How Defer Taxes Forever With Real Estate through a 1031 Exchange (1)

How to Defer Taxes Forever with a 1031 Exchange

In this article, you will learn about tax-free money, how to tax-defer capital gains taxes, and how to keep rolling your profits over and over forever! A 1031 exchange allows the owner of an investment property to sell it and buy another property while deferring the capital gains tax. 




You will spend about one-third of your life working to pay for your taxes. It is by far one of your biggest expenses. By learning the tax rules, you can legally reduce your tax bill and keep more of your hard earned money! 

Over the last two centuries, 90 percent of the world’s millionaires have been created by investing in real estate. Clearly, if you want to attain financial freedom real estate needs to be part of your portfolio. Your investment strategy should include a diverse set of investment vehicles which will create a wealth strategy that can weather any storm.


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A Quick Definition of a 1031 Exchange:


1031 exchange gets its name from Section 1031 of the U.S. Internal Revenue Code. It allows you to avoid paying capital gains taxes when you sell an investment property. The proceeds from the sale must be immediately reinvested into another property or properties of like-kind and equal or greater value.


What does that mean?:


As long as one property is being exchanged for another real estate holding, it doesn’t matter whether you are selling a home to buy a duplex, an apartment, a piece of land, or a 4 plex. You can even sell one rental home and split the proceeds to purchase two rental homes!

In fact, you can defer taxes on the portion that is being rolled over or the entire gain. The point is that you can defer taxes as long as that money is being immediately reinvested into another piece of property.

Should you decide to purchase a smaller property, resulting in a leftover gain, you will need to pay taxes on that amount. Remember to consult your tax accountant.

If you own a property for a long time, then you will need to recapture the depreciation, which can affect how much you need to pay in taxes. 

If a property sells for more than its depreciated value, you will likely have to recapture the depreciation. That means the amount of depreciation will be included in your taxable income from the sale of the property.

As long as you continue to roll the invested amount into another property, you can defer the taxes on the gain until the last sale.


Tax-Free Money Tip: 


Properties that have gone through a like-kind exchange are particularly well suited for inheritance gifts.

When you die, your heirs won’t have to pay ANY income tax should they decide to sell the property shortly after your death. This is because the property receives a step-up in value, and the gain goes away upon the death of the owner. 

What is a step-up in value you ask?

A step-up is the readjustment of the value of an appreciated asset for tax purposes (upon inheritance). The new value is the market value of the asset at the time of inheritance. Thus, the asset receives a step-up in basis so that the beneficiary’s (i.e. the receiver’s) capital gains tax is minimized.

So if you died, and your heirs sold the property upon your death, the property would receive a step-up cost basis (market value). Therefore, your heirs would not have to pay the deferred taxes on the increase in value.

I love Tax-Free Money!!! 



The 1031 Exchange Timeline: 



(Photo credit:



A Qualified Intermediary:


To qualify for a 1031 exchange, you must use a qualified intermediary. This means that all proceeds from the sale must be transferred to an unrelated party to the transaction.

Typically, an escrow company is used to hold the funds from the sale, while you find and purchase a new (replacement) property.


What if I Need Cash?


If you own an investment property and need to pull out cash, you can always refinance or pull a home equity line of credit (HELOC). Instead of selling your investment property, you can use it as collateral for a loan. 

Moreover, the money you receive when you refinance or pull out a HELOC is that it is tax-free! If you were to sell the property, then you would owe taxes on the proceeds of the sale! 

Even if you refinance, you can always perform a 1031 exchange at a later date and tax-defer the gains. Just remember to keep the original invested amount in the real estate holding and within the rollover.

The 10,000 Foot Overview:


Through a like-kind exchange, you can keep buying more and more properties as your properties go up in value (all without paying taxes).

You can continue to reinvest the principal amount while benefiting from the monthly rental income (cash flow). The rental income is reduced by the depreciation of the property and is only taxed at capital gains rate

Real estate really is a miracle investment vehicle!

