Life has changed a lot for me and my family since we had a baby earlier this year. Besides the obvious day-to-day changes that have happened, adding a baby into our life has also meant a significant change to our overall future financial plans. Retirement and financial independence isn’t the only thing we have to […]
Saving
How To Make Your Own Free Version Of Acorns
One popular fintech app that I’ve never really promoted on this blog is an app called Acorns. It’s what you’d call a micro-investing or micro-savings app. Here’s how it works. You link your credit and debit cards to Acorns. The app then monitors all of your transactions on those cards. Whenever you make a transaction, […]
How To Go Car Free – An Analysis Of My Friend’s Car Situation
Recently, a friend of mine asked me what he should do about his current car situation and as we got to talking about it, it occurred to me that our discussion might make a good blog post that could examine whether someone seemingly car-dependent could make the dramatic move to going totally car-free. Here’s where […]
Peak Money App Review – A Free Goal-Based Savings App (And The Best Alternative To Qapital)
Finding a free round-up app took more time, but ultimately, I discovered Peak. I’ve now been using Peak Money for over a year and have been very happy with it.
Micromobility In A Post-Pandemic World – More Important Than Ever
Here’s an interesting fact about me: I’m 33 years old and I’ve never bought a car in my life. That’s sort of a strange thing for someone my age. Depending on how old you are, you’ve likely bought multiple cars over the years – the stats say that your average person buys a new car […]
We Refinanced Our Mortgage
Around the end of February, I started getting wind that mortgage interest rates were plummeting to record lows. This was about two weeks before the Covid-19 pandemic broke out here in the United States, but I guess the market was starting to notice that something was happening. At the time, I was pretty oblivious to […]
Job Shutdowns And Why You Should Have An Emergency Fund
Earlier this week, my wife got an email from the state dental association asking dental offices to shut down until the end of the month for non-emergency dental care. It’s technically not mandated, but like many of us going through the current Coronavirus pandemic, we’re doing our part to limit the spread of this virus […]
$600,000 Earned In A Decade – What Do I Have To Show For It?
Earlier this month, I put together two posts looking back at the past decade of my life (which you can read here and here). I’ve had a lot of important and formative events happen to me over the past decade – graduating law school, starting my first job, meeting my wife and getting married, quitting […]
My $42,000 Emergency Fund
*Unfortunately, there have been changes in recent years that have changed the nature of my emergency fund. Insight no longer offers a 5% interest account. I’ve also added Service Credit Union as a new 5% interest account and HMBradley and Service Credit Union give me access to 3% interest as well. Today, it’s no longer […]
The Best Personal Finance Books
I read a lot of books and over the years I’ve compiled a decent reading list of what I think are the best personal finance books. When you think about it, books are an amazing tool with a really high return on investment. You can usually get them for free at the library, so they […]
