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Secure Your Legacy with Estate Planning: The Benefits of a Living Trust

Have you ever wondered what happens to your property after you pass away? A will is a legally enforceable document that expresses your wishes regarding the distribution of your property. But, is a simple will enough? The answer is, it depends.

A will is a cost-effective way to distribute your assets, but it does not offer much flexibility. In contrast, a living trust provides more control over your estate rights and is a better option if you own real estate and have assets. However, the initial costs are higher in the case of a living trust.

Probate is the legal process through which a court determines how to distribute a person’s assets after their death. In California, if you have $20,000 in real estate or $125,000 in assets, you are set to go to probate. Probate is not only expensive but also a lengthy process that can take up to one or two years or more, and the attorney and court fees can eat up a significant portion of your estate, leaving less for your beneficiaries.

To avoid this complex probate process and ensure your loved ones receive their rightful inheritance, a living trust is the smarter choice. Living trusts have been around since the middle ages and offer many benefits over a simple will. They provide more control and flexibility over your assets, offer privacy, and are generally less expensive than probate.

In my book, “Ready for PREtirement, 3 Secrets for Safe Money and a Fabulous Future,” I talk about the importance of estate planning and how a living trust can help protect your assets and ensure your beneficiaries receive their inheritance without the hassle and expense of probate.

So, whether you have a simple will or are considering a living trust, it’s never too early to start thinking about estate planning. By taking the necessary steps now, you can ensure your assets are protected and your loved ones are taken care of after you’re gone. Start planning today, and read “Ready for PREtirement” to learn the secrets of a safe and secure future!

For more Healthy Money Tips Listen to our PodCast  “Money 911

Subscribe to my Youtube channel youtube.com/@healthymoneyhappylife

Sign up for a Financial Fitness Strategy Session at Meet with Kris Miller – Financial Fitness Strategy Sessions

Go to my website healthymoneyhappylife.com

Email me at Kris@HealthyMoneyHappyLIfe.com

Call me at (951) 926-4158

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Smart Passive Income is a Dangerous Myth: Why You Shouldn’t Fall for It




Are you tired of working hard for your money? Do you dream of living a life of luxury without lifting a finger? If so, you may have fallen for the myth of smart passive income. In this article, I will argue that the idea of passive income is not only misleading but also dangerous. Contrary to popular belief, there is no easy way to make money, and those who claim otherwise are either lying or ignorant. So, buckle up and get ready to have your world turned upside down.


The Fallacy of Passive Income: Why It’s Not Real

Smart passive income is a term that has been thrown around a lot in recent years. It suggests that you can make money without doing anything or very little work. The truth is, there is no such thing as passive income. Even if you’re making money from investments, you still need to put in the effort to make informed decisions, and even then, there are risks involved. If you want to make money, you need to put in the effort.


The Risks of Passive Income: Why It’s Dangerous

Not only is the idea of passive income misleading, but it’s also dangerous. Many people have fallen for the promise of easy money and ended up losing their life savings. Investing in stocks, real estate, or any other form of passive income carries significant risks. The idea that you can make money without doing anything is a fallacy, and those who believe it are setting themselves up for failure.


Passive Income Requires More Work Than You Think

Passive income is often sold as an easy way to make money, but the reality is much different. Whether it’s creating an online course, writing an e-book, or investing in stocks, all forms of passive income require a lot of hard work upfront. Even after you’ve put in the effort, there’s no guarantee of success. The idea that you can make money without doing any work is a fantasy.



The Reality of Passive Income: Why It’s a Myth

The idea of passive income is a myth perpetuated by those who want to sell you something. The truth is, there’s no easy way to make money. Whether it’s through investing, creating a business, or working a 9-5 job, all forms of income require effort. Those who claim otherwise are either lying or trying to sell you something. Don’t fall for the myth of passive income.


The Limits of Passive Income: Why It’s Not Sustainable

Even if you’re lucky enough to make money from passive income, it’s not sustainable in the long run. Markets change, investments fluctuate, and businesses fail. The idea that you can make money without putting in any effort is not only a fallacy but also a dangerous one. If you want to make money, you need to be willing to put in the effort.


The Importance of Active Income: Why It’s Necessary

In conclusion, there’s no easy way to make money. Unless you’re born from it…

The idea of passive income is a myth perpetuated by those who want to sell you something. If you want to make money, you need to be willing to put in the effort. Active income is the only real income.

Whether it’s through creating a business, investing in your education, or working a 9-5 job, all forms of income require effort. The key is to find something you’re passionate about and work hard to achieve your goals. Don’t fall for the myth of smart passive income. It’s a dangerous and misleading idea that will only lead to disappointment and failure.