Make sure to talk to your tax advisor before engaging in a 1031 exchange. This will allow them to guide you through one because the 1031 exchange guidelines are very specific. Additionally, talk to an escrow agent who has experience with 1031 exchanges to get the specific time guidelines.

Tax-free exchanges have very detailed rules that need to be followed to the letter. 


Learn the Rules of the Game:


Knowing the tax law and wealth building concepts are critical to navigating your way through the game of finance.

There are many ways to diversify your portfolio, and it is important to use of as many tax-advantaged strategies e.g. the 1031 exchange, Roth IRA, 529 plan, etc. as possible.

Want to learn other tax tips that will save you a ton of money and help you retire early? Take the FREE Increase Your Financial IQ Email Course for more information on financial planning and wealth creation!

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Feedback is always welcome! Do you know any tax-free tips that you use or want to share? Please comment below!


Tax Free Money

Tax-Free Money: The Secret of Buying Gold Inside of a Roth IRA

Who doesn’t love tax-free money? One of the benefits of using a Roth IRA is that all of the growth inside of this tax-advantaged account can be pulled out tax-free! In this article, I am going to share how you can grow your retirement account through the investment of commodities and skip paying the 28% capital gains tax legally!

Tax Free Money


Roth IRA vs. Regular IRA:


The difference between a Roth versus a regular IRA is “when” you pay taxes on the money. With a regular IRA, you take the tax deduction now but have to pay taxes on the amount you withdraw later.

The downside is that when you elect to pay taxes later, you have to pay taxes on the interest AND the gains that your money has made over your lifetime of saving and investing.

Moreover, you won’t know which tax bracket your future you will be in. Not to mention, tax rates are always fluctuating and the government keeps passing spending bills.

I love a sure thing, which is why I really like the Roth versions of 401ks and IRAs. I know that when I look at my account, every penny is MINE!

In a Roth IRA, your money grows and so does the compound interest. These two parts grow tax-free because you funded the account with post-tax dollars.

Another benefit that comes with a Roth IRA is that since you have already paid taxes on the money in the account, there is no RDM (required minimum distribution). Meaning that you can decide to withdraw at any time after age 59.5. 

With a traditional IRA, you are required by the government to start pulling a minimum distribution from your retirement account at age 70.5. This is because the government want’s it’s cut (taxes). Here is an easy RDM calculator by Schwab.

The goal of this blog is to show you how you can save money by going green and then reinvesting that money to gain your financial freedom! A Roth IRA is just one of the financial vehicles you should use to make sure you are ready for a worry-free retirement. 

So how much do you need to retire? Well, that depends on what kind of lifestyle you plan on living when you are retired. Let’s take care of the bare minimum, and then work on using other investment vehicles to cultivate play-money!


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How to Take Care of the Bare Minimum with a Roth IRA:


If you spend $40,000 per year during retirement, you will need around $1,000,000 to reach financial freedom based on the 4% rule. The 4% rule basically states that you can consistently withdraw $40,000 every year without touching the principle.

The result is that you can live off of the interest and appreciation of your portfolio. You are pretty much guaranteed to be able to live off your investments for 30+ years by following this rule. This is especially the case if you hold 75% stocks and 25% bonds.

In a prior post, I show you how you can fully fund a Roth IRA and become a millionaire by saving $15 a day!

In case you missed it, here is a quick summary.


How to Fully Fund A Roth IRA:


The maximum that the US government allows you to contribute to a Roth IRA is $5,500 or $15 a day ($458 per month). If you do this, you will end up with over $1.2 million in the bank.

Bang! You are a millionaire and are guaranteed to retire!

With the 4% rule, you will be able to retire at the age of 65. That is if you started investing when you were 25 (or over any 40 year period).

To learn more about the benefits of a Roth IRA you can read Roth IRA: How to Become a Millionaire by the Time You Retire! Can’t find $15 a day to save? Read “8 Ways to Save for a Down Payment on a Home and a Roth IRA“.

