Tag: free-pdf-book
Saving for a House Down Payment #2: Single Person, Big City
So you want to buy a home in a massive city like San Diego, Houston, or Seattle? Well, it will take a fantastic amount of hard work, dedication, and grinding on your part. Are you ready to do whatever it takes (legally) to get a small starter home or condo in your city? I hope…
Bonds 4 Life: I’m Buying 30-Year Treasury Bonds at 4%
It’s been a while since 30-year Treasury Bonds have appealed to the investor inside me. When I started investing in 2019, I was getting 30-year bonds at around 3.3%. It turns out that those were the peak rates for the next three years. Rates slowly decreased and then jumped off the ledge during the pandemic. …
Roth IRAs vs. HSAs
As we grow older, lowering our tax burden becomes a more significant part of our lives. Our income should increase every year, and if we don’t take the necessary steps, so will our taxes. Roth Individual Retirement Accounts, or Roth IRAs, allow us to invest after-tax monies and keep all the principles and gains growing…
Love Calls: How to Thrive in a Long Distance Relationship
I’ve been married for 16 years; of those, I have been away for eight. It’s part of military life but part of everyday life for most people outside of America. Being with your family is a gift most people do not truly appreciate. In most third-world countries, men can’t earn enough in their local setting.…
The Magic of Compounding
Compounding is the most powerful force in the universe and one we all can use to our advantage. Of course, you have to understand it to achieve the best results. It’s been about a year and a half since my last article on the power of compounding. Since then, I have gone on to appreciate…
Retire Rich, Retire Comfortable with a Business 4
The world as we know it is changing. We are transitioning from the industrial revolution 9-to-5 mindset to a creativity & production-based society. Soon, going to work and sitting in your cubicle will no longer net you a paycheck. You’ll have to produce an innovative product for your bosses to review—and it must add value…
The Dividend Debit Card 2
My Dividend Debit Card has been popping off recently. I am getting close to $200/month on my Cash App Debit card—which I refer to as my Dividend Debit Card. More importantly, my wife has a Dividend Debit Card, and she loves getting her fresh cash flow monthly. It’s a great system and puts your money…
The Maintenance of a Great Life #1: Relationships
What does it mean to have a great life? It seems most people see the pictures and videos of social media influencers and believe that’s real life. However, most people don’t know how to obtain and, more importantly, maintain a wonderfully fulfilling life. What is maintenance? In the Naval Aviation community, there’s a saying, “It…
The Magic of Talking to Yourself
I think I have always talked to myself; however, now it’s a full-blown “thing.” I was looking through the refrigerator yesterday and talking near my wife. I was going on about reducing my sugar intake, and she asked what I said. I replied that I was talking to myself. She said she noticed I talk…
Passive Income for Everyone!
Life is good! Life is even better when you have multiple streams of passive income replenishing your bank accounts. So, what is passive income, and how do you get started? I’m glad you asked. Passive income is what separates the rich from the poor. However, you don’t need much passive income to change your life…
The Magic of Remote Work
Commuting to work every day sucks. I should know; I have done it every day in the military for the last 23 years. However, there are some good things about going into the office. You get to make friends and see people’s faces. You also can gather energy and motivation as a team to complete…
Don’t Fumble the Bag
Life presents us with a plethora (many) opportunities to change the course of our current direction. If you jump on these chances and convert them into investments, you will move along a path of abundance. Some people call this luck; however, you’ll need the education to recognize an opportunity and take advantage of it. Overcoming…
Saving for a House Down Payment #1: Single Person, Small City
I want to congratulate you on two things: being single and living in a small city. This combination of events puts you in the best position to save for a home. Welcome to the Saving for a House Down Payments series, where we will formulate a path to homeownership. Getting serious. As a young single…
Successful People Need the Most Help
Life is challenging when you figure out how to become successful. As you grind your way into oblivion, everyone expects you to be perfect along the way. Discipline is key to successful relationships and financial independence. Discipline; some people have it, but most don’t. But success in the world comes at a cost—your sanity. As…
The Emotional Roller Coaster of Debt
I thought I had it all figured out ten years ago. I had 13 years in the Marine Corps under my belt, and I was looking towards the rank of Master Sergeant (E-8). I looked at the pay chart for E-9s over 20 years of service, and the money looked great. If I could reach…
The Magic of a Sales Funnel
You just started a food truck business, so how do you get people to buy your product? Welcome to the magical worlds of sales funnels. Every business has a sales funnel to convert a “stranger” into a “customer.” They then want that customer to become a repeat buyer and spread the news via word-of-mouth advertising. …
Start a Tutoring Business towards Passive Income
The education system sucks! Why beat around the bush—let’s call a spade a spade. However, there is no one to blame for the results of the public system. Rarely can you adopt a system to train people en masse. Every one of us learns a different way, and we need more focus on how to…
Should You Trade on Margin?
No. Why put yourself, your family, and your portfolio at risk? Margin can amplify gains, but it tends to magnify losses. Today, let’s discuss the disadvantages of margin, safer ways to trade, and ways to invest by taking loans against your assets. What is margin trading? Margin is a loan against your assets. Depending on…
The Sharing Economy vs. Inflation
How are we supposed to survive during inflationary times? The price of everything is going up, and our paychecks aren’t rising with these costs. What do we do? Fret not; the world has solved this problem already. That is if you are willing to share. If we can overcome our brainwashing and individualism, we can…
Home Cash: House Hacking vs Online Business
Do you need more cash flowing through your household? Cash flow is the heart of any relationship and home; therefore, we must make growing our income a top priority? We have many options to increase our income, but we also want to keep our time. Time is the most valuable resource on Earth, so delivering…
