Byproducts are Tasty! And YOU are a Debt-Free Multi-Millionaire!!

Oops!! I’ve screwed up again! And this one?? Well… It’s Really Really Bad!

HA! I can’t believe how dumb I’ve been for sooo long!

The proof of my mistake shows up in the vast white blankness of the list of coaching clients that I Don’t have. Here is where this website will deliver another gut-punching WHACK of Truth, unfiltered 🙂 Hope you enjoy 🙂

I have  a business in which I offer clients the opportunity to experience expertly delivered information, walk-along-with-you guidance and a butt-kickin’ accountability partner on your road to personal financial improvement. This may mean reduction of debt. It may mean highly organized monthly spending plans. It may mean building a cushion of cash to make your dreams sweeter and sleep easier each and every night… kinda like I do 🙂


Nobody Wants That!!

I apparently am offering a stinky nasty rotten egg that most people don’t want for breakfast, lunch or dinner… ever!

And I have to admit that I don’t blame ’em!!

Truth is… All that financial talk is never what started me on this whole Dave Ramsey kick anyway 🙂

So, I OFFICIALLY APOLOGIZE!! If I’ve ever mentioned to you, around you, or in conversation with your cousin, anything about paying off debt or living on a budget, I apologize. Truth! Ugh! Whack! Right in my Gut!

Okay, HERE is what sold me on the whole Dave Ramsey Thing in the first place.

“Live like no one else, then later, You’ll get to Live Like No One Else!” – Dave Ramsey…

So, let me introduce you to the brain of a 29 year old single guy who loved/loves trucks and trips and motorcycles and four-wheelers and campers and bicycles and jeeps and snow-skiing and florida and sand dunes and parties and yes, girls 🙂

Guess what I heard in that Quote from up there… “blah, blah, blah, Live Like No One Else!” – Dave Ramsey

I have to tell you that in the midst of the summer of 2008, when I began my Dave Ramsey Adventure, I was not thinking or caring about financial peace or budgeting or debt-freedom… I was thinking about TOYS!!!

OH BABY!! I was thinking about big fancy diesel trucks, big enclosed toy-hauler trailers, shiny new quads and big house to park it all at! I was thinking about traveling where-ever at the drop of a hat. In hearing those few words; Live Like No One Else, I instantaneously filled my mind with an unending catalog of all the cool trick stuff that I would LOVE to have. All the things that I had previously thoughy were out of my reach forever. Items that I figured were only for the Rich People, were now in my mental grasp… All I had to do was follow what this guy, Dave Ramsey, had to say! Got it! No Problemo Por Favor!

Truthfully Y’all. This was what sold me on the whole thing.

So why have I ever tried to sell a budget or an emergency fund or an envelope system to anyone?? Well, I must be mentally slow, I guess!!

All of those things, those critically important components of my journey to financial freedom, those bullet points that I have used to try to convince someone that this may be an interesting plan, are just plain Painful to discuss.

They are nothing more than a means, to put me and you, closer to, a Beautiful, Fantastic, Overwhelmingly Exciting Vision of a Bright and Shiny Future that YES; We can Attain and Yes; We DO Deserve!!!

Wow! That feels a TON better, Don’t It!

Whew!!! So, Anyone out there interested in things like Fancy Vehicles, World-Travel, Fine Dining, or A Big Ol’ Stinkin Stack of Cash in the Bank? Whelp, folks, these things can be yours. And to continue with the truth, these are Not the goals, but rather the ByProducts of a Healthy Financial Foundation.

I can’t say it any plainer. A life of financial peace, brings a lifestyle of abundance. Or I could use Dave’s words again, “Live like no one else, then later, You’ll get to Live Like No One Else!” 

So, today, I officially quit selling my services in the genre of budgeting, debt-reduction, blah, blah and blah! Officially, I start selling brighter futures, peaceful nights of sleep, and paid-for-fun of any type you can imagine!

