8 Financial Tips I Wish I Knew When I Was in My 20’s

8 Financial Tips I Wish I Knew When I Was in My 20’s

My nephew recently started reading this blog and it got me thinking.  What would be valuable information for him as a reader?  What do I wish I knew when I was younger? He’s almost 20 years old and he just started a career in construction probably close to a couple of years ago.  At his age, I know I wasn’t very smart financially.  Don’t get me wrong – I thought I was, but looking back, I made some stupid decisions. So, like any old man, I almost feel obligated to pass along some of the knowledge I wish I knew back then to help him out.  And yeah, 43’s not that old, but I’m not getting any younger! Do you

We Thought We Could Just Pack Up and Go…

We Thought We Could Just Pack Up and Go…

When we first sought out our new adventure, we thought we could basically just pack up and go.  I mean, you just sell everything and move to Panama, right? Ha!  Wishful thinking!  There’s a tremendous amount of planning involved to make this a smooth transition. I’ve talked about some of the minutiae we’ve encountered in our planning, but now it’s time for more scoop. And considering we’re about to embark on a huge adventure, I thought it would make sense to try to update everyone a little more frequently on how things are coming along. Sometimes I get caught up in trying to stick solely to money topics that I forget our readers also want to know what’s actually going

My Credit Score Dropped – Should I Worry?

My Credit Score Dropped – Should I Worry?

Should I be concerned that my credit score dropped recently? I mean, after all, your credit score helps financial institutions define your reliability in the world of finance.  It’s like your report card to see how you’re doing. A great score likely means you’ll get better rates when applying for a loan.  A bad credit score usually equates to a higher rate – if you’re able to get approved at all. I’ve always maintained a good score, even when I was in deep consumer debt back in the college years.  Even though I had a lot of credit card debt, I was still paying at least the minimum every month. Back when balance transfers were big with the credit card

Some Honest Thoughts about Running a Blog

Some Honest Thoughts about Running a Blog

I’ve been running a blog now for almost 4 years and I have a few thoughts on the subject that have been rattling around in my head lately. I probably should be saving this post for my “blogiversary” in a couple of months.  But since this was on my mind, I figured I’d be a rule-breaker… yeah, I’m a rebel like that! Running a blog is a unique endeavor.  Some folks do it as a hobby and some as a business.  Some writers post routinely while others just go with it when they feel like it, which might only be once a month, for instance. What really makes it different though is that it’s generally a long-term game of growth. 

Holy Schnikes! Another Change of Plans for Us!

Holy Schnikes! Another Change of Plans for Us!

Another day, another change of plans!  This slight change is going to add to our already exciting adventure! As most of you already know, we’re moving to Panama this summer.  I retired from my job at the end of 2018 and we’re getting closer to making this happen. In the meantime, we have two reasons we’re waiting so long to leave: We need to wait for our daughter to finish out her school year. We have a vacation planned with Mrs. R2R’s side of the family at the end of July. When we head from Cleveland to South Carolina for the vacation, that’s about it.  Our lease will be done at the apartment and we’ll have our two suitcases each

Finding Balance in Early Retirement with Kids

Finding Balance in Early Retirement with Kids

Finding balance in life is tough.  Between your regular job, chores, time with spouses or people you’re dating, and going out to play with friends and family, time is limited. The fact is that we all only have 24 hours per day… 168 hours each week. Then you throw a kid into the mix… ha!  Good luck!  It’s like a turbulent hurricane of confusion every day.  And the frenzied mess doesn’t scale well either.  With each additional child you have, it gets even more chaotic. So finding balance between everything in life is tough enough, but with kids, you’re almost out of luck until you quit your job or your kids grow up. At least, that’s what I thought.  I