Welcome to Gravy Income.  Here we will talk about personal finances and how to reach long term goals of becoming financial independent.  

Investment Online

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Some things are better waiting for thou; Starbucks doesn’t need to see you every day of the week.  Make it a weekend thing or the dreaded Monday morning before work…. to start your week off write.


15 vs 30 Year Mortgage with Inflation

By Phillip Walters | September 2, 2020

How do you change the oil on a 2013 Toyota Prius

By Phillip Walters | August 31, 2020

Save some money and change your own Oil. Click Here !! TO LEARN HOW.. WATCH THE VIDEO

Refinance Student Loan And Get A Gift Card

By Phillip Walters | August 31, 2020

Get peronalized rates with a easy to fill out protected form.  Compare prequalified rates up to 10 vetted lenders in 2 minutes.  Click Here —> I WANT TO REFINANCE MY STUDENT LOAN AND GET A FREE GIFT CARD….   Credible will take care of you, no hard pull credit’s showing up on your credit score.

Make up to $500 with 1 Click with Robinhood!!

By Phillip Walters | August 30, 2020

With Invite Friends on Robinhood–GET FREE STOCK Robinhood was founded in 2013 and provides great online stock tradding.  When you sign up with   INVITE FRIENDS you will get 1 FREE STOCK!!!!! You will have a chance of getting 1 stock worth as little as $1.00 or up to $500…….. this is all free so…

Best Drone for your money, Holy Stone HS720

By Phillip Walters | August 29, 2020

The HOLY STONE HS720 Foldable GPS Drone with 4KUHD camera has the best bang for the buck we think here at Gravy Income.  Its a Quadcpter with brushless motor, auto return home, follow me, 26 minutes flight time , llong control range and includes a hard carrying case..What more could you ask for under $300……………

Money Savers

By Phillip Walters | November 2, 2019

Looking for ways to save money? look no further, this blog was created for just that reason. Below is companies, sites, products that I use and recommend. Let’s not waste anymore time and get to saving. EARN GIFT CARDS AND CASH Swag bucks: Swagbucks will give you gift cards and cash for shopping, searching the…


By Phillip Walters | November 2, 2019

Looking back on previous years I could kick myself in the butt.  If your thinking about traveling it’s a good idea to use travel reward credit cards.  You can start with the CHASE SAPPHIRE PREFERRED

Dog Breeding For Extra Money

By Phillip Walters | October 19, 2019

How To Become A Dog Breeder

Retire Early with a Roth IRA Conversion Ladder

By Phillip Walters | October 7, 2019

How People Retire Early Did you ever wonder how people really Retire early at age 45, 50, 55. Majority of the time they are F.I savvy. There is many tax advantage ways to save money and plan for your retirement. I only wish some of these lessons were taught to me when i was 18.…

51 Ways to Earn Extra Money Fast | Proven and Tested

By Phillip Walters | January 28, 2018

  51 Ways To Earn Extra Money Fast & Proven You Asked For It. The Top 51 Ways To Earn Extra Money Fast. 1. Drive with Uber and Lyft As a driver with Lyft, You are your own boss. You make your own schedule and work as little or much as you want. How do…


Its never to early or to late to start saving for your future and retirement.  There are many ways to grow your money 10% a year.  10% may not seem like a lot, compounded with time it adds up quick.  Think of a Simple Penny!!  Would you rather have a million dollars or a penny that double everyday for a thirty days.

Watch What Happens To This Penny Over Thirty Days

  1. Day 1 $.01             Day 16 $327.68
  2. Day 2 $.02             Day 17 $655.36
  3. Day 3 $.04             Day 18 $1,310.72
  4. Day 4 $.08             Day 19 $2,621.44
  5. Day 5 $.08             Day 20 $5,242.88
  6. Day 6 $.32             Day 21 $10,485.76
  7. Day 7 $.64             Day 22 $20,971.52
  8. Day 8 $1.28           Day 23 $41,943.04
  9. Day 9 $2.56           Day 24 $83,886.08
  10. Day 10 $5.12         Day 25 $167.772.16
  11. Day 11 $10.24       Day 26 $335,544.32
  12. Day 12 $20.48       Day 27 $671,088.64
  13. Day 13 $40.96       Day 28 $1,32,177.28
  14. Day 14 $81.92       Day 29 $2,694,354.56
  15. Day 15 $163.84     Day 30 $5,368,709.12


These are the effects of compounding, do I have your attention now?



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your spare time.

 A penny saved is a penny earned

It's a timeline expression, meaning money not spent, is money in your pocket!

The little things count a lot when it comes to saving money.  Try packing your lunch for a full month.  You will save money, track your results and compare it to the month before.

Early Morning Coffee

Are you making that stop at the gas station every morning? Picking up that coffee that's already made and only cost $1.35. That's nothing right? Compare to your monthly Mortgage. It's pieces of a penny, .001% to be exact for one coffee a month. Buy a coffee every day of the month and you're looking at 4% of your mortgage literally sipped away. Do this every day of the year and you've lost 40% of a mortgage payment. For you premium coffee drinkers Starbucks or Dunkin' Donuts I don't have to do the math you're washing a whole mortgage payment down the pipes for the year.

This is called The Compound Effect, we all know what we're doing but we never take the time to sit down and compound it together. Read the Book The Compound Effect

by Darren Hardy.  "if you are hungry to be successful, this is it.  The fundamentals of all the success you ever wanted to achieve condensed into one book.  Don't read this; consume it, study it, make it your operation manual for life" says Les Brown, coach and author of Live Your Dreams.  No one wants to get up early and make a pot of coffee these days.   this and you had the time to go in your kitchen and preset your coffee maker for the morning and save yourself some cash. If you don't have a programmable coffeemaker you can pick up a Cheap, Medium, or Top Rated Coffee Maker by clicking these links.

Remember successful people do things that other people don't want to do!

Looking to save Money? Buy used gift cards at a discount price, up to 30% off your local stores. We have the top sites to start saving now.

Want to make extra money online or with odd side jobs? Check out these top articles.

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Financial freedom can be achieved

"Never spend your money before you have earned it"

Thomas Jefferson