This FREE self-paced course is based on 25 years of experience helping  families & students walk through the emotional blocks toward money and into Abundant Living.

  • using a 10-Step Process to deal with the barriers built up against wealth
  • multiple  worksheets to decipher your internal code to wealth
  • clarifying templates for focus
  • integrating the 60/40 Principle for life!

 You will be able to master the machinations of money. 

My Open Office Hours for anyone who has ever read my books, been a student, heard me speak or has questions on the current course they are taking. I highly recommend this easy opt-in program of for $9/month you get to participate in twice-a-month Q&A on ZOOM. All sessions are recorded for viewing later. I’d say about 85% of the participants email me questions and listen to the recordings after the “live” events.

This is the course that supplements “Money…It’s Not Just for Rich People” This is the complete system I used with my family that saved us thousands of dollars per year on our food bill. This program is a self-paced video program and has forms and templates throughout it so you can create your own price book.

  • Achieving Success with this Course

    1. Welcome to the Grocery Store Game
    2. Setting Up the Appointment
    3. Be Sure to Get Support
    4. Things You Need to be Successful
  • Rules of the Game

    1. More Isn’t Always Better
    2. Do you Know the Game?
    3. How the Game is Played
    4. The Weekly Grind
  • The Myths that Cost us Money

    1. “The Ugly 5”
    2. The Myth Monsters
  • Your Guide to the Mind Games

    1. Stay Aware of Your Mental State
    2. Your 20 Point Checklist 
  1. Bringing it All Together

    1. Creating Your Power Tool
    2. [Example] Eggs
    3. [Example] Milk

You’re On Your Way

  1. Your Third Largest Expense


  • Further Reading

    1. Excellent Books to Support Your New Shopping Habits
  • Templates & Checklists

    1. Do the Math!
    2. Price Book Pages
    3. Checklist for Shopping

In 2005 I wrote a book to help a small group of students get better with their money. 

The results of this book have shown my students how to get out of debt and save money on their current incomes. 95% of my students managed to change their financial situations for the better within 90 days of this course. The other 5% never did the exercises or didn’t keep the cycle of money flowing.

What do you get from this course?

  • The 60/40 principle allows you to take your current income and Drop Your Debt while Saving Money.
  • Your create your own systems for discontinuing spending that doesn’t bring you benefit
  • You gain control of your financial situation 
  • By the end of 90 days you have become a habitual saver.
  • You’ll know how to direct your dollars.

My next course series starts on March 2, 2020.

If you wish to be put on my email list for the next one:

  • Sign up for my free course, The 10 Steps to Abundance. I’ll email you each time I run this 30-Day Intensive Course “Live.”

Normally this level of support would cost you:

  • 37 hours of financial consultation @ $300/ hour = $11,100
  • Online course at a University for Personal Finance = $1,000
  • 38 hours of Q&A from a Money Maven (that’s me!) = $18,810

For a total of $30,910

However, I’m offering you this quality content and financial support for only:


The8Gates, LLC, Longmont, CO 80501

(720) 684-6536 office phone (9am-5pm, M-F) Mountain Time

[email protected]

Money…It’s Not Just for Rich People! 30-Day Intensive 


This 4 week online course is being offered to guide you into the financial habits that demonstrate regenerative abilities when it comes to cash and finances. You will establish systems and routines that will pull you from debt into habitual saving practices allowing you to fulfill your life’s purpose.


  • Classes start on: March 2 2020
  • Meet MWF at 10am (MT) on ZOOM
  • Mondays: 20min knowledge base, Go over homework, Q&A
  • Wednesdays: OTS Tutorials on the materials, go over homework, Q&A
  • Fridays: Pro Tip & Work Session


  1. Thrive! Don’t just Survive
  2. Implementing the 60/40 Principle
  3. Living on My Income
  4. Making Money Work for Me
  5. Philanthropy
  6. Tools of the Trade


By the end of this course you will have established:

  • Two separate savings accounts that you habitually invest in
  • Two separate organizations that  you habitually give donations
  • Established a system for money management and tracking
  • Use your Grocery Store Adventures to decrease your expenses while increasing your fun!

