Do you feel another ESI Money rant coming on? Me too. :) I've noted previously how many "financial experts" (or at least people who hold themselves out to know something about money) in the media really know very little about it. If you want to see my thoughts on the subject, see Why Another Financial Website? and Buying in Bulk is Always Cheaper. This has been my … [Read more...]
Help a Reader with Housing Advice
I recently had a reader email me and ask about buying a house. I suggested he write something up, I'd post it, and we'd let the ESI Money community weigh in on the subject. Here's his background/questions: I know home ownership is more than an investment but I am trying to ensure my first time purchase in the near future is not a money pit and something that can … [Read more...]
My Jobs, The Dream Job Turns into a Nightmare
Last time in this series I shared some of my career history and left off where I had just accepted my dream job. Today I want to continue this series by giving details on the next position I held. The dream job was everything I had hoped it would be -- lots of great projects, interesting people to work with, a growing company with lots of energy, a bigger title, more money, … [Read more...]
Living Like No One Else
When I gave my one year blog update, I asked if there were any topics readers wanted me to cover in year two. One reader commented as follows: You must have done a fair amount of "living like no one else" to reach financial independence at your age, especially in relation to your socio-economic peers. What were some of the specific lifestyle choices you and your family made … [Read more...]
What to Do When You Save too Much for College
Just when you thought filing your taxes was the most complicated thing you'd have to figure out financially, along comes a problem like this. Let's start at the beginning... There are a couple of things you don't know when saving for college: Will my children even go to college? If so, how much will college cost them? My wife and I answered these questions many … [Read more...]
Retirement Six Month Update
Can you believe it's been SIX MONTHS since I retired? In some ways it seems like yesterday but mostly it seems like eons ago...in a good way. My last retirement update was at 100 days. Here's what I've been doing since then: I'm still busy!!! How did I ever find time to work and do all the stuff I'm doing now? The days pass quickly and there's always more left to … [Read more...]
Big Tax Savings due to Early Retirement
Now that I'm retired, lots of things have changed, of course. One of them I have been expecting is the taxes I will pay. Not only am I earning about one-third of my former income each year, but I'm not doing it from earned income. On the tax-paying side, I won't have a job deducting income taxes for me, so there are implications there as well. To get a head start on … [Read more...]
The Only Five Money Books You’ll Ever Need
This post may contain affiliate links. Please read my disclosure statement for more info. A couple months ago a friend on Facebook asked what books people recommended on various money topics. Without batting an eye or even pausing a moment to reflect I immediately responded: For retirement, How Much Money Do I Need to Retire? by Todd R. Tresidder can't be beat. … [Read more...]
My 2016 Peer-to-Peer Lending Results and Next Moves
This post is an update on my peer-to-peer (P2P) lending results through 2016. I use P2P investing as part of my retirement income strategy. For background on how we got to this point, see My Entry into Peer-to-Peer Lending and An Update on My Peer-to-Peer Lending Investments. In addition to results I'll cover my thoughts on the two platforms I use as well as give some … [Read more...]
2016 Credit Card Rewards Review: Over $1,500 in Cash Back
This post summarizes of my credit card rewards for 2016. In case you can't tell from the headline, it's good news. :) As a review, I've made over $12k in the past decade using cash back credit cards. It's not a fortune but it's extra money I wouldn't have had otherwise -- and who doesn't like extra money? I usually try to pay for as much as I can with a credit card … [Read more...]
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