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Month: November 2016

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A Reminder: You Probably Make A Lot More Than You Think

Thanksgiving is now behind us and with its passing comes the official start of the holiday season. I’ve always thought it helpful around this time of the year to remember how fortunate most of us are. If you’re reading this, chances are that you live in a developed country. You probably also make a decent income and have some education under your belt. If you’re smart, you might even be able to save up enough money one day so that you never have to work again. Most people in the world aren’t lucky enough to have the luxury of thinking about financial independence, let alone actually achieving it.

This is why its always struck me as a bit ridiculous when I see people with good jobs complaining that they don’t make enough to get ahead. Sure, making more money is probably better than making less money. And some cities are definitely more expensive to live in than others…

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How I Invest In My Employer Sponsored Retirement Plans, Part 1: My Core Investing Philosophy

I started a new job back in June and with it, I needed to set up my new employer sponsored retirement accounts. I’ve never switched jobs before, so I thought it’d be a good bit of education to share how I chose to invest in my employer sponsored retirement accounts.

My original plan was to write about it all in one post, but as I was doing so, I realized that I was talking about things without really giving any background as to why I was making those decisions. Needless to say, as I started writing, I realized my post was getting way too long!

So, instead of writing one ridiculously giant post, I thought I’d do my first series of posts! Part 1 is right here and deals with my core investment philosophy. It’s the foundation for how I pick the investments for my employer sponsored retirement plans.

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Give Yourself A Raise By Creating Your Own Overtime

I think most of us could use a little more money in our lives. The only problem is that earning more money isn’t always that easy or immediate. Raises are typically an annual thing and definitely not guaranteed. Bonuses are the same way. You could switch jobs to make more money, but that’s not always an option for everyone.

One surefire way to make some extra money is to get yourself some overtime hours. But, if you’re a white collar worker – like a lot of us are – you’re probably getting paid a salary. Even those of you who might be eligible for overtime probably can’t do so on a regular basis. Most organizations limit the amount of overtime that you can work.

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Why I’m A Huge Fan Of Robo Advisors

When I was in college, I picked up a copy of The Automatic Millionaire by David Bach. His book is still one of my favorite money books and probably the first book I recommend to anyone beginning to learn about personal finance.

When I first read Bach’s book, I too, wanted to become an Automatic Millionaire! One chapter in his book talked about setting up an IRA or a Roth IRA. I was a 19 year old kid at the time, so I didn’t have a clue what that meant. All I knew was that it was something good! After reading Automatic Millionaire, I hopped onto E*Trade, opened up a Roth IRA, and transferred 100 bucks into my Roth IRA account.

And then, I was stuck. I remember Automatic Millionaire talking about investing in mutual funds, but I didn’t really know what that meant or how to put my money into that type of investment…

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Has There Ever Been An Easier Time To Start A Side Hustle?

We live in the golden age of side hustling. If you’re looking to make some extra money in order to pay off debt, save more, or even to buy that shiny new toy, there’s really no excuse for why you can’t do it.

Compare the nature of a part time gig today, as compared to just a few years ago. There wasn’t a sharing economy or on-demand economy. Things like Uber and Airbnb didn’t exist. When I was in college, making extra money meant either finding a part time job or figuring out a way to make your own job.

Finding a part time job meant working when your boss told you to work. That’s a problem for people who want flexibility. And creating your own job meant figuring out a skill you had and finding customers, not to mention you probably needed to spend some money in order to get your hustle started…

Continue reading Has There Ever Been An Easier Time To Start A Side Hustle?