#50: Mark, a 55-year-old listener, has no savings. He's been listening to personal finance podcasts. He recently read Tony Robbins' Money: Master the Game. He called this podcast to tell us that he's feeling overwhelmed by the scope of what's ahead of him. Mark doesn't know how to apply this information -- and he's afraid of needing to work in fast food when he's 80 years old. What can he do? We tackle his question first on today's Ask Paula episode. Next, we take a call from Adalia. Adalia, another podcast listener, wants to earn extra money on the side. She's intrigued by the idea of becoming a virtual assistant -- a side hustle that allows her to work from home, setting her own hours. How should she start? Where can she find clients? Tyler, a podcast listener and fellow FinConner, is carrying $20,000 in credit card debt, with interest rates ranging from 11% - 23%. He also runs a side business on Amazon, making  43-50% returns for every dollar he puts in. Should he focus on reinvesting money back into his lucrative business, or should he pay his credit card debt off? Podcast listener Carlos just purchased his first rental property, and wants to know: are home warranties are worth the money? Todd, another listener, is curious to know if he and his wife should go without health insurance as the cost of premiums increase. He has an HSA, emergency fund, makes a good living, is in good health, and saves everything he can. Could going without insurance really save him money? Our last question comes from listener Lynsey, who has her sights set on financial independence. She works a second job during the cold Minnesota winters, which pays $25/hr. However, she wonders if she should use that time to invest in her future earning potential, by starting a business or getting an advanced degree. Should she go after the immediate cash, or focus on her future? All of these questions are answered in this episode of Ask Paula! Enjoy! -- Paula _____________________ I also want to take a moment to thank the sponsors for this episode. First, huge thanks to Nerdwallet. Their new app lets you have one-on-one conversations with financial advisors. You can chat about anything related to money, such as retirement, investing, insurance, or paying off debt. You'll get personalized, one-on-one advice -- available at no cost to you. Check it out at no cost to you by visiting nerd.me/paula. _____________________ If you've been listening for a while, you've heard me interview many best-selling authors. Before I interview these guests, I need to read or refresh my memory of their books. Sitting down to physically read the books can take a long time. That's why I listen to their audiobooks, thanks to my subscription to an audiobook service called Audible. If you want to give them a try for free, head to audible.com/trynow for a free 30-day trial. _____________________ Want more "Ask Paula" episodes? Head on over the the website and binge all you want: Show Notes and other Ask Paula episodes Learn more about your ad choices. Visit podcastchoices.com/adchoices

#48: Imagine that your goal is to build a flat stomach and stronger biceps. But deep down, subconsciously, you’re afraid you might fail. So you procrastinate. “I’ll work out tomorrow,” you tell yourself. “Or next week. Or next year.” As a result, you don’t make progress. But let’s flip the script. Instead of focusing on the result — your appearance — you focus on the smallest possible action. You create a new goal: Everyday, you’ll do a single push-up. You’ve designed a goal that cannot fail. The moment you commit to this goal, you drop to the ground and do a push-up. Congratulations. You’ve succeeded today. You repeat this everyday for a week. You build a new habit and new sense of self-identity. You’re the type of person who does daily push-ups. One day, while executing your single push-up, you figure, “Ah, what the heck,” and pump out a few more. One push-up grows into five, ten, fifteen, twenty. You focus on tiny actions, rather than their potential long-term payoff. Eventually, you get results. In today's episode, Stephen Guise, author of Mini-Habits, describes how the "one push-up" mentality accelerated his progress faster than a "100-pushup" mentality ever could. He explains why he decided to start focusing on actions, he shares the technique that he uses to conquer writer's block, and he talks about embracing "imperfectionism." Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices