A personal finance blog about a young professional navigating adulthood and finding his way to financial independence
Examining, reviewing and managing your personal finances is not the most exciting topic for most. It’s boring and stressful. It causes anxiety about your spending decisions. And to top it off, it’s overwhelming figuring out where to even begin. So why am I going to argue that you need to start doing it immediately? Simply... Continue Reading →
One of the things I found most challenging at the start of my financial journey was simply keeping track of all my different accounts. I had a 401(k) account with company A, a brokerage account with company B, a Roth IRA with company C, an HSA account with company D, an employee stock plan with... Continue Reading →
Cheese has been bringing people together for over 7,000 years. How do I know this? Well I don’t, I just quickly skimmed the cheese Wikipedia site, but that’s beside the point. Cheese nights offer a fantastic and cost-effective alternative to a typical restaurant meal. When you go out to eat, you are not just paying... Continue Reading →
In 1950, one-dollar could buy you 3 pounds of coffee. In 2019, one-dollar can’t buy you a single cup. The value of our money decreases over time as goods and services become more expensive. This is called economic inflation. So saving and stockpiling money is not enough. If this money does not grow somehow, then... Continue Reading →
When you begin working for a company, you are bombarded with a wealth of information pertaining to their benefit programs. With a thousand other things going on, this information is usually pushed aside to be looked at “later”. When you finally get a few minutes free, you start digging in and come across the 401(k)... Continue Reading →
Let’s take a stroll down memory lane: You are 14 years old and you finally figured out how to make some money! Every other Saturday you mow the neighbor’s lawn and earn yourself $10. You throw your dad a few bucks for the gas and then stash the rest into your new safety deposit box... Continue Reading →
For some grocery shopping is a painful experience. The crowds,the overwhelming number of choices, the fact that there are 20 checkout counters but only 2 are open. For others, grocery shopping is an exciting adventure. Hunting sales, sampling new products, knocking something off your To-Do List. Regardless if you love it or hate it, we... Continue Reading →
“Never open a bar tab. Take out cash at the beginning of the night and don’t spend more than what you take out” We’ve all heard this one before but let’s be honest, no one does this. And if everyone is having a good time, do you really want to be Irish Exiting because you... Continue Reading →
Coffee is the lifeblood of society. It jump starts our mornings and erases our post-lunch drowsiness. Coffee is not just a drink, it is a culture, a work of art. If you’re an avid coffee drinker, you can sniff out a bad brew before it even touches your lips. Sometimes the $6 cappuccino is just... Continue Reading →
In theory budgets are great. You know how much you earn each month. You know how much your bills cost each month. Simply take the remaining money and allocate it to the rest of your life (food, savings, entertainment,shopping, etc.). As long as you follow your plan and don’t overspend in any one category, then... Continue Reading →
Finally, the clock strikes 12. It is here folks, the highlight of the workday. You jump on Seamless and start browsing the endless possibilities. For the next 15 minutes you sift through hundreds of lunch options…
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