Kyle Pigao-101 Financial Instructor

My program isn't about a quick fix— it's about giving you the tools you need for a lifetime of financial success. https://l.101financial.social/2mfz

Worried about getting audited by the IRS? Here are a few things you should know so you can rest easy. The first: Only about 0.63% of tax returns are audited each year.

Also, most audits do not involve face-to-face meetings with an IRS agent. Nearly three-quarters of audits are conducted by mail, with the IRS requesting supporting documents or more information about certain items shown on the tax return such as income, expenses and itemized deductions.

Get a free copy of your credit report every 12 months from each credit reporting company: Experian, TransUnion and Equifax. It's good to review and check for any errors.

What we learned in school about money sometimes isn't enough. Karen and Gilbert's story, however, holds promise for other Americans looking to build wealth.

Anyone can benefit from learning how to budget more successfully by separating your expenses into needs and wants. Here's how you can be a better master of your money:

Every dollar counts: A look at needs vs wants

Life only changes when you decide to change. It may not be comfortable or easy, but it sure is worth it.

Thousands of people have taken the first step and are well on their way to financial freedom. Consider this your invitation!

While some amount of inflation is expected, we've seen a surge in inflation this year. Several factors have caused this, including supply chain issues, product shortages and effects of COVID-19. Read more about inflation and what you can do to combat it in our latest blog. https://l.101financial.social/2kUY https://l.101financial.social/2kUZ

Getting out of debt calls for self-control. You've got this!

In other words, 101 Financial can mean freedom and financial freedom. Like Garnetta, you have nothing to lose and everything to gain.

The VA home loan program has a number of awesome perks, such as no downpayment requirement, no private mortgage insurance, competitive rates and more. Learn more about this incredible financing option for military personnel and veterans who want to buy a home:

Are you familiar with the VA home loan program?

Some days you have to ask yourself: How badly do you want to achieve your goal?

Thanks for the glowing review, Tom. You're such an example of how hard work and a vision can take you far.

Are you dreaming of retirement? Before you build pipe dreams, make sure you have honestly assessed how much money you will need to live the retirement lifestyle you want. Remember to take into account even the smallest expenses that you take for granted. Let me help. Learn more: https://l.101financial.social/2ka1

It can be very difficult to keep friends when you’re trying to lower your cost of living and improve your finances while they're out spending money on entertainment, taking spendy vacations, buying a new car every five years, and living in a place that you can’t remotely afford.

Every debt-free journey begins with a commitment to yourself and your financial future. Are you ready?

It's normal to feel stressed as a first-time homebuyer. These tips can help you get your homeownership journey off to a great start.

Five key steps for first-time home buyers

The philosopher and author seemed to have his priorities straight. Do you know how to discern between wants and needs?

Well done Sione! What are YOUR financial goals? Now is the time to put in the hard work and get to that next level.

15%. It can be the magic number for millennials. If you start saving early and save 15% of your income, you can build wealth that will put you right where you want to be when it comes time for retirement. Where do you want to be?

Don't be afraid of a budget. You can do it!

Your kids are watching. What are you teaching them about money? How can you ensure a brighter future for them? I can help your entire family learn to be money smart. https://l.101financial.social/2hX6

What are the features of a great personal checking account and why do you need one?

How a great checking account can help you achieve money goals

Greatness lies within you. You just need to decide your goal is worthy of sacrifice.

Our proven system can help you achieve your money goals!

Hey, millennials! Before you pull money out of your retirement funds to use toward purchasing a new home, look at your current spending. Where can you cut expenses to save? Save now for your future; don’t subtract from your future savings for now.

Do you ever see an item in Goodwill or another thrift shop and think, "I could make some money off of this by selling it?" If so, you may be onto a good side gig.

Millions of Americans struggle with staying on top of debt. Are you among them? You can turn your financial future around with this proven program. https://l.101financial.social/2gX0

How much do you spend a month? Do you know? Yes, it can be a hassle to keep up with your expenses, but it can make a huge difference in managing your money. An inexpensive, or free, accounting program or app can be a game changer.

Take the first step today!