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Discover It Miles Credit Card Review: 3% 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 the largest robo-advisor in existence today with over $2 billion in client assets under management. They

Roth IRA vs. Traditional IRA: A Guide for Wise Investor’s

As many long-time readers know, I’ve always been a saver. As a result, I opened my first IRA in college when I had very little earned income. When setting up that first IRA, I began reading about retirement planning. I quickly realized that I had to decide between the Roth IRA versus the Traditional IRA.

Leverage the Roth IRA for Your Child’s College Education

I recently completed a pro-bono financial plan for an individual here in Texas. One of the sections that was covered was education planning. This is very common and most parents (or grandparents) have at least considered setting aside funds to help pay for a child’s (or grandchild’s) education. In the education section of my report,

Republic Wireless Review – Now Offering New Phones

I first reviewed Republic Wireless a year ago when my parents were looking to exit their AT&T family plan. I then wrote about the service again after they updated the firmware and released 2 new phones. To recap: Republic Wireless is an innovative company that I first found while doing research on the cheapest cell phone providers. The founders had