How to Travel Hack with Credit Card Rewards

Big Sur California... we want to go back, maybe for free! Forward: I am going to get a TON of grief for this.  I am a Dave Ramsey follower and I preached til I was blue in the face on how bad credit cards are (I still think they are terrible and playing with fire).  … Continue reading How to Travel Hack with Credit Card Rewards

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Keep calm and do a BUDGET!

A few followers have asked specifically about budgeting.  I know, I know budgeting can be as much fun as watching paint dry!  Learning how to complete a monthly budget was the single most effective skill that helped my wife and I pay off $46k in student loan debt!  Subsequently knowing how to and sticking to … Continue reading Keep calm and do a BUDGET!

Asset Allocation (you know, what your adviser should be explaining to you…)

Asset allocation is defined as "the strategy of dividing your investment portfolio across various asset classes like stocks, bonds and money market securities." (investopedia.com) Find your latest statement that your adviser or investment company has sent you.  Somewhere in the paperwork, that most likely has no mention of how much in fees you're paying, you will find … Continue reading Asset Allocation (you know, what your adviser should be explaining to you…)