• financial wellness score
On my blog, I often discuss budgeting, saving and debt elimination. I don’t talk about how to protect you and your family that often, although I’ve written a few posts on life insurance. One popular post aboutlife insurance is my $12,000 money mistake with permanent life insurance. However, I don’t spend much time writing about......
  • budgeting
Our budget continues to be an iterative process. As much as I like stability, there are still expenses I forgot I need to add in our budget to account for and they disrupt my budget! In March, I needed new tires for my car and our car insurance was due. Also, our food budget, which......
  • free tax return
Tax day is quickly approaching. If you’ve procrastinated on doing your taxes, you still have through Tuesday, April 18 to get them done. Filing taxes can be a bit cumbersome, and if you are like me, you worry about making mistakes and the IRS coming after you. When my financial advisor told me there was......
  • student debt
Students graduating college in 2016 are averaging just over $37,000 in student debt. The average starting salary for an engineer out of school is just over $62,000 – just over $66,000 for my fellow Electrical Engineers. The starting salary is up quite a bit for Electrical Engineers, about $10,000, from when I graduated college (2010.) In......
  • active fund managers
I read an article on CNBC  that discussed how Warren Buffet dedicated four pages of his 29-page annual report criticizing active fund managers. Buffet’s reasoning for slamming active fund managers is due to the high fees these folks charge. The fees are often 1% or more of the funds they manage. At one point, Buffet compared these......
  • millennial money minutes
I wrote a post back in February that tackled the question: should I pay off my house or invest? One of my favorite podcasts is Millennial Money Minutes. I shot them a tweet a few weeks back and they answered my question on their podcast last week. I listen to Scott Alan Turner’s podcast every week......
  • permanent life insurance
I still remember the day I took out my permanent life insurance policy (sometimes referred to as a whole life policy.) I was a junior in college and a friend of mine provided my name to his buddy who was a sales agent at one of the large insurance companies. Being the money moron I was......
  • health savings account
**This post is updated from a previous post for 2017 IRS limits** What is a health savings account (HSA)? A health savings account is a tax-exempt account to pay or reimburse certain medical expenses. I contribute to a health savings account because my employer only offers a high-deductible-health plan (HDHP), and this plan offers significant......
I finally realized that I am a millennial. At 29, I thought I was too old to be considered a millennial. It was only a few years ago that I heard the term millennial. Over the last few years, I’ve heard the question, “Do  Millennials work hard?” I did some research, and I found a......
  • early retirement
Today’s post will review some information I learned from the personal finance community regarding early retirement. Many folks use the acronym financial independence retire early (FIRE). How early are some of these folks planning to retire? I’ll share a few stories of bloggers I enjoy following, and then I will share if FIRE is possible. Finally,......