After publishing, Financial Independence: Maybe You Don’t Want It Bad Enough, most of you agreed that paying back your debt is the right thing to do. The post has some tough love because it doesn’t support those who just blame the system or someone else for their problems. We should own up to our financial mistakes. It’s much […]
How To Get Everybody But Yourself To Pay For Your Financial Mistakes Read More »
In my post discussing how managing your family’s money can be a full-time job, I reveal how I didn’t realize my wife’s SEP-IRA account was sitting on 25% cash for who knows how long. With so many accounts to manage, this mistake ended up costing us several thousand dollars in opportunity cost. As a result,
Your Investment Mistake May Actually Be An Investment Win Read More »
The average tax refund is around $3,000 in America according to the IRS for 2025. That’s down 8.5% from the year prior due to Trump’s Tax Cuts And Jobs Act which raised taxes on Middle Class Americans. Since saving, or not spending $154 a month is difficult for many, I’m OK with such a refund.
The Average Tax Refund And What To Do With It Read More »
Workplace bullies are the worst because thy may affect your financial potential. Workplace bullies is part of the reason why I wanted to build as many passive income streams as possible to be free. Bullying at work is as common as bullying in school. It’s just the type of bullying that is different. Seldom are
Workplace Bullies, Comebacks & Fighting Back Read More »
Have you ever heard of a zero percent mortgage? Getting a zero percent is likely impossible, unless we are in a significant deflationary environment. You can have a negative real interest rate mortgage in a high inflationary environment. However, getting to live for free, which is what a zero percent mortage means, is possible. Let
How To Obtain A Zero Percent Mortgage To Live For Free Read More »
Getting rich is about willpower. Without willpower, you will likely never get ahead of the masses. You need willpower, endurance, and grit to get richer than the masses. In the 1960s, Columbia University psychologist Walter Mischel conducted an experiment on children that is now often referred to as The Marshmallow Test. Walter invited various aged
Getting Rich Takes Willpower: Why Give Up When You Can Keep Going? Read More »
After spending years writing a 200+-page bestselling book on how to profitably quit your job with a severance, you’d think I’d have executed everything to perfection. However, let me share some mistakes I made when quitting my job so you don’t do the same. By the time I returned all grizzled and gray, I’d have
Mistakes I Made When Quitting My Job So You Don’t Do The Same Read More »
If you improve productivity it generally means more profit and less time spent working. However, some people take improving productivity too far and end up working all day every day. Since making investment returns might be getting more difficult, it’s good if everybody figures out how to improve productivity. During a downturn, corporations try to squeeze
Five Steps To Improve Productivity: A Quora Case Study Read More »
Are you wondering how often should you rebalance your 401k? The quick answer is at least once a year and at most once a quarter. You want to stay on top of your 401k so its asset allocation doesn’t drift too far from your ideal asset allocation. At the same time, you don’t want to
How Often Should I Rebalance My 401k? Read More »
The marriage penalty tax is discrimination. But given the marriage penalty tax doesn’t hit everybody, there hasn’t been enough uproar to make it go away. Thankfully, the marriage penalty tax has been abolished for 98% of households. In the past, I used to wonder why two individuals with high incomes or two individuals with a
The Marriage Penalty Tax Has Been Abolished, Hooray! Read More »
