If You Need Money, You’ll Always Work for Less…

If You Need Money, You'll Always Work for Less...

I’m a big fan of satellite radio.  I’m also a big Howard Stern fan.  Years ago, when Howard went to satellite radio, I bought the lifetime package for Sirius satellite radio for about $400. I definitely got a number of good years out that deal.  Eventually though, Sirius made my life difficult. Back in 2009, I bought a new Chevy Malibu which had XM radio.  As some of you may know, there was a Sirius XM merger years ago so that should be all good, right? Not so much! Apparently, I couldn’t transfer my lifetime Sirius subscription to my car because they’re different systems… sort of. Different???  Why couldn’t they just convert it into a Sirius subscription? Stop it.  You’re asking the obvious, but just know that

It’s Time to Step-Up Your Game!

It's Time to Step-Up Your Game for Retirement!

Hey everyone, it’s time to talk about something that most of us out there know, but not enough of us are talking about.  And with that, I’m referring to retirement savings.  Although this is a site focused on financial freedom and early retirement, the fact is that most of us out there have a slim shot at either one of these. I almost threw up when I learned on The Motley Fool that the average American’s 401(k) balance is $72,383.  And even worse, the median balance is only $18,433!!!  That’s insane! Now, you could look at that and think maybe that’s because new entrants into the workforce are bringing the number down or whatever it is that helps you want to justify this.  However,

Escaping the Hustle-Bustle of the Rat Race with a Walk

Escaping the Hustle-Bustle of the Rat Race with a Walk

Most days while I’m at work, I try to make it a point to get outside for about 10-15 minutes and go for a short walk.  This doesn’t always happen – maybe it’s too busy in the office and, of course, most of the winter is ruled out because I hate the cold. But in the summer, it’s been a great escape.  I just put everything on hold for that very short time and just walk… maybe that’s how smokers feel during a smoke break (I’ve never smoked so I don’t know the “joy” it brings). 🙂 My office is in a suburban area – it’s all businesses on the street where I work, but it’s definitely not a downtown area or anywhere too busy. Here’s

Using a HELOC for Smart Reasons

Using a HELOC for Smart Reasons

A home equity line of credit (HELOC) is an interesting entity.  In essence, it’s a line of credit that a lender gives you using the equity in your home as collateral.  A HELOC is similar to a home equity loan and this sometimes causes confusion with borrowers.  There are a few differences between the two though… Home Equity Line of Credit (HELOC) Does not necessarily advance you all the money at once – you are given a line of credit you can draw from as needed (similar to how a credit card works).  This amount is based on a certain percentage (say 70-80%) of the amount of equity you have in your home – this is known as the loan-to-value (LTV). Possibly does not require a full onsite