The image below shows the math, but if you want to play with the numbers yourself you can head over to

bank rate Roth IRA



The Secret of Owning Gold and Silver:


Tip 1:

Diversification is critical to lowering your risk while owning enough of the market to maximize your gain. Should you decide to own commodities in paper form (stock), you should trade them within your Roth IRA.

By owning paper gold and silver (stock) in a Roth IRA, you won’t have to pay taxes on the increase in the value of the gold and silver!

The capital gains rate tax on gold and silver is 28%, which is almost twice as high as the normal capital gains rate (15% for most).

If you were to trade gold and silver in your regular brokerage account, you would owe 28% of the gains in taxes. Say you made $100 in profit, well you owe Uncle Sam $28.


Chart provided by TLBJ a CPA firm.

The benefit of trading gold and silver commodities within your Roth IRA is that you don’t own ANY taxes on the gain! Meaning that you get to keep all of your profit! 

This is because you pay your taxes on the money you put into the Roth IRA before it goes into the tax-advantaged account. When you decide to pull the money out, you can do so without paying taxes on the withdraw, which includes the interest and gains!!



Tip 2:

Should you invest in gold and silver bullion (meaning that you actually take possession of coins or bricks), the dealer is only required to report to the IRS if you buy/sell more than $10,000 in a year.

Be sure to keep your receipt so you know how much you paid for the bullion (your cost basis). When you sell the bullion you need to report any gains or losses to the IRS. Should you have made money, you will owe a 28% capital gains tax on the increase. The increase is the amount you made above your cost basis.

**Gold and silver is a favorite of many investors due to the privacy it provides its owners.**

Remember, the goal is to get as much of your money from passive and investment income streams as possible. This is because they are taxed at a lower rate than regular income, and your money works for you while you sleep.

Here is a quick video that explains the IRS regulations on buying and selling bullion by




How Much You Should Have Saved at Every Age:



Chart source: Fidelity

The chart above shows how much you should have put away in savings for your age.

The formula is based on the assumption that a person saves 15% of their income annually beginning at age 25, invests more than 50% of their savings in stocks over their lifetime, retires at age 67, and plans to maintain their pre-retirement lifestyle in retirement.


Here’s the breakdown of Fidelity’s “How Much to Have Saved at Each Age” formula:

30: Have the equivalent of your starting salary saved
35: Have two times your salary saved
40: Have three times your salary saved
45: Have four times your salary saved
50: Have six times your salary saved
55: Have seven times your salary saved
60: Have eight times your salary saved
67: Have 10 times your salary saved


Being a Life-Long Learner: 


I complete a book every week and a half because I know that knowledge is the key to success. Often times authors spend years writing a book that contains all of the secrets that they have learned over decades of experience.

Want to learn other tax tips that will save you a ton of money and help you retire quicker? Take the FREE Increase Your Financial IQ Email Course for more information on financial planning and wealth creation!

Where did I learn about Gold Tip #1?  From an awesome book called Tax-Free Wealth by Tom Wheelwright CPA. I can’t say enough about this book and highly recommend reading it! You can get it on Audibles by clicking the photo below.




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If you have learned anything new here, please remember to share so that I can continue to provide you with more content!

Feedback is always welcome! Do you know any tax-free tips that you use or want to share? Please comment below!


Sustainable Living: DIY Earth Friendly Hand Cream

If you are like me, I always struggle when it comes to buying thoughtful and sustainable gifts for birthdays and holidays!

Sustainable living has become a topic that I think about throughout my day. As you’re making your way through a more minimalist, zero-waste lifestyle, one of the essential steps, is to swap out the plastic/disposable items with more sustainable alternatives. This is where making beauty products for yourself and friends can really come in handy!

