I wanted to share some of my thoughts on debt, investing and taxes. debt and investing is a very personal thing to most people and there is no real right or wrong answer. Many people, me included, just hate any kind of debt, even though some may be willing to take out a $20k loan… Read More


If you peruse other popular early retirement blogs this may sound old hat, for the rest of us it’s time to understand the difference between frugal and cheap as you make your way towards building real wealth. Dictionary.com’s definition of the two: Frugal – “economical in use or expenditure; prudently saving or sparing; not wasteful”. Cheap –… Read More


Most people are not very good at picking out of a crowd who has millions of dollars in wealth. The reason is very counter intuitive to us. We expect them to drive a BMW, wear fashionable clothes, have the latest gadgets and be condescending to all the poor people beneath them. I couple years ago I… Read More


Now that you got rid of your high interest loan and credit card debt and started saving, the obvious question is where and how to place your money in investments. First I have two words for caution. Trap #1) The big trap with any investing management company is that their interests are generally different from… Read More