I’m 30 and still don’t use a credit card. What Am I missing Out On?
When it comes to living your life and spending money, only you can decide the best path forward as far as how you spend money. For some people, this means only using cash, while…
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David Beren
I Feel Like I’m Killin’ It with Saving – Here’s How I Budgeted My Expenses This Year
Building up a savings account is a fantastic achievement for anyone who lives an everyday, non-FIRE life (financial independence, retirement early). This is challenging as it’s hard to remember to put aside money these…
Should I relocate to NYC for $220,000 or stay in Boston with my comfortable job?
One of the toughest life decisions anyone can make is whether or not to relocate, especially regarding a job offer. Moving can and will disrupt your whole life, often taking you to a faraway…
Why I Check My Bank Account at 5 AM for Social Security Payments – Anxiety Over Chaos
Understandably, many people wake up every morning and check their credit cards and checking/savings accounts when they grab their phones and turn off their alarm. Whether to look for fraud or ensure the money…
I’m looking to get someone to take a look at my investments/retirement planning and get our family set in the right direction
If you have any concerns about whether or not your investments are heading in the right direction, rest assured that you are not alone. Investing isn’t easy, and investing to make yourself a ton…
Is Increasing My 401(k) Withholding the Key to Maximizing My Retirement Income?
One of the most important decisions anyone can make is how to handle retirement income before and after you call it quits. Arguably, the biggest consideration is handling 401(k) accounts alongside Social Security, RMDs,…
My Dad Lost Everything – How Can He Rebuild After Being Scammed Out of His Savings?
While the love of family goes both ways, as parents will do anything to ensure their children are not hurt, the reverse is equally true. There is no question that any child watching their…
How Buying Fresh Fruits and Quality Coffee Changed My Life – What Purchases Impacted You Most?
If you finally reach a point in your financial life where you have the flexibility to spend without worry, it’s an incredibly freeing feeling. At least, I can imagine it is. Assuming you are…
Should I cash out my $250,000 401k to pay off my $130,000 mortgage and live debt-free or keep working in a stressful job?
As soon as most people hear that they may be on the cusp of being cut at their job, there is no question that a panic cycle sets in. I can say this confidently…
How I’m Navigating the Awkwardness of Telling Friends I’m Retiring Soon – Here’s My Dilemma
One of the toughest realities most people face is being in a different financial position than those around them. In many ways, it’s hard to hide if you are doing better than others, and…
Buying My Condo Was a Financial Mistake – Now I’m Stuck with a Money Pit and Major Repairs
At some point in life, everyone has a moment when they realize they have made a terrible financial mistake. Whether it’s buying a car, a home, or a disappointing vacation, there can and will…
I’m Retiring Next Year with $450K in Savings—What Am I Missing for My $10K Monthly Goal?
Some of the best news anyone can tell themselves and others is that they are ready to retire. There might not be anything better than knowing that your time playing corporate politics and doing…
Should I withdraw from my Roth or the inherited 401k first after retirement?
required minimum As soon as you receive an inheritance, it gives you all the hope in the world that you are in a better financial situation than you were previously. However, it also comes…
I’m Investing $750,000 After Losing $1 Million in Cash—Will I Avoid My Past Mistakes This Time?
Investing in the stock market is one of the hardest financial decisions anyone can make. It can very much feel like you are gambling with your money, and while the stock market has continuously…
8 in 10 Freelancers Feel More Productive Working Remotely – Here’s Why
If there is one positive outcome of the pandemic, it has been the rise of remote work. For millions of workers around the US and the world, the opportunity to work from home has…
Should I pay off small credit card purchases immediately, or focus on something else?
Whenever you have a credit card in your name, it instantly starts an internal conversation with yourself about how much and how frequently you can pay things off. Plenty of credible arguments favor paying…
I’m retiring in my mid-50s and still crave new opportunities – how do I make sure my career exit story doesn’t close future doors?
There is likely to be a sense of guilt whenever the time comes to say goodbye to corporate life or the workforce. Even if you hate your job, it provides a sense of purpose…
My wife and I both rocketed up the tech ladder – is it safe to slow down without risking our jobs?
thinkOne of the best situations anyone can find themselves in is when their job is going better than expected. The hope is that you hit six figures early on, and the sky’s the limit…
What’s the difference between a financial planner and a financial advisor?
Whenever you jump into a conversation on Reddit and the subject of a financial advisor comes up, look out, as it can get the emotions going. For many people on this social platform, the…
The Truth About the 4% Rule – Why It’s Not a Guarantee for Never Running Out of Money
If you live in the FIRE (financial independence, retire early) world, the 4% rule is one of the crown jewels of this movement. Known as the “Safe Withdrawal Rate,” it hopefully allows you to…