Archive | Personal Finance

Simplify your Finances

The #1 Reason To Simplify Your Finances (And What I’m Doing About It This Year)

My latest article on U.S. News & World Report recommends tips to simplify your finances in retirement. Retirement isn’t the only time to simplify. Anytime is a good time to simplify. But I’m a bad role model for simplifying finances because I’m on the far side of the spectrum with multiple personal investment accounts and bank […]

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Index Fingers

Why Buy Individual Stocks When Index Funds Are All The Rage?

I’ve invested in individual stocks since 1995. That year, my uncle gifted me one share of Chevron stock and I’ve owned it ever since. I now own about 50 individual stocks in my taxable portfolio. I buy individual stocks to build investment income via the dividend growth investing strategy. When I buy dividend stocks, I look for high-quality […]

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Does Growing Up Mean Outgrowing Your Dreams?

Last April on a long solo drive, I listened to the Mad Fientist’s interview with Vicki Robin on the Financial Independence Podcast. Vicki Robin is the co-author of , the book that popularized the term financial independence. The 2018 version includes a foreword by Mr. Money Mustache, who in 2012, wrote about the book causing a […]

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How To Invest Money With Confidence And Competence

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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A Healthy Reminder That Stocks Don’t Always Go Up

Bull markets are glorious because they make just about everyone participating feel like they’re a genius investor. Until the markets reverse and you lose money. Sometimes a lot of money. Then you feel like crap as you watch your net worth plummet. This month we’ve seen some long-awaited volatility return to the stock markets. After […]

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10 Lessons I Learned From 4 Months Of Unemployment

The warning signs grew more obvious over the course of last summer. But I still thought I’d survive the impending funding cuts that my IT project was facing. By the time fall arrived, I had already dodged a few rounds of layoffs. But it wasn’t much longer before my number was up and I was […]

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Are “Smart” Money Moves Preventing Us From Becoming Rich?

Back in January of 2017, most personal finance professionals, advisers, bloggers, and just about anybody willing to give you money advice said to avoid investing in crypto-currencies such as Bitcoin. The price of Bitcoin at the close of 2016 was $963.74 per $1 USD. On the last day of 2017, the price was $14,156.40. That’s […]

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Build Income Streams. Explore The Unusual.

After choosing a domain name and starting my blog back in September of 2013, the software behind the scenes called WordPress asked me to declare a tagline. Unprepared, the first three words that came to mind were Invest. Retire. Travel. Those three words accurately presented the message I wanted to convey to my readers so I went […]

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20 Passive Income Ideas To Consider In 2018

Normal people earn a paycheck and spend most of it every month. Wealthy people invest their money and time into income producing assets and business ideas that make money. What better way to start 2018 than by creating new passive income streams to help free your time and build wealth? To get you motivated, I’ve compiled a […]

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Investing, Blogging, and Nine-To-Fiving – The Year In Review

2017 was an exciting year for me as an investor, blogger, and professional nine-to-fiver. The year started off as expected. But in the last quarter, I was let go from my job putting a halt to most new investments. The extra time has provided the opportunity to focus on my family and to work on […]

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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 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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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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