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    Viewing category: Debt

    Is it Smart to Use a Home Equity Loan to Invest?

    By Retire Before Dad

    Mortgage interest rates are still hovering near all-time low levels after a few rate decreases from the Federal Reserve. The big banks are eager to lend money, but they’ve raised their lending standards since the banking crisis of 2007-2009.  After a period of real estate appreciation like we’ve seen over the past decade, home equity…

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    Filed Under: Debt, Investing, Lending, Real Estate, Stocks Tagged With: debt-free, net worth

    6 Things I Love About Debt

    By Retire Before Dad

    Debt is the boogie man of personal finance.  It doesn’t get much love from most bloggers, probably because most people do stupid things with debt instead of smart things.  High-interest credit card debt is foolish. Payday loans are ludicrous.  But a mortgage is a solid financial tool if you’re prepared to buy a home and…

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    Filed Under: Debt, Personal Finance

    7 Strategic Ways to Lower Your Mortgage Payment

    By Retire Before Dad

    Now that we’ve sold the condo and the mortgage is gone, we’re down to one debt in our family, our primary mortgage. What irks me about owning a home with a mortgage is that I need to have a full-time job to cover the payment. No duh, right? That’s a typical situation. But I look…

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    Filed Under: Debt, Real Estate

    Never Regret a Paid Off Debt

    By Retire Before Dad

    Over the years, I’ve been indebted numerous times for one reason or another — mostly car loans and a few mortgages, but a few personal loans too. After college, my parents lent me $5,500 to buy a used Mazda. The interest rate was better than a traditional car loan, so I was grateful to take…

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    Filed Under: Debt Tagged With: rockstar finance

    Eliminate Car Payments from Your Life (and Never Go Back)

    By Retire Before Dad

    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 U.S. consumers. But they don’t have to be, and shouldn’t be even with low interest rates. Because they crush your monthly cash…

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    Filed Under: Debt, Family, Personal Finance Tagged With: debt-free

    Steak Dinner for Vegans

    By Retire Before Dad

    One of my new favorite podcasts is the Animal Spirits Podcast hosted by bloggers Michael Batnick and Ben Carlson of Ritholtz Wealth Management. These guys are prolific writers and tweeters who often poke fun at investment pundits and fund managers who try to predict future market returns. Turn on CNBC and there’s always someone who claims to know…

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    Filed Under: Debt, Investing, Personal Finance, Unusual

    Living Paycheck To Paycheck? Here’s How to Break the Cycle

    By Retire Before Dad

    Are you living paycheck to paycheck? If your monthly budget is tight already, the 2020 recession and subsequent fallout are going to make matters worse. Now is the time to break the paycheck to paycheck cycle and start building wealth. For years, I’ve assumed most of my readers don’t live month to month. But according…

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    Filed Under: Debt, Personal Finance

    7 Smart Money Habits To Build Long-Term Wealth

    By Retire Before Dad

    If you enjoy this article, please consider liking us on Facebook: Most of us aren’t looking for extravagant wealth. We simply want sustainable and long-lasting wealth that provides financial security for our families and enough money to fund the lifestyle we desire. That kind of wealth is more attainable than most people think. But there…

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    Filed Under: Career, Debt, Investing, Stocks

    A Three-Pronged Approach To Funding Your Child’s College Education

    By Retire Before Dad

    About twelve years ago before starting a family, I met up with an old college friend for happy hour at a bar in Washington D.C. called The Big Hunt. I remember the booth, nachos, and the conversation like it was not so long ago. My friend was a new Dad. He told me about the college…

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    Filed Under: College Savings, Debt, Family, Personal Finance, Tax Advantaged

    How To Invest Money With Confidence And Competence

    By Retire Before Dad

    A few readers recently expressed a lack of confidence in their investing. They are uncomfortable with where their money is and unsure how to make changes. I sensed some fear because of the recent downturn, maybe for good reason. So today’s post is about how to invest money more confidently by increasing your financial security…

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    Filed Under: Debt, Investing, Personal Finance, Stocks

    6 Steps to a Debt-Free Retirement

    By Retire Before Dad

    This article was originally published on US News & World Report and republished here with permission. Head over to the “Featured on” page for a list of other RBD articles on US New & World Report and featured around the web.  Imagine a life free of obligations to anyone. Sounds great, right? That may never come…

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    Filed Under: College Savings, Debt, Featured, Personal Finance

    10 Life-Altering Money Moves You Can Start Today

    By Retire Before Dad

    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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    Filed Under: Debt, Investing, Personal Finance, Stocks, Tax Advantaged

    Are Extra Mortgage Payments Smart When Interest Rates are Low?

    By Retire Before Dad

    If you own a home, you might be contemplating how extra mortgage payments may or may not fit into your overall financial plan. As is with all personal finance choices, your mortgage payment strategy is personal based on many factors. You don’t find many people who paid off their mortgages and regret the paid off debt….

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    Filed Under: Debt, Personal Finance, Real Estate

    The More You Own, The More It Weighs You Down

    By Retire Before Dad

    This money post references Sunday’s Game of Thrones Season 7, Episode 4. You don’t need to be a viewer to appreciate the personal finance lesson. However, if you aren’t caught up on your episodes and want to stay in the dark, this is your spoiler alert.   Season 7 of Game of Thrones is here…

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    Filed Under: Debt, Personal Finance, Real Estate Tagged With: minimalism

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    We have made every effort to ensure that all information on this website has been tested for accuracy. We make no guarantees regarding the results that you will see from using the information provided on the website. We are individual investors, not financial advisors, tax professionals or investment professionals. All information on the site is provided for entertainment and informational purposes only and should not be considered advice. Do not make investment decisions based on the information provided on this website. This website may discuss topics related to finance and investing. This information is not advice and should not be treated as financial and investing advice. The information provided on this websites is provided “as is” without any representations or warranties, express or implied. The website makes no representations or warranties in relation to the financial and investing information on the website. You must not rely on the information on the website as an alternative to advice from a certified public accountant or licensed financial planner. There is no accountant-client relationship created from the publication of financial or investing information on the website. You should never delay seeking financial advice, disregard financial advice, or discontinue professional financial services as a result of any information provided on the website.
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