The idea of smart passive income is a dangerous myth that should be debunked. While it’s tempting to believe that you can make money without doing anything, the reality is much different. Making money requires effort, hard work, and sometimes a little bit of luck. There’s no shortcut to success, and those who claim otherwise are either lying or ignorant. If you want to make money, you need to be willing to put in the effort.

Active income is the only real income, and it’s the key to achieving financial freedom and success. So, don’t fall for the myth of smart passive income. Instead, focus on finding something you’re passionate about and work hard to achieve your goals.

For more information visit tylerhayzlett.com

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Bootstrapping for Beginners: How to Build Your Business with Sweat Equity



If you’re starting a business, chances are you’ve heard about the term bootstrapping. In simple terms, it means building a business without external funding. Instead, you rely on your own resources, hard work, and creativity. It’s a challenging but rewarding way to build a business, and in this article, we’re going to explore how you can do it too.


What is bootstrapping?

Bootstrapping means starting and growing your business with minimal external support or investment. Instead, you rely on your own resources, skills, and sweat equity. It’s a popular approach for many entrepreneurs who want to keep control of their business and avoid the constraints that come with external funding.

Bootstrapping can take many forms. You might start small and build up your business over time. You might launch a product or service and reinvest your profits to grow your business. Or you might leverage your network and community to get the resources you need. Whatever approach you choose, the key is to be resourceful, creative, and persistent.

The Benefits of Bootstrapping

There are several benefits of bootstrapping your business. First, you retain full control over your business. You don’t have to answer to investors or partners, and you can make decisions based on what’s best for your business and your customers.

Second, bootstrapping forces you to be more resourceful and creative. When you don’t have a lot of money to spend, you have to find innovative ways to get things done. This can lead to more efficient and effective business processes, as well as unique products and services.

Finally, bootstrapping can lead to a more sustainable and profitable business. When you rely on your own resources, you’re more mindful of how you spend your money and time. You’re less likely to overspend or waste resources, which can lead to a more sustainable business in the long run.


How to Bootstrap Your Business

Bootstrapping requires a lot of hard work, dedication, and creativity. But if you’re up for the challenge, here are some tips to help you get started:

1. Start Small

When you’re starting a business with limited resources, it’s important to start small. Don’t try to do everything at once. Instead, focus on one product or service and make it the best it can be. This will allow you to build a strong foundation for your business and generate revenue to reinvest in growth.

2. Prioritize Your Spending

When you’re bootstrapping, every dollar counts. It’s important to prioritize your spending and focus on what’s essential for your business. Invest in things that will help you generate revenue, such as marketing and product development, and cut back on non-essential expenses.

3. Leverage Your Network

Your network can be a valuable resource when you’re bootstrapping. Reach out to friends, family, and colleagues for help and support. You might be surprised at how willing people are to lend a hand or make an introduction.

4. Focus on Customer Acquisition

When you’re bootstrapping, it’s important to focus on customer acquisition. You need to generate revenue to reinvest in your business and grow. Focus on building a strong customer base and delivering a great product or service. Word of mouth can be a powerful marketing tool, so make sure you’re delivering value to your customers.

5. Embrace Sweat Equity

Bootstrapping requires a lot of hard work and dedication. You might have to work long hours, take on multiple roles, and make sacrifices. But if you’re willing to put in the effort, the rewards can be significant. Embrace sweat equity and



Bootstrapping can be an effective way for entrepreneurs to start and grow their businesses without external funding. By using personal savings, revenue generated by the business, and available credit, entrepreneurs can maintain full control over their ventures, save costs, and focus on generating revenue. Successful bootstrapping requires careful planning, hard work, and creativity. Entrepreneurs should create a detailed business plan, prioritize marketing and sales efforts, and use technology to their advantage. By following these tips, entrepreneurs can bootstrap their way to success.

For more information visit tylerhayzlett.com

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Inside the FTX Scandal: A Shocking Look at Cryptocurrency’s Dark Side


The FTX Scandal Unraveled: How it Impacted the Cryptocurrency World…

Cryptocurrencies have come a long way since the creation of Bitcoin in 2009. Today, there are thousands of cryptocurrencies available, with a total market capitalization of over $2 trillion. However, with the rise of cryptocurrencies, there has also been an increase in scams and scandals. One such scandal that has rocked the cryptocurrency world is the FTX scandal. In this article, we will discuss the FTX scandal, how it impacted the cryptocurrency world, and what lessons can be learned from it.

What is FTX?