BUT WAIT!! I know what you’re thinking… “Aaron, you did the debt freedom thing. You paid off everything including your house. What happened to the big trucks, new bikes and all that, HUH!!” Well, my friends, this process taught me a lot more than I can share in this one blog post tonight. My dreams were just a little childish and just a little materialistic, but thank GOD they were there, to send me down this unbelievably rewarding path 🙂

Go back a couple paragraphs and I’ll tell you this for tonight (we’ll cover more later on my growth and understanding of true wealth) I DID earn the right to choose any type of paid-for-fun that I could imagine. Right now I’m on my 14th month of pure adrenaline pumping good times without punching-in one day at a job that I absolutely had to. I have had around 420 days of doing what I Choose to do with my day, and that level of pleasure is really, really hard to put into words.

In fact, I’ve probably felt just a little too ashamed at how awesome it is; to really explain it in these words and put it out there to those who need to hear it most. My Bad.

You see, the coolest thing about becoming financially fit and debt free is that we each get to Choose what life we want for ourselves. It’s up to us. We are free.

What would you choose? I would LOVE to hear about your fantasy (but absolutley reachable) world! Seriously, let’s just play “I’m A Debt-Free Multi-Millionaire” in the comments below.

“Now, hold-up! Aaron, you’re not seriously a Multi-Millionaire are you?!?!?”

Nope. Far from it. But, I am Debt-Free. And that allows you or me to feel like one! I wouldn’t trade that feeling for all the zero-percent-financed fancy cars or 30-year-mortgaged-houses on a cul de sac that my awesome credit would have gotten me in the world. Thanks Anyway.

So, Here on today, We’re going to play “I’m A Debt-Free Multi-Millionaire!”

Okay, I’ll go first 🙂

As a Debt Free Multi-Millionaire, I intend my life to look exactly like this:

My Connection to God: All encompassing, everyday living the worship and unending gratitude. Personally connected through a strong Church and Community.

My Family: A beautiful wife with a zest for life and an understanding that a journey with me will be a lifelong learning process for us both! … Kids!

My Education: A constant enrichment of mind, body and soul!

My Who: Surrounded by people who lift and mentor, share wisdom and compassion. Open and honest, we’ll exchange ideas with the purpose of enhancing the pool of collective knowledge for the greater benefit… And Have Fun!

My Career: Using Each Day; the exact Gift of my own personal unique Calling that I recognize; allow to flow and then share with the world. Each of us has one, and it is a gift from God with the purpose of helping others. Which would be F-U-N! (I would love to hear your ideas of what you think this may be for me!!)

My Giving: Writing tithing checks as big as I used to dream my paychecks to be, and Anonymously dropping $10,000 tips to unexpecting waitresses… Wow, Supa’Fun!!

My Service: A foundation named in honor of my Family who’s passed on, I couldn’t be the Debt-Free Mutli-Millionaire without the heavenly guidance of Joel, Melissa, Dorothy, Megan, Steve and many others!

My Schedule: Using my time wisely for inner silence, family togetherness and serving others… and Having Fun!

My Travel: Trips to explore this awesome world! Skiing at Whistler, Castles in Germany, Australia, Japan and Cross-country Good Ole American Road Trips!

My Home: An expansive Kansan acreage called Sterling Estates, with a lodge-style home, outbuildings for the family/friend get-togethers and a big playground in the back for kiddos.

My Ride: A Mercedes G-Wagon – Blam!

My Toys: A Custom Guzzi Designed by Roland Sands featuring portraits of the true Stallions riding Italians, Dad, Uncles Steve and Stan. And Whatever else makes sense, within millionaire-reason, and in the pursuit of passion!

My Household stuff: blah blah blah who cares! whatever we need, always using common-sense!

Important note: I have put these items in what I consider to be the optimal order of importance. This is my opinion based on research and my life experience. I would love to hear feedback on this 🙂

Back to the title of this blog… The Byproducts are Tasty, and they’re what we want, but we gotta start with God, to do it right. And let’s not forget: He didn’t create us to enjoy Mediocrity. I believe we call it Stress when we’re suffering from the pain of separation from our true potential. He made us in His image and that is pretty darn Grand!!

Okay, Now it’s Your Turn!!

Thanks for being here today on, I really do love having you here. Thank You for taking your valuable attention and time and bringing it here 🙂


Aaron Nichols

PS: REALLY DON’T forget to play “I’m A Debt Free Millionaire!” in the comment section below!! I want to hear all the cool things you want for your life!!!

