“Little Things Make Big Things Happen.” — John Wooden Atomic Planks may not sound inspirational at first, but the concept behind them absolutely is. It’s all about changing yourself for the better—just 1% at a time. Atomic Planks is meant…
Welcome to the Inspiration side of this site. I shared the short version of my story in the ABOUT section. I am 58 years old so there are a lot of stories to my life but this story is THE…
One of the biggest financial decisions most people make is where they will live. Should you rent, or should you buy a home? Both renting and buying have advantages and disadvantages that will impact your life, lifestyle, and financial future.…
Introduction Living paycheck to paycheck is a stressful reality for many people. In fact, far too many people face this situation today, which is one of the reasons I started this blog. One of the main goals of this site…
Introduction Dividend stocks are a type of equity investment that can provide investors with a steady stream of income. These stocks are issued by companies that regularly share a portion of their earnings with shareholders in the form of dividends.…
Building a good credit history has been discussed at Starting Early: Why Financial Habits Matter, but what is a credit score, why is it important and what can you do to improve it. What Is a Credit Score? According to…
When you’re young, it’s easy to think of retirement as something far off in the distant future. However, the truth is, that the earlier you start saving for retirement, the better off you’ll be in the long run and starting…
One of the main reasons I launched this site is because I’ve seen so many people make poor financial decisions, often struggling to live comfortably—let alone retire with peace of mind. I firmly believe we cannot rely on Social Security…
If I could go back and do things differently, one of my first wealth-building moves would have been to purchase a duplex. It’s one of the smartest ways to step into real estate ownership while also setting yourself up for…
Why Budgeting Matters Budgeting is most often viewed as a means to allocate one’s income to monthly expenses. You might view budgeting separately from saving, but they go hand in hand. How can you properly plan to save if you…
You might think the subject of this post is an obvious concept, but you would be surprised how many 401(k) early withdrawal requests cross my desk that are simply meant to cover unexpected expenses. This is truly why I felt…
Choosing the right account starts with understanding what to look for in a savings account. Most people immediately think about account features such as interest rates, ATM availability, and FDIC insurance. However, before looking at those details, you should first…
Apart from inheriting money or winning the lottery, saving money is one of the most important steps toward financial freedom. While the concept is simple, many people struggle to put it into practice. Recent data shows how common this challenge…
Developing strong financial habits early in life is one of the most important steps toward long-term financial stability and independence. Financial literacy, building and understanding credit, recognizing the value of financial freedom, and developing strong money habits are all important…
