Happy 2019 from Your Money, Your Wealth. Today on the podcast, as always, Joe Anderson,

CFP and Big Al-Clobine CPA are resolving to answer your money questions. Do you owe taxes on a

property that's gifted to you? Why would you use a financial advisor? And what are the small business

owner limits on Roth and 401K contributions?

So how about you?

Have you made any New Year's resolutions?

Do you actually want to keep them this time?

I'm producer Andy Last, and before we get to your emails, Big Al and I are talking to Marcus Garrett.

He's the co-host of the Paychecks and Balances Podcast, and he's also the author of Debt Free

or Die Trying, How I Buried

Myself in Over $30,000 in debt and dug my way out by age 30. Marcus may have an idea

or two based on personal experience on how we can make our New Year's resolution stick,

whether they involve getting out of debt or starting a passive income stream.

Marcus, how you doing? Hey, hello. Thank you for having me. Hey, you know what? First of all, and I know we starting a passive income stream. Marcus, how you doing?

Hey, hello.

Thank you for having me.

Hey, you know what, first of all, and I know we got a lot to talk with you about, but

she wrote this book called Debt Free or Die Trying.

So I got to ask you about what's the story and what's kind of some of the messages in the book?

Well, I'm trying not to get sued here. So I'll say the motivation. I won't say it was the actual

source, but it's actually Mr. Rapper 50 Cent, Curtis Jackson, I believe is his legal name, who had

Get Rich or Dietrich. And I was like, you know what? That's really catchy. I said, I don't want

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