About

Let me help you get out of debt, create a budget, and find financial peace.

I’m here to serve you.

About Me:

I'm a U.S. Navy Veteran with 20 years of service as an aircraft maintainer. Having worked on a variety of aircraft, my time working on the flight deck of aircraft carriers and turning wrenches on the F-14 Tomcat are my most memorable. This is where I learned that teamwork is everything. “Singular purpose and shared vision” is a concept that resonates with me to this day.

After my career in the Navy, I became a junior college and university level instructor, teaching electronics, computer servicing, information security, and computer networking. This is where I really found my passion for teaching people how to explore, learn new things, and think outside the box.

I then landed a career as a cyber defense analyst for the federal government, which is where I further realized the need to serve others above myself.

I took my passion for serving and teaching others and became a Financial Coach and South Dakota licensed life insurance agent. Now I’m here to help you with the personal financial strategies that will help you lead a stress-free life.

The Mission:

Helping people to get control of their finances, get out of debt, and find financial peace is my passion.

I’ve been there. I know what it’s like to live paycheck to paycheck, be deep in debt, and have no idea what to do when an emergency comes up. Not knowing when everything will be paid off and where the money is coming from to pay for that next emergency or medical bill can be extremely stressful.

But there is a way out. I can help you set up a budget to make your money do what you tell it to, build an emergency fund so that you don’t have to worry the next time the car breaks down, eliminate your debt so that you can be free to live a life without worry and plan for a stress-free retirement.

Contact:

Email: wflinn.llc@gmail.com

Phone: (605) 610-9238

Comments

Earning Extra Income

Some of the things that we can learn from doing a financial needs analysis (FNA) are what your budget looks like, developing a budget (if you don't have one), debt amounts and monthly payments, and money coming in versus money going out to pay living expenses. If the money coming in doesn't cover all of these expenses, then there are basically two remedies: reduce expenses and/or increase income. Part-time jobs (working as a W-2 employee) and working for yourself as a "freelancer" (1099 contractor) offer some pretty good alternatives. Part-time jobs, such as working at your local store or delivering pizzas for an established company give you the simplicity of earning income as a W-2 employee where the company takes care of all the tax deductions and paperwork. There are many types of 1099 contractor "side gigs" out there to help with earning more part-time income as well. Driving services, such as Uber and Lyft, delivering food, such as Doordas...

When to Take Social Security

There are many opinions out there about whether to take social security when first eligible at age 62, wait until full retirement age (around age 67 for most folks), or even wait until age 70 when the social security benefit is at its maximum. So, I thought I would throw my own opinion (about how I am doing it for ME) into the mix and give my reasoning so that you can see how it applies to my particular situation. This will give you an idea of what factors I considered, and what issues you may need to consider for your own situation. Basically, the mainstream schools of thought out there are to take it as soon as possible so that you can maximize the amount of total money drawn over your expected longevity, or take it as late as possible so that you can maximize your monthly income. Then, there is the issue of how soon that income is needed. If you are married, that will also affect when you want to start taking it. Whether or not your spouse worked,...

Auto - Pay: Credit Cards versus Debit Cards and ACH

Monthly autopay has become a very popular method for paying monthly bills. Usually, you just set it and forget it. Your cell phone company, insurance company, utilities, and a wide variety of monthly bills will allow you to set up your payment method and then they will do the rest. In fact, many places offer discounts for setting up automatic payments, and you don't have to worry about going past a grace period because a payment was delayed or lost in the mail if using autopay. Autopay has provided me with an extremely easy way to budget each month, and it saves me the work of having to schedule these payments each month using my bank's bill pay system. So, the debate has become all about whether to use a debit card, credit card, or an ACH (automatic electronic check) to make these payments. I will tell you that Dave Ramsey's stance is pretty much that you should have already cut up your credit cards and never go into debt again. I like that idea beca...

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