M1 Personal Finance Free

M1 Finance Review: The Future Of Personal Finance Is Free

We learned of some game-changing news in the online brokerage industry yesterday. One of the most innovative modern online brokers in the space, M1 Finance, announced they have eliminated all fees for all investors. So I wrote this M1 Finance review to introduce readers to the platform and share my experience so far. This announcement makes M1 […]

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Santa Stocks 2015 Facebook

Santa Claus vs. Warren Buffett – The Final Unwrapping

This is the fifth annual review of Santa’s stock portfolio. Since I started this website in 2013, I’ve been tracking the investment portfolio of Santa Claus, the foremost expert on Christmas and the holiday shopping season. He’s such a prolific investor he even has a stock market rally named after him. Santa’s stock portfolio is a […]

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Question Mark

What If I Don’t Go Back To Work?

Around friends and neighbors, I’m using the phrase “in between jobs” to describe my current employment situation. That’s a convenient euphemism to make it sound less bad. Most people aren’t familiar with my business so they only see a jobless Dad of three kids married to a non-working Mom, dealing with a mortgage and the same […]

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PeerStreet Review: Low-Risk Real Estate Investing

Happy Thanksgiving, everyone! Here’s a review I recently wrote that I haven’t shared with subscribers yet. I’m investing on the PeerStreet platform and really like the user experience and returns so far. It’s similar to Lending Club but for real estate. It’s for accredited investors only at this point so not everyone can invest. But if […]

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Getting Started

If I Were Getting Started With Investing Today, Here’s What I’d Do

Sometimes I assume my blog audience is a bunch of 42-year-old Dads like me balancing work and kids while building income streams. But the emails I get tell a different story. Many readers are beginner investors only recently finding my website and getting started with investing. Some are young. Some are not so young. With all […]

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Debt-Free Retirement

6 Steps To A Debt-Free Retirement

Imagine a life free of obligations to anyone. Sounds great, right? That may never come true when it comes to family, friends, and work life. But you can choose to be free of obligations to banks and lenders by being debt-free. The temptation to borrow is ever-present in our society. Some retirees choose to be […]

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Financial Pitfalls Of Suburban Life

Six years ago, we moved to the suburbs from a one-bedroom condo in a densely populated and walkable area. We wanted more space, risk-free parking, better schools, a yard for kids to play in, and a friendly neighborhood. We got all of those things. But moving to the suburbs came with a bunch of financial […]

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Will You Retire Before A Human Walks On Mars?

Elon Musk and his company SpaceX plan to put a human on Mars by the year 2024. If successful, it will be the most extraordinary accomplishment in the history of the known universe. It will take a team of thousands of scientists tackling complicated engineering tasks that most of us can’t fathom. Each piece of […]

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7 Income Streams I Earn While Unemployed

Of all the financial advice I read and practice, the one nugget that continues to drive my decisions is to build multiple income streams. Having experienced two major economic downturns (2000, 2008) as a salary earner and investor, and watching ordinary people get hit hard by the impact of each, I’ve learned to build moats to […]

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Liberated

My Employer Just Liberated Me From My Job! Now What?

In the intro to a recently published blog post, I mentioned that there’s been some turbulence at my nine-to-five workplace. Funding was tight, but it looked as though I’d survive any downsizing. Well, things got worse. My project was hit hard, and the surrounding projects were hit even harder. I found out two weeks ago […]

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Sept 2017 Received vs. Projected Monthly

5 Investments I Made Last Quarter

The Portfolio page on my blog has been updated as of September 30th, 2017. This page outlines my portfolio of taxable investments and the income generated on a yearly and average monthly basis. Click here to see all previous updates. I’ve tracked my investment income (aka passive income) in my non-retirement accounts on this website since October of 2013. Sharing my passive income […]

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Bureaucrats

Protect Yourself From The Whims Of Politicians

A funny thing about living in the Washington D.C. suburbs is most people don’t talk about politics in person. You’d think since so many residents have careers related to the government and military that neighborhood picnic conversations would be about the latest news from Capitol Hill or Pennsylvania Avenue. Definitely not. Aside from an occasional […]

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10 Life-Altering Money Moves You Can Start Today

Very few decisions during your time on this earth actually change the trajectory of your life. After a party in 2007, I scanned the huge Evite email list to try to find a woman I met there. Then I ‘stalked’ her on Facebook and asked her out. We have three kids together now. Though truly […]

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Why Your 401(k) Is Broken (And How To Fix It)

My 401(k) savings have grown to a plump 6-figure level after 14 years of participating in my employer’s plan. For 13 of those years, it was a very crappy 401(k) plan due to poor fund selection, high expense ratios (fees), and third-party adviser fees. The third party did nothing after 2004. But they still took fees […]

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