One of my new year’s resolutions was to drop some weight. This is one of the most common goals that people set out to achieve. In fact, over half of the people reading this have attempted to lose weight in the past year. Unfortunately, 95% of people fail to ever reach their weight loss goals. So how do you do it? How do you lose weight? Well, I’m here to tell you that every one of you reading this already knows how to lose weight. Your problem is probably that you are skipping the most important steps that will allow you to be successful.
Your life will be filled with all kinds of pain. The difference is in the intensity. Since we can’t avoid pain we must embrace pain.
“We must all suffer from one of two pains: the pain of discipline or the pain of regret. The difference is discipline weighs ounces and regret weighs tons” – Jim Rohn Continue reading
When we started this blog last year (2016) I had never heard of FIRE. I actually had to google it to find out it meant Financial Independence / Retire Early. Basically, there is this growing movement of people who are realizing you don’t have to work a 9-5 job your whole life and can go another way. Two people that you have probably heard of are Mr. Money Mustache and Financial Samurai. These two guys have gone about getting out of the rat race very differently but they have both been a huge inspiration for myself.
Taking out a student loan is a sad part of the college experience, these days. The latest numbers for the class of 2016 have just come in and the average graduate owes $37,172. This brings the national total to $1.44 trillion, spread across 44.2 million Americans. Roughly 3 out of every 4 students leave college with some debt. Oh yeah, and these trends are all on the rise as the cost of college keeps skyrocketing. So what should you do with your debt?
For the past 12 weeks, my workouts have consisted of squatting to a max every day and benching to a max every day. This style of training is sometimes referred to as the “Bulgarian Method For Powerlifting”. The idea is that lifting heavy is a skill that needs to be practiced regularly. This is one of the more polarizing strength programs because it appears quite extreme on the surface. Some will tell you that it is a “ticket to the hospital” and others will tell you it is the ticket to world records. I, of course, found things to be a little more in the middle. Video below.
“I’m going to have over ten million dollars by the time I retire!” I heard one of my colleagues proclaiming this to a few others sitting around the lunch table. Myself being the resident money nerd had to walk over to listen. I mean I want ten million dollars too. We work for the same company so whatever he is doing I should be able to copy? He was really excited talking about setting up contributions to a Roth IRA in addition to his 401k and how easy it was all going to be. I listened for awhile without asking any questions but then I simply had to.
Me: Brian (not real name), what kind of rate of return are expecting?
Brian: I am being conservative (literally said this) and using 12% rate of return.
There is no better way to impress a girl than to show her your inhaler collection. Unless you are showing it to her because your face is purple and you aren’t breathing. I kid, I kid. I wanted to write about a personal topic today. Working out with asthma and just in general living with it. Hopefully, we can change some stereotypes and get some practical information.
(Heading out the door…no time!)
Life with a baby sure can be overwhelming. There’s just not enough TIME for everything! I have the same 24 hours I always had before, but it feels so much more precious and stretched thin, now.
I love reading. I read every morning, I listen to audio books in my car and check a few blogs at work. The trap I fall into is reading these fantastic, life changing books only to set them down and move onto to the next one. What good is it to read Think and Grow Rich if you aren’t integrating the concepts into your life? Knowledge alone will do nothing for your success. We need to read less and act more. Continue reading
Cars are like a financial sink hole and can really put a damper on your journey to financial independence. They are expensive, they wear out and they depreciate in value rapidly. People also tend to buy way more car than their budget would allow because the payments are just so reasonable. We bought a new (gently used) car this time last year and paid cash for it which I think everyone should do. However, we are still paying ourselves a car payment every month. Continue reading