A 50-Year Mortgage Is Fantastic For Homeowners And Investors

34 Comments / Mortgages / By

Housing is one of life’s fundamental needs, right up there with food, water, and safety. For decades, though, housing affordability has become increasingly out of reach for the average American. With the median U.S. home price hovering around $440,000 and the median household income roughly $80,000, it’s easy to see why homeownership has become more of a dream […]

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Please Don’t Rent Your Entire Life: Housing Security Is Vital

40 Comments / Real Estate / By

Housing security is something I hope everyone will one day obtain. Once you are house secure, you can more easily focus on your career, family formation, and other things you care about. However, if you rent for life, you may face housing insecurity, which can feel especially uncomfortable when you’re older or no longer willing

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Paying For A Home Inspection Is Worth The Cost, Don’t Skip Out

11 Comments / Real Estate / By

As a buyer and seller of real estate since 2003, I’ve learned that getting a home inspection before each purchase is one of the most important steps in protecting yourself. You want a professional — someone who’s inspected hundreds of homes — to review your potential property for at least an hour before you submit

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FIRE Confessional: No Big Paycheck During a Bull Market Stinks

27 Comments / Investments / By

It’s a raging bull market, and I’ll confess, I’m a little annoyed I don’t have a large paycheck anymore to take advantage of more investment opportunities. Every day, I see people with steady W-2 income are funneling thousands into stocks, real estate, and private deals. Meanwhile, I’m sitting here, asset rich but cash flow constrained.

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Poor Versus Rich Millionaires: Liquidity Is The Difference

60 Comments / Retirement / By

A poor millionaire sounds like an oxymoron, but they definitely exist. Roughly 6% of U.S. households are millionaires, yet many of them still don’t feel rich. A poor millionaire is someone worth over $1 million but unable to access much of their wealth. In other words, their net worth is highly illiquid. A layoff, bear market, or

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The 8 Scariest Financial Situations You Can Find Yourself In

23 Comments / Retirement / By

I love Halloween, especially seeing how much fun the kids have. But for financially aware adults, the real chills don’t come from ghosts or goblins. They come from spreadsheets, surprise bills, and market meltdowns that turn your net worth chart into a horror movie graph. After over three decades of studying, working through, and writing

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How to Endure Suffering to Build Greater Wealth and Resilience

22 Comments / Retirement / By

Despite finally having the permission to live it up in retirement, I still find it hard to spend money on things I don’t truly need. A big part of building wealth has always been about endurance and suffering. The more we can withstand—long hours, delayed gratification, and the occasional investment blowup—the greater our odds of

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Millionaire Early Retirees Probably Shouldn’t Get Healthcare Subsidies

54 Comments / Insurance / By

If healthcare in America weren’t so egregiously expensive, more people would retire earlier and live better, happier lives. We’re one of the few countries in the world where affordable healthcare is tied to employment, making financial independence that much harder to achieve. Given the high cost of coverage, before you decide to retire early by

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