Tag: free-pdf-book
Over-Employment: Can You Work Two Remote Jobs at Once?
Times are getting tough, and people are becoming desperate. I read an article on Business Insider explaining how people simultaneously hold two remote jobs. I first thought they were working 8-12 hours a day with a job in the morning and night. However, I was wrong because they worked overlapping hours—what a disgrace. However, we…
Bond Investing in Your 30s
I have written many articles covering the special period called your 30s. In every piece, I cite the 30s as the most expensive and stressful time in your life. Retirement Planning in Your 30s Real Estate Investing in Your 30s Staying Debt-Free in Your 30s Dividend Investing in Your 30s Let’s continue the tradition with…
Bond Investing in Your 20s
I spend a lot of time writing about dividends and income investing. However, recently bonds have become attractive because they offer higher yields compared to the last 10-15 years. Now, it’s time to write the companion series to my Dividend Investing at Any Age series (20s, 30s, 40s, 50s, 60s, 70s), this time focusing on…
Financial Independence through Real Estate 4
The real estate market is currently in turmoil as mortgage rates hit over 7%. The times of fast, cheap money are gone, at least for the time being. But real estate is always an excellent investment if you have the right mindset. Real estate is a tricky topic to discuss because many people don’t have…
Investing for Interest 110: Bond Buying is Back Baby!
It’s been an exciting year thus far in 2022. Yes, the market is in full retreat, and we are moving into a downturn and recession. However, this opens up new possibilities for our investment portfolios. With the rise in interest rates comes a chance to obtain high-quality bonds at great prices. Bonds haven’t been this…
Saving for a House Down Payment #6: Family, Big City
If you want to accomplish the most difficult thing in life, try buying a house in a big city while having a family. I cannot think of a more demanding position to be in as an adult. However, we can achieve anything we put our minds toward, so let’s move forward with a positive mindset.…
Saving for a House Down Payment #5: Family, Small City
Did you wait until you were married and had a family before buying a home? Don’t worry; that’s what I did as well. Having a family definitely changes the dynamic of saving for a home, but it gives you two distinct advantages. First, your family gives you the drive and determination to succeed in saving…
Be Extreme Toward Your Dream
I read about passive income while on a trip to Turkey with my wife in 2019. Immediately, I knew I wanted to live overseas while using passive income from royalties, rents, and dividends. I became obsessed with tracking my passive income progress to the point that I thought something was wrong with me. All I…
Quiet Quitting vs. The Great Resignation
Your job is not supposed to fulfill you; I don’t know when this theory became a thing. Yes, you can enter a career field that interests you, but eventually, you’ll have to deal with politics. I joined the Marines in 1999 and loved life as a younger military person. I got to work on the…
Vacation Dividends: Use Dividends to Pay for the Rest of Your Vacations
If you are like most people, you save for your vacations every year. The money you earn is the money you save. You can afford to pay for more elaborate vacations as you make more money from your job. What if I told you someone else could pay for the rest of your vacation? Yes,…
Living on $3,000/month in San Diego, California
The military can assign you any place it has a base. For my current duty station, they placed me back in my hometown, San Diego, California. During the 20 years I was away from San Diego, I fell in love with small towns. My wife and I have built extraordinary lives in cities like Yuma,…
Big Cities Require Big Mindsets
Do you think that you will become rich living in a big city? Do you believe you will be the next enormous success story to come out of San Diego, Los Angeles, Houston, Atlanta, or New York City? The chances are that you will not become rich or become a massive success story. It’s not…
Dividend Growth Investing vs. Bond Growth Investing
The market is moving into a bear market, and the economy is moving into a recession. There is a lot of doom and gloom floating around, but there is a silver lining. There has never been a better time to invest in the last 20 years. Stocks and bonds have been beaten down so severely…
Take Control of Your Financial Destiny: The Magic of Being an Insider
Are you trying to get rich by working a job? How is that working for you? The primary way to get rich by being an employee is time. When exchanging time for money, you don’t have the benefit of using leverage. One hour of your time is worth one hour of salary. So how do…
How to Buy and Track 30-Year Treasury Bonds
I was writing an article about my Recession Investing Plan yesterday and realized how tricky it is to purchase 30-Year Treasury Bonds. I started buying these bonds three years ago and had to learn via trial and error. I haven’t purchased a 30-Year bond in a couple of years because yields have been low. Free…
My Recession Investing Plan
Halloween (and October) is a great time to re-access our spending. It’s good to have a crystal clear picture of our finances going into the New Year. I recently moved from Japan to San Diego, which means that my budget, spending, and saving habits had to change. The impending recession and bear (stock) market add…
Your 401K is NOT Enough
This article will hit some people hard. They led us to believe that our 401Ks were the end-all-be-all for retirement. If we just saved enough in our 401K, plus maybe a small pension and social security, we would be alright until the end of life. Unfortunately, the world changes faster than we do as humans.…
Home Equity Loans vs. Interest Rates
It seems every day I am talking about interest rates increasing. Unfortunately, this is the story of our generation. Most of us have not seen 8-10% inflation and 6-10% mortgage rates. But we are here now and need to take these developments seriously. If we continue to consume and enjoy life at face value, we…
How We Plan to Retire on Dividends 4
Wow, the fourth time’s a charm. There has never been a more critical time to understand who you are as an investor. The bond and stock markets are in turmoil, and your only saving grace is your knowledge and education. We don’t know what the future holds for our economy, but we must still allocate…
Bond Growth Investing: Bonds to the Rescue
Why should dividends have all of the fun inside of your growth investing portfolios? Is there a way to mirror dividend growth in our bond portfolios? The answer is yes and no. However, bonds can be a great addition to anyone’s passive income and growth portfolios, but they take a little more education than DGI…
