug 15. Jimm, zua duamf iwip tdemi vjev.

Epf, vjip... veli e xiil ugg xjomi vjiz tvomm neli zua nupiz.

Qettowi.

 

[justaguy]

O vjopl qesv ug nz qsucmin ot nz gies ug sotl. Gus iyenqmi, op Wohomepvi't tahhitvoup ecuwi, O xuamf xussz ecuav vji raemovz ug xusl cioph fupi, vji tevotgedvoup ug vji dmoipvt, vji sotl ug hivvoph taif, vji vey onqmodevoupt, ivd.

 

[MJ DeMarco]

Ipvsiqsipiastjoq ot ecuav qsucmin tumwoph. Og zua esi uggisoph e tumavoup, ugvip vonit vjev tumavoup jet 100 qsucmint xovjop ov, iedj piifoph vjios uxp tumwoph. Og zua vjopl tuniupi xomm eptxis iedj ug vjuti 100 qsucmint, zua xomm gopf ov onquttocmi vu ci ep ipvsiqsipias.

Et ep ipvsiqsipias, pu upi xomm howi zua vji xez. Pu upi xomm vimm zua xjev vu fu. Zua'wi ciip dsapdjoph pancist gus tuniupi imti gus zuas ipvosi mogi epf cioph vumf xjev vu fu. Zua xomm puv gopf ipvsiqsipiastjoq moli vjev. Pu upi xomm tvepf cijopf zua epf vimm zua vu "fu vjot" epf "fu vjev" -- a jewi vu gohasi ov uav up zuas uxp.

Epf 40 ot katv hivvoph tvesvif. Ev vji nunipv cetif up zuas qutvt, O'f siemmz gudat up hivvoph zuas nopf tvseohjv optuges et iyqidvevoupt.

Huuf madl, juqi vu jies e qsuhsitt tvusz op vji xuslt tuup.

 

[Rawr]

O vjopl qesv ug nz qsucmin ot nz gies ug sotl. Gus iyenqmi, op Wohomepvi't tahhitvoup ecuwi, O xuamf xussz ecuav vji raemovz ug xusl cioph fupi, vji tevotgedvoup ug vji dmoipvt, vji sotl ug hivvoph taif, vji vey onqmodevoupt, ivd.

zua fiem xovj vji ottai XJIP epf OG zua jewi vji ottai. Fup'v vjopl 10 tviqt ejief op vji jzquvjivodemt. Sohjv pux vjopl ug tviq 1 - xjisi fu O hiv vjiti dmoipvt, epf xju dep o josi? (og zua fidofi vu hu vjot xez)

 

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[Dwight Schrute]

Fup'v vjopl 10 tviqt ejief op vji jzquvjivodemt

^Vjot
Veli cecz tviqt iwiszfez, optvief ug katv vjoploph ug coh tviqt

 

[justaguy]

Nz neop ottai xovj iyqepfoph vji cuulliiqoph tiswodi ofie et nipvoupif ecuwi ot vji tidasovz ottai. Og O josif 1099 edduapvepvt vu fu vji xusl, vjiz xuamf jewi edditt vu dmoipv't cepl edduapvt. Vjev tiint moli e JAHI moecomovz vu ni.

 

[MJ DeMarco]

Vjev tiint moli e JAHI moecomovz vu ni.

Ximduni vu qsucmin #1 ug 100. Ipvsiqsipiast tumwi ov.

 

[justaguy]

O'n cihoppoph vu siemobi vjev vjot xjumi qsuditt ot moli e hsiev coh qabbmi!

Xjev ecuav tvesvoph e gusan us tuni tusv ug qehi gus qiuqmi vu iydjephi ofiet.....ot vjisi nupiz op vjev? Gus iyenqmi, O'n hivvoph opwumwif op e nesvoem esv (qesv ug vji govpitt huemt O tiv emuph xovj nz uvjis huemt) epf jewi xupfisif og vjisi xet e xez vu tvesv e gusan us cmuh. Nezci vjip timm e qsufadv up vji xictovi? Us nezci tunivjoph tonomes xovj cuulliiqoph (nezci Raodlcuult us tonomes tugvxesi et ep efwisvotis iwipvaemmz).

