Will You Be Part of the 1% to Be Financially Independent by 50?

Will You Be Part of the 1% to Be Financially Independent by 50?

If you’re not familiar with Paula Pant from Afford Anything, you should take the time to check out her site… especially her podcasts, which are fantastic. I’m usually a little behind on my podcast rotation, but I just listened to another good one recently that fascinated me.  Clark Howard was her guest in #47: How to Stop Being Your Own Worst Enemy. I’ve always enjoyed Clark Howard – I’m not sure if it’s how down-to-earth he is for a guy who reached financial independence at 31 or just how happy the guy always seems to be. Either way, my wife and I used to really enjoy watching his show that was on HLN a number of years ago. What really stood out to me

$1 Million Net Worth… Now What?

$1 Million Net Worth… Now What?

Yup, you read that correctly… we now have a net worth of just over $1 million. I logged into Quicken today, updated all my accounts, and was excited to see this: Holy schnikes, a million dollar net worth!  It seems so surreal to think that we’ve reached such a big milestone. I’m really proud of how far we’ve come in our journey to financial independence. By keeping our expenses low, saving and investing as much as we can, and creating additional wealth through side hustles and real estate, we’ve really made some major strides in our financial future. Initially, we cut back on just a few things and saved the difference.  But over time, we’ve found that as we eliminate a lot of the

You’re the Average of the Five People You Spend Most of Your Time With

You’re the Average of the Five People You Spend Most of Your Time With

Jim Rohn, businessman and motivator, once said, “You’re the average of the five people you spend most of your time with.” It’s something that actually makes a lot of sense since those are the people who influence you the most.  It also might make you a little uncomfortable if your friends aren’t the most motivated people. Most likely, you enjoy your time with your friends (they are your friends after all!) and wouldn’t want to think that they might be holding you back in some way. However, not all friends help push you down the right track in life.  This isn’t because they’re bad people, but maybe they’re not motivated to do something great or take control of their finances and lives.  It’s time to determine if you should

I Had to Fire an Employee Today

I Had to Fire an Employee Today

I had to fire an employee today. I’ve let a number of people go over the years and it’s never something anyone enjoys… not me as the manager and certainly not the employee. But, it had to be done.  His performance was definitely sub-par and it was affecting relationships with customers and hurting morale with good employees. Here’s the thing, though – it doesn’t matter. It doesn’t matter that it went as good as it could go.  It doesn’t matter that he knew it was coming.  It doesn’t matter that we gave him a decent severance. Unless you’re made of stone, it’s just horrible to have to sit down with a good person, completely disrupt their life, and cause them some amount of

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

Long-Term Food Storage Needs to be Part of Your Plan

Long-Term Food Storage Needs to be Part of Your Plan

Disclosure: This post contains affiliate links and we may receive a referral fee (at no extra cost to you) if you sign up or purchase products or services mentioned.Why in the world are you finding a post on long-term food storage on a blog that focuses on finances?  Isn’t this a topic you would only find on the survival sites out there? Possibly, but I want to shake things up a bit. And here’s why: planning for your financial future should take into consideration the pitfalls of life that can hit you at any time… and that includes the possibility of running into a situation where food and water become a lot more scarce.   So, what is long-term food storage? The whole