FTX is a cryptocurrency exchange that was founded in 2019 by Sam Bankman-Fried and Gary Wang. The exchange quickly gained popularity due to its advanced trading features, such as leverage and futures trading. In addition, FTX was known for its strong focus on user experience and customer support. By the end of 2020, FTX had become one of the largest cryptocurrency exchanges in the world.


Who is Sam Bankman Fried?

If you don’t know him, Sam Bankman-Fried is a computer scientist and entrepreneur. He is the founder and CEO of Alameda Research, a cryptocurrency trading firm, and FTX, a cryptocurrency derivatives exchange. He is also the founder of Alameda Charity, which provides grants to projects aimed at improving the cryptocurrency industry. Bankman-Fried is an outspoken advocate for the cryptocurrency industry and is well-known for his involvement in blockchain projects.

The FTX Scandal

In early 2021, the FTX scandal came to light. It was revealed that FTX had been engaging in wash trading, a form of market manipulation. Wash trading is the act of buying and selling the same asset simultaneously to create fake trading volume. This can deceive traders into thinking that there is more liquidity than there actually is, which can cause them to make trades that they wouldn’t have made otherwise.

The FTX scandal was particularly shocking because FTX was one of the most reputable cryptocurrency exchanges at the time. The exchange had built a strong reputation for being trustworthy and transparent, and had even received investments from prominent firms such as Binance and Coinbase.

Impact on the Cryptocurrency World

The FTX scandal had a significant impact on the cryptocurrency world. The news of the scandal caused FTX’s trading volume to plummet, and many traders withdrew their funds from the exchange. In addition, the scandal damaged the reputation of the entire cryptocurrency industry, which was already struggling with a perception problem due to its association with scams and illegal activities.

How Big Was the FTX Scandal?

As 4th largest crypto exchange, at one point FTX was values at an estimated $32B. The Wall Street Journal reports that Sam may have illegally taken about $10 billion in FTX customers’ funds for his trading firm. His company has collapsed and in additional to it’s default on $32b in debt, the FTX scandal caused $800b worth of crypto to leave the crypto market overnight.

Lessons Learned

The FTX scandal serves as a cautionary tale for cryptocurrency exchanges and traders alike. It highlights the importance of transparency and honesty in the cryptocurrency industry. Exchanges must be transparent about their trading practices, and traders must be wary of exchanges that engage in market manipulation.

In addition, the FTX scandal underscores the need for regulation in the cryptocurrency industry. While the industry has largely operated outside of traditional financial regulations, the FTX scandal shows that there is a need for greater oversight to prevent market manipulation and protect investors.


The FTX scandal was a significant event in the cryptocurrency world. It highlighted the importance of transparency, honesty, and regulation in the industry. While the scandal had a negative impact on FTX and the cryptocurrency industry as a whole, it also served as a wake-up call for the industry to address issues related to market manipulation and investor protection.

Here’s the bizarre story here…



For more information visit tylerhayzlett.com

Investing Wealth

Unlock Your Wealth: How to Become a Landlord Using Your IRA and Secure Your Future

Are you looking for a smart and lucrative way to invest your retirement funds? Have you ever considered using your IRA to purchase real estate? It’s time to explore the exciting world of becoming a landlord using your IRA!  

An IRA is an Individual Retirement Account that can be used to purchase real estate before retirement without paying penalties or taxes. That means you can use your IRA to invest in real estate and enjoy incredible returns that aren’t even taxed! Since 1974, IRA holders have had the option to control how their money is invested, and buying real estate is one of the best ways to invest through your IRA.  

While there are certain complexities involved in using your IRA to invest in real estate, the benefits are well worth it. Right now is the best time to invest in real estate, with so many homes being foreclosed and sold at a bargain. Investing in a home right now would be a smart long-term investment, and a great way to diversify your portfolio. As the prices come up, your IRA holdings will increase manifold.  

Buying a home through your IRA is also a great way to prepare for your retirement. While you can’t buy a home for personal use, you can rent out the home until the age of 59.5 years and subsequently claim your home as your own when you take the final IRA distribution. This is a great way to make sure you have your own home when you retire and keep adding to your IRA.  

If you are considering investing in real estate through your IRA, it is important to enlist professional help. A professional can guide you in buying the right property at the right time for maximum returns, and help you navigate the intricacies of the process.  

Investing in real estate through your IRA is an exciting and inspiring opportunity to take control of your retirement funds and enjoy incredible returns. Don’t miss out on this opportunity to become a landlord using your IRA!  

