Bringing the Fun Back to the Workplace

Bringing the Fun Back to the Workplace

This post is a lot different from the regular ones you’re used to with me.  I recently had a moment of reflection and wanted to share it with you… I continue to read everything I can get my hands on to help expand my knowledge and better both my life and that of my family.  I’m currently reading Dale Carnegie’s How to Win Friends & Influence People.  Yes, it’s a classic and I should have read it years ago, but I’m only now getting around to it and so far I’m realizing just why this book is so timeless. But anyway, one of several things that I’ve gotten out of the book is the reminder to be a happier person.  Other people enjoy

Downsize My House to Quit My Job Sooner?

Downsize My House to Quit My Job Sooner?

My wife and I are very happy with our neighborhood – we like where we live, we like our neighbors, and the schools are good. But I recently had a thought… the only thing holding me back from reaching FI (financial independence) is the dollars owed on my mortgage.  Granted, I’ll reach FI before the mortgage is completely paid off, but for my plan to work, those extra payments for a couple of years will make things a little tight.  So, here was my thought… What if I downsize my home? Look, a lot of the average Joes out there would look at me in absolute horror for even thinking such a thing. They would probably say “you’re too young to consider downsizing!”

Budgeting vs. Paying Yourself First

Budgeting vs. Paying Yourself First

There are a lot of personal finance sites on the Internet.  Although there are really only a handful of real topics out there (i.e. spending, saving, investing, taxes, etc.), what helps attract readers is the author’s take on the various subjects. One thing I noticed on most of my cohort sites out there is the focus on budgeting.  So here’s a unique perspective… I’ve never budgeted. That’s right.  I’m probably in the minority, but I’ve never set a budget for any of my finances.  I’ve never set aside money for groceries or even really looked at how much we spend on them.  Are we blowing too much on entertainment every year?  Don’t know. And I’m so meticulous about entering every single

Timing the Market – A Smart Move?

Timing the Market

There’s been something that’s been eating at me for a couple of months now.  The stock market seems too bloated right now and I’m thinking about moving my money out of it. No, no – I’m not trying to be the guy timing the market.  I just think I should move the money in my 401(k) to cash for a little bit and when the market crashes, I’ll be able to buy again at much lower prices.  My 401(k) would be worth so much money after that! Oh, wait… I guess that’s exactly what timing the market is. Timing the Market If you’re familiar with that expression, you probably also know that market timing is a gamble that very few people