Boats traveling in the water.
When you start planning for your retirement, there is one question that you must ask yourself. How much is enough?  You may hear about fancy financial rules that you don’t know much about. One that is constantly discussed is the 4% rule in retirement. The 4% rule is one of the rules of thumb thrown around in the finance world. It is also known as the safe withdrawal rate or […]

What is the 4% Rule in Retirement?

Watch your 401k grow
Quick Answer: A 401K is a retirement savings plan that you can get through your employer or job. The advantage of investing your money into a 401K is that you do not have to pay taxes on the money you put it. You will only pay taxes on your money when you withdraw the money. You can contribute $19,500 per year. There is also an additional catch up contribution for […]

What is a 401(k) Retirement Plan and How Does it Work?

Health Savings Account
Quick Answer: A Health Savings Account or HSA, is a sponsored health plan that you open up at work. The contributions you make are tax-free, and you can invest those contributions. You can only open an HSA if you have a high deductible health plan. You can use those contributions for medical expenses. We all will need medical attention someday, why not pay for that medical attention without getting hammered […]

What Is a Health Savings Account (HSA)?

Reading has been the catapult to my personal growth. It’s where I get the majority of my ideas, philosophy, and motivation. I believe it is imperative for anyone who is chasing success. My Book Per Week Criteria When I started reading, I struggled to complete my reading goals. I wanted to read one book per week, but it just was not getting done. Then, I decided to create a system. […]

How to Read a Book Per Week – My Unbelievably Simple System

    Most people who are just getting started in life think they are going to be millionaires.   According to recent study, 53% of millennial’s were of the utmost confidence they would become millionaires.   Some people may say this is “youthful exuberance”. Millennial’s may think it is easier to become a millionaire than what reality may suggest. They see the success coming from tech tycoons and think they […]

13 Ways to Make a Million Dollars

Everyone is looking for a single investment to get rich quick. Something no one else knows about. The secret to making money in the stock market. The “secret” is simple. When you invest in the stock market, the key is making sure you reduce your risk. How the heck do you do that? By maintaining a simple mindset for every investment you make. It comes down the investment mantra, that […]

The Secret to Making Money in the Stock Market

This post may contain affiliate links. Please read my Disclosure for more details. Let’s face it. If you want to become wealthy there are three things you need to do. Increase your income. Spend less than you make. Track your net worth. These are non-negotiable. These three buckets are what will make you a wealthy person. Almost nothing else actually matters. I have heard every excuse in the book. “I […]

11 Reasons Why I love Personal Capital

I am constantly looking for ways to optimize. This becomes a blessing and a curse for a few reasons. A blessing in the fact that almost everything on this planet interests me. A curse because I can never truly become good at every single one of them. As with everything, my brain begins to associate almost every situation with numbers. This has led me to come up with the best […]

The Amazing Power Of 1%

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    As my wife’s baby bump continues to grow, I have been increasing my research into the unknown world of child development.   Beyond that, I have also been spending a lot of time thinking about saving for college. Many questions come across my mind. The ultimate comes down to this:   What is the best way to save for college?   There are a number of ways you […]

What Everyone Ought to Know About Saving for College

    There’s a new American Dream.   It has nothing to do with owning a house, buying a fancy car, or having a good job.   Instead, we want independence from the corporate environment. A way to escape the rat race and spend our time doing what we want, on our terms.   The dream is to work on projects that you enjoy. Things that are important to you, […]

Here’s a Quick Guide to Financial Independence (In 5 Easy Steps)

If you know anything about personal finance, you know that buying a car is one of the worst investments you can make. A car is what is known as a depreciating asset, which is just a fancy way of saying it’s value goes down instead of up the second you buy it.   Take a brand spanking new BMW X3 for example. You can buy one for $45,000 brand new. […]

How You Can Have A Free Car For Life

    If you want to cut cable and save money, I have put together a list of tools to get started. You can get your copy HERE (Hint; One of these tools will save you over $20 a month).   You don’t have cable?!   You can bet your bottom dollar I don’t, and I couldn’t be happier. I didn’t cut my cable because of need or deprivation, I […]

Get Rid of Cable Once and For All!

    Lately, I have seen a lot of what I call “house shaming” floating around the internet. The battle of buy vs. rent has become ever so heated.   Every news publication is coming out with reasons why you should, or should not buy a house.   Robert Kyosaki, the author of Rich Dad Poor Dad, is famous for saying that your house is not an asset (I will […]

Is Buying a House for Suckers?

    Business is tough.   Running your own business is even harder.   Especially when you are management, sales, and accounting staff all in one.   When you are in the business world, rejection is a part of the territory.   Everyone from Zuckerberg to Buffett have to been rejected.   I have become somewhat of a rejection expert.   That is because I am rejected Every. Single. Day. […]

I Get Rejected Over 50 Times Per Month, Here Is How I Deal With it.

      I hear people complaining that they can’t get ahead.   They want to leave the cubicle for the corner office, but it feels like they will never get there.   They watch others get promoted, while they have been in the same position for the last 5 years.   It’s funny, it’s almost like they are waiting for someone to walk up and hand them a promotion. […]

The Secrets To Getting Really Good At Your Job and Finally Getting That Promotion

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    Have you noticed a trend?   It would be hard to miss if you have ever read a news feed.   Every article is plastered with morning routine advice. That advice is always followed up with wake up early.   What are you supposed to do with that early morning time they say?   Mediate (or just sleep sitting up because it’s 5am).   Journal.   Eat Breakfast. […]

Please Stop Telling Me I Need to Wake Up Early to Be Successful