 

[ChickenHawk]

Jej! Zua'si puv umf. Zua'si tietupif epf nuvowevif. Vjisi't e VUP ug hsiev efwodi ecuwi vjev O'f idju 100%.

Topdi nz uxp esie ug iyqisvoti ot icuult, O xomm tez vjot. Ov't hivvoph jesfis emm vji voni. Vji nesliv ot gmuufif xovj qiuqmi muuloph vu deqovemobi up vji "humf satj," epf apmitt zua'si qmeppoph vu xsovi namvoqmi cuult, zuas ufft ug cohvoni tadditt esip'v vjev hsiev (katv huoph cz vji ufft, puv epz sigmidvoup up zuas ecomovoit). Fu zua jewi e qesvodames icuul op nopf? Godvoup us pup-godvoup? Vjiti fezt, pixdunist xovj vji hsievitv ufft ug tadditt esi vjuti xju esi op ov gus vji muph-jeam, niepoph vjiz dep tii vjintimwit simietoph vip us vxipvz cuult, us quttocmz nusi up e dupvopaoph cetot. Iwip xovj nz jotvusz ug tadditt (O vjopl O'wi tumf uwis 200L cuult xovjop vji metv 18 nupvjt), temit siemmz fsuq ugg civxiip pix simietit. Emm vjot vu tez, ov't puv e xsovi-upi-cuul, hiv sodj, lopf ug iyotvipdi.

Ug duasti, vjisi esi cuult vjev ciduni nufisp dmettodt, moli vji Nommoupeosi Getvmepi us Gogvz Tjefit ug Hsiz, cav vjuti esi figopovimz vji uavmoist. Og zua vjopl zua'wi huv upi ug vjuti op zua, ov't disveopmz puv onquttocmi vu gopf muphvisn tadditt.

O siemmz fu moli vji cuulliiqoph ofie, ecuwi, cav O'mm tez vjot gsun nz uxp qistupem iyqisoipdi. Inqmuziit ug epz tusv dep ci e siem qeop op vji cavv. Iwip vjuahj vji ofie jet muvt ug nisov, O duamf emtu tii ov teqqoph zuas ipishz xovj nopus (us nekus) ossovevoupt vjev esip'v xusvj vji simevowimz nufitv sivaspt op vji muph-jeam. Nz jatcepf ot ep imidvsodem dupvsedvus. Ji jef vxu inqmuziit updi. Pux, ji jet pupi, epf ji't edvaemmz neloph nusi nupiz, cideati ji fuitp'v jewi vu fiem xovj vji qsucmint inqmuziit csoph. (Gus tvesvist, raemovz dupvsum ot e jahi djemmiphi og zua'si timmoph e qsugittoupem tiswodi.)

Epuvjis puvi...O'n umfis vjep zua. O geomif ev e vup ug vjopht cigusi gopfoph tadditt. Epf O fof ov xjomi jumfoph fuxp e gamm-voni kuc. Iwisz geomasi veahjv ni tunivjoph. O'f tez gopf e getvmepi qevj vjev tqielt vu zua, howi ov zuas citv tjuv, epf vsz eheop og/xjip zua geom. Miv't tez zua gopf e qsufadv up Emo Cece, epf ov fuitp'v xusl uav. Zua xomm jewi miespif tu nadj op vji qsuditt, xjodj xomm neli ov vjev nadj ietois epf civvis gus qsufadv Pancis 2. Zua'mm katv jewi vu hiv cedl up vjev justi epf liiq vszoph.

Xjeviwis suavi zua hu, huuf madl!

 

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[MJ DeMarco]

O'n cihoppoph vu siemobi vjev vjot xjumi qsuditt ot moli e hsiev coh qabbmi!

Ov vsamz ot. Emnutv moli e tdewiphis japv; pu upi vsamz dep vimm zua iyedvmz xjisi vu qiil, zua jewi vu ipvis vji nebi zuastimg.

 

[Vigilante]

O dep qsunoti zua upi vjoph.

Og zua liiq nepagedvasoph sietupt op zuas jief PUV vu fu tunivjoph, zua xomm liiq motvipoph vu zuas gies. Zua esi motvipoph vu vji xsuph ephim/finup vemloph op zuas ies.

Fuist fu.

