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Live 4 Financial Freedom

61 EpisodesProduced by Bruce MillsWebsite

Become a Paid Subscriber: is our journey through Marriage, Raising Teenagers to Financial Freedom. Financial Freedom (FIRE) can help give you choices in life. We share stories to help couples getting married, married. Helping parents survive raising kids to plan… read more


Don't Co-Sign on Any Loans for Anyone

Have you ever co-signed on a loan for someone before? If so, how did it work out? I have had many friends that co-signed loans from student loans to personal loans for their kids, relatives or friends and some of those loans they ended up having to pay them off. I co-signed on a couple of loans and they both worked out but at times I lost sleep worrying about getting stuck paying for them. I tell myself I won’t put our family in that position again.

We have told the boys many times that we won’t co-sign on any student loans or personal loans for them. We love them all but we don’t want to be on the hook for the loans. Also, we want them to learn to only count on themselves and to save up the money before buying something so they don’t need to get any loans.

You may think I am crazy but it is possible. We all have many choices in life and we can put off things till we can afford them. I know our society pushes us to borrow money and enjoy things today. That is why so many people are in debt in the United States.

We walked in Kohls department store on Thanksgiving night when Logan wanted to buy a Nintendo Switch and right in the front door, we were stopped by a Kohls employee who had a clip board. She asked if we had a Kohls Credit Card. Of course, she had a sales pitch on the values of having a Kohls Credit Card but not the negative things like high interest rates and being in debt. In the last month I have been asked at many places like Home Depot, Target, Wal-Mart and more. Think of all the places you shop that ask you to open up a credit card.

We told the boys if they ever want to co-sign on a loan, they need to be prepared to take over the loan if the person decides not to pay on the loan anymore.

Let me know your thoughts about this blog and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful. Also, please see my Disclaimer page.

Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.

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