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  • what is bitcoin

    What is Bitcoin and Why Do I Hate it?

    I’ve been the target of jokes among my friends because I’ve been quite vocal about why I hate Bitcoin. Now that the hype is over, I thought I would write something that answers the 2 questions people ask me the most about it: What is Bitcoin and why do I hate it? Most important, at…

  • The Millennial Mindset That Could Lead to Financial Ruin

    I read a report a few days ago that, to be honest, scared me to death financially. I have to address it because if its true, Millennials are setting themselves up for financial ruin later in life—and by later in life I mean during retirement but potentially pre-retirement as well.

  • My Experience With A Time Share Presentation

    Yes, it happened. My wife and I agreed to attend a time share sales pitch. If you know me personally you’re probably wondering why I decided to sell-out on just about everything I believe in when it comes to personal finance but keep reading. I think you’ll like this story. What’s a Time Share? None…

  • The $100,000 Mistake You’re Probably Making

    Yes, for real! I said $100,000!!! I didn’t come up with the headline just to make you click on the article. It’s a real number. Anything you’re not doing on your own, comes with fees, right? When you pay somebody to fix your car, you’re paying for the parts but the labor costs are much…

  • Should You Use a Ramsey Financial Adviser?

    People who know me will tell you that I’m a big Dave Ramsey fan. He’s done a fantastic job of helping people take control of the biggest financial problem plaguing this country: debt. But there’s one area of his program that I don’t like: His thoughts on Investing. As I write this, I just finished…

  • The Real Story on the Lease Vs. Buy Debate

    First, if you want to eliminate the complexities of the lease vs. buy question, it’s pretty simple: pay cash for the car. By paying cash you eliminate any interest payments and regardless of what happens in the future, you own the car. You’re paying with money you already have versus money you’re assuming you’ll have…

  • Pay Cash Or Lease Your Next Cell Phone?

    Have you ever tried to figure out what you should do with your cell phone? Pay for it in cash? Get another 2-year contract? Get into something called a Next or Edge plan? What’s the best way to get a phone and sign up for cell service with the best value? Notice the Word, “Value”…

  • Retirement

    How Much Should I Save for Retirement?

    Let me be blunt: If you don’t know the answer to this question, you’re setting yourself and your family up for potential disaster. If you don’t know the goal, you can’t set up a plan to reach it. If you don’t have enough money when you’re no longer able to work, you face a potential…

  • budgeting

    READER QUESTION: Budgeting

    A reader wrote in and asked how to make a budget. Here was my private response to them. I removed anything about the person’s individual financial situation.

  • Here’s Why The Internet is so Dangerous

    Too many people underestimate the danger of the Internet. Here’s how to keep your money and your family safe.

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