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    Viewing category: Investing

    Living Off Dividends: It Works, We’re Doing it Right Now

    By Craig Stephens

    My Uncle gifted me one share of Chevron stock in 1995, seeding my lifelong dividend stock investment portfolio. But I didn’t start living off dividends until I left my IT career in 2022.  There were no online brokers or index ETFs making it easy to start investing in 1995. Trades cost $30+. IRAs and mutual…

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    Filed Under: Investing, Personal Finance, Stocks

    More Powerful than Financial Advice

    By Craig Stephens

    Financial advice can be free (google it) or expensive (hire an advisor). But financial advice tends to be tactical — buy this investment, optimize that tax advantage — instead of behavioral — think this way, stick to the plan, and be patient Success in building wealth is less about how much you know (or can…

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    Filed Under: Investing, Personal Finance, Unusual

    12 Ways to Improve Your Finances in 2023

    By Craig Stephens

    Happy New Year! The turning of the new year brings two things to mind for a lot of us: Whoa, I spent too much money last month/year How can I improve my finances this year? I’m not a big fan of new years resolutions (most don’t stick). But I believe in habitual change — deciding…

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

    4 High-Yield Alternatives to Savings Accounts

    By Craig Stephens

    Inflation is eating away at our wealth quarter-by-quarter. It appears to have peaked in May 2022, thanks to the Federal Reserve’s aggressive rate increases. But the chart below shows how the products we consume have recently become more expensive. Source: https://tradingeconomics.com/united-states/inflation-cpi The Federal Reserve is mandated to target 2% annual inflation as measured by the…

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    Filed Under: Investing, Personal Finance, Real Estate

    12 Diabetes Stocks Improving Lives and Investor Returns

    By Craig Stephens

    November is American Diabetes Awareness Month. To raise awareness, I’m highlighting 12 diabetes stocks helping to make the lives of people with diabetes more normal.  Parents of kids with Type 1 Diabetes laugh that it starts the day after Halloween.  My 10-year-old son was diagnosed in September 2021.  Type 1 Diabetes is an autoimmune disorder…

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    Filed Under: Investing, Stocks

    Personal Basic Income: How to Create a Perpetual Paycheck

    By Craig Stephens

    Maybe you’ve heard of universal basic income (UBI).  UBI is a type of social program administered by governments to provide basic income for citizens — ideally, enough money to cover basic expenses or meet poverty level income.  Universal basic income became a popular topic in the political discussion during the 2020 U.S. presidential election, promoted…

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    Filed Under: Investing, Personal Finance

    7 Streams of Income Beyond a Salary

    By Craig Stephens

    Doing taxes is never fun. But each year, I find that our income has become more diversified than the previous. We now earn more than 7 streams of income — not counting my salary. A salary is great if you don’t mind full-time work. But it can become an unhealthy addiction. You can break the…

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    Filed Under: Entrepreneurship, Investing, Personal Finance, Real Estate, Stocks, Tax Advantaged

    Time, Not Trades

    By Craig Stephens

    A young reader reached out to me about how investing and finance are underserved topics in high school. He was eager to share that he earned 20%+ returns from day trading in just a few months because he’s spent a lot of time learning how to invest and perfecting his trading strategy.  Day trading returns…

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    Filed Under: Entrepreneurship, Investing, Personal Finance

    Yieldstreet Review 2023: Diversified Alternatives for Passive Income

    By Craig Stephens

    This Yieldstreet review was updated on 01/02/2023 Yieldstreet empowers ordinary investors to diversify into high-yielding asset classes once reserved for the wealthy and institutional investors.  Marine finance, commercial real estate, legal finance, supply chain finance, and private business credit aren’t new types of investments, but they are relatively new to retail investors.  Yieldstreet’s team has…

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    Filed Under: Investing, Real Estate, Reviews

    Four Fintech Obituaries

    By Craig Stephens

    I’ve come across hundreds of fintech startups and financial products over the years blogging.  Founders and CEOs pitch me over email and in person at conferences. Marketing firms looking to drum up exposure for their clients email me constantly, hoping for a guest post or mention on RBD.  I decline most pitches and never hear about…

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    Filed Under: Entrepreneurship, Investing, IPOs, Personal Finance, Real Estate, Stocks, Unusual

    Here’s How I’m Investing Each Month

    By Craig Stephens

    I’ve maintained a long-term buy-and-hold investing strategy since about 1995. The month-to-month details have changed quite a lot over the years, but the basic principles are mostly the same: Invest first, spend second Max out tax-advantaged accounts first Invest in taxable accounts second Keep transaction costs and stock sales to a minimum Diversify income streams…

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    Filed Under: Investing, Personal Finance, Real Estate, Stocks, Tax Advantaged

    How to Prepare for the Next Crisis While Times are Good

    By Craig Stephens

    Crises come around every so often — personal crises, family crises, national crises, political crises, market crises, and global. The events are often predictable, but their timing is not.  Scientists predicted a virus such as COVID-19 could infect humans and cause severe health and economic consequences.  But no one knew the specific date, where it…

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    Filed Under: Investing, Personal Finance, Real Estate, Stocks Tagged With: Favorites

    Single-Income Lifestyle, Multiple-Income Life

    By Craig Stephens

    I spent 2008 getting to know my future spouse.  In the late summer, we had a pragmatic discussion about how each of us wanted our futures to look. There was a lot of overlap, which was a relief at that point in our relationship.   The future Mrs. RBD earned a Master’s degree and had a…

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    Filed Under: Entrepreneurship, Family, Investing, Personal Finance, Real Estate, Stocks

    Invest in Your Best Vision for Our Future

    By Craig Stephens

    Over the winter, I had a large maple tree cut down in my backyard to make room for a shed.  The cleanup required several multi-hour sessions of chopping and stacking firewood. Podcasts helped to pass the time.  I’ve listened to the Rule Breaker Investing podcast for a few years, but not as often since the…

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    Filed Under: Investing, Personal Finance, Stocks

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