Is Moving Worth It To Achieve Financial Independence?

Does it make sense to move somewhere cheap to achieve financial independence sooner? It’s a topic we talk about sometimes in our household. If we could lower our housing costs by moving, we could retire much sooner than our plan. We’re in a middle stage of life with three young kids, a minivan, and a mortgage and in […]

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Eliminate Car Payments From Your Life (And Never Go Back)

If you want to get serious about taking control of your financial life so you can build wealth, it’s time to eliminate car payments. Car payments are a persistent nag on the lives of many U.S. consumers. But they don’t have to be, and shouldn’t be even with super-low interest rates. Because they crush your monthly […]

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9 Stocks I Bought (And Sold) Last Quarter

The Portfolio page on my blog has been updated as of September 30th, 2016. This page outlines my portfolio of taxable investments and the income generated on a yearly and average monthly basis. Click here to access all previous portfolio updates. I track my stock purchases and investment income (aka passive income) publicly as opposed to net worth. I still track my net […]

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List Of Debt-Free S&P 500 Companies

  How much debt is on the balance sheet? That’s one of the first questions I answer when I’m evaluating a stock. Companies borrow money for a myriad of reasons including to launch business lines, fund acquisitions, fund operations, and sometimes to fund distributions to shareholders. Smart MBAs sit in office suites and perform elaborate spreadsheet […]

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LendingRobot Review Feature

LendingRobot Review – Automate Your Peer Loan Investing

The following article is a comprehensive LendingRobot Review. My goal is to provide potential users an authentic review of the website by sharing my experience over the past year. To invest with LendingRobot, you first need to open an investing account with a peer to peer lending site such as Lending Club, Prosper or Funding Circle.  I […]

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The Nude Selfie Of Personal Finance

The signs in the gym locker room are clear: Picture taking in the men’s room is strictly prohibited. Please inform the front desk of violations. Yet every once in a while, some beefcake dude will stand there in front of the locker room mirror, whip out his phone, and snap a selfie. I sort of get it. […]

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Should I Refinance My Mortgage Again?

I’ve owned real estate for almost ten years. Over that period I’ve refinanced my rental property twice and our primary residence once so far. I’ve been thinking, should I refinance my mortgage again? Refinancing is a hassle. But it has saved me tens of thousands of dollars over the years. That’s why I deem it one […]

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Not Everybody’s A Spreadsheet Wizard

Ever since I was a young boy, I’ve played the gridded sheet. From Lotus down to Excel, I know all embedded cheats. But I ain’t seen nothing like him, in any corporate suite… That deaf, dumb and blind kid sure types a mean spreadsheet! * Many RBD readers have an obsession with spreadsheets, often creating ridiculous ones at the office […]

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There’s Always Money In The Banana Stand

Arrested Development was an early 2000’s TV comedy loved by its fans. Despite critical acclaim, it failed to gain traction and the show was canceled after three seasons. Years later it was revamped as a Netflix series thanks to the enduring hilarity of the first three seasons and its grassroots fan base. Challenged with cast schedules, the […]

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June 2016 Received vs Projected Monthly

10 Stocks I Bought Last Quarter

The Portfolio page on my blog has been updated as of June 30th, 2016 with the latest 10 stocks I’ve recently bought. This page outlines my portfolio of taxable investments and the income generated on a yearly and average monthly basis. Click here to access all previous portfolio updates. If you’re a first-time reader, I track my […]

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Revolt Against Fees!

Last week I received bad news about a dividend reinvestment plan (DRIP) that I’ve invested in for the past two-plus years. Procter & Gamble (PG), the consumer products giant and popular Dividend Aristocrat, switched its stock transfer agent and raised fees. DRIP fees are the enemy of dividend growth investors. Those of us that track […]

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Productivity Paradox

The Productivity Paradox Of Parenthood

We have three kids under age five. People cringe when I say that. Faced with the huge responsibility of raising children, you’d think that parents would be completely unproductive outside of parenting. Instead, many Moms and Dads consider themselves more productive after having a few kids. It’s kind of a productivity paradox for parenting. When I meet […]

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Cash Flow Suffering? Change Shit Up!

Cash flow is the all-powerful financial tool. With it, you build wealth. Without it, you tread water. Maybe you consider yourself better than average with money. You take pride in elaborate spreadsheets you created while pretending to do work at your 9-5. At times, you’ve skipped meals for the sole purpose of saving money. You […]

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The 25 10 Cent Child Labor Experiment

Note: Increasing pay to $.25 so he has a bigger stash when he actually gets to spend it. Thanks to reader Scott for the suggestion. Our four-year-old son loves to help. Whether he’s fetching a fresh diaper for his little sister, making coffee with the Keurig,or mixing ingredients in a baking bowl, he has this […]

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Daughter buy stocks 600 midq

If My 2 1/2 Year-Old Daughter Could Buy Stocks

This post is the second part of a three-part series. If My 2 1/2 Year-Old Son Could Buy Stocks was penned about 19 months ago when my boy was cracking us up every day with his love for doors, train cars, elevators, and socks. Now it’s my first daughter‘s turn. We describe her as bossy, […]

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