Automate saving and investing. When you automate something you make something that is hard for most people easy to accomplish. You learn how to live on less when the money is not in your account. This is due to the money being less accessible and often having to pay penalties to access it. Automate bills.…

I watched a youtube video of a fiancial adviser and she was talking about why she quit the business. Many of her points resounded with why I have been hesitant to jump into it. Here is a summary of some of her points. Advising is selling and confidence sells best. She mentioned that her knowledge…

I am semi-retired. I may have to work sometime in the future again, but not right now. Here are some items on my mind.: Social security. I may be able to get on social security disability to assist with early retirement. We have a doctor’s appointment scheduled for next month. Federal retirement disability. Though this…

This post has been running through my head the last couple of months: Like JL at the time, I have a young daughter. Also like JL, we have money to give us some breathing room. I am leaving my job in a week. 11 years with the federal government has been bitter and sweet. Some…

I was needing some motivation. The transition to this new job has been rough. I came up with the idea of a wooden board with different flags in it. On the y axis would be a number which would represent the amount needed to retire in the corresponding country. This exercise allowed us to select…

I watched a great TED talk by Scott Galloway and something he said was eye opening. I am paraphrasing but he said the bailouts of the great financial crisis and during Covid was a transfer of wealth from the young to the old. His point was that only the old had assets and the stock…

The move and job didn’t turn out as expected. It is a shame and has been demoralizing and tragic. My mental health has suffered greatly. Its a shame being the primary bread winner, moving your family, and it not working out. However, there is a silver lining in that we have money working in the…

I found the above graphic in the wild and thought it was a fairly good prioritization of money priorites. However, I would base the debt on interest rates but most people probably don’t know what their interest rates are on their debt. I really like the FOO by the Money Guys. However, they have caveats…

We were ready for major upheaval of our life. We were welcoming of it. However, my hiring agency has dragged their feet in providing me a firm offer. This could lead to losing our contract on our house and if this happens then we are back to the beginning. We do have an offer from…