We all have our own approach to saving money and personal finance, but there is one personal finance hack that very few people have embraced. This one idea will blow your mind and fatten your wallet. And best of all, it is so simple to do, it will actually save you time! But are you brave enough to do it?

1. Quick Introduction
• Married with 2 kids
• Day job in Finance for a bank
• Been blogging since 2012
• 3rd FinCon
• Joined BoardingArea.com in May 2016
• Writers – Charlie, Tyler, and Brett
• Motto – “Travel More. Spend Less. Live Better.”
• Favorite programs are Kimpton and Southwest
• Currently have 40+ cards and >2MM rewards points

2. The BEST Personal Finance
Hack That Nobody Does
This one idea will blow your mind, fatten your wallet, and save you time!
But are you brave enough to do it?
Presented by Lee from BaldThoughts.com
Travel More. Spend Less. Live Better.

3. Traditional Frugal Hacks
• Budgeting
• Envelope system
• Packing lunches
• Riding bikes vs. driving
• Buying used vs. new

4. Extreme Frugal Hacks
• Making toothpaste
• Removing bulbs
• DIY haircuts
• Reusing paper towels
• Take cold showers

5. The BEST Financial Hack That Nobody Does

6. Famous Bald People
• Emmitt Smith – Hall of Fame Running Back & Dancing with the Stars
• Dwayne “The Rock” Johnson – WWE Champion & Forbes #1 Paid Actor
• Bruce Willis – OG badass in Die Hard “Yippee ki-yay motherf*cker”
• Michael Jordan – Basketball GOAT; 6 Championships; Owner of Hornets

7. Shaved Heads of FinCon
• Nick Loper – Side Hustle Nation
• Noah Kagan – Sumo.com
• John Schneider – Debt Free Guys
• Chris Ducker – No intro necessary

8. Almost There…
• Joe Saul-Sehy – Stacking Benjamins
• Doug Nordman – The Military Guide
• Tom Drake – Maple Money
• Mike Delgado – Experian

9. Who’s Next?
• Jeff Rose – More $$$ for In-N-Out?
• The Grayson Bell of shaved heads?
• Jim Wang – Wallet Hacks?
• PT Money – BaldCon 2018?

10. Cost of a Hair Cut
• Getting a haircut on a regular basis
can be expensive
• Many salons charge way more!
• Men – once a month
• Women – 3-6 times a year
• This doesn’t include extras

11. But what about the Product?
• Haircuts are just the beginning of the cost
• Combs and Brushes
• Shampoo
• Conditioner
• Curling & Flat Irons
• Spray, Mousse, and Gel
• Blow dryers
• And the list goes on and on…

12. Cost of Razors and Shaving Cream
• Gillette Fusion Power Razor $8
• Refills 8 for $15-20
• Shaving cream $5 a month
• You’re all taken care of for the year for less than $100

13. Shaving vs. Hair – The Money
• Shaving will cost about $100 a year
• Having hair costs you:
• Haircuts $300-500
• Shampoo and product $100-200
• Accessories $100
• Savings of $400-700 a year!

14. How much time?
• Shampoo & conditioner in shower
• Combing & styling your hair
• Driving to/from hairdresser/barber
• Waiting around
• The actual haircut
• Looking in the mirror
• Studies show that 25% of men and 21% of
women take longer than 30 minutes to
get ready in the morning.

15. Time to Shave vs. Hair
• Shaving – face and head about 2 minutes a day = 12 hours a year
• Hair = 48 hours a year
• Shampoo and conditioner – 1-2 minutes
• Drying and combing – 3-5 minutes
• Blow drying – 3-5 minutes
• Driving to haircut – 5-15 minutes
• Waiting around – 5-15 minutes
• Haircut – 15-45 minutes

16. “Bed Head” and Bad Hair Days
• Leave those worries behind when you shave your head

17. Shaving Isn’t For Everyone

18. Are you the next Bald Millionaire?
• Think what you could do with an extra 36
hours every year
• Where would you invest the $400-700 in
annual savings?
• $700 a year in savings invested at 8%
would equal $1,031,735 over the course
of 60 years.

19. The Bald Thoughts
• It is the BEST financial hack that
nobody is doing
• Shaving your head saves you TIME and
MONEY
• Make sure your head is the “right”
shape
• Embrace the baldness! Become
financially successful.

20. Ok, who’s ready?