Tag: free-pdf-book
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…
Saving for a House Down Payment #4: Couple, Big City
Double the people, double the fun. I’ll admit upfront that this process isn’t going to be fun. For a couple to buy a home in a big city, it will take lots of hard work and dedication. But, as a couple, you have a few things going in your favor, mainly twice as many people…
How to Become a Thought Leader
The term “thought leader” gets tossed around a lot in certain circles. People use it in business, education, and content creation. But what is a thought leader, and how do you become one? I am just starting my journey into thought leadership, and I have been writing for over two years. Yes, it takes a…
Just Rewards: Credit Cards vs. Debit Cards
Today I am going to discuss the ultimate grudge match between credit cards and debit cards. Many people are out to get the best rewards; however, this is a comparison between two mindsets at its core. The credit card camp likes to talk about points for travel and cashback rewards. There are truly some great…
Rental Properties vs. Rental Rooms: Rental Income for the Average Person
If you follow my content, you will know that I am a massive fan of renting rooms. Sharing your living space is the single greatest wealth generator for the average person. However, the average person doesn’t want to live with someone else (even family) or want to take the risk of owning rental properties. To…
Saving for a House Down Payment #3: Couple, Small City
A couple (in a small city) working together to save for a down payment could be the best-case scenario for homeownership. Two heads are better than one, and this situation proves this. The only things that can get in your way are yourselves. I want to review some of the downfalls you may face if…
FIRE Writer: Retire & Write
I never dreamed of becoming a writer. I planned to retire from the military and work another government job. Along the way, I realized that working for someone isn’t always the best solution. One magical day, I read “Rich Dad’s Guide to Investing,” where Robert Kiyosaki said that you could create income-producing assets from your…
Don’t Gamble with Retirement 8
My, how time flies. I can’t believe I opened my website over two years ago. I began publishing books on Amazon in early January 2021. I released the book “Don’t Gamble with Retirement” on February 13, 2021. I say this because it is time to celebrate. My retirement plans (along with my lovely wife’s) are…
What is Quiet Quitting?
We all go through these fantastic journeys when we leave home at 18. We start as young, “green” workers who depend on everyone to help and assist them. Along the way, we gain knowledge and experience, eventually allowing us to become managers and supervisors. Perhaps some of us will become the CEO of the company.…
Investing for Interest 109: Series I vs 30-Year Bonds
Things are looking good for interest rates on a fixed income. The Federal Reserve is raising rates to combat inflation, which makes savers very happy. Don’t get too excited because increasing interest rates will indeed crash the economy. High mortgage rates will slow the housing market, which may cause a full-blown recession. Now, more than…
What is Generational Wealth?
Many people believe that generational wealth is a myth. However, we know that wealthy individuals and families have passed their assets from generation to generation for years. What secrets do the rich have that we are struggling to discover? The key lies in assets and information. You need both to successfully pass along your fortune. …
