Retirement

Include Primary Home When Calculating Net Worth Or Not

There’s a perpetual debate raging whether one should include their primary home when calculating net worth or not. I think it’s absolutely fine to include your primary residence as part of your net worth. It’s also fine not to include your home as part of your net worth. You should calculate both because there is

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Move Over FIRE, Welcome DIRE: Delay, Inherit, Retire, Expire

Instead of embracing the FIRE movement for those seeking financial independence, it may be better to embrace the DIRE movement after such a massive bull run since 2009. For the millions of unemployed Americans thanks to the pandemic, the DIRE movement is real. When I first started writing about achieving  financial independence early in 2009,

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Average vs. Recommended Expenditure On Housing, Food, Transportation

From a previous post, we know that the average expenditure by U.S. consumers is huge. This post will look at the recommended expenditure on housing, food, transportation and more. According to the Bureau of Labor Statistics (BLS), the latest data for 2019 shows the average U.S. household spends $63,036 a year and earns $82,852 a

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Retirement Savings By State: Which Region Is Winning?

This article will cover in detail retirement savings by state. The higher the retirement savings by state, perhaps the more attractive the state is to retire in. After all, the states with the highest retirement savings must be doing something right! Folks know I’m biased towards West Coast living due to the weather, diversity, food,

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How To Negotiate A Severance As A High-Performing Employee

Since negotiating my own severance in 2012 at the age of 34, I’ve consulted with several dozen individuals about how to best negotiate a severance as well. In addition, thousands of people have read my bestselling ebook, How To Engineer Your Layoff, and negotiated their own severances as well. This article will talk about how

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