Guest Author Interview – Jeanna L. Pryor

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Title: Every Penny Counts: Become A Middle-Income Millionaire

 Genre: Personal Finance/Money Management

 Synopsis: Are you fed up of living paycheck to paycheck? Every Penny Counts shows you how to become debt free and build wealth using the money you make. Middle-income workers make hundreds of thousands of dollars during their working lifetime, but struggle to live day-to-day and retire at near-poverty levels. You don’t have to! You can live the American dream using your take home pay. You don’t have to be rich to become rich. You can live in comfort, buy a home, pay for college, take vacations, and stop robbing Peter to pay Paul. Follow the techniques and principals outlined in Every Penny Counts to begin a chain reaction of financial success.

Jeanna L. Pryor, Author and Financial Coach

CH: Today’s Guest Author is Jeanna L. Pryor. She is a Financial Coach and helps people to become middle-income millionaires. Welcome to my blog, Jeanna.

CH: Please tell us in sentence, why we should read your book.

JLP: Many struggle with getting the most with the money they make, this book tells you how.

CH: Why did you decide to write this book?

 JLP: I began writing the book in 1982 when I began teaching and assisting individuals with their finances, in 2009, I finally put all of my notes together and wrote the book over a two-week period.

CH: Why is it important for middle-income people to have financial freedom?

JLP: It’s important for everyone to achieve financial independence.  The difference between financial freedom and independence is independence is a level of financial security that only the individual can determine.  Freedom is rarely achieved, because laws and needs change.

CH: What is generational wealth? Why is it important to our generation?

JLP: Generational wealth is created when a financial inheritance of assets (money, property, stocks, etc.) are left from one generation to the other.  These assets continue to increase in value and are used as leverage to achieve more wealth.  It’s important because it catapults each generation financially forward to achieve a legacy, create jobs, and more assets.  Great examples of generational wealth are the Hiltons, Kennedy’s, Walton’s, and Rockefeller’s etc..

CH: What is a fiduciary? Are you a fiduciary?

JLP: A fiduciary is a financial advisor that is under law to place their client’s interests above their own when providing financial advice.  This is important because while they could benefit financially and make more money providing a recommendation, if the recommendation is not in the clients’ best interest, they cannot make the recommendation.  Yes, I am a fiduciary.  But more importantly, without the legal requirement to do so, as a person of integrity and moral character, I would not make a recommendation that is not in the best interest of my client.

CH: What type of services does a financial planner provide?

JLP: It depends on their license and competence.  The services could include, financial planning for retirement, college, etc., investment executions, banking, and insurance.

CH: Do you offer sample financial plans?

JLP: Yes

CH: What are ‘penny’ stocks?

JLP: Penny stock is stock that cost less than $5 per share.

CH: Is there a special investment approach that middle income families should use?

JLP: No.  Each investment approach is unique to the individual, their financial goals, the funds they have available to achieve the goal and how much risk they feel comfortable taking. There is no one-size fits all.

CH: Should people use eTrade?

JLP: Self-trade and eTrade platforms are great for individuals that are willing to do their own research and investing.  I recommend self-traders consult with a fee-based financial advisor at least annually to get a comprehensive check-up on how they are progressing with their financial goals.  Making trades is only one component of financial planning and goal setting.

CH: Is financial planning a one-on-one process or do you work with a team of advisors?

JLP: The consultation should be a one-on-one or family process to ensure the individual’s needs are met.  The consultation to create the best financial platform should be a team process.  By this I mean, tax, accountants, banking, legal, etc., experts work with the financial advisor to create the best solution for their client.

CH: What are some of the most important financial resources ordinary people need?

JLP: Like the previous answer, the resources are experts in finance, law, banking, taxes, and accounting for starters.  Each considers the implication each of their expertise can be used to help their client achieve their financial goals.

CH: Realistically, can a middle income person become a millionaire?

JLP: Absolutely.  Most middle-income persons will make over a million dollars during their working lifetime.  The key is having strategies to keep and grow most of what they make.  That’s where their expert financial team can help.

CH: What type of feedback are you receiving from readers of your book?

JLP: Most are surprised at the budget strategy I teach in the book.  Those that have employed it have eliminated their debt in less than three years.  They also share how they became more aware of where they were spending money and how to redirect those funds to achieve the goals they wanted.

CH: How to Find Jeanna L. Pryor:

CH: For my audience, where is your book sold?

JLP: Amazon is the best place to find it.

CH: Any closing remarks?

JLP: Ms. Holloway, thanks for this opportunity to share my thoughts on Every Penny Counts.  The principals taught in the book have been used with great success, since 1982 with my clients and students.  Try them for yourself.

CH: Thank you so much, Jeanna L. Pryor, for taking time out of your very busy writing schedule to join me and my blog followers.  It has been a real pleasure discussing your book with my audience.  And readers, if you’re like me and would enjoy this book.  I suggest you pick up a copy at your earliest convenience. 

Note: Photos/Clip art are compliments of the Internet, Jeanna L. Pryor and Cheryl Holloway.

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On this blog, I “Pay it Forward” to other authors by spotlighting them with a Guest Author Interview. I only ask that they too “Pay It Forward” to any other author.                                              ~ Cheryl Holloway

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2 thoughts on “Guest Author Interview – Jeanna L. Pryor

  1. Gosh I can hardly imagine me being a millionaire, but it sure would be nice. This book gives me incentive to really save on a regular basis. Cheryl, you have such a great variety of topics!

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