Tag: kindle unlimited
The 4% Rule vs. Dividends
Typically, people want to avoid getting into the weeds of investing. The 401K program promotes this behavior by allowing people to “save” for retirement. Within a 401K program, the fund manager will collect your money and invest it into various asset classes. Most people choose target date funds as their vehicle of choice when saving.…
Create Content Daily 2: The Magic of Compounding Creativity
I’ve been creating content daily for over 2.5 years, which has changed my life. I cannot remember a time when I woke up and didn’t write something. Creating something every day expands your mind into realms you could not have imagined. Your brain wants to create; the universe designed it to create. Modern education slowly…
The Bear Market is Your Friend
Can a bear market be your friend and help you grow your wealth? It sure can if you know how to thrive during a downturn. A stock market drop of 30% or more often leads to a recession. Many people will continue to live as normal and suffer long-term consequences. Others will panic and be…
Live Your Best Life with Dividends
Do you ever dream of living a rich lifestyle? Do you want to maneuver through life without worrying about money? Anyone can achieve these dreams, but we must change our world view. You don’t reach complete financial freedom while working a job. The truth is that freedom comes when other things perform the work for…
Homeschooling vs. Real Estate Prices
One of the primary reasons people select their homes is because of the school districts. Unfortunately, most homeowners and investors leverage this dynamic to increase prices in neighborhoods with good schools. But what if you decided to homeschool your children? Could you afford more homes farther away from the city center? Today, I want to…
Saving & Investing with $200 a Month Available
Congratulations on having $200/month to save and invest—it’s a big deal. Yes, I am being serious. I remember a time (not too long ago) when I finished each month in the red. I created this series to give you ideas on how and where to save and invest your money as you build your financial…
Credit Card Users Beware: Companies Are Becoming Sneakier Than Ever
Wow, I never thought credit card companies could become sneakier than before. I had two credit card “issues” within the same month that were eye-opening. Today, I want to review these two incidents and give you a fair warning about the current situation. The incoming recession will see consumers cutting back on spending, but credit…
Using Credit Cards 104: Experts Using Leverage
Today we will get to the fun part of using credit cards. You only become an expert credit card user after you have mastered the game of money and finances. We will review what mastering the game means and how we can all get on track to reach this fantastic accomplishment. Welcome back to the…
Using Credit Cards 103: Advanced Cleaning Up Their Debt
To be honest, most people will never reach the advanced stage of using credit cards. This is the point where you absolutely hate credit card debt. People who reach this stage usually have had to crawl their way out from under debt. It’s not fun giving up your short-term future and fun to pay for…
Using Credit Cards 102: Intermediates Growing Their Lives
You are about to enter the most expensive time of your life. Between the age of 25-45, you will be responsible for buying a home, having children, and saving for retirement. It is a near-impossible task to make it out of this timeframe without debt. However, if we set a high enough goal, we will…
Using Credit Cards 101: Beginners Building Credit
I remember getting my first credit card at age 22. I knew nothing of credit cards, but they were an excellent way to purchase things online. The year was 2005, and Amazon was becoming a big deal for online shopping. I stayed on top of my credit card for many years until I got married…
Renting Rooms vs. Friendships
Renting rooms is the number one way for the average person to get ahead financially. It requires very little investment, and the returns are infinite. However, renting a room to a stranger can be intimidating. There are many unanswered questions until you physically live with someone. What if you knew your prospective roommate? What if…
Inflation Ate My Paycheck 109: How to Beat Insane Gas Prices
I just paid $6.30 per gallon to fill up my car in California. That’s almost $7 per gallon just for the luxury of driving to work. I’ve been warning of a new financial crisis, and we are seeing evidence of it now. Welcome back to the Inflaton Ate My Paycheck series (101, 102, 103, 104,…
What is Your Dream Retirement?
Times are getting tough, so it’s the season for some daydreaming. The only way to stay motivated through this impending recession is to focus on the outcomes. Your dream retirement is a vital part of keeping you on the path. Now, more than ever, people will attempt to get you off your purpose. So let’s…
Home Maintenance Budget vs. Emergency Fund
Owning a home is very expensive. I should know because I own three homes (along with my wife). As a homeowner, you must always prepare for the worst. It is also essential to plan for the unknown as an average person. We can achieve some form of security by building an emergency fund. Along the…
Are You Ready to Become a Landlord?
Everyone wants to earn that sweet rental income, but no one wants to be a landlord. There are many ways to achieve this, like Real Estate Investment Trusts, but why not become a landlord? Becoming a landlord has its own challenges; however, you will learn a lot about people and human nature. If you stick…
Self-Storage vs. A Recession
Have you noticed how many self-storage buildings there are in your immediate area? Why is self-storage so popular all of a sudden? The simple truth is that people love stuff. As homeownership becomes more challenging, people hold onto their things while renting. We are entering a recession, which brings up a great question. Can you…
Trade School vs. College vs. The Military
This article brings me back many years to when I was in high school. I graduated high school in 1999 and went directly into the military. I am still in the Marines Corps, and now my son is in high school. The roles of these different education opportunities have changed considerably. Before, a college education…
High-Yield Savings vs CD Ladders vs Series I Bonds
We know saving AND investing are vital to our family’s and finances’ long-term health. However, most of us will start on the savings side. As savers, we have more tools at our disposal than ever, and navigating the sea of options may be challenging. Luckily, I am here to put three solid strategies to the…
Renting Rooms vs. A Recession
I have been preaching about the incredible benefits of renting rooms for over two years. And I will continue to beat the drum until a few people begin to take notice. There is simply no better way to become wealthy for the average person. The return on investment for renting rooms is infinite, which means…
