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You Can Do it update 6 10 2026

 

Work hard, complain less, get up early and watch things get a little bit easier?

 

For literally decades, people have asked me how they can make more money. The answer is pretty easy. It may not be palatable to some, but there is a methodology to making more money than most.

When I was growing up, most fathers taught their kids to “work hard, get up early and be an honest and forthright person (whatever that is), and you’ll die rich”.

Well, that last part wasn’t too encouraging but that’s exactly what my dad told me.

Most people I grew up with did work hard and get up early and most of my high school friends now are doing just fine.  Those that are still alive that is.

Growing up in the 60’s and completing high school and college in the 70’s, it was really that simple. Get up early, work hard and the jobs were out there and the money would come.

Not so come the following decades. Government overspending started the buying power erosion of the once mighty U.S. dollar. This subsequently resulted in decades of inflation leading up to this very day. Inflation is the thief of affordability and is the silent killer to one’s financial security.

I am not going into the weeds of the whys and how of inflation but just know overspending governments print up paper dollars at will to accomplish that spending and that leads to inflation. Inflation eats away at your finances because wages never go up at the same rate as inflation does so it’s a race you slowly lose.

That said, although the effect of inflation is worse now than it was a few decades ago (because it’s gone on so long), today it IS easier to make a buck than it was 25 years ago or so.

Explaining that was eloquently done by a guy named David Goggins. He holds the world pull up record, passed both Navy Seal and Army Ranger training, and is the epitome of one hard working SOB (Look him up).

Goggins says it’s easy to be successful nowadays because most people have lost the work ethic or worse, are downright indolent.

Goggins says the examples of both types of people are everywhere we look.

In fact, I, myself, come across both types almost every single day.

For example, I ran across a 17-year-old high school student looking for yard work. I contacted him and instead of a 9:00 am start, he told me he starts at 7:00 am. Upon my inquiry, he mentioned he hits the gym at 5:00 am so he is up early and works all day.

I am like “wow”, what a breath of fresh air this kid is.”

Some motivational speakers say, “Tell me your daily schedule/plans, and I’ll tell you if you are going to be rich.”

I already know this 17-year-old kid will not be anyone society will have to worry about and he will probably be very well off in a few decades.

I know a handful of friends that get up at 5:00 am, work a solid 8-10 hours a day and live a full and active life. Not one of them are struggling. Or at least not like most.

This breed of people runs the restaurants that are always packed, the stores that are always busy and are the service folks that are dependable and do a darn good job. They’re the people we say “wow, that person does great work, always responds, fixes problems and doesn’t procrastinate”.

They are the people that put their heads down and keep swimming. They don’t quit, they keep fighting and it shows in most everything they do. Whatever the service, wherever they work, they just keep pushing.

And then there’s the other side of the spectrum where the majority lie says Goggins. “These folks are the ones making it easy for the rest of us.”

I won’t say what these folks do because it’s more like what they don’t do.

They don’t respond, they pay little attention to detail and simply don’t give it their all.

It’s not rocket science. It’s not what you do, but how you do it.

In conclusion, my gardener is only 17, and he’s just pulling weeds. But he’s damn good at it. He works hard and long and knows the secret that so many seem to not understand.

I have no doubt that with that kind of work ethic, he will go a long way.

It’s not always fun. It’s not always easy. But neither is the world today in which we live in.

Swim a little faster, work a little harder, get up a little earlier and complain a little bit less, and watch how your world will start to seem just a little bit easier.

“Watching the markets so you don’t have to”

 

 

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Welcome

What we do:

Marc is an experienced economic professional. For financial services click here: https://www.vantageauburn.com/marc-s-services

Moneymanagementradio.com offers contact information to speak with Marc one on one and learn about what we offer so keep reading!

Marc Cuniberti, award winning host of Money Matters and Money Management Radio, welcomes you to his updated website. Money Matters articles grace the pages of many newspapers and financial media. On this website, you can download any of his radio shows by subscribing on any website page. Sign up for his newsletter or learn about his opinions about the economic world around you by clicking around the site. Of course, the radio shows are the main reason the site is here, so look through the SHOW TITLES page to hear a variety of topics,one or more are certain to peek your interest and perhaps find a show(s) that apply to your particular interest or question. 

