“I know I need to save more… it’s just that I never have any money left over at the end of the month!” I hear this often. Most people don’t earn enough to save money. Some people are barely scraping by. Life is expensive. The truth is though, we adjust our spending subconsciously all the … Continue reading You’re a Hazard To Your Money
Investing is a topic that confounds many of us. The financial industry has taught us that investing is inherently complex, and we therefore need professionals to handle it for us. But it doesn’t have to be this way! For those pursuing financial independence, almost everything you need to know about low-cost index investing can be … Continue reading Investing Can Be Simple
This is the question that changed everything for me. It’s such a simple question. How many years do you want to work? Most people never think this way. When they do, the popular answers are usually “You work until you are 65” or “You work until you win the lottery”. Why do we spend so much … Continue reading How Long Will You Work?
In our last few posts, we discussed our financial 180, and our strategies for saving money on food, shopping, and monthly recurring bills. So far, we’ve shown how we uncovered $3000 per month, and used that cash flow to douse the fire on our mortgage from hell. But even with these extra principal payments, the mortgage … Continue reading Our Savings Snowball
The world of real estate was a strange place in July of 2007. I think at this point, mortgage lenders had an idea of what was about to go down, but still kept writing as many toxic loans as possible before their inevitable doom. Our first home purchase was one of these loans! As college students … Continue reading How NOT To Buy A House