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How Much Money Do You Need to Save for Retirement?

I commonly receive reader questions related to retirement planning. Sure, everyone knows that they need to be saving for retirement. But most people don’t know how much they need to save, or how to invest their savings, or how to effectively spend the assets that they previously worked hard to accumulate. This is an important topic

Market Timing is Almost Always a Losing Game

Buy low, and sell high. Rinse and repeat. Just like stock picking, it’s so easy a caveman could do it. Market timing seems rather simple at surface level. Just figure out how to determine when stocks or bonds or any asset is priced improperly, and then figure out when exactly things will correct to “proper” price levels. With

Discover It Card Review – Awesome New Promotion for Double Cash Back

I wouldn’t normally write back-to-back credit card reviews, but I think this offer is big enough to warrant the additional post. Discover just announced that the original Discover It Card is now included in the double cash back promotion I mentioned in the Discover Miles Review. All cash back earned in the first 12 months of

Discover It Miles Credit Card Review: Cash Back All Year

We’ve previously written about the original Discover It credit card here. Vanessa and I continue to use that card for the 5% rotating cash back, Discover Deals portal, free FICO score, and the other numerous features. It has been an excellent credit card over the last 4 years. Discover recently rolled out another card called

Do You Think About Financial Freedom?

Do you have any long term financial goals that motivate you? Anything that gets you out of bed each morning and into your corporate cubicle? I’ve found that when I ask this question in real life, I’m often met with one of two answers. A blank stare “I’m saving for retirement” A blank stare is

How to Start a Successful Blog and Make Money

Vanessa and I started this blog more than 2 years ago. Since that time, we have learned a lot about the process of writing, growing an audience, and internet marketing. This post will attempt to convey some of the lessons learned and hopefully will help someone else get started in the process. This post will be a

Stock Picking is Almost Always a Losing Game

I wish fewer people would talk about investing. Fewer “personal finance” bloggers, fewer pundits on TV, and fewer lay people over lunch breaks. I can’t turn on the TV without hearing something about the intraday movement of the stock market, and it’s nearly that bad on the internet. If someone isn’t flat-out telling you to buy Google

Is a Budget Necessary for Financial Success?

Budgeting is a touchy topic. Some households worship a good budget. Others throw out budgeting altogether. There is nothing wrong with either camp. Budgeting is primarily a matter of personal preference. From my perspective, It seems like the entire budgeting process can be boiled down to some variety of the following: 1) True, Hardcore Budgeting In my mind,

19 Reasons Why We Still Drive a 19 Year Old Car

Many readers know that we decided to sell Vanessa’s white Toyota Camry when we got married to pay off debts. We decided at that time to share a car – The Green Machine (as seen below) – which has resulted in minimal auto expenses. Sharing a car won’t work for everyone, but it is a great way to

Wealthfront Review: Automated, Low-Cost Investing

This year I am considering opening up another new IRA account at one of the “robo-advisors” that continue to grow and expand. I’ve already written about my experience with Betterment, but I haven’t yet discussed Wealthfront as an option. Wealthfront is one the largest robo-advisor in existence today with over $2.1 billion in client assets under management.