One of the greatest benefits of making your own lotions, lip balms, and hair salves, is that you can save a ton of money, use higher quality products, and reuse your containers over and over again. My goal here at Eco Economics is to show you how to save thousands of dollars by going green and how to reinvest those savings into financial vehicles that will help you gain your financial freedom.

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The Perfect Home Made Gift:


Winter always makes my hands dry and chapped. So it’s time to make my favorite super rich & creamy dry hand lotion.  My friends and I love this stuff!

When I make a batch, I usually make several bottles all at once. This is because:

  • I purchase in bulk to save money and the earth from additional packaging.
  • Reduces the number of times I have to make the lotion. Meaning fewer times I have to clean up.
  • I have an inventory of lotion so that I don’t run out. This also means that I can give some away as thank you or birthday gifts.

Having an inventory of homemade gifts makes gift-giving super convenient. I try my best to remember, but there are times when we all forget that special someone’s birthday.  Luckily, by having a few extra lotions laying around, I have prepared for such a situation. I can easily run home and grab one of my homemade creamy lotions.  Bang! You have a thoughtful, inexpensive, and personal gift ready to go!


Sustainable Living: Handmade Organic Lotions Over the Store-Bought Kind


I have a rule. If I can’t pronounce what is in the box or bottle, it doesn’t belong in or on my body. The best thing about making your own is that you know exactly what you are putting in your lotion!

Take a quick look at the ingredients in the lotions, shampoos, and conditioners in your bathroom. Most likely, they have an ingredient label calked full of stuff that you can pronounce!

For example, I looked up the ingredients for Nivea lotion. According to the company’s website, the ingredients are:


Aqua, Paraffinum Liquidum, Cera Microcristallina, Glycerin, LanolinAlcohol(Eucerit®), Paraffin, Panthenol, Magnesium Sulfate, Decyl Oleate, Octyldodecanol, Aluminum Stearates, Citric Acid, Magnesium Stearate, Limonene, Geraniol, Hydroxycitronellal, Linalool, Citronellol, Benzyl Benzoate, Cinnamyl Alcohol, Parfum.

I am not a chemist. But maybe you are, so you know where all of those ingredients come from and what they are. In the case that you aren’t a chemist, like me, I know that I feel so much better when I know exactly what I am rubbing all over my body.

Tired of paying $10 or more for 8 ounces of luxury lotion? You can make ten times 8 ounces for under $10 and have a much higher quality product… If you make it yourself.



Here’s what you’ll need to make this Rich & Creamy Sustainable Hand Lotion


1. Shea Butter


The Why: This raw organic Shea butter is a godsend when it comes to dry skin and hair. It is rich in vitamins A, E, F, and K. Moreover, it has natural fatty acids, which provide the building blocks to make prostaglandins. An agent that decrease inflammation in the body.

Fatty acids have many functions in the body and play a role in:

  • oxygen transport
  • development of strong tissues and organs
  • healthy looking skin
  • immune system health



Eco Benefits: Shea butter is one of the world’s most sustainable natural resources. Shea trees grow naturally in the grasslands of West and Central Africa and do not need any irrigation, fertilizer, or pesticides.

Health Benefits: Vitamins in the Shea butter have soothing and hydrating properties. This means that it promotes healthy skin collagen, and prevents premature wrinkles. 



2. Beeswax


The Why: This is my favorite beeswax because it has been triple filtered under strict organic USDA guidelines and was created naturally by healthy honeybees in a NON-GMO, pesticide-free environment!

Eco Benefits: Bees, honey, and wax are incredibly beneficial to the environment. Not only do bees pollinate your food crops, but you can use almost all of their by-products.

Health benefits: Beeswax locks in moisture and can help keep your skin feeling firm and plump. Another benefit is that beeswax contains anti-allergenic and anti-inflammatory properties. In fact, it is one of the best skin care ingredients for healing rosacea and eczema. Additionally, beeswax does not clog your pores and is an exceptional natural alternative to mineral oil.

Mineral oil is made from petroleum, and the process of its extraction is a major cause of climate change and global warming.

