Money values: Debt is counterproductive

5 Mar

       It was unseasonably warm on that early December afternoon in 1993.  Our 40 or so guests were crammed in the backyard of our family friend’s house where brisket and beans were served.  Jennifer and I were so busy with guests, pictures, and a ”Money Dance”, we didn’t have a chance to taste the home cooked meal prepared for us […]

Retire Before You Are Dead

24 Feb

    Retire early. Expenses are the enemy, keep them close, and kill them before they have children. Take back your time, it’s what you really want. Invest in high yielding opportunities; think rentals, notes, REIT’s, tax liens. Retire debt for good.  Choose to not play anymore. Evaluate every financial transaction. Is there a substitute? Be […]

Do This, Not That; Retire Early

19 Feb

          Remember; pay off that debt, save and invest the rest, and join us on the other side and retire before you are dead.      

17 ways my family saved $5,409.93 this last year

7 Feb

   17 ways my family saved $5,409.93 this last year     1.  Split my Netflix account with an extended family member.  Instead of a $7.99 per month two streaming device plan, we signed up for the four device plan and split the $12 price tag.  Instead of $7.99, now I pay $6. Annual Savings […]

How living on less than $3K a month led to my early retirement

31 Jan

    How living on less than $3K a month led to my early retirement Jennifer and I retired together at 37 (we are now 39). We did not inherit money from wealthy family members nor hit the lottery. We made very wise decisions during our 20 years of marriage. One of the underlying keys that […]

Compound Interest; Ride the wave, or be the wave

28 Jan

    “Compound interest is the eighth wonder of the world. He who understands it, earns it … he who doesn’t … pays it.”   Breaking down one of my favorite quotes from Albert Einstein, we can see a clear separation between two very different types of individuals. Those that understand the power of compound interest […]

Over Insured Society

5 Jan

 Over Insured Society In order to become financially independent and retire early, we must look at all of our expenses and optimize them to the fullest.  Insurance is no exception. The first insurance contracts can be traced back to early Chinese and Babylonian merchants who would spread the risk of a total loss of wares by spreading […]

Washing Money

29 Dec

 Washing  Money My friend (no real name given to protect the victim) let’s call her Anne, recently purchased a new LG front loading washer and dryer after her 15-year-old washing machine failed.  $2,092.07 later, Home Depot delivered and hauled off the old working dryer and broke washing machine.  Prior to this purchase, I pled with Anne to […]

Run The Numbers

22 Dec

  What are the impacts of the choices you are making, specifically the financial choices?  Or are you just going through life not thinking about them. Did you understand the interest on that 30 year mortgage is 3 times more than the amount you borrowed when you signed your closing documents?  Could you have re-positioned […]

Fuck the Joneses

16 Dec

  Let me save you some time,  as time is our most precious asset. Someone will always have more money than you.  They will master a bigger pay check with more vacation time allowed than you do.   They will visit beaches and sip fufu drinks while watching sunsets that you didn’t get to enjoy.  Someone will always have a nicer car than you do.  They will  possess the latest widget4  just as you post to Facebook that you just bought the widget3.  As a matter of  fact, that  ’SUPERIOR’ package of  785 TV channel subscription waste of  life you just purchased, […]