Ben Sinclair

Hey! I'm Ben. I’m a Christian, husband, father, son, friend, writing a book and also the CTO at Tithe.ly. I'm passionate about finance and technology. These writings are for me, however, maybe they’ll be interesting to others. Thanks for stopping by!
February 3, 2023

On creating a business

Creating a business can sound scary and hard to an individual who has never done it before. As someone who has done it a few times now, I’d love to help expand your thinking. I like to think of a business as creating a solution to a problem. A business can be as simple as one person solving a group of people's problems. Think about wha...
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February 2, 2023

Pay yourself first

A habit that is important to get into is paying yourself first before you pay any of your other bills. Paying yourself first should be under the goal of putting aside money for yourself to increase your wealth, not to be spent on things you want. An emergency fund is a good place to start if you don't have one. From there, you want to ...
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February 1, 2023

Start with an idea and opportunities will likely come

When I was in my early teens, I decided I wanted to learn how to write software code. I didn't have this grand plan of making money or making a career out of this skill. It just interested me, so I pursued it. Looking back 20 years, that decision to start pursuing the idea ended up defining my life up until this point. It resulted in s...
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January 31, 2023

VuePress 2 vs VitePress

I needed to build a simple website for a book I am writing. The book is going to be published on the web (similar to Basecamp's Shape Up) and since it's mainly text content, I decided to go with VuePress 2. After building the site quite easily in VuePress 2, I found out that VitePress existed. After some research, I thought it would be...
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January 31, 2023

Create money out of thin air

What if I told you that you can create money out of thin air? People do it all the time. They create businesses or use their talents and tools around them to make money. When I created the software business that I sold for millions of dollars, I created that money out of thin air. It was my time and intelligence over 7 years that built...
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January 30, 2023

Go over and above

I once had a 12-month contract at the college just before I got married to my wife Jennifer. It's a funny story that I accepted the contract because since my dad and mum never had jobs, I was against getting one myself. When an opportunity opened up for me to work at the college for 12 months for a maternity leave contract, I was again...
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January 29, 2023

Inflation is a hidden tax

If you stop and think about it, with the rise of technology, shouldn’t things be getting cheaper, not more expensive? Take computers for example, although they aren’t getting a lot cheaper, the components inside are far superior each year. If you compare the price to the power inside modern computers, the overall cost is getting cheape...
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January 28, 2023

Focus until you win

I've seen entrepreneurs who have a good go at a business. They are talented, skilled, and on fire and they go at it, hard-core! But after a few bumps in the road, when things aren't going to plan, they give up and move on to the next great idea that'll make them rich. I however think there is power in focusing on something until you wi...
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January 27, 2023

Use what’s in your hand

In my experience, what has been in my hand (an opportunity or a skill) has oftentimes been a useful tool to propel myself forward. An example of this was when I learned how to edit websites. I used what was in my hand to build my own website and create a $10,000 USD a year income. Not bad for a 12-year-old. Fast forward 20 years, and w...
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January 26, 2023

Follow the rules

Integrity is one of the most important things a human should possess. I'm a firm believer in the saying from the Bible "you reap what you sow". This is not only true in giving, but also in your actions. I was talking to a guy the other day and he was tell me about how he has a rental property. When he needs work done on his own house, ...
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January 25, 2023

Spend less than you earn

Budgets, income statements, and profit & loss might sound like scary words but the facts are, if you’re not managing your finances, you have no idea where your money is going. You may think you do, but you don't. Unfortunately, a lot of people spend everything they earn and sometimes more than they earn thanks to credit cards and the l...
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January 24, 2023

Take action and ignore excuses

There are millions of great ideas in the world today. There are many problems that these same ideas could solve. But most of these ideas aren’t acted upon. It’s easy to find an excuse as to why you don't have enough time, talent or money to pursue an idea. If you want to become wealthy and you have an idea that solves a problem that co...
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January 23, 2023

You’re not going to be rich if you only work a job

If you look at all the wealthy people out there today, I'm talking about those with real wealth, most do not work for someone. They have a business or other assets creating an income. A lot of people with jobs look wealthy. They drive nice cars, live in big houses and wear nice clothes. But as the authors of The Millionaire Next Door d...
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January 22, 2023

Educate yourself, especially in finance

I never finished school, in fact I left in grade 7. I completed grade 10 maths and english at an adult community education center. I never went to college. So one might think education isn't important to me? The opposite is true. Education is everything. When I was in my early teens, I educated myself in how to write code and that paid...
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January 21, 2023

You don’t need money to become wealthy

I came from a family with a dad who was an entrepreneur and a mum who was a stay-at-home mum. We didn't have much money and when it did come in, it didn't last long. My family didn't have a strong financial education. I was a poor kid with nothing who then became a self-made millionaire before the age of 30 with the help of my wife Jen...
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January 20, 2023

Tax law can be fun!