If sustainable living is one of your new year’s resolutions, then finding swaps for petroleum and oil-based products are going to be high on your list.



3. Jojoba Oil


The Why: Jojoba oil has anti-fungal and anti-inflammatory properties. Plus it contains vitamins B and E. Jojoba is a shrub that grows in the Sonoran Desert of the US and Mexico.

It has many special characteristics, which makes it inherently sustainable:

  • Long lifespan (some shrubs can live over 100 years).
  • No annual re-planting required (as only the seeds are harvested).
  • Produces seed oil that is non-perishable.
  • Disease, pest, and drought resistant.
  • Grows in arid climates (requires less water).


Budget Benefits: A bit of Jojoba oil goes a long way. You don’t need very much to get the job done.

Tip: The Jojoba oil is a bit more expensive per ounce than other carrier oils. Sometimes I will add raw organic food-grade coconut oil to bring the cost down.

Health Benefits: Jojoba oil is rich in iodine, which fights harmful bacteria growth that can lead to breakouts. Additionally, natural antioxidants help heal sunburns and fight infections.



My Favorite Rich and Creamy Hand Lotion Recipe:


  1. 1/4 cup shea butter
  2. 1 Tbsp. Jojoba oil (carrier oil)
  3. 1 Tbsp coconut oil (carrier oil)
  4. 1.5 Tbsp. beeswax
  5. 10 drops of essential oils
  6. Let it sit on your countertop to cool!


You are done! That was super simple and easy. This whole process takes me around 15 min.


How to Prepare Your Mixture: 


  1. Heat the mixture in a glass measuring cup, that is sitting in a pot (containing water) over a stove top (on low).
  2. Use the microwave on 50% power. When using the microwave, I periodically check and mix the concoction in 15-second increments. I start off with the thickets ingredients first and then add the liquid ingredients last. Meaning, melt the beeswax first, then add the coconut oil and Shea butter. You do not need to microwave the liquid ingredients (jojoba oil and essential oils). Make sure to stir the mixture periodically.

Sometimes if I am lazy, I microwave the mixture straight in the glass jars (mentioned below). This reduced the cleanup time. I have gotten it down to where I just dirty 1 spoon!

What’s better than soft and smooth skin?  Soft and smooth skin that smells like fresh-picked Lavender and rose!

My Top 3 Favorite Essential Oils:


  • Eucalyptus– Eucalyptus essential oil has been used for centuries as a decongestant, deodorant, and disinfectant. That is because it naturally has antiseptic, anti-bacterial,  and anti-inflammatory properties.  Not only does eucalyptus essential oil smell amazing, but it stimulates your immune system! This is why I tend to make a eucalyptus essential oil during the winter time.
  • Rose– Rose essential oil is a powerhouse of anti-aging goodness!  It is an antioxidant and has anti-inflammatory properties that can help reduce redness and blemishes. It also improves blood flow and helps keep skin moisturized. I love to make rose-scented lotions and lip balms in the summertime.
  • Lavender– Lavender essential oil is an antioxidant that fights free radicals (which contribute to skin damage).  It has been proven to help circulation and increase blood flow to the skin. This allows oxygen and nutrients to reach the skin for the renewal and healing process.


Reusable Containers:


The Budget Benefit: Reuse these jars and tin containers over and over again.


4. Reusable Glass Jars

The Why: Contains Twelve 4oz jars with inner liners and dome lids that create a tight seal. You won’t have to worry about your handmade lotions leaking or spilling. You can get a hold of these jars on Amazon here. 



5. Screw Top Tin Containers

The Why: I use these tin containers to make my own lip balms/moisturizers. This container is also perfect for making hair waxes and beard balms for friends.

Eco Benefits: Tin cans are reusable and recyclable. Plastic, like paper, has fibers that shorten each time it is recycled. Glass, steel, and aluminum do not lose their quality during the recycling process and can be recycled endlessly.

