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Credit Sesame was founded on a very simple principle: Assets – Liabilities = Wealth. Seems to make sense so far, right?


While there are many financial advisors focused on assets, few if any focus on liabilities, which can be as important if not more so. Like many of you know that is one of the reasons in which I have utilized the Protection, Savings and Growth Model for 16+ years now. Credit Sesame serves as the financial advisor for your credit and loans.

In 2010, they assembled an All-Star Team of Engineers, Scientists and Serial Entrepreneurs with deep expertise in credit and loan analytics to bring to you Credit Sesame.

Recently Credit Sesame approached me to become one of their contributing content bloggers. It is an exciting opportunity for me to expand my reach. Credit Sesame has 6 million customers worldwide. Hopefully the in-sight that I provide to my Drive Planning clients and on-line followers will also enhance the lives of the Credit Sesame followers.

My first article on their site is The Sugar Shak Principle.

I invite you to share this information with friends by following and sharing on-line. Follow Credit Sesame on Facebook, twitter or their blog.


Leadership Influencers

December 15, 2015

Leadership Influencers header


Leadership is about influence. Leaders must be careful about where they get their guidance. The people listed in this article are trustworthy leaders which influence hundreds of thousands of people around the world either personally or through their respective organizations. While I certainly do not claim the levels of influence that these individuals do; I aspire to do so and try to take direction and ques from them. While many of them will be familiar to you I wanted to introduce them so that my readers may learn from them as well. I admire the individuals below for their creativity, leadership and insight; hopefully you will as well.


andy_stanley imageAndy Stanley

Communicator, author and pastor, Andy Stanley founded Atlanta-based North Point Ministries (NPM) in 1995. Today, NPM is comprised of six churches in the Atlanta area, serving more than 36,000 people weekly, as well as a network of 30 churches around the globe. As host of NBC’s Your Move with Andy Stanley, reaching over 36 million viewers in less than two years on the air, and author of 20-plus books including Ask It, How to Be Rich, Deep & Wide, Visioneering and Next Generation Leader, he is considered one of the most influential living pastors in America. Andy Stanley and his wife, Sandra, have three grown children and live near Atlanta.

Follow Andy on-line at or on Twitter



Godin.seth image

Seth Godin

SETH GODIN is the author of 18 books that have been bestsellers around the world and have been translated into more than 35 languages. He writes about the post-industrial revolution, the way ideas spread, marketing, quitting, leadership and most of all, changing everything. You might be familiar with his books Linchpin, Tribes, The Dip and Purple Cow.

In addition to his writing and speaking, Seth founded both Yoyodyne and Squidoo. His blog (which you can find by typing “seth” into Google) is one of the most popular in the world.

He was recently inducted into the Direct Marketing Hall of Fame, one of three chosen for this honor in 2013.

Recently, Godin once again set the book publishing industry on its ear by launching a series of four books via Kickstarter. The campaign reached its goal after three hours and ended up becoming the most successful book project ever done this way.

His newest book, What To Do When It’s Your Turn, is already a bestseller.

Follow Seth On-Line at or on Twitter



Michael Hyatt imageMichael Hyatt

Michael is the author of the New York Times bestseller, Platform: Get Noticed in a Noisy World. It is also a Wall Street Journal, USA Today, and Amazon bestseller.

He is the founder and CEO of Intentional Leadership, an online leadership development company. We help overwhelmed high achievers get the clarity, confidence, and tools they need to win at work and succeed at life.

Follow Michael at or on Twitter



Richard_Stearns_World_Vision_US imageRich Stearns

Rich Stearns is the president of World Vision U.S., one of the world’s largest nonprofit humanitarian organizations. In 1998, in the midst of a lucrative business career as the CEO of Lenox, Inc., he felt an unexpected, irresistible call to exchange “success” for service to those affected by poverty and injustice. Since then he has tirelessly exhorted the American church to recognize and respond to God’s heart for children and families in need.

Today, Rich is known among both Christian and secular audiences as a trustworthy voice illuminating the critical issues that affect the world’s poor, and urging those who can to make a difference. Rich is also the author of two acclaimed books — The Hole in Our Gospel and Unfinished — that address the vocation of Christ-followers to live out the whole gospel, bringing the good news to a hurting world in not only word but also deed.


In his time with World Vision, Rich has traveled to more than 40 of the nearly 100 countries where World Vision works, and has a firsthand understanding of the issues that affect the poor. Driven by his passion to raise awareness of those issues, Rich has appeared on CNN, Fox, ABC, NBC, and PBS, and written pieces for the Wall Street Journal, The Washington Post, The Huffington Post, and other media outlets.

 Follow Rich on-line via Twitter


 KelsKelsey Humphreys imageey Humphreys

Here is how Kelsey introduces herself on her personal web site

I believe you were created for great things. My heart is all about unlocking untapped potential, especially in people, but also in projects and businesses. Right now I unlock potential through my writing and speaking, and I hope to inspire potential with The Pursuit. Life is too precious to waste stuck in a job you hate! I also feel for leaders in today’s changing marketplace, and I strive to create presentations to help them better lead entrepreneurial team members.
I started as a graphic designer, then learned the ways of marketing after working at three of the largest agencies in Oklahoma. I eventually worked my way up to my dream job, Associate Creative Director at an awesome agency in downtown Oklahoma City. I was then able to quit my dream job for my dream of starting my own business.

I took notes and blogged along the way and noticed there were many young would-be go-getters who wanted to do something more with their lives but needed help. I wrote out answers to questions about how I achieved career success, started my own business, found my passion, etc. Those notes eventually birthed my Bestselling book, GO SOLO.