Thrive! Don’t Just Survive (Module 1)

There is no point to increasing money flowing to you if you don’t have a plan on how

you are going to spend it. That’s right! Paying off your debt is only one small aspect

to spending your money. There is a lot more to your life that needs attention and is

fun! This module will tap into what makes life fun for you and how to take the

money that comes to you and focus it on financial stability and a happy lifestyle.


You will discover:


  • What you need to know BEFORE more money comes into your life– you can focus your resources on achieving the life of joy you deserve
  • The 5 Laws of Wealth Accumulation – the money cycles in operation allowing you to target your maximum saving and minimal spending goals.
  • Create achievable financial targets – goals that you will hit every time 

You will receive:


  • Online Strength Quiz: discover where your emotional barriers to wealth reside so those limits can be dissolved
  • Power Tool: Course Outcomes Planning Tool (the questions needed to focus your finances AND provide clarity on your goals-love that!)

Implementing the 60/40 Principle (Module 2)

Control! Control over your finances! This has been lacking before. With minimal

effort, you’ll see your savings account grow and your debt decrease.


You will discover:


  • The Flow of Money – how to work with it so that in 15 min a day you’ll manage your cash with peace of mind.
  • The Intimate Relationship between debt and savings – learn the trick that few practice to drop your debt while stashing money in retirement funds.
  • Create Financial Traction – using the simple 60/40 System you’ll be creating an estate of value and spending money on your dreams.

You will receive:


  • The Money Flow Map: discover the movement of money and how not to block it with impulsive decisions
  • Power Tool: Division of Money Worksheet. This handy device keeps you financially on track and reminded daily of how to divide your money so that it flows where you want it to flow! Now that’s Control!

Living on My Income (Module 3)

You know how to spend money. Now let’s learn how to spend money well. There are

places you need to spend money that are closer to your power base. What is your

power base? Your passion for living! We want you to thrive on your income not just



This module takes you from living-paycheck-to-paycheck and sets you firmly on

your life adventure through daily choices that are in-line with your exciting purpose.


You will discover:

  • The Budget Buster – the one simple habit that makes middle-class millionaires without the deprivation mindset of a budget
  • Emotional Land Mines – make those emotional blockades work for you rather than against you. They have power. Transmute it for your benefit.
  • Ditching Debt – by using the 60/40 System you’ll be releasing the weight of debt so you are financially free to travel the life you deserve.

You will receive:

  • The Impulse Buying Guide: Ask these questions before you buy anything and you’ll drop your expenses significantly. This is a life changer!
  • Power Tool: The Cost Cutter Template. Creation of this one plan will transform your mindset so you create the financial well-being you crave.

Making Money Work for Me (Module 4)

You work hard for the money. (Thank you, Donna Summer!) Don’t you want it to do

it’s share of work, too? This module shows you the eighth wonder of the world

according Albert Einstein. Knowing the power of compound interest moves you

from paying it to earning it!


You will discover:

  • Pay Yourself Twice – you pay down your debt quicker.
  • Compound Interest – Can you count to ten? Then you can handle this math.
  • Savings Priorities – how to organize your savings for future and current expenses of college, parental care, medical bills, etc. without getting dizzy.

You will receive:

  • Calculating Compound Interest: Easy Math for a Powerful wealth builder
  • Power Tool: The Rule of 72 worksheet. The easy way to do the math.

Philanthropy (Module 5)

Give it away! Say what? But I worked hard for my money. Why should I just give it

away? Well, actually you don’t. You give it away after doing a bit of research. Learn

how to give money away with style! Your style! This way the money goes to people

that you want to help.


You will discover:

  • How to Navigate the Seas of Charities – so that your money goes exactly where you intend it.
  • Joyful Purpose in Community Support– the support that you need to keep motivated on your long term goals.
  • Ninja Stealth Giving– donating to others without revealing yourself. The excitement of anonymous giving and the adventure of seeing dreams come true for others through your donations.

You will receive:

  • The Top 5 Charity Navigational Tools: Picking a Charity has never been easier.
  • Power Tool: The Charity Interview Template. How to ask questions that tell you more then any financial report can.

