Happy New Year! I hope you had a great 2021 and that 2022 is even better! Every year millions upon millions of people make New Year’s Resolutions usually with the goal of making changes to improve themselves and their lives, […]
What If…You Won the Lottery?
Sometimes the incredibly unlikely (or near impossible) happens, like winning the lottery. It is unlikely that anyone reading this will win a huge lottery jackpot, but bear with me. Hopefully, this short blog post can get you to really think […]
What’s Your ‘Why’?
In my last two posts, I went over the “Latte Factor” and excuses for not saving money. Maybe those posts got you thinking about your money. Those posts were a lead in for today’s post. There are many reasons why […]
“I can’t” “Next month” “Once I…”
We live in a world full of excuses. Many people (maybe even you) make excuses for not being able to save money or manage their personal finances. Below are a few examples, but there are millions out there along the […]
What Marginal Gains Can You Make With Your Money?
In my last post, I discussed the three books that had the most impact on me from 2020. One of those books, Atomic Habits, had a story in it that described how the British cycling team used marginal gains in […]
Just Because You Can Afford Something Doesn’t Mean You Should – Part 3
Continuing with the trade-off and affordability theme of the last couple weeks (click here for the housing example), today, I’ll cover trade-offs and affordability of electronic devices. Smartphones, tablets, laptops, televisions, Bluetooth speakers and headphones, and ‘Smart’ devices are becoming […]
Just Because You Can Afford Something Doesn’t Mean You Should – Part 1
When I started “Rat Race Off Ramp”, I highlighted a few ways to think about money, saving, and spending. Two of my early posts were “Money and Your Life” and “Spending with a Different Mindset.” In another post, “Are you […]
Step 6: Review Your ‘Race’ Status
Updated: May 2021 We’ve completed the first five steps of the ‘Rat Race Off Ramp’. Now, we are on to the final step: Step 6: Review Your ‘Race’ Status. Building wealth and achieving financial freedom is a lifelong endeavor, and […]
Step 3: Dive Into Your Income & Spending
Updated: May 7, 2021 Now that you have set your goals and figured out your current net worth, you’re ready and waiting at the starting line of this race. Let’s start moving forward to figure out how to get to […]
Where Your Money Goes..
What do you spend your money on? For the most part, expenses are divided into two categories: fixed expenses and variable expenses. But within fixed and variable expenses there are a bunch of smaller categories. Today, we will break them […]