Thank God for Wasted Time

As much as I would love to exalt the minute-by-minute productivity possibilities of a man working without distractions in a home office, as I do, it just ain’t true. In fact, recently I’ve read several books on the subject of Going Pro, and getting serious about Fighting the very real enemy called Resistance that attacks without mercy those who choose a career in which your job is to just plain sit down and write.

So, as Steven Pressfield (the War of Art & Do The Work) and Steve Chandler (Time Warrior) are doing their very best to teach: the importance of winning this battle against Resistance is paramount. I honestly felt tonight, out-gunned, out-manned and overpowered by this force that uses conniving trickery to keep me distracted from a productive early finish to my Thursday blog project, among other things… 🙂

Yes, Today, when five O’clock came, I felt the calmness of an hour or two of my early evening in which to write these words you’re reading. I instead was out in the front yard with a couple cardboard boxes, a handful of white dimply golf balls and a sand wedge.

As I mentioned recently, I have been infected with the golf bug, and after today’s work (at home) I decided to bang around some chip shots in the front yard…. instead of writing my blog post.

NOW!  This severely cut into my blogging time, this pushed back things I should have been doing otherwise, this was Resistance at it’s finest! Luring me into play-time instead of work-time… AAHHHHHHH, and I even know better than to fall victim to it’s trap! As one defensive measure, I have recently re-configured my home office to better suit clear single-minded focus and reduce peripheral distraction!! Lotta good that did today!

But, there I was, taking short backswings and chopping at balls in the hopes of dropping just one into the Budweiser box set up in my needing-to-be-mowed grass thirty feet away. Luckily, for an instant, I did try to tell myself that even though I was putting off the blogging temporarily, I should enjoy these moments…

How do you feel when you know you should be doing something productive, but you just can’t bring yourself into that action?? Do you get down on yourself? Do you feel like ‘less than’ you could be?? Lately, I’ve been trying to let the feelings of distraction flow, acknowledge them and let them pass… I do feel lucky to have this set of struggles, It comes with this territory that’s been a long journey to get to.

AND… I am reminded, by the Almighty… that I Should appreciate my own efforts, even if I fail to produce on time, and instead whack around golf balls in my front yard. How do I know this??? Well, later, when I had run out of time to cook supper at home I decided to eat at the Brand’N Iron, before heading out to get a tire worked on at my buddy Kevin’s place…

As I waited on dinner and chatted with friends at the Bar and Grill my girlfriend owns, a man came in and took the barstool just to my left. I didn’t recognize him, but others did, there were smiles all around. As I glanced over and nodded hello, it occured to me that this gentleman’s left arm reached only to his elbow. Clearly he had lost the lower part of his arm at some point.

Thankfulness washed over me.

This person was in great spirits, his mood was light. I could learn a lesson from him.

My late afternoon was slightly marred by an hour of swinging a club in the front yard, instead of writing these words to you on the computer indoors… Would this man feel upset to have spent that one hour with two perfectly capable limbs, and two hands to grip the club, while swatting at a little white ball? I have a feeling that this same act that I was scolding myself for, would have been seen differently through his eyes 🙂

I appreciate these real-life reminders to be grateful… Lord knows, I need ’em!

I think we’re all given challenges according to that which we can handle. His genuine smile said it all, he was doing just fine 🙂 I hope I sit next to him again soon. I’m sure I have lots more to be thankful for and tons more to learn… and then maybe next time, I’ll make myself have this post finished before supper time 🙂


Aaron Nichols

Mad Scientisms!!!

Our scorching, steamy, skin-boiling, triple-digit, giant umbrella of air got blown away by a tree-shaking, dust-making, mighty cooooooool, north wind gale last Sunday afternoon.

Sitting inside the house, enjoying the A/C, working at the computer, as I had been for the last few sweltering weeks… The noticing of this breeze through window and hearing the sounds of the commotion it was causing, made my left eyebrow slowly raise up, as I said “Huh???”

Ahh!! I dashed out the front door and beheld a generously sized dark gray thunderhead looming above the field north of my house. I popped back inside to snag the camera and figured Roxy would sit for a couple front-yard-storm-cloud pics 🙂

I took ’em…


With that STR-ONG wind a’ blowin’ I couldn’t help but notice that something crazay was happening to my head.