Tools of the Trade: Behaviors that Bring Results to You FAST!  (Module 6)

Sharpen your wealth accumulation behaviors to a razor’s fine edge so you can move toward your goals faster. Here you get to see the many different ways you can design your financial path and then step out onto that walkway with confidence. Your personally customized plan will be built from your own work that you have created over the past month.


You will discover:

  • Do the Math! – saving money at each store by using your phone!
  • The Grocery Store Game– create and personalize your very own Price Book and save 15% on your food bill in the first 30 days of use.
  • Gorilla Shopping-The 25 different ways you can save money at any store.

You will receive:

  • The Quick Start 10 Check List: Keep your momentum going after the class with this handy checklist that will help you stay focused and on your financial targets.
  • Power Tool: The Grocery Store Game Price Book Template. The Printable worksheet that becomes your “memory” for the lowest prices ever!

Not able to take the course right now?

Then just grab a copy of the book sign up for the Mindful Money Program Listed at the top of this page.

Buy the book here–>>Money…It’s Not Just for Rich People!

Sign up for the Mindful Money Program for $9/month, you may unsubscribe at any time!

Welcome to Your Community of Writers, Now Write That Book!

In 2005 I was a college professor teaching mathematics and physics to non-majors. It was during that year that I published my first book. I didn’t consider myself an author or even a writer. I saw myself as a scientist.  Within a year of publishing, “Money…It’s Not Just for Rich People!” I was asked by my college Mentor to teach the rest of the graduate students how to take their thesis documents and transform them into published books.

 I taught that first class by the uninspiring title of:


Ever since that first class I’ve been teaching people like you how to pull those ideas out of your head and get your thoughts typed into word document!

This course will take you from the desire of wanting to write a book to creating a writing system that will allow you to create a Ready-to-Edit Manuscript. 


  • Welcome to the Writer’s Tribe

    1. Meet Your Guide
    2. Sign up for
    3. 30 Days of Writing Prompts – Bonus Activity
  • You Are a Writer

    1. Time to Label Yourself
    2. The Writing Process is 4 Steps
    3. Create Your Folders
    4. Your Idea Folder
    5. Get Your Calendar
  • Define Your Book

    1. Create Your Vision
    2. Steps to Success when Writing
    3. Goal Setting for Writers
  • Prep Week for NaNoWriMo

    1. Clear Your Calendar
  • Writing Through November

    1. Remove the Inner Editor
    2. Keeping the Habit
    3. What’s Next?
  • Course Wrap Up

  1. One Last Bit of Advice

By the end of this 4-Week course you will have:

  • Established a writing routine for your book

  • Identified the emotional barriers that keep your book in your head 

  • Overcome your biggest barrier to writing

  • Become a contributing member of two different writing communities

This is a self-paced course I have designed for all my students and friends who have asked me how to meditate. 

You have access to this course for as long as the servers run. Feel free to come back and refresh your memory whenever you start to struggle in your meditation practice.

Here is what we will be covering over the next 6 weeks (The pace recommended for your content). 

  • Introduction

    1. Outline of the Course
    2. Creating a Space to Meditate
    3. Carving Out Time for Meditation
    4. The Successful Mindset
  • Learning to Sit

    1. Posture
    2. Chair
    3. Foot & Hand Placement
  • Learning to Breathe

    1. Hindu Breathing Technique
    2. 12-12-12 Breathing
    3. Buffalo’s Abundance Breathing
    4. Dolphin’s Deep Breathing
  • Sitting Forms of Meditation

    1. Floor & Pillow
    2. Chair
    3. Prone
    4. Riding the Bus & Waiting Around 
  • Walking Forms of Meditations

    1. Lunch Break Routine
    2. Forested Trail
    3. Park
    4. Exercising & Jogging
    5. To the Mailbox
  • Incorporating Meditation into your Daily Life

    1. Right after Rising
    2. Morning
    3. Lunch Break
    4. Before Dinner
    5. Before Bed
    6. The Once-a-Week Stretch
  • Bonus Materials: Affirmations, Tips and Techniques

    1. Affirmations
    2. The Different Forms of Yoga
    3. Meditation Tips for the Wandering Mind
    4. Eating Habits
    5. Fasting
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