The Path Is Simple, but It’s Not Necessarily Easy

The Path Is Simple, but It’s Not Necessarily Easy

I’ve been doing a lot of thinking lately… dangerous, right?  Hindsight has me realizing that if you’re hoping to reach financial independence, the path is simple, but it’s not necessarily an easy journey to get there. As I’m typing this, I’m down to four working days until I’m done working at a career I’ve been at for 19½ years – a job I started right after my 24th birthday. At the time, I had just bailed out of retail management.  I was an assistant store manager at Walmart.  I didn’t hate retail, but I didn’t love it either.  It’s a job where you’re needed most at all the worst times – evenings, weekends, and holidays. It was also a job

The 4 Worst Words for Your Financial Future

The 4 Worst Words for Your Financial Future

I’m about to share something important with you.  Four words that might be the worst in the English language and can crush your financial future. We’re all at different points in our financial lives and we all have different goals.  However, I think it’s safe to say that we’re all here for the same reason – we want to be sure that our future is financially stable. In my own life, I started to recognize a common theme that has bitten me quite a number of times over the years. It’s a mindset that I have and didn’t even realize it until recently.  I also think that the majority of people tend to think the same way. So what are

Why Less Is More and Bigger Isn’t Better

Why Less Is More and Bigger Isn’t Better

I’ll leave the “bigger is better” jokes up to you guys.  But, if you’ve been around the personal finance blogosphere long enough, you’re bound to hear things like that or “less is more” or some other variations of the phrase. To me that just seemed obvious – sure, if you want to cut your costs, eliminate your cable or drive a used car and **poof** you’ve saved a few bucks.  Frugality at its best. However, I’ve learned that spending less can actually lead to much bigger savings that I wasn’t even thinking about. Sometimes when you spend less in one area, it has a domino effect in other areas that make the costs even less overall.  And in some cases,

No One’s Asked – Here’s Why You Should…

No One's Asked - Here's Why You Should...

No one’s asked.  Not a one.  Not one single person in my entire office. I’m now just days out from my retirement – December 31, 2018, is my last day of work.  I gave my notice in early summer and we kept it low-key in the office for a little bit while we worked out the game plan. However, I officially made the announcement to my engineers in a meeting on August 13.  And as many of you know, the grapevine in almost every office spreads like wildfire. We have just over 35 people in my office and I think everyone knew the scoop within minutes. That means it’s been well over three months and no one’s asked. Ok, Jim