In case we haven’t visited in person in the last few months or so… Almost 9 to be exact. 🙂 This may be new news to you: I have grown out a partial head of curly locks of hair. For the 14 years prior to last Thanksgiving-ish, I had a very shortly-shorn, buzzed to the scalp look. Upon letting it go long,  I have been quite surprised by what has sprouted. As the pictures you’re about to see will show, it’s a very unique, distinct and somewhat mad-scientisty hairdon’t. With that Sunday wind blowing this birds-nest all around, I had to shoot some pics to see what it looked like.

And… I quite amused myself with the results! Lindsay, however, was less enthused 🙂

So, why do I choose to show you these pictures, and tell you this rather laaaame story of wind in my hair and all that jazz??

Well, truth is. I have somewhat LIED to people when they ask me about WHY I grew my hair out. Usually, I say something like “Oh you know, time for a change.”

This is actually a more personal, metaphysical and sensitive subject than I usually care to share as I pass someone at The Wal-Marts who hasn’t seen me since the old shaven head days, and says “Oh, I didn’t recognize ya there, since you grew your beard out!”


The real reason corresponds with the exact title of Chapter 24 of the new book
Time Warrior, by Steve Chandler, which I just happened to read upon today.

“Try Risking Your Identity”

This is exactly why I grew this crazay stuff out of my noggin.

I chose to make a life change just over a year ago, which we’ll discuss often here at And although, my then, oh-so-wise brain had everything figured out about the path to personal happiness through the adventure of self-employment, I had no clue how clue-less I was. (Luckily, being clue-less is one key taking action! When you don’t know the consequences, it’s easier to get moving!) Anyway, this week marks a year since I began working on my new business True North Financial Fitness Coaching, and back then I was full of energy and pride in that endeavor…

But… I was the only one so excited about it… The following few months contained some very tough and heartbreaking (for me) conversations between myself and some people very close to me, which severely impacted my tender ego. I was hurt and disappointed that my heartfelt vision seemed to now fall on an empty, disapproving or heckling audience. This information is given to clearly paint the picture of a man who found out the hard way the truth in this quote:

“You have to overcome the tug of people against you as you reach for high goals”
– George S. Patton


Given the extra time I had on my hands and nowhere to go but up from there, I kept at study, kept the faith and found out that one of my MAIN issues I was suffering from, was my own list of inner “Shoulds”. My ego was bruised up; in pain and as I came to find out… It is an appendage that I am in control of! Ha! I get to decide whether or not to internalize and worry over the opinions of others about what I am doing or not doing or whatever. As I found out through study:

“What you think of me, is none of my business.” – Wayne Dyer

This idea of a release from the good or bad opinion of others weaves its way through all the writings of the Masters.

So as an exercise in the sport of learning to grow my own self confidence and therefore release the heart-string tug of the ego. I decided that growing MY hair, would be one way to practice this. Okay, is that too long a story for Wal-Marts?? 🙂

See, MY hair? Well, I like it, cause it’s mine… but, I’m guessing lots of guys may keep this head shaved as to not show off such a strong recedence;  Or not choose to walk around not knowing how what it’s up to today, because it’s got a crazy curl somedays and other days waves; Or most men, may not want to re-learn to use shampoo and conditioner after going with just soap for lots of years… but the whole point here is to
s-t-r-e-t-c-h, risk and release forever, my former identity!

I knew that I would receive funny looks, or jokes or whatever cracks people may come up with… Heck, I had been the bald-headed, goatee guy for a long time! And I was right about the comments! But I MUST learn to roll with these types of things. If I am to get to the places I want to be, to enrich the lives others along with my own, I can’t be afraid that someone out there isn’t going to like something I am doing, or how I look, or how I’m dressed or whatever… and one way I’ve chosen grow my own self-esteem is through this simple act of letting it all grow wild! 🙂

And just in case you’re wondering, No, the long hair doesn’t have to become my new identity. Ideally, a flexible me, that can change and be comfortable in whatever moment is the ultimate goal. That’s why it’s okay to post these pics, they are just pictures. They do not tell my whole story. They do not speak to the whole of me. It’s just one windy day and a some photoshoppin’. I happen to like ’em!