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There are many financial products in the market, and choosing the ones that best meet an individual client’s needs can be complicated.  Informed decisions about the products in any portfolio are best made after an assessment of individual needs.  Speak with Marc directly. It is that easy. 

Marc Cuniberti (530)559-1214

 

Market Analyst and Commentator

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Economic Advanced Studies and Honors Graduate SDSU in Economics

Radio Talk Show Host

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California Insurance Agent and Medicare Approved Agent 

 

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Link to services here: https://www.vantageauburn.com/marc-s-services

Insurance can protect you and your family from undue hardship. Some life insurance policies also provide tax-advantaged savings that you can draw on to achieve goals like buying a house or retiring comfortably. I have access to a variety of insurance products that can help meet your security planning needs. No matter your personal situation—if you’re single or in a family; a professional or a seasonal employee; an executive or small business owner—we will work together to design a customized plan.

  • Life
  • Medicare
  • Long-term care
  • Fire Insurance
  • Auto
  • Business
  • Long Term Care
  • Liabilty
  • Event Liability
  • Annuities for income and growth

A Word about Life insurance:

In the event of death, life insurance may offer surviving family members financial security. As a tax-free lump sum payment, it can pay for final expenses and debts, as well as provide income for the deceased’s dependents.

 

The advantages of life insurance include:

An instant estate for your loved ones at a time when funds are most needed

  • Death benefits that are almost always non-taxable for named beneficiaries
  • Avoid probate costs if you name a beneficiary other than your estate
  • Potentially offer your loved ones creditor protection through some life insurance plans
  • Build tax-advantaged capital for retirement purposes or provide liquid savings through some permanent life insurance plans

Long-term Care, Disability and Critical Illness insurance, Lifetime income strategies and Medicare:

Help protect one of your most valuable assets – your income – from unexpected events through long-term care, disability and critical illness insurance.

Income is important for both current financial obligations (e.g. grocery bills and mortgage payments) and for future financial security (e.g. planning for your children’s education or for retirement). Just think what might happen if you suddenly lost your income stream through a long-term illness or disability.

Long-term care and disability insurance products help protect your ability to earn an income, which can be affected if you are afflicted by a disability or other condition.

Questions about Medicare? 

I can help navigage the programs.

I can also help you choose the long-term care and disability insurance products that provide advantages like:

  • May assist in transfer of assets. 
  • Help loved ones 
  • Assist with paying fixed expenses for your business if you become disabled
  • Support the buy-out of a disabled partner’s share of a business.

Critical illness insurance and Medicare Policies

Suffering a critical illness is distressing for both you and your family. Help ease the burden through insurance that will reduce financial stresses and can complement disability and life insurance protection needs. By helping pay for the additional expenses often associated with a critical illness or condition, insurance offers you, your family, and if applicable, your business, added financial security—so you can focus on recovery.

The advantages of critical illness insurance can include:

  • Coverage for up to 22 critical illnesses or conditions
  • An initial lump-sum benefit you can use however you wish—from making mortgage payments to seeking medical treatment outside Canada
  • Home-care costs during illness and recovery periods
  • Even if you’re not disabled from working, you may receive payment
  • The ability to provide a return of premium benefit (optional)
  • Individuals who cannot obtain disability insurance in some cases still qualify for critical illness coverage (e.g. a non-income earning spouse)
  • Medicare Policies and information. Let me walk you through the best options for your situation

Contact me today to determine whether critical illness insurance fits into your financial security plan.

 

There are also new “hybrid” plans available that combine the benefits of life insurance or annuities with long term care coverage and at a cost that may be more affordable than you think. Contact me today so we can assess your needs and develop the best strategies for your specific situation to give you the peace of mind you require and protect your family and loved ones.

 

Mark (Marc) Cuniberti- California Department of Insurance License # OL34249

 

Take a minute to contact Marc directly to schedule a no obligation phone call or meeting:

 

Email: mcuniberti@vantageauburn.com

(530)559-1214

Link for services here: https://www.vantageauburn.com/marc-s-services

 

 

This website expresses the opinions of Marc Cuniberti. Past performance does not guarantee results.

Insurance Solutions offered by Marc Cuniberti and not affliated with Vantage Financial Group.