Measure Your Financial Security By Calculating Your Debt-To-Cash Ratio

67 Comments / Debt / By

The best way to measure your financial security is by calculating your debt-to-cash ratio. Having a lot of debt lowers your financial security, especially when interest rates are high. Whereas having a lot of cash increases your financial security. The lower your debt-to-cash ratio, the strong your financial security and vice versa. Using debt to […]

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It’s Time To Focus On Big City Living Again: The Opportunity Is Huge

105 Comments / Career & Employment, Real Estate / By

If you want to make money post-pandemic, I think you’ve got to focus on big city living again. Big cities are where there will be the most number of job opportunities, entrepreneurial opportunities, investment opportunities and networking opportunities. Further, as companies reduce headcount due to over-hiring, you want to be at the headquarters at big

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What Is Considered Passive Income? Analyzing Stock Sales And Windfalls

38 Comments / Investments, Retirement / By

Generating enough passive income to cover your desired living expenses is the holy grail of personal finance. The problem is, the goal post keeps moving thanks to inflation and life. This post explores what is considered passive income so we can remain disciplined on our journey to financial independence. I’ve been trying to build passive

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Money Scams During COVID-19: Beware Of Desperate Measures

27 Comments / Budgeting & Savings / By

Desperate times often lead to desperate measures. I’ve noticed several money scams during COVID-19 we should all be aware of. If you know of more money scams, please share them in the comments section below. It makes me so mad that there are scammers out there. I’ve been scammed before, and it felt terrible. But

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The Average Net Worth By Age For The Upper Middle Class

178 Comments / Budgeting & Savings / By

This post will look in depth at the average net worth by age for the upper middle class. The upper middle class, aka the mass affluent, is loosely defined as individuals with a net worth or investable assets between $500,000 to $2 million. Investable assets means money outside of your primary residence, which is considered “trapped” and

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How To Get Financial Aid Making Multiple Six Figures A Year

114 Comments / Education, Family Finances / By

Getting financial aid is a common way for students and parents to afford college. This article will share how to get financial aid making multiple six figures a year. That’s right, even if you are making $200,000 – $400,000, you and your children can still get free money for college in the form of grants

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Real Estate Outperformance Examples During A Coronavirus Pandemic

98 Comments / Real Estate / By

In a previous post, I estimated how real estate performs at various levels of a stock market decline. In my opinion, the sweet spot for real estate outperformance is somewhere between a 15% – 25% stock market decline. This post highlights real estate outperformance examples during the pandemic. During such a level of decline, mortgage

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