Making Plans and Achieving Goals

Finances

What To Do If Your 401K Plan Sucks

What To Do If Your 401K Plan Sucks

Not all 401K plans are created equal.  Some are okay or even pretty good while others are downright terrible.  Two years ago mine was one of the worst.  I’m talking about a very limited selection of awful funds with expensive fees.  Everything was “A Share” […]

Don’t Trust The Spreadsheet: How We Paid Off $34K Of Debt In Five Months

Don’t Trust The Spreadsheet: How We Paid Off $34K Of Debt In Five Months

It was August 2013 and we had just got home from an amazing, totally not frugal, honeymoon Maui.  We got all of Theresa’s stuff moved into my apartment and we were officially married.  One of the first things on my to-do list was combining our […]

You Don’t Have To Be Frugal To Be Good With Money

You Don’t Have To Be Frugal To Be Good With Money

A good diet and a good budget are similar.  In order to be in good financial or physical health, you need to budget your dollars/calories.  Another hallmark of both is you have to have some room for fun.  There has to be room for pizza and […]

Why I’m Not Buying The Mutual Fund of The Future

Why I’m Not Buying The Mutual Fund of The Future

Has anyone else heard of the new AI (Artificial Intelligence) Equity Fund ETF AIEQ?  It is a fairly standard actively managed fund trying to beat the market.  What makes this fund so unique is that it is managed not by a person but by a computer. […]

Money Isn’t Evil

Money Isn’t Evil

“Money is the root of all evil.”  This common quote actually comes from the Bible.  1 Timothy 6:10: “For the love of money is the root of all kinds of evil. And some people, craving money, have wandered from the true faith and pierced themselves […]

Talk Money While Dating To Avoid Divorce

Talk Money While Dating To Avoid Divorce

I was a little bit nervous the first time I ever brought it up.  Theresa and I had been dating for about two months and I was fairly certain she was the one.  One thing I knew we needed to discuss however was money.  Money […]

Investing is Scary But You Need to Start Now

Investing is Scary But You Need to Start Now

Stocks, bonds, ETF’s, Mutual Funds, high yield, diversity, portfolio, risk management, bull markets, bear market, management fees, tax loss harvesting, 401k, IRA, Brokerage accounts, and magical unicorns.  Who wouldn’t be freaked out by all that?  Most people grow up knowing about checking and savings accounts. […]

Stop Saying “I Don’t Have Time”

Stop Saying “I Don’t Have Time”

Time is a beautiful thing.  No matter your income, race, or gender we all get the same 24 hours per day.  We may never have income equality but we will always have time equality.  (Unless that cheesy Justin Timberlake movie, In Time, becomes true.)  Which means […]

The Only Job I Ever Loved

The Only Job I Ever Loved

I have had many jobs over my life.  Soccer ref, basketball ref, phone book delivery guy, machine operator, concession stand worker, concession stand manager (look out promotion!), building test equipment for hospitals, designing overhead electrification systems for trains, designing high-speed package handlers, engineering lift assist […]

Cash Budgets Don’t Work

Cash Budgets Don’t Work

A cash budget means that you make all of your purchases with cash and never use a credit card.  This is a method commonly touted by financial gurus such as Dave Ramsey.  He calls it the “envelope system”.  You may have even heard of some […]