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

Early Retirement = Healthier Lifestyle

Early Retirement = Healthier Lifestyle

Living a healthier lifestyle is something we all want.  We know we’ll feel better.  We know we’ll likely live longer.  Heck, we’ll probably even look better! And it’s not like reaching a healthier lifestyle is some complex formula that we just can’t understand.  It’s a simple process and we’re all familiar with the gist of what needs to be done: Eat foods that are better for you Get off your butt and exercise more Drink less beer (it hurts just to say it!) or other alcohol Minimize high stress Get enough sleep each night Unfortunately, for most of us, it just doesn’t happen. Why not?  What’s keeping us from following these simple guidelines? It’s different for all of us, but I

I Just Spent $35 on a Sleeping Pad and Feel Guilty as Shit

I Just Spent $35 on a Sleeping Pad and Feel Guilty as Shit

Well, Amazon Prime Day happened.  I told my wife to stay away from Amazon for the day and not to get sucked in.  I warned her about it.  Unfortunately, nobody warned me and somehow I ended up in the vortex and bought a $35 sleeping pad before the day was over. I debated it while it sat in my cart and the 15-minute countdown clock was ticking away.  I even deleted it out of my cart and re-added it just to restart the clock. I contemplated this for 29 minutes and 56 seconds before I pulled the trigger and made the purchase. Then I just stared at my screen and felt guilty.  In fact, I felt guilty about it for

The HSA Benefits Just Keep Rolling In

The HSA Benefits Just Keep Rolling In

I’ve written about Health Savings Accounts (HSA) before and how they are one the best retirement plans you can get your hands on.  In fact, it might be THE best account out there.  I thought I knew all the HSA benefits I could get out of this account, but in this post, I’ll tell you about a new one I learned about. If you’re not familiar with an HSA, it’s a medical savings account that’s paired with a high-deductible medical plan.  Because you’re on a high-deductible plan, you usually pay less of a premium (the amount a lot of us see taken out of each of our paychecks). What usually gets people started in this is that they can then

The Lazy Man’s Guide to Fitness

The Lazy Man’s Guide to Fitness

I hate exercise and fitness. You know how some people talk about how running or a good workout makes them feel refreshed and invigorated? Well, I’m not that guy.  I despise knowing I have to do it, I hate the actual exercise, and when I’m done, I’m just glad it’s over. If you’re a guy or gal who’s on top of your fitness goals, this post probably isn’t going to be up your alley.   If I hate fitness, why do anything? Well, that’s a weird question.  Even if I hate it, I know enough to know that if don’t do anything, I’ll fall into that cycle of becoming sedentary and feeling like exercise is too tough.  So then I wouldn’t do it and become even more

2017 Personal and Financial Goals

2017 Personal and Financial Goals

Well, it’s 2017, which means it’s time to take stock of how your previous year went, but more importantly, you should set your sights to the future and get your personal and financial goals put in place for the year. Here are my plans for the year… My 2017 Financial Goals   Buy another rental property Buying rental property is an important stream of passive income that I’m working on building.  Currently, we own a couple of rental properties – a single-family house and a duplex.  They’re both filled and the duplex brings in a much better cash flow, but either way, I’m happy with the direction things are going. But now it’s time to expand.  One of my financial goals in the long-run is