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Great news for anyone who has ever sat nervously at a group dinner scanning the menu for the cheapest option (soup — it’s always soup!) and praying no one wants to split the bill: Quiet frugality is over and “loud budgeting” is in. The phrase — which means exactly what it sounds like — was coined by TikToker Lukas Battle in December. “Loud budgeting is a new concept I’m introducing for 2024,” he announced in a video that now has more than 1.5 million views. “It’s not ‘I don’t have enough.’ It’s ‘I don’t want to spend.’”

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I once had a guy reach out to me who said, “Joe, I’ve been reading your book, watching your videos and reading your articles. I’m ready to trust your team with the $1 million in my 401(k) that I’ve saved over the last 30 years.” This was a big moment for him, and he had done a great job up to this point. He was certainly ready to retire; he just needed a better plan to ensure he could enjoy retirement.

We said you know what? We are going to get a slice of this huge multi million dollar pie by creating not just one but an army of AI influencers. These AI generated influencers allow us to get in front of all of this traffic, leads and sales without having to show our face, do the work, and most importantly be a hot 23 year old girl :) These AI Influencers allow us to be in ANY niche and scale like crazy because we can be anyone and be anywhere all at once! In AInfluencer we expose exactly this insane opportunity where traffic, sales, and conversions flow to you like water using this brand new concept of AI Influencers. Now you can do this from anywhere in the world all while never showing YOUR face. We are not saying we or you are ugly but lets face it. The world is not smart. They would rather buy from a hot young woman. It isn’t fair but it is what it is. AInfluencer uses the world against itself and profits!

I once had a guy reach out to me who said, “Joe, I’ve been reading your book, watching your videos and reading your articles. I’m ready to trust your team with the $1 million in my 401(k) that I’ve saved over the last 30 years.” This was a big moment for him, and he had done a great job up to this point. He was certainly ready to retire; he just needed a better plan to ensure he could enjoy retirement.

Based on an analysis of just under half a million records in the UK Biobank, people who drink two to three cups of coffee each day tend to live longer and exhibit less cardiovascular disease compared with those who abstain from the beverage. While the research doesn’t claim drinking more coffee adds years to your life, it’s nevertheless an intriguing association that scientists are keen to investigate further. It’s also important to weigh the findings against previous studies linking brain shrinkage and an increased risk of dementia with a daily habit of six or more cups of coffee.

As a young child, did you ever dream of having $1 million in the bank? I used to think that way, but my perspective changed over the years. $1 million is no longer a guarantee of financial freedom. For someone spending $200,000 a year in good health, $1 million won’t go very far during retirement. For someone else who spends $40,000 annually and has Social Security income, saving less than $1 million may be appropriate.