When my wife and I sold our business back in 2018, we engaged an expert to ensure we reduced as much tax as we could legally. We didn't go with an accountant but a hard-core tax law firm that charged the big bucks. And you know what, it was worth every cent. They literally saved us close to 7 figures in tax. That to me is an important ...
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January 20, 2023

Do what you love and the money will follow

It has been my experience that money follows someone doing something they love. Another way to put is it doing something they are passionate about. I'm sure the same can be true doing something one doesn't love, but I'm sure the enjoyment factor is much less. The focus is more on the money (end result) than the building (the journey). ...
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January 19, 2023

My experience with financial planners

Financial planners are a great way to organize your life to meet your financial goals. Having a financial planner who has done it all before and has the wisdom and knowledge to help you navigate your unique journey can make a huge difference in your life. Tip #1: Ensure your financial planner has in fact done it all When you interview ...
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January 19, 2023

Managing your finances intelligently

I'm going to be upfront and say that managing your finances takes work and discipline. If you're not willing to put in the time to manage your finances, you might wake up one day and realise that you don't have enough to retire on. Inflation is a good reason to take control of your finances but honestly, finances should be managed no m...
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January 2, 2023

2023, a year to be intentional

Below are some areas I want to be very intentional in throughout 2023. With my faith... I want to grow in my relationship with God and spend time with him daily. I want to be closer to him in a year than I am now. With my wife... I want to prioritise date nights, have getaways without the kids and support her better in parenting and he...
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December 22, 2022

10 years of no social media, kind of

Coming into 2023 marks 10 years of me not being a social media junkie like practically everyone in the world. I don’t have a personal Facebook account, Instagram account and never have I ever downloaded anything else that came after. I’m telling a slight white lie though... although not a regular user, I’ve had some interactions with s...
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December 21, 2022

True forgiveness

I learned recently what true forgiveness was. Forgiveness is totally about the person who is doing the forgiving. Holding onto un-forgiveness is like a rotten apple in a barrel of good apples. Forgiveness is more than you saying you forgive someone. It’s you making a decision to not hold whatever it was they did to you (knowingly or no...
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December 20, 2022

When everything seems worse

Notice that everything seems worse when you’ve had a fight, feel low or sad about something? These are NOT moments to make big decisions. Write it down if that helps and then wait for the feelings to pass. Then relook at the doomsday feeling and you’ll generally find it actually wasn’t that bad, if at all. -Ben
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December 19, 2022

On being kind to yourself

We can be our own biggest critic. I know I am. I was wondering recently whether or not I am giving enough time and attention to my children. Some nights I’m so exhausted that the thought of spending an extra 5 minutes playing before bed is massive. Is it ok to feel that way sometimes? Yes! It’s ok to sometimes be a bit low or not motiv...
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December 18, 2022

How much is enough?

This is an incredibly hard question to answer but a good one to ponder on. When does one have enough? Money, possessions, acquaintances, experiences, and so on. The thought that comes to my mind is what does “more” cost? Time, relationships, money, joy, anxiety, and so on. Does the “thing” outweigh the cost? Those with a longer time pr...
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December 17, 2022

Favorite books as of 2022

Audiobooks and podcasts have been a lifesaver for me as someone who hasn't liked to read text so much in my life. I've managed to consume a lot more content audibly. Below is a list of my favorite books as of 2022. These are books that I felt impacted my thinking and life in some way. Religious • The Bible (NLT) • The Bondage Breaker •...
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December 16, 2022

All fiat money is debt

I’ve been listening to an awesome book called The Creature from Jekyll Island recently and it’s been fascinating learning about the Federal Reserve and related entities. One point I was reminded by the book was that when you take out a loan from the bank, they create the money out of thin air. That’s right, the money didn’t exist. When...
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December 15, 2022

Heart knowledge

The world is full of information. We can learn and become experts at anything we set our minds to. You can have all the head knowledge that you can fit into your brain but it’s through experience where that knowledge is really solidified within us. That’s when it converts to what I call heart knowledge. What we experience and go throug...
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December 14, 2022

Wisdom is applied knowledge

You know the saying “actions speak louder than words”? You might know what to do (knowledge), but do you do (apply) it? -Ben
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December 6, 2022

Giving is a gift

As a Christian, we are required to give. God gave so much to us, how could we not? I gave away something today to a complete stranger and boy did it make me feel good. I struck up a conversation with an older gentleman in line to receive a gift card. I asked him how it worked and he told me if someone spends over a certain amount at th...
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