Josh Heikkila - Mountain Financial
Building Wealth Strategically
At Mountain Financial, we practice wealth creation, including financi
What’s your income today? Is it enough? How much money do you need to be saving in order to live life like you do now or better once you retire and the income isn’t coming in?
If you don’t know or your financial advisor can’t tell you in less than 10 minutes…you might want to talk to us!
Thank you everyone! Here’s to 2023!
12/16/2022
Efficiency: Paying minimal tax and interest, maximizing earnings, cutting unnecessary expenses.
Control: Not NEEDING the bank, but being your own source of funding. Access to funds without penalties or extra taxes. Not being stuck in high interest debt.
Minimal Risk: Your foundational wealth systems shouldn’t be exposed to market and/or legislative risk. And “high risk” does NOT always equal “high reward.”
Knowledge: Don’t wing it, you need to know the RULES and the STRATEGIES. There’s a lot of information out there and you might have different preferences than other people. Spend the time to sort through it all and truly understand. Your money is too important to just hope for the best…
If you don’t feel like your finances meet these different criteria, just shoot me a message. We can do a free introduction meeting to see if I can help in these areas. It’s too important to to avoid or wait on!
Most people don’t really know the impact of inflation and taxes on their income.
Saving $10,000 isn’t as much as you think. Having $100,000 isn’t as much a you think.
Planning on having $1 Million for retirement will not get you as far as you think.
Do you know how much money you need to have in retirement to comfortably live how you are now or better?
If you don’t know…I can show you. DM me “RRON” I’ll show you exactly how much you need to save for retirement.
There’s so much information out there in which account your money should be in, what investments to do, etc.
At the end of the day we can all agree that whatever you do…your money better be earning compound interest.
Make sure your savings/investments are compounding, if not, let’s fix that.
Not sure what to do? Message me and let’s see if there’s any info I can give you to help!
10/02/2022
Scroll through and compare your financial situation to these landmarks. If you don’t feel like you finances look like this…what do you need to do to change that?
It is crucial to make sure whatever financial decisions you make are as efficient for you as possible. Make sure you know the best way to finance your lifestyle.
“Compound interest is the eighth wonder of the world. He who understand it, earns it; he who doesn’t, pays for it.” - Albert Einstein
However you choose to save/invest, make sure your money is growing via compound interest! There are better ways to do this than others…
Message me if you have questions or concerns!
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🟠 Josh Heikkila - Mountain Financial
07/16/2022
I saw a quote somewhere that said something like “if you only have one source of income, you’re one step away from disaster.”
It’s absolutely critical these days to have multiple sources of income. Your earned income isn’t going to be enough, you have to find the efficient ways to earn other sources!
Message me if you have questions or concerns!
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🟠 Josh Heikkila - Mountain Financial
07/15/2022
There’s a lot to figure out financially when you just get married and even before you get married! It can be overwhelming to figure how to merge your finances together in addition to preparing for a wedding, buying a home, expecting a child, and so on.
The good news is I will be happy to meet with you and help guide you to start you marriage off as financially stress-free and easy as possible!
Message me if you have questions or concerns!
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🟠 Josh Heikkila - Mountain Financial
There’s a lot of ways to build your wealth. And honestly…there’s no perfect account. But you went to be able to actually grow at a good rate while keeping your money SAFE.
Our Private Reserve Strategy shows you what accounts you can use and what’s best for you.
Message me if you have questions or concerns!
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🟠 Josh Heikkila - Mountain Financial
07/14/2022
I don’t know about you…but I’m certainly not wanting to HAVE to be working into my old age.
You have to be able to have money available to enjoy NOW and not HAVE to work for the rest of your life either.
It’s possible, you just need to make sure everything is in place. I’m happy to help!
Message me if you have questions or concerns!
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🟠 Josh Heikkila - Mountain Financial
High interest debt is a nasty thing. From a savings standpoint…you want to pay off the costs that are costing you the most FIRST and then work your way down.
I know the “debt snowball” says smallest amount first, and that’s fine if you want to do that. Just be sure to consider the overall “cost” of the debt and not just the size. Hopefully the highest interest debt is also the smallest debt too 😬
Message me if you have questions or concerns
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07/13/2022
If you’re going to save money for the future (retirement, emergencies, major purchases) and enjoy living financially free today and the near future…you have to be a WEALTH CREATOR.
No more living at the zero line, it’s time to create wealth and start actually enjoying some financial freedom!
Message me if you have questions or concerns!
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06/26/2022
Taxes, while necessary, are a burden. Unfortunately most of us are paying more in taxes than needed.
Figuring out how much taxes you need to pay as well as tax planning for your investments is pretty simple to calculate and adjust if we sit down with you. We are more than happy to help you keep your hard earned money, you just have to ask!
