Tag: retirement
The Information: Passive Income is Your Only Chance at Happiness
Perhaps the title is slightly over the top, but I’ll explain my reasoning. I am writing this article for one reason: to quickly quote “the information.” Over my years of writing, I have begun to write “the information” as a quick reference to passive income, business, and entrepreneurship. For example, I say things like, “I…
Time is Money #3: Invest by Creating Infinite Returns for the Future
Most of us understand that we should be investing in our futures. The general media teaches us that putting money into a 401K is investing; however, it is more akin to saving. Yes, the money goes into the stock market, but you still “think” like a saver. Today, let’s discuss how to “create” money like…
The $5 per Week Dividend Investor: Time to Get Started
No more excuses. Let’s try something different today. I want to start you off as a dividend investor at the lowest level. Most people believe you need a ton of money to become a dividend investor. This theory is partially true. If you want to retire on dividends alone, you will need millions of dollars—true.…
Generation Quit: Being a Leader in the New Workplace
I’ve been in the military for 24 years and have seen a lot of change. If you consider yourself a leader, you will need to understand the new generation to navigate your team to success effectively. Yes, I used the word leader, not manager or supervisor. Very few consider themselves leaders because it is challenging…
Hustle Culture: How to Replace the Pension and 401K Mindset
The new shift to an entrepreneurial mindset is leaving most people behind. America was once a land of pioneers, innovators, and business people. However, the industrial revolution brought us out of the farms and small towns and into the city. Then, corporations and governments introduced the pension system. The pensions were lavish. Defined benefits, or…
There is No Work-Life Balance Until You Are Wealthy
If you hear a successful person tell you to reduce your grind, take it with a grain of salt. Your chances of becoming successful without grinding are slim-to-none. Why are these successful business people, entrepreneurs, leaders, and content creators telling you to slow down? They say things like “work-life balance” and “mental health” because these…
Envision Your Life Without a Paycheck: Start Building Your Income Today
Boy, does it feel good to get a paycheck, especially when you can spend most of your money on yourself. This fantastic feeling is a trap that takes years or even lifetimes to overcome. Two years ago, I wrote, “How Would Your Life Look Without a Paycheck.” I have spent the last two years asking…
Time is Money #2: Save By Adding Value in the Present
Have you ever wondered why people save money? We all believe we have the answer, but it is still worth a deeper dive. We recently explored debt and how it keeps you focused on the past. Now it’s time to focus on today, which reduces much of our stress. What is saving? Most people think…
You Can Now Skip Car Loan Payments: Don’t Skip Your Car Loan Payments!
I logged in to pay my monthly car payment and received a strange notification. I could now skip my car payment for a $25 fee. The implications of this type of program are far-reaching. In essence, it’s a payday loan. Keep in mind that this came from a Federal Credit Union—the supposed good guys. The…
No Freakin’ Way I Am Working Another 25 Years part 3
Another year, another birthday. I turned 42 less than a week ago, and I feel great! My life couldn’t be any better, even if I tried. I started writing this series in 2021 (part 1, part 2). I had just turned 40 and realized that the American society wanted me to work until age 65.…
Give Your Kids a Different Path: Set Them on the Path to Financial Freedom
The days of working a 40-year career at one job are over. Even if these jobs still existed, is that the life you want for your child? Why are you sending your kids off to college? Do you know how to make money in today’s ever-changing economy? If you don’t understand how to make money,…
Financial Freedom is a Mindset, Not an Account Balance
I didn’t feel financially free when I was $77,000 in debt. I was earning over $100,000 at my day job, but I still felt behind. However, once I started to read articles on passive income, compound interest, and getting out of debt, I immediately knew I would free myself and my family. That was back…
Position Yourself for the Next Bull Market
We are near the bottom of the bear market. Pessimism in the markets peaked, and we can begin to see optimism show its lovely face. But we still have time to make some life-changing moves while prices are excellent and everyone focuses on surviving. To invest wisely during a bear market and recession, we must…
How to Start a Business Cheaply
The future of the economy is unknown. Will we delve into a recession or start the next bull market? We all must lay and wait, but we can take massive action to improve our chances. One way to change our fortunes is to start a business. When people think of business, they think of physical…
Change Your Money Cycle: Your Spending Habits Determine Your Wealth
We hit the jackpot by being born in America. We have the chance to go from broke to rich in one lifetime. Heck, we can achieve incredible wealth in 20 years if we truly try. Unfortunately, most people will never seize this fantastic opportunity. Not because they didn’t work hard but because their money cycle…
Dividend ETFs vs. Index Funds
A few improvements to investing have changed the game for the average middle-class investor. These are fractional shares, zero commission fees, and automated investing. Today, we can invest $5/week into our favorite index funds and dividend ETFs to slowly grow our portfolio. Plus, we can still go all in with $5,000 when we get our…
Middle-Class Investing 111: Middle-Class Investing COMPLETE
The Middle-Class Investing 101 Series was super fun to write and develop. Investing gets a bad reputation among the middle class. People believe investing is about taking all kinds of crazy risks and flying by the seat of your pants. In reality, it is the exact opposite of this scenario. Investing is about creating a…
The Great Family Reset: The Independent Person Experiment Failed
It was an experiment for the ages. The idea was to send a person out of the home at age 18 and see if they could make it in the world. They used words like “be independent,” “go build,” and “become a man” to entice us into the world alone and without resources. A few…
Increase Your Savings Rate: It Determines When You Can Retire
How fast do you want to retire? Do you genuinely want to work until the full retirement age of 66? I know I don’t want to work for another 25 years. But what is the best way to retire early? We all hear terms like Financial Independence Retire Early (or F.I.R.E.), but what does that…
Middle-Class Investing 109: Create a Paycheck with Income Investing
We have finally made it to my favorite type of passive income—income investing. Although we took the long way, it is necessary to understand how we got here. Income investing is not for the faint of heart. That’s why starting with interest from high-yield savings accounts is good, and slowly work your way forward. Welcome…
