retirement account in disguise

HSA – The Retirement Account In Disguise

Soon enough, it will be that time of the year again.  No, I am not talking about Christmas.  The jolly “old” man will be headed our way soon enough in a few months from now. Until then, most employers will enter into “open enrollment period”.  And us employees will have the change to either re-confirm or change our insurance plan and benefits. So this is the perfect time to talk about THE retirement account in disguise! continue reading…

stopped buying water

I stopped buying water and it has been the best breakup!

A few months ago, I was hit by what I have started to call the “bottled water trifecta”.  What on earth am I talking about?  Let me explain. 1. I was lugging home a twelve pack of water bottles.  And the entire pack felt as heavy as a ton of bricks, which put me in an incredibly awesome mood.  (*dripping with sarcasm*) 2. That same afternoon, I stumbled upon a YouTube video outlining what would continue reading…

dry cleaners are cleaning out your bank account

Saving Money – dry cleaners are cleaning out your bank account

Finding areas where you can save can be tough.  After all, who wants to cut out expenses that make our life happier such as dining out.  Same goes for things that make our life easier like our cars. What if, though, some conveniences are actually unnecessary expense drains in disguise.  Those of which keep you from paying off your debt, saving money for emergencies, and investing for retirement. One of those convenient money suckers is dry continue reading…

why comparing prices is crucial

Saving Money – why comparing prices is crucial for your wallet and flowing locks

Hands up … who wants to leap vs. stroll toward achieving their financial goals?  Two concepts have been proven to make that happen.  For one by increasing your income (check out my side hustle experiment) and secondly by decreasing your expenses by saving money.  This is why comparing prices is crucial! Now I could write a bunch of paragraphs telling you how important it is to save money.  No need for that because you already continue reading…

how much money you need to retire comfortably

The 4% Rule: The opening bid of how much money you need to retire comfortably!

The 4% rule has been a tried and true rule within the early retirement community for some years now.  It might be known to you as the Safe Withdrawal Rate or simply SWR.  If it is not known to you quite yet, let’s define it before we dive further into this opening bid of how much money you need to retire comfortably! The Safe Withdrawal Rate is the % of your investments available to you continue reading…

Achieving Financial Independence - Prank or Reality

Achieving Financial Independence … prank or reality?

It’s confession time!  The first time I read about the concept of achieving financial independence, I thought it was some April Fools prank.  Retirement only happened at 65, right?  The thought was too intriguing however to not dig into further.  After all, traveling the world why I can still move all four of my limbs properly sounded very enticing. What became obvious very quickly was that I am not alone on my newfound journey to continue reading…

05242017-The Top 10 Ways to Spend Your Money Wisely in the Summer

The Top 10 Ways to Spend Your Money Wisely in the Summer

Summer is one of the best times of the year.  School is out, vacations are marked on the calendar, and temperatures are slowly heating up just in time for some beach fun 🙂  Setting aside all the fun stuff (for a brief moment only), summer can also turn into one of the more expensive times of the year.  So today I have 10 ways for you to spend your money wisely in the summer.  All continue reading…

How to set up an online brokerage account

Part 3 – How to Set Up an Online Brokerage Account

Over the past few years, I have had many conversations with friends and family about retirement goals and dreams.  This included talks about their strategies as to how they planned on making it to the finish line.  401(k)s and other employer-sponsored retirement vehicles were mentioned frequently.  But what appeared to be missing more often than not was the online brokerage account.  I myself embarked on this particular adventure myself and there’s nothing better than sharing.  continue reading…

Saving Money - smoking can cost you $1.5 million of your retirement savings

Saving Money – smoking can cost you $1.5 million of your retirement savings

I think it is time to have the talk.  Nope, not the talk you have with your partner about spending money on stupid stuff.  Not the talk you have with your kids about going out and being stupid with their friends.  I mean the talk about one of your spendier habits.  Did you know that smoking can cost you $1.5 million of your retirement savings?  No, well let’s dive into the details then. Smoking is continue reading…

How not contributing to your 401k in your 20s can cost you One Million Dollars

How not contributing to your 401k in your 20s can cost you One Million Dollars!

I have been known to talk quite a bit about the importance of retirement on this blog.  Why is that … because it is just simply that -> ridiculously important!  Zinger, I know.  Well, true to fashion, I will continue talking about it in this post.  Possibly until I am blue in the face.  Let’s dive right into it since one thought in particular has been swirling around in my head all day long.  How continue reading…