There’s No Easy Money

There's No Easy Money

We’ve all seen ’em… the infomercials telling you that YOU can be rich by just following a few simple steps to buying real estate with no money down.  Think of it – none of your money is involved and soon enough you’ll be retired, sitting on the beach with an endless supply of piña coladas being served to you day and night.  Easy money… it’s that simple!! Wait – what?!  Who buys this crap anyway?? I do. Well ok, I did once in my college years. Since I’ve been a kid, I’ve had my mind on money and such a strong desire to be rich that I was a sucker for one of these scams.  Back in those days, I

Why is Financial Independence Such an Uphill Battle?

Why is Financial Independence Such an Uphill Battle?

I spend a lot of my time every day focusing on my path to financial independence.  I have a game plan that I feel even more confident about now that I got a second opinion.  But that doesn’t stop me from looking for ways to expedite the process. I’m constantly educating myself by listening to podcasts relating to personal finance and real estate.  And I’m reading every book I can get my hands on related to those topics as well as closely following a lot of blogs in the FI/RE community. But most importantly, I’m acting on the things I learn that I feel will help in my situation. In a nutshell though, I’ve learned that the path to reaching financial freedom is actually much

The Quest to Trim the Fat and Simplify Life

The Quest to Trim the Fat and Simplify

For most of us in a first-world country, it’s almost natural in an unsettling way for us to accumulate crap. Not only do we have junk we don’t need (although we think we do when we buy it), we also spend money needlessly on things we think will simplify our lives. The problem is that most of the time we buy something – be it a product or a service – with the intent of it making life easier or better, it has the opposite effect. A perfect example are computers.  How many times have you wanted to throw yours out the window because you wasted a bunch of time trying to figure out how to do something on it that you could

My Experience with a Certified Financial Planner

My Experience with a Certified Financial Planner

Recently, I decided that I wanted a second opinion on my game plan.  Although I’m pretty confident on how to make things work, I decided that this is important enough to warrant bringing in someone else to look everything over and give some unbiased input.  So I recently hired a certified financial planner. I thought this would be a great opportunity to take you through the process from start to finish to give you a better idea if this is something that you might want to pursue for yourself.   What is a Certified Financial Planner (CFP)? Anyone can say that they’re a financial planner or financial advisor.  There’s not really a lot of governance on this term.  However, to become a Certified