Health Benefits: Lotions are often made with petroleum derivatives. Instead, opt to use minimally processed oils and plant-based ingredients.


Bonus Tips:


  • If you want a thicker consistency, then add more beeswax (lip balm and hair waxes are thicker than lotion). 
  • I tend to make a bunch of beauty products all at once, so I can fill several refillable containers. That way I have an inventory of products when I need them.
  • Lip balms, lotions, and hair waxes often contain many of the same ingredients (in varying quantities). This allows me to make a variety of personal care products with different essential oils, all at once.
  • These homemade beauty products make awesome, inexpensive, and thoughtful gifts.
  • If you want a thicker consistency, then just add more beeswax (lip balm is thicker than lotion). 
  • If you are visiting a dry area, like a high desert, mix Jojoba oil with coconut oil, avocado oil, and olive oil to create a super moisturizing hand oil.
    • Another use is to rub a dime-sized drop between the palm of your hands and then run it through the tips of your hair.  Make sure that you keep the oil towards the tips of your hair so that you don’t end up with a greasy look.

By making homemade hand cream, you can skip driving to the store and wandering around aimlessly looking for a thoughtful gift. Never get caught off guard by having to think about what to give a friend for their birthday, graduation, or celebration gift.


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Give a sustainable gift that is homemade, from the heart, and improves skin elasticity. Every friend will love you for it! Save money by making your own beauty products at home.

In sum, you will be using higher quality organic ingredients on your permeable skin, over petroleum (oil based) products. 

Take action today, and visit the Sustainability Shop to start using zero-waste, plastic alternative, and biodegradable products.  I have done the work of reading the labels and reviews to offer you the best sustainable products on the market.

I want to encourage you to reuse your belongings until they are either broken or no longer useful and you need to replace them. Of course, if you are using something that is not good for your health (like cooking with Teflon that was manufactured prior to 2013 or drinking from plastic water bottles), then purchasing a replacement makes sense.

If global warming, climate change, and resource depletion are important topics to you, then enroll in a FREE 5-day email course to learn about other money-saving sustainability swaps and actions that you can take to save the world!

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New Year’s Resolutions to Create a Sustainable 2019

Happy New Year’s! I am so grateful for all of the amazing things that happened in 2018 and am so excited for all that is to come in 2019. January is usually the time when we look out into the future and set a few goals to improve our lives. Striving toward a more sustainable lifestyle is one goal that has budget, environment, and health benefits.

The goal of Eco Economics is to show you how to save thousands of dollars by going green and how to reinvest those savings into financial vehicles that will help you gain your financial freedom.

Living a sustainable lifestyle has wide sweeping impacts on:
  • Our children’s future
  • You and your parent’s respiratory health
  • Quality of the food you eat
  • The environment that you live in
  • The planet’s biodiversity


UN scientists have released a warning stating that the world has less than 15 years to reduce the carbon output to nearly 0 or else face serious climate change consequences. 

What is really scary to think about is that three-quarters of the world’s mega-cities are by the sea. Moreover, imagine the level of geopolitical instability that would occur should billions of people need to relocate due to rising sea levels.

According to the UN, 2.4 billion people (40% of the world’s population) live within 60 miles of the coast. To give you a comparison, the recent instability in Syria has displaced 13 million people. Now, just imagine the level of crisis that would occur should 1 billion people need to find new homes. I am not an alarmist. I just want you to know the facts.

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This infographic, provided by the Union of Concerned Scientists, does a fantastic job of showing you how much water levels could rise over the next 100 years.



I urge you to join me by taking the Sustainability Pledge and promising to be the change that the world, our children, and the future needs. Start by educating yourself and investing in a sustainable lifestyle.

If global warming, climate change, and resource depletion are important topics to you, then sign up for the Free Sustainability Mini-Email Course.

7 New Year’s Resolutions to Create a Sustainable 2019:


If you are reading this article, it is because you are actively looking for ways to reduce your waste, increase your energy efficiency, cut down on spending, and live a healthier lifestyle.

