Should you pay off your home early?
Home ownership is one of the cornerstones of achieving the American dream. Purchasing a home gives individuals and families to accumulate wealth through equity and...
You can’t win at Capitalism without Capital
There are two groups of people in Capitalism. The feeders The benefactors The first category usually includes the masses. People who don’t bother to learn...
The case for Paying Off Debt
We’ve all known the feeling of having debt. Whether it is student loans, car loans, mortgages or credit cards. Debt is a way of life...
Money lessons From a Gardener
At the risk of sounding overly philosophical, I’d say that gardening has taught me a lot about money and investing. I wasn’t always a gardener....
What is a SPAC or Blank Check Company?
For the average joe investor, there has never been a better time in terms of investing options. Doors reserved for the wealthy few are now...
Mint – The Personal Finance App Everyone needs
Some tools make sticking to a disciplined budget a breeze and Intuit Mint sits on top of that pyramid. I've been a user for over...
My Highly Successful Utility Driven Spending Strategy
We live in a world of extreme price variance in just about anything you purchase. A Casio watch is $20 while a Patek Phillipe could...
Crypto – Currency, Investment or Hot Garbage
Bitcoin – Arguably, the single most talked about instrument in financial markets (and the news) in recent years. There have been conferences, seminars and even...
The Two Strategies Of Attacking Debt
Trying to achieve financial success without paying off debt first is like trying to finish a marathon with a ball and chain. Becoming debt free...
The four financial accounts for success
The number of Americans living paycheck to paycheck was shockingly high prior to the pandemic and the virus would not have been kind to any...
Step 2 – Investing Basics
I define Investing as the process of converting cash into cash flows. If you are new to investing, look for investments that will create cash...
‘The Big Short’ – A Story of Self Serving Interests
Wall St. money managers have shown us time and time again that they are as self serving as they come. We owe it to ourselves...
Net worth basics – Calculating, tracking and growing
They say ‘What doesn’t get measured, doesn’t get done’ and they couldn’t be more right. Your net worth is like the vital sign of your...
Delayed Gratification – The Quintessential quality of the wealthy
“The best thing money can buy is peace of mind, and the way to buy it is to just pay yourself” There are approximately 19...
Steps to a Sound Retirement Plan
It is no secret that the United States is the beacon of capitalism in the world. The country however has several social safety nets it...
Near term financial strategies in a Covid-19 World
To say that COVID-19 has affected our lives and our economy materially would be a massive understatement. It will take the world a few years...
Part 4 – What is keeping you from the american dream – Not using debt to build wealth
In my last post, I had talked about how debt can be a very useful tool to help build real wealth as long as it...
Part 3 – what is keeping you from the american Dream- Using Debt to buy Depreciating assets
US consumers have a debt total of $13.86 Trillion. This includes mortgages, student loans, car loans and credit cards. Now you would expect the average...
Creating a Personal Budget
Nothing can be accomplished without deliberate action. Even to win a lottery, you need to go to a store and buy a ticket. Assuming that...