Now back to the page, in the new book, Time Warrior, that I happened to arrive at today; a blog day; a day I am needing inspiration… (thanks again Big Guy! – he always comes through when I need it!) The author Steve Chandler, who I already feel a strong connection with!, starts Chapter 24 with:

“Try Risking Your Identity”

The quote at the beginning is:

“You have to be able to risk your identity for a bigger future than the present you are living.” – Fernando Flores

…and now from Steve, “That’s what has to happen for an individual to go from pretty okay to absolutely great – at whatever endeavor. A person must lose that freaking identity because it’s his worst enemy.
Be who you need to be in that moment. And then be willing to change that in a heartbeat. 
Just as the samurai would die before going into battle, you will want to do the same: die to who you are. Let your cherished, built-up personality pass away.
This ego, this personality, this identity was finished being made up for most people in junior high school. Therefore it’s just full of adolescent fear, worry and anxious hope…”

he then later cites Ken Wilber, on this ego of ours we use for an identity:

“If we are going to insist on identifying with just the little self in here, then others are going to bruise it, insult it, injure it. The ego, then, is kept in existence by a collection of emotional insults; it carries its personal bruises as the fabric of its very existence. It actively collects hurts and insults, even while resenting them, because without its bruises it would be, literally, nothing.” 

So… here on, we are all about the “Risking of Our Identity”. When you feel the freedom of letting go of the heavy weight of who you used to be… when you learn that you really can fly… then, you can jump aboard the strong cool breeze and soar to wherever your heart feels compelled to go!

“The question isn’t, Who is going to let me; it’s Who is going to Stop me?”
– Ayn Rand

Seems to Work for Me!

Thanks for checking in this week at! I LOVE having you here!


Aaron Nichols


DangerCycle… Hallelujah!

One month ago, here in the midwest, we jumped out of the frying pan and into the fire of a summer inferno with triple digit temps. It was the weekend of the Fourth of July and our air conditioner units began their seemingly 24-7 constant hummmmmm….

Perfect weekend to get out on the open road straddling a two-wheeled death-trap right?!?!

Absolutely It Was.

This post begins a series that I wish to build on, which points out some quite obvious and completely un-discussed topics that everyone encounters as we choose our moves and learn how to play this game of life.

Back to the Ride…

A weekend away with Lindsay was the goal. Up until 3 or 4 days prior to the exit-strategy from our regular routine, we had no plan. Suddenly, the thought of turning our weekend road-trip into a weekend bike-trip, materialized. I was excited and a little nervous that Lindsay was so open to this idea. I have been riding road-going motorcycles since age 18 and still had never gone on a whole weekend ride. She has ridden very little and was uber-optimistic; I was hoping: not tooooo optimistic about how fun it would be in 100 degree weather!

Anyway, embark we did. A loose plan to hit the Grandparents place in Bella Vista, AR, then Branson, then home… In a car, no biggie: on a bike? Lots more variables, lots of miles with only one of us to drive 🙂 but I was excited anyway.

Initially, the ride inside of a blow-torch flame at 70mph, south through the plains of Kansas, wilted my spirits for our days ahead. But all that started to change, once we passed through the corner of Oklahoma and then turned south again into the backroads of Missouri headed toward the Arkansas line…

In the span of a few miles, the searing-hot winds of Kansas, gave way to the cooling shadows of tree-lined ribbons of Ozark road.

My previously exhausting, straight-line, wide-open piloting transitioned to exhilaration as we ball-room danced into the sweeping curves, gentle valleys and quick-rise hills. This riding, the type that firmly pulls the corners of your mouth up and into a big cheesy grin, is the reason we came down to this neck of the woods…

Don’t forget that; we don’t forget that; this is a Dangerous Activity. An 1100cc v-twin motor, with rodeo-bull-strength torque, stampedes you down a 20-grit track of flesh-shredding tarmac. Luckily, you’ve got two air-filled balloons of soft rubber that keep you and your very-pretty partner from finding out the abrasion resistance properties of a 100% cotton, 10 year old sleeveless tee-shirt as you lean into the sharp, bumpy corner of a road less traveled. With all the things that could go wrong in a scenario like this, it’s no wonder that not everyone rides a motorcycle.

