Financial Independence Now Podcast
Hosted by Randy Luebke
EP 0005. The Three States of Money
Do you remember back in high school when you were taught that all matter in the universe exists in only three different states: solid, liquid, or as a gas. Also, while all matter must exist in one of the states, matter can only exist in one state at a time. Meaning, it’s either a solid, liquid, or a gas, but it can never be in more than one. Did you know that money has similar qualities? Money also exists in just three states, and money can only exist in one of these states at a time as well.
In this episode of Financial Independence Now, you will learn all about the three states of money. You will learn what each state means and how understanding this principle will help you to be a better steward of your money.
Topics Discussed:
- What the three states of money are and why understanding this principle is so important to you and your financial well-being.
- Why spending has an associated “Rate of Return”.
- Why you cannot avoid being a lender.
- Why depositing money in a bank CD is not a form of “investing” your money

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