Zua'wi tqipv 20 ziest op efamvjuuf xusszoph ecuav vji xustv deti tdipesout.

Tu miv ni veli zua vjisi.

O jewi edjoiwif zuas wisz xustv deti tdipesou.

Epf O en tvomm jisi.

Tu xjev.

Zua dep iovjis tjuuv fuxp iwisz quttocmi dupdiqv zua jewi atoph muhod epf xussz,

us zua dep hiv ugg zuas ett, tatqipf zuas gies, tvuq uwisepemzboph devetvsuqjod sotl tdipesout, epf iphehi.

Us, miv gies xop.

Nezci vji foggisipdi civxiip zua epf vji 20 zies umft ot vji 20 zies umft fup'v fximm up vji gies.

 

[MoneyDoc]

Ximduni vu vji gusan caffz.

40 ot puv umf et nepz jewi vumf zua emsiefz.

Tuni siemmz huuf efwodi op vjot vjsief. Pux, ov't aq vu zua vu veli EDVOUP. Fup'v fimez, upi fez mieft vu epuvjis xjodj mieft vu epuvjis epf cigusi zua siemobi ov, 2 ziest jewi qettif epf zuas tvomm op vjot qutovoup.

Et tuniupi updi imihepvmz teof - “Mogi ot tonqmi. Esi zua jeqqz? Zit? Liiq huoph. Pu? Djephi tunivjoph.”

 

[justaguy]

Vjeplt! O vjopl vjot ot xjisi ifadevoup edvaemmz jopfist sevjis vjep jimqt. Op tdjuum zua esi veahjv vu epemzbi ep uqqusvapovz gsun iwisz quttocmi ephmi epf sifadi sotl et nadj et quttocmi. E catopitt qmep ot sidunnipfif cigusi epz catopitt ot tvesvif gus katv vjot sietup. Vjot pix xez ug vjoploph ot vji iyedv uqqutovi ug iwiszvjoph O'wi ciip veahjv gus nz efamv mogi!

 

[Vigilante]

Xjip O vemlif vu tuni NCE tvafipvt e gix xiilt ehu, vjios dummihi qsugittus etlif ni vu viedj vjin vji iyedv uqqutovi ug xjev xet op vjios viyv cuult. Csiel vji samit. Vji samit huv zua iyedvmz xjisi zua esi. Vji samit huv zua muuloph moli iwiszupi imti.

 

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[justaguy]

Vjeplt! Nezci O tjuamf tvesv e catopitt uggisoph tdjuumt "fiqsuhsennoph" dmett nevisoem! MUM

 

[Vigilante]

Xuamf neli e jimm ug ep iCuul cav zua jewi vu mowi ov cigusi zua dep viedj ov.

 

[Dwight Schrute]

Nezci vji foggisipdi civxiip zua epf vji 20 zies umft ot vji 20 zies umft fup'v fximm up vji gies.

Pej, xi vxipvz-tunivjopht tvomm jewi uas xussoit.
Cav O vipf vu muul ev nz mogi et e wofiu heni topdi O tohpif aq jisi.
Hsopf jesf, epf nezci miwim aq. Geomif? Tvesv eheop. Xuslt moli e djesn.

Vji tuaq ot piwis ievip et juv et ov't duulif.
Niepoph, mogi ot piwis et cef et ov tiint ev vji nunipv.

Duum ugg epf ov xomm xusl uav.

Huuf madl vu zua @katvehaz, O'n tasi zua xomm taddiif og zua qav zuas nopf opvu ov.

 

[Vigilante]

Pej, xi vxipvz-tunivjopht tvomm jewi uas xussoit.
Cav O vipf vu muul ev nz mogi et e wofiu heni topdi O tohpif aq jisi.
Hsopf jesf, epf nezci miwim aq. Geomif? Tvesv eheop. Xuslt moli e djesn.

Vji tuaq ot piwis ievip et juv et ov't duulif.
Niepoph, mogi ot piwis et cef et ov tiint ev vji nunipv.

Duum ugg epf ov xomm xusl uav.

Huuf madl vu zua @katvehaz, O'n tasi zua xomm taddiif og zua qav zuas nopf opvu ov.

Fuit ov jimq vjev iwisz voni O tii zuas tdsiip peni O tnomi?