With that in mind, I am sure that some of you are even looking to go a step further. Know this, eco-friendly, zero-waste, and minimalism are not all-or-nothing concepts. It’s about becoming conscious of your actions and starting small. Taking many small steps can result in a major social movement. As a consequence of your actions today, social movements can change the course of history.

The more you act and buy green, the easier it becomes. Soon, you won’t even have to think about it…It will just become “the way things are done”.

So, let’s get straight to it! Here are a few New Year’s resolutions that you can make to live a more sustainable lifestyle in 2019.


1. Plant a Carbon Sequestering Garden:

Reduce how much you spend at the grocery store each week by starting an organic carbon sequestering garden!

Planting an edible garden is one way you can make a huge difference by helping sequester carbon from the atmosphere!

Want to know what you need to start a carbon sequestering garden? Click here to learn about the benefits and how to get started!

2. Create a Habitat for Mason Bees:


In recent years, the decline of bees has become a cause for major concern for everyone.

Bees help farmers pollinate the crops that we rely on for food.  You can help our environment and eat better tasting  (bigger fruits and vegetables) by starting your very own Mason Bee garden.

Mason bees are 10x more productive than the common honey bee. This is because they are more efficient at pollinating flowers. What’s more is that they don’t travel as far to collect pollen so they are less likely to be exposed to diseases. Mason Bees cannot create their own hives, which is how you can help them by providing them a place to live!

Here is a quick video by TED that explains why our bee populations are in such great decline.


Starting your own bee garden is super simple and cheap!


3. Purchase a Zero-Waste Kit:


Making the switch over to a zero-waste or minimalist lifestyle has a relatively small start-up cost. One of the benefits of switching over to a sustainable lifestyle is that these products that will save you money over the long run!

One useful tip is to have a “to-go zero-waste car kit” that always stays in your car. I always keep reusable bags, to-go containers, a clean coffee mug, a full reusable water bottle, and a utensil kit in the back seat of my car. This way the kit is always on me where ever I go and whenever I need it.

Your zero-waste home kit should contain the following items at the very least:

4. Avoid Single-Use Items:


Bring your own or just decline the following items:

  • Cups
  • Balloons
  • Straws
  • To-go doggy bags
  • Fast food waste
  • Paper towels
  • Aluminum foil (use a silicone baking mat instead)



5. Water Conservation:


In total, humans can only use 1% of all the water resources on earth. The EPA website states that the U.S. population has doubled over the past 50 years, while our thirst for water has nearly tripled!!!

The US government estimates that at least 40 states anticipate having water shortages by 2024. Clearly, the need to conserve water is critical.

What you can do:


6. Increase Your Home’s Energy Efficiency:


Insulating your home will increase its energy efficiency, reduce your energy usage, and save you tons of money! The more air-tight your home is, the more money you can save. This is because heat won’t escape during the winter and the cool air will stay in your home during the summer. 

What you can do:

You can find additional insulation solutions on Eco Economic’s Sustainability Shop page.

The shop includes energy efficiency and water conservation conversion kits, solar products, zero-waste, and minimally packaged home goods.


7. Learn Online:


Take full advantage of the library system. You can listen to and read books online for free through an app called OverDrive which is connected to your local library. Subscribe to online versions of the news. Read informative sustainable books and watch documentaries to learn about what the mass media isn’t covering.

Become a life-long student and invest in yourself. Sustainability and personal finance are two topics that are not taught in schools, yet they impact every person’s life on this planet. Master your personal finances and learn how to live a more sustainable lifestyle by taking the Free Increase Your Financial IQ Mini-Email Course. 

Learn how to save thousands of dollars by going green and then how to reinvest that money to gain your financial freedom!

Reduce your carbon output by learning online and in your pajamas.


Increase your Financial IQ



Articles that may interest you:


Did you know that it only takes 25% of a population to start a major social movement?

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