how long will your retirement savings last how to not run out of money

How long will your retirement savings last? Wonder no longer…

How long will your retirement savings last?  A question easy to lose sight of.  After all, we are busy climbing the Mount Everest of retirement by earning and saving as much as we can.  All to reach the FI/RE summit. Asking ourselves how long our savings will last is just as important as FI/REing in the first place.  What is the point of it all if we run out of cash and have to go continue reading…

Financial Muse Six Month Blogversary

Financial Muse … Six Month Blogversary

This past week, Financial Muse celebrated its six month blogversary.  And it is hard to believe how fast time has flown by.  At first, blogging can sound like such a lonely activity, but it is actually everything but. I have met many fantastic people from the personal finance community (and even a know-it-all troll).  All of who have taught me so much about themselves and what personal finance means to them (aside from the troll of continue reading…

how I doubled my income in 4 years

How I Doubled My Income In 4 Years

There are two ways to reach your financial goals, no matter what they might be.  Do you want a solid emergency fund?  Max out your retirement accounts?  Invest any disposable income of yours? Any financial goals you have can be reached by either minimizing your expenses or raising your income.  For quicker and even more impactful results, combining both is the golden ticket. Turning 30 a few years back had me reevaluate my career choices. continue reading…

net worth target by age

When can you ditch your 9 – 5? Let’s find out your net worth target by age!

Having a net worth target by age is the kind of right of passage every adult should go through.  Targets, in general, are awesome.  They give you a goal to work for.  Help you stick to your plans over time.  And motivate you to work harder! From one day to the other, you can go from saving just for the sake of it to saving to reach a certain number and goal.  And once you continue reading…

not saved for retirement so far

So you have not saved for retirement so far? Here is how to turn the tide!

Procrastination happens to the best of us.  I personally like to procrastinate when it comes to doing laundry until I’m down to my last shirt.  Sometimes though, procrastination happens with much greater and more important aspects of life.  Such as saving for retirement.  Does that sound like you?  Have you not saved for retirement so far? If this is you, it is time to acknowledge the fact that you did not yet save for retirement continue reading…

5 please to score free books now

Saving Money – Here are five places to score free books!

One of the biggest gifts made to man- & womankind is the knowledge to be found between the pages of a book.  From kids to adults, while on vacation or at home, and no matter if done so often or occasionally, reading is the perfect gateway to knowledge. There is one industry who has managed to make a substantial buck of us bookworms.  Yes, I am looking at you Amazon, Barnes & Noble, and all continue reading…

extra cash with surveys

Can you make extra cash with surveys? You sure can. I just did!

Side hustles are truly the best way to supplement your 9 to 5 income.  All of us have different financial goals.  But no matter what those goals might be, side hustles will get you there faster. A month ago I was wondering whether you and I could make extra cash with surveys.  Are they true money makers or get rich quick schemes?  What better way to find out then put the hypothesis to the test. All continue reading…

tricked into buying more

Surprise! We are all being tricked into buying more than we want!

Have you lately walked into Target, Costco, or really any other store with one item on the list?  How many items did you walk out with?  Odds are, more than the one on the list.  As it turns out, this isn’t your fault at all.  You are being tricked into buying more than you actually want! To make things even worse, we are being tricked into buying more things with more than one tactic.  So continue reading…

screwed up your finances

So you’ve screwed up your finances! Now what?

The personal finance blogosphere appears to have gained some serious traction over the past decade.  Blogs, such as this one, are aiming to help you and all others out there in the internet universe avoid the personal finance pitfalls life has so carefully laid out for us. This help may come in forms of posts about expense tracking and budgeting.  Or about investing in retirement funds at work as well as on your own via continue reading…

Can you guess how much time is wasted on watching TV

Can you guess how much time is wasted on watching TV?

Have you ever gone on vacation or into a weekend with a list of accomplishments all laid out?  I did this past week and, to be completely honest, accomplished close to nothing.  What was the culprit?  TV!  In particular, how much time is wasted on watching TV. The average person watches 15+ hours of TV per week.  And that is regular programming only.  It does not take into account the additional 10+ hours per week continue reading…