As we were flying ’round one of those corners – my grin a mile wide, I had a thought…


(in my helmet it sounded about like that 🙂

It’s So True! Actually, when you take a step back and look at the big picture, the perceived risk starts to drop, fact-by-fact, and the truth is that living a completely risk-free life starts to grow less and less appealing. Being 100% safe at any time is a total myth, and anyway, it’s not what we’ve been intended here to do. This is one big exquisite ride on the merry-go-round and it’s our own fault if we don’t enjoy it!

Case in point. I have at least 24 years of experience in the operation of the manual clutch and foot shifting it takes to move a motor-bike forward. I have 14 years experience in the leaning-to-steer operation of various two-wheeled roadbikes. We did choose to wear protective devices on the body part that we use to think with 🙂 no jokes please!! And we chose roads and situations to drive in, that reduced the amount of traffic, which reduced the amount of eyes that may or may not be watching out for you. Plus, with Lindsay on the back, my normal enhanced biker-focus was even more laser-sharp and on a swivel as I valued bringing her back home to her very large family in one piece 🙂

When you combine all these factors, the gut-level anxiety of flying around the twisties just melted into euphoria. We seized the moment, fully present in that space and time, working in alignment with the Universe, and concocting a recipe of pure light and joy. Certainly Not, fear, distress, worry or tension.

So, what does God want us to be doing? I believe it’s stuff like this. A beautiful, amazing, fantastic world has been crafted all around us. When we can proactively harness moments like this to thrill each one of our senses simultaneously, it’s a practice of praise to the creation. This is real health food for the soul! A whole body electrification that leaves you fuller in spirit for your effort!

Our couple’s weekend of riding a motorcycle, that I now proudly own but at a cost of a tragic loss of my uncle Steve Nichols, combined with rich family time at the home of my grandparents, Carol and Bill Smell, was something that I will always cherish. As the miles went on and on, we became not two people and a machine, but one entity that enjoyed harmonious communication and flawless performance, even in the face of the risks at hand. THAT, my friends, is Livin!

At one point, on our last day out, we trailed a group of cages, (a biker slang term for cars) that were slowly tip toeing around these same beautiful sweeping bends in the highway. For maybe an hour, I looked at their taillights as they smartly tapped their brakes, drove the exact speed limit and stayed well within the rigid, boring boundaries of safety…

I didn’t mind that our trip was slowed. At least I could still smell the fresh air, feel the wind and the occasional grip of a behind-hug from Lindsay. I was doing just fine 🙂

I had to wonder though? Is that version of safety, security, and risk management, worth the price? Now maybe these guys and gals have already done all their living? Maybe, they had a former glory of hell-on-wheels and now take comfort in the strict adhesion to the law. But, I hope that somewhere along their trip, they take the time to get a little out of line, to get a little weird, maybe let the kids color outside the lines and make their own creation 😉

Gratitude and Love flooded my mind through every risk-filled mile of that trip. I mentioned earlier that this post will be the beginning of a series. You see; the societal stereotype of motorcycle riding still has an edge of recklessness attached. Part of this is earned, part is not, and from one weekend-warrior-motorycle-rider out to the rest of the world, I want to say this: What are the activities that you, I and those we know; are involved in, that don’t carry a societal stereotype of recklessness, yet absolutely are.

There’s a long list, and today I’ll give you a teaser, but we’ll explore them in an ongoing conversation. I would love to get your feedback 🙂

Things that carry risk, or are absolutely harmful to your health and well being, and have a high probability of killing you,  that we all have done at some time… and no, it’s not just drugs, alcohol, or motorcycle riding 🙂

  • Complaining
  • Worrying
  • Passiveness
  • Negativity
  • Sedentariness
  • Tele Vision
  • Lacka Readin’
  • Financial Undereducation
  • Finding problems in others, instead of solutions within ourselves
  • Spiritual Neglect
  • this list will go on… 🙂
I would love to discuss with this salty crew of readers here, your thoughts on staying away from the mundane speed bumps and instead, chasing down your inner vigor for life!

I believe that 550 miles of winding roads can bring you closer to God, closer to your true self and yes; much closer to the beautiful brunette sitting just inches behind you. So get out there in the world and enjoy every breath! When you don’t have any more of those, then get started on your worrying about all the reasons not to love the life you’ve got!

Thank you God, for a blessed safe trip, and blessed risky weirdforgood life 🙂


Aaron Nichols