DM me or click the link in my bio and schedule a FREE Introductory WebMeeting and we’ll discuss!
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06/19/2022
Happy Father’s Day to all the dads out there!
06/19/2022
I love this quote! What a creative way to say that the banks aren't here to help you build wealth.
You have to invest your money in the useful tools available to you outside of the bank.
So where is the best and safest place to have your money growl? 👇👇
DM me or click the link in my bio and schedule a FREE Introductory WebMeeting and we’ll discuss!
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06/17/2022
Every little bit helps right? While none of these are going to make you rich, they do help bring in a little bit of extra cash on items you were already going to pay for anyways.
Coinout is simply taking pictures of your receipts. It is literally 8 or 10 cents per receipt, but hey…it’s something.
Fluz is one of my favorite apps for cash back. The app sometimes has a difficult time working, but when it does (which is most of the time) it is legit…How it works is you find a store/restaurant you want to shop at on the app (starbucks, amazon, gas stations, etc). You will buy a gift card from the app to that place. You will get a percentage cash back for your purchase and you just use the digital gift card. I have used this app a lot and earned over $100.
GetUpside, is legit too. Simply put…you claim offers at local gas stations and you receive cash back depending on the rewards per gallon. You will probably save more with grocery store rewards points, but if you don’t use those then you HAVE to use GetUpside. Especially with gas prices how they are.
The Bumped app is a stock rewards app. You get a certain amount of shares of stock in a company that you shop at. That money moves with the stock market (so it can grow or shrink) and if the stock pays dividends, you get that as well. It is a little limited of an app, but still pretty good!
The Amazon Shopper app is a must for Amazon customers. You simply take pictures of 10 receipts and you get a $10 automatically applied to your Amazon account. It is limited to that per month. But that is $120 year right? Helpful around Christmas time…
If you are interested in any of these let me know. I can send you referral links to the apps and we both get some bonus cash to start. Or just go download them yourself...I just want you to get cash back!
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06/13/2022
"It's not about what you make, it's about what you keep..."
You can be a high income earner and still lose it all if you are not set up properly. Be sure to take the necessary steps to preserve your money whether you are making a little or a lot.
What are the best ways to conserve your money? 👇👇
DM me or click the link in my bio and schedule a FREE Introductory WebMeeting and we’ll discuss!
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06/12/2022
It is MORE important to set your money up to NOT LOSE than it is to try and make the BIG GAIN. So many are out to get rich fast when it is more important to set yourself up safely first! Money is hard to come by, don't lose what you've worked so hard for.
So where can you put your money to work and still be safe? 👇👇
DM me or click the link in my bio and schedule a FREE Introductory WebMeeting and we’ll discuss!
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06/10/2022
Ya...no. Financial planning shouldn't include living a miserable lifestyle. I think he probably did some other things to grow his money faster rather than spend less...
What is the best way to grow faster? 👇👇
DM me or click the link in my bio and schedule a FREE Introductory WebMeeting and we’ll discuss!
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06/06/2022
Annuities could be a good option for those who are looking for some safer options to provide income later on in life along with some other benefits.
Annuities can be confusing though as there are many different options for different clients wants and needs. But I have found most people do not even know they exist.
It is best to sit down with a financial professional (me) and see if this could be a good option for you.
Have you heard of these? Curious if this is a good method for you? 👇👇
DM me or click the link in my bio and schedule a FREE Introductory WebMeeting and we’ll discuss!
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06/05/2022
The whole idea is that our financial system is an efficient and smooth functioning machine. This allows us to not stress so much and be able to do the things we want to do, when we want to. Let's tell your money what to do!
Ready to sit down and work on setting up your finances so YOU are in control? 👇👇
DM me or click the link in my bio and schedule a FREE Introductory WebMeeting and we’ll discuss!
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06/03/2022
My son just bought more shares of Mondelez today. He can keep their company afloat just by how many crackers and fruit snacks we buy from them😂😂
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06/01/2022
Thank you so much Sarah! It has been a pleasure working with you!
For Sarah we were able to increase cash flow by $1,150+/month, rollover and restructure retirement accounts for better growth and tax treatment, gained access to $45,000+ of untapped capital, and we are preparing for future investments and family protection! All in addition to a premiere education process.
These are all things we can potentially help YOU with as well. Ready to sit down and work on setting up your finances so YOU are in control? 👇👇
DM me or click the link in my bio and schedule a FREE Introductory WebMeeting and we’ll discuss!
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05/29/2022
When I say you need to start "investing" I don't necessarily mean buying into the stock market. You have to put money somewhere for it to grow or work for you. Whether that's in the market, alternative investments, insurance, savings, whatever!
If we have to put money somewhere, where is the best place for you specifically? 👇👇
DM me or click the link in my bio and schedule a FREE Introductory WebMeeting and we’ll discuss!
