Why Do We Buy Crap??

Why Do We Buy Crap??

Sometimes I can’t help but shake my head that we as a society feel compelled to buy crap just because we feel we “need” it. There are millions of people here in the U.S. that, although not by choice, manage to live on $2 a day.  But when it comes to the middle class, even with increasing salaries, most families buy and buy and still feel like they need more stuff. Why? Why do people love to waste their hard-earned money on crap? I’m not above this, but I think I’ve changed tremendously over the past decade.  I’ve really become much better at just living more simply. When I was working during my college years, I was a spender.  I’ve talked about how I

Should You Buy Disability Insurance?

Should You Buy Disability Insurance?

When I used to think about disability insurance, it used to be a “yeah, yeah…” subject for me.  In fact, if you asked me a year ago if I should buy disability insurance, I would have told you that I was already covered. Here’s the problem… I’m really not. I’ll talk about the “why not” part shortly, but first, let’s dig into what disability insurance is all about…   What is disability insurance? Disability insurance is intended to help cover you in the event that something happens to you rendering you unable to work (partially or fully). This could be some kind of accident or a sickness that makes it so you can’t perform your regular job duties. And, if you can’t work, you’d

Protecting Your Assets

Protecting Your Assets

So, you’re going down the right path on the road to financial freedom slowly but surely, but you want to make sure that you’re protecting your assets in the meantime?  Well, hopefully, this post will help you with some ideas! I’ve noticed that as I’ve started to build up my assets, my needs have started to morph as well. I now have rental properties, multiple LLCs, and growing and expanding savings, investment, and retirement accounts.  And, as the accounts continue to grow, a lot of the money is starting to work more for me instead of the other way around. But, I now have a lot more to lose than when I first started down this journey.  Making sure that I don’t

The Importance of Estate Planning

The Importance of Estate Planning

Raise your hand if you’re planning on living forever?  I know I am, but I have a bad feeling that my odds aren’t real good on this one.  If you have any loved ones such as a spouse or especially any children, this post is very important. First of all, let’s start this article by stating that I am by no means an attorney of any sort.  I’ll be discussing what my wife and I have personally put into place and what I know about the area of estate planning. However, this is not something that you should take lightly and you should contact an attorney that specializes in this area to determine what would be best for your interests. Most of you reading