I love the Lord, making people laugh, music (I forgot to mention my short popstar career), traveling and Sooner Football. I am really really trying to love running but to no avail as of yet. I live in North OKC with my high school sweetheart husband, Chris, our unbelievably cute daughter, and our two feisty dogs.

Wow you’re still reading. Cool. Maybe follow me on Twitter?



Howes ImageLewis Howes

Here is how Lewis introduces himself on his personal web site – 

My name is Lewis and I want to get real with you for a minute.

I’ve always dreamed big, strived for greatness and deeply cared about people.

My dream growing up was to be a professional athlete and be an Olympian.  After getting injured while playing professional football, I immediately thought about how to achieve the next dream.

Broken, broke, and clueless on how to make money or get a career, my obsession for learning about business, marketing, and adding value to influential people (when I had no value to give) began.  Since then it’s been a powerful journey for me – becoming a New York Times Bestseller, building up a multi-million dollar online media company,  speaking all over the world, advising for billion dollar brands, receiving media praise from places like Details Magazine, being one of “5 Internet Gurus Who Can Make You Rich” and much more.

I’m a firm believer that how you feel every moment is more important than what you do or what you have.  I got a taste of being a pro athlete for a short amount of time. Knowing what is possible in life when I commit to my vision and pursue it with 100% passion… anything is possible.

Living my ideal lifestyle is important to me instead of working to survive life.

It’s hard to think that without having any business experience I went from sleeping on my sister’s couch to running a seven figure business in a couple years.  Hustle comes to mind when people ask me how I did it.  Lot’s of hustle, passion, focus, and consistent vision.

Follow Lewis on Line at or on twitter



Kiyosaki imageRobert Kiyosaki

Robert T. Kiyosaki is best known as the author of Rich Dad Poor Dad. This is the #1 personal finance book of all time, which has challenged and changed the way tens of millions of people around the world think about money.

His book title holds four of the top ten spots on Nielsen Bookscan List’s Lift-to-Date Sales from 2001-2008 alone. In addition, Robert has been featured on shows such as Larry King Live, Oprah, The Doctors, Bloomberg International Television and CNN.

Educational Entrepreneur, co-creator of the CASHFLOW® board game, founder of the financial education-based Rich Dad Company and author of New York Times Bestsellers: Rich Dad Poor Dad, Conspiracy of the Rich: The 8 New Rules of Money, and Unfair Advantage

Follow Robert on-line at Rich Dad or on twitter





Who is influencing you? Who are the primary people that you follow on-line?

Share them with me on Facebook, LinkedIn or twitter



Why I Love Twitter

November 19, 2015

Social Media is often portrayed as evil and killing our society. I will be the first to agree that social media has created some negative influences in our societies behavior. However, in this post I am highlighting some positives that this new virtual world has created for me. Twitter is far and away my favorite of all on-line venues and here are 8 reasons why twitter is my favorite of all social media outlets.


Twitter Is Fast Paced

The fast paced nature of twitter makes it very appealing. Twitter users rarely ever get push back for posting to frequently which often occurs on other media outlets. The continuous and fast paced flow of data has also allowed it to become one of the first places people learn of news events as they are occurring.

Virtual Relationships Create New Real Life Relationships

Getting know someone through following them on-line allows for real relationships to develop easily. This medium isn’t always as filtered with a glossy lens like most Facebook posts, thus allowing you to learn how someone really operates. The ease and non-invasive way of following and learning about people who live, work and play right around you allows users to create relationships easily with similar minded people.

Virtual Relationships Enhance Current Real Life Relationships

All virtual relationships, I believe, are enhanced through following on-line. It allows you to keep up with your friends in a busy world where time doesn’t always permit that relational commitment. However, the nature of twitter allows for a more personal look at all of peoples likes, dislikes, hobbies and ambitions. Again, i believe it is because of the less filtered nature of the posting method and socially acceptable frequency.

Twitter Makes Me A Better Writer

As someone who loves to write it is often easy to use more words than necessary. Being limited to 140 characters forces you to use minimal words, yet intelligently get your point across. It has also provided me with additional relationships and outlets to share my thoughts through blogging.


It is the online location where Hashtagging or using the # sign as a way to categorize subjects became prevalent. Thus, allowing subjects that interest you to searched for and grouped easily. The marketing ease that comes from hashtagging has created entire new campaign strategies for companies and their products. Searching hashtags, for me, has become a place where I can readily get the popular sentiment of our society on certain products or issues.

Twitter Develops Fans

Twitter allows for people, interests and even causes to go viral faster than any other media. You can create loyal followers or even fans in this outlet like no other (Arguable that YouTube and Instagram are competing now, but twitter was first). Fans are the 21st Century version of loyalty that marketers are crave to sell and rave about their products. It seems to be easier here because it has less to do with your friend base or geography than most other social media. On the flip side it has forced Customer Service or “Customer No Service Depts.” to be held accountable because negative service issues can also spread at viral rate.

I Read More

I find myself reading more because of the content that I source on twitter. As an avid reader it allows me to research authors, books and news stories quickly. In addition to the speed, I find content which I may have normally missed thus expanding my points of view for my writing, speaking and personal education.


Twitter Impacts Leadership

Twitter provides an outlet for a leader to share the direction for their organization or company. When those around you follow you on-line you are forced to express your beliefs and desires. Twitter becomes the voice of your brand or even the culture that you desire to cultivate.


So, I invite you to follow me on my favorite media, Twitter. Try it out for yourself but if you aren’t convinced we can still meet up elsewhere…. Facebook, LinkedIn, Google+, Youtube, Pinterest. There are plenty to choose from in our virtual world but I still prefer to meet for a drink and a good ol’ face to face meeting!