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05/27/2022
"Just work some extra hours and that'll help. Overtime pay? No we don't do that"
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05/25/2022
If you get a loan you will be able to see an amortization schedule. This will show you the details of your payments over the term of the loan.
This will show you how much of your regular payments are principal, interest, fees, insurance, etc.
Did you know about this? Need help breaking down your loans? Comment and tell me below👇👇
DM me or click the link in my bio and schedule a FREE Introductory WebMeeting and we’ll discuss!
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05/23/2022
Give me a 🙌 if you’re up for having gas be $.40 per gallon again!
Rent being $150/month? Pretty sure that’s my utility bill now
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05/22/2022
I am not someone who is looking to get rich or make others rich just for the sake of being fancy and vain. My goal is to help people build wealth so they can live their life and enjoy it with less stress and allow people to do what they want whether it is travel, build a business, enjoy good food, give to charity, sponsor children/missionaries, or whatever it is!
Ready to sit down and work on setting up your finances so YOU are in control? 👇👇
DM me or click the link in my bio and schedule a FREE Introductory WebMeeting and we’ll discuss!
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05/20/2022
Tom always seems to come through with the financial memes 😂😂😂
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05/18/2022
An example of annuities are regular deposits to a savings account, monthly mortgage payments, monthly insurance premiums, etc.
You can also purchase an annuity for yourself. This is a long-term investment that is issued by an insurance company and is designed to help protect you from the risk of outliving your income.
Have you heard of these? Curious if this is a good method for you? 👇👇
DM me or click the link in my bio and schedule a FREE Introductory WebMeeting and we’ll discuss!
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➡️ .heikkila
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05/16/2022
Your financial situation is a matter of choice, not a matter of chance!
I understand there are a lot of different social, cultural, and personal situations that make different financial situations easier or more difficult. Regardless of your situation, something can be done about it. All you have to do is say yes…
Are you willing to sit with me and let me help you get started, at NO COST? 👇👇
DM me or click the link in my bio and schedule a FREE Introductory WebMeeting and we’ll discuss!
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05/15/2022
I know some broke CEOs and I know some wealthy laborers.
Your income does not make you wealthy. What you do with your money makes you wealthy.
What are the best ways for you to KEEP your hard earned income? 👇👇
DM me or click the link in my bio and schedule a FREE Introductory WebMeeting and we’ll discuss!
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05/13/2022
Um...who's gonna tell her?
See why financial literacy is a must...?
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05/12/2022
Ah…the classic debate of if you need life insurance and which one do you get?
I personally would say that if anyone depends on you/your income, you know someone would have to take care of your expenses upon your death, or you want to leave money behind for others…then you NEED life insurance.
That should cover almost everyone…so the question is which one do you get?
Whole (or permanent) has a bad reputation mainly because it costs more and it can be more confusing but Term is slightly misunderstood as well.
So which one is most appropriate for you? How do these work? Depends on your situation… 👇👇
DM me or click the link in my bio and schedule a FREE Introductory WebMeeting and we’ll discuss!
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05/11/2022
You have probably seen this word before with your IRA's and 401k's, specifically regarding taxes.
If you see a "tax-deferred" account...that means you do not have to pay taxes on that account today. Just know...you WILL have to pay taxes on it eventually though. So don't forget 😉
Need clarity on some more of your financial situation? Want to know if paying taxes now or later makes more sense for you?👇👇
DM me or click the link in my bio and schedule a FREE Introductory WebMeeting and we’ll discuss!
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05/09/2022
The average annual tuition and fees for an out-of-state public university was $27,120 in 2019-2020
Do not think that number will be close to that in 12-15 years and that you’ll need to save around $30,000 for them each year.
Assuming tuition follows inflation at the average of 3%...that would make your first year of college in 2045 cost approximately $39,826.63
Unfortunately…studies show tuition outpaces inflation at double the rate. So you’ll want to calculate with 5 or 6%.
Expensive huh? So what is the most efficient way to save for a child’s education? 👇👇
DM me or click the link in my bio and schedule a FREE Introductory WebMeeting and we’ll discuss!
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05/07/2022
I actually struggle with this one a bit because I think a struggle a lot of people have with finances is not knowing the best actions to take. It might actually be unhelpful sometimes to just "go for it."
My job is to help clarify and show you what it is you can do. From there, we help you execute the plan and help you manage the plan the rest of your life. You just have to actually commit to making the decision.
Ready to get going? 👇👇
DM me or click the link in my bio and schedule an Introductory WebMeeting and we’ll discuss!
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05/06/2022
When coins used to be made with precious metals, people would shave some off so they could gradually collect enough to melt down and sell as a large piece of valuable metal, but still try to use the coins they shaved from at full value.
Quarters and dimes aren't made of silver anymore...but they kept the ridges on them.
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