I Hate Budgeting: 2015-2016 Expenses and Investments
Budgeting: why bother? I find budgeting to be a chore and would much rather focus my limited time for my finances on increasing my income and investing. We only have …
Case Studies
Financial Independence Calculators – Are We on Track?
In this article I run my personal financial independence plan through several online retirement calculators. Every calculator is only as good as the assumptions that go into it. Some calculators …
Make 2020 Your Best Financial Year Yet: 8 Steps to Financial Freedom
Happy 2020! This year, military pay rose 1.3% and BAH rose for many. In total my pay will jump about $6000 from Jan 1 2016 to Jan 1 2017, mostly …
How Long Does it Take to “Get Ahead?”
I graduated college with $60,000 in student debt. When my wife and I got engaged, she was carrying $45,000 of student loans. Between us, we were working against over $100,000 …
Quick Guide to the GI Bill
Andy used his GI Bill to pay for medical school. It’s an awesome benefit that all servicemembers should be aware of and should take advantage of if they are heading …
We are a Proud “Zero TV” Household!
The AP is reporting that broadcasters are beginning to worry about “Zero TV” households, a demographic that has risen by 3 million to 5 million households since 2007. Not surprisingly Netflix …
What Does Cyprus Teach Us? Diversify
Diversify, diversify, diversify. This woman lost $200,000. This guy lost $1,000,000. Why? Because the evil bankers stole their money to fund a bank bail out because the banks were over …
Lending Club Review – 2 Years, 6.23% Return, 5 Loans Charged Off
Be sure to check out my Lending Club review from 6 months ago and my analysis of charged off (defaulted) LC notes. Lendingclub.com continues to deliver superior investment returns while minimizing risk. …
BedinaBox.com Review – PacDown PacBed Memory Foam Mattress
Update for January 2017: After sleeping on my Bed in the Box for a few months, I started experiencing dead arm, back problems, and other issues. I no longer sleep …
Why I’m Funding My Roth IRA and Not My Wife’s (For Now!)
Kate Horrell asked a great question on my 1 year financial plan post: Spencer, I’d love to hear your logic about funding your IRA over your wife’s IRA. You have …