How to make the best financial decision to build wealth, secure your retirement and gain peace of mind.

LTV or Loan-to-Value Ratio or is often one of the most overlooked financial formulas; a foundation of finance, business, investing and managing risk. Simply put, you can use the Loan-to-Value Ratio or LTV (formula) to help you analyze the risk-reward framework in a financial transaction or an investment.

How to manage your taxes and stretch your dollars, understand the difference between  pretax income and after-tax income and how to calculate it and organize your personal budget. Understanding the true secret to building wealth.