For more Healthy Money Tips Listen to our PodCast  “Money 911Subscribe to my Youtube channel youtube.com/@healthymoneyhappylife

Sign up for a Financial Fitness Strategy Session at Meet with Kris Miller – Financial Fitness Strategy Sessions

Go to my website https://healthymoneyhappylife.com

Email me at Kris@HealthyMoneyHappyLIfe.comCall me at (951) 926-4158

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Secure Your Love and Future: Why a Prenup is a Must-Have for Every Couple!

Getting married is one of the most exciting times in your life. It’s a time of love, joy, and promise. However, it’s also a time when you need to be practical and think about the future. While it’s easy to get caught up in the romance of the moment, it’s important to remember that marriage is a big decision that shouldn’t be taken lightly. With the rate of divorce on the rise, it’s crucial to take steps to protect yourself and your assets in the event that your marriage doesn’t work out. That’s where a prenuptial agreement comes in. A prenuptial agreement, or prenup, is a legal document that outlines how assets will be divided in the event of a divorce. Many people view prenups as unromantic, but they can actually be a great way to add transparency to your relationship and make sure that both partners are on the same page about finances. If you’re still on the fence about whether or not to get a prenup, here are ten reasons why you should:
  1. Adding transparency to a relationship: A prenup can help both partners be upfront and clear about their finances, which can actually bring them closer together.
  2. Protecting yourself and your assets: If you earn more than your partner or have more assets, a prenup can ensure that financial liabilities and division of assets are clear before the wedding, so you can be sure of what you’ll be paying in case of a divorce.
  3. Protecting yourself from your partner’s debt: If your partner has a lot of debt, a prenup can help protect you from incurring it in the event of a divorce.
  4. Protecting your children’s future: If you’ve already been divorced or widowed, a prenup can help make sure that your children get their fair share of your estate.
  5. Protecting your business: If you’re a business owner, a prenup can help protect your business from being divided during a divorce, which can prevent you from having to liquidate it.
  6. Ensuring fairness: If you choose to stay at home and take care of the home and children, a prenup can ensure that you are compensated appropriately in the event of a divorce.
  7. Protecting your future career: If you’re about to start a lucrative career that will help you rise up, such as in law or medicine, a prenup can take that into account and ensure that you are protected.
  8. Preparing for the unexpected: People change, and a prenup can help protect your assets in the event that your partner changes in ways that are unexpected.
  9. Saving money: Going through a divorce can be expensive, but a prenup can actually save you money in the long run by avoiding costly legal fees.
  10. A less stressful divorce: Divorce can be extremely stressful, but a prenup can help make the process a little easier by avoiding complications around finances.
  In conclusion, a prenup is not just for the wealthy or unromantic. It’s an important tool to help protect your assets and make sure that you are on the same page with your partner about finances. By planning ahead, you can ensure a more stable future for both you and your partner. So if you’re thinking about getting married, consider the benefits of a prenup and talk to your partner about it. A little bit of planning now can save you a lot of stress and heartache in the future. Remember, a successful marriage is built on love, trust, and open communication, and a prenup can help facilitate that communication For more Healthy Money Tips Listen to our PodCast  “Money 911and Subscribe to my Youtube channel here Sign up for a Financial Fitness Strategy Session at Meet with Kris Miller – Financial Fitness Strategy Sessions Go to my website https://healthymoneyhappylife.com Email me at Kris@HealthyMoneyHappyLIfe.com Call me at (951) 926-4158
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WATCH: Blackrock CEO’s Huge Crypto News for 2023!

BlackRock is the largest asset management company in the world with $10 Trillion in assets under management.

Recently BlackRock’s CEO, Larry Fink, explains (in detail) how there’s a complete reset in the global economy.

He discusses the effects of high inflation due to the European war, along with the inflation of the US dollar, but also predicts inflation (particularly US inflation) will decline rapidly.

In a recent interview, Fink rolls out Blackrock’s long term investment strategy that includes a surprisingly heavy bull position on crypto despite the current collapse of the decentralized token market due to the downfall of FTX.

Check out the full interview below…


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The Top 10 Times Mark Cuban Called Out the Sleaziest Frauds on Shark Tank

Hearing the phrase “you’re such a con-artist!” coming from the lips of a potential investor during a live pitch is defiantly not a good look (especially when it happens on live TV broadcasting to millions of viewers).

It happened 10 times when Mark Cuban publicly called out scams when he smelled fish oil on ABC’s Shark Tank.



Sharktank is the place where people’s dreams can become a reality or a total nightmare…

The television program features some of the world’s most successful investors which include: Mark Cuban, Keavin O’leary, Daymond John, Barbara Corcoran, and Lori Greiner.

Since the show debuted in 2009, there have been some pretty memorable pitches. Here’s a video that shows some of the most savage shark tank moments on that were called out at total scams.

Mark Cuban goes head to head with these entrepreneurs, even questioning their ethics. Here’s the 10 times Shark Tank’s Mark Cuban calls out the sleaziest frauds on Shark Tank.


So awkward…







For more information visit tylerhayzlett.com

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This is How Shaq Made $400 Million from Carwashes…

Did you know 60% of professional athletes end up broke within 5 years of retiring? Not Shaq though. Far from it, his personal business investments are growing to Warren Buffet status.

You won’t believe how many businesses he currently owns…

Shaquille O’Neal is one of the savviest businessmen in the North American sporting world who has managed to amassed an incredible $400 million net worth following the end of a successful 19-year NBA career.

Including over 150 car washes across the US…


Here’s a Breakdown of Shaq’s Investment Portfolio:

  • Shaq owns 10% of all Five Guys (that’s 155 locations)
  • 40 – 24Hour Fitness centers
  • 9 Papa John’s
  • Krispy Kreme
  • Shaq Shoes (sold over 120 million pairs)

Side note, Shaq is also the owner of one of the most pointless website on the internet…

Pettiness aside, here’s a video where Shaq breaks down his investment strategy:





How Much Does Shaq Make on Endorsements?

In addition his business portfolio, Shaq makes a killing monetizing his personal brand too.

Shaq has endorsements with VitaminWater, Pepsi, IcyHot, and Taco Bell. All combined nets him a cool $20 million a year.

But that isn’t where he makes his fortune…His real money he prints while he sleeps in the fleet of carwashes he owns. All 150 of them, where he makes a majority of his earnings.

Watch for the full story…






For more information visit tylerhayzlett.com

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How a Broke YouTuber Invented $4 Billion Business After Being Rejected 40 Times…

In 2012, Jack Conte and his wife, Nataly Dawn, were known as the indie band called Pomplamoose. They were bringing in roughly $400,000 per year in revenue from tour dates, merch, and on ads viewed by their 1.5M followers on their YouTube channel.


But then a mental breakdown a few years ago changed all of that…

After spending three months producing an elaborate music video for their song “Pedals, (it’s pretty impressive for a self-production). But the production came at the heavy cost of maxing out all of Jack and Nataly’s credit cards.

The Conte’s sunk their life savings into making the video popular on YouTube. So far the video has 2.3M views, but the confused couple received almost nothing for their efforts from YouTube…

They spent $10,000 and three months to make just the 1 video go viral on YouTube. He soon realized that, even though he receives an average of one million viewers on his YouTube videos, he’d only make $160 in ad revenue. Kind of a shitty reward for the time and effort they were putting in.

Jack knew there had to be a better way…

So he came up with an idea for creators to get compensated directly from their fans and cut out the middle man.

That’s how he came up with the idea of launching Patreon. He sent a sketch of his idea to his former college roommate, an engineer, who started coding for it that night. They launched soon after, with Jack being Patreon’s first official creator. Within two weeks, he was making six figures…


Wait, What is Patreon?

Basically it’s a membership platform that helps creators to get paid. Creators perform an artistic service and return, their fans and supporters (aka patrons) use Patreon to support them by means of payments. This way, creators can spend more time creating content instead of looking for funding.

There’s a few business models that content creators can use on this crowdfunding/membership platform.


Patreon’s Business Model Enables Creators to Charge For:

  • Community (monthly memberships)
  • Educational subscriptions
  • Gated premium content
  • Pay-what-you-can donations


Jack founded Patreon in 2013, today they have 3 million monthly active patrons generating $100M+ per month on the platform.

At one point for example, author and psychologist Jordan Peterson, was said to be making over $70k per month on the platform just in donations alone.

Patreon currently takes between 5% and 12% of creator earnings (plus a payment processing fee). The pandemic helped increase revenue with over 30,000 creators flocking to the site within the first few weeks of the pandemic. Videos and podcasts are the biggest categories on the site.

Along with all their success, the company is facing an intense amount of competition coming from Youtube, Twitter, Instagram, Only Fans, Substack, and Clubhouse (is that thing still alive?).  It seems every platform these days is doing their best to lure creators by allowing everyone to make money versus just the big creatives.

But for now, Patreon has proven their business model helping participants in the creator economy to get paid more. The result of the couple’s efforts so far has resulted in an estimated $8 million in cash.

The companies’ market valuation is currently hovering at $4billion. Which is a pretty awesome accomplishment that a broken husband fed up YouTube created a rival platform that turned him into a millionaire.




For more information visit tylerhayzlett.com