Investing in Real Estate

While I have some years of experience investing, primarily in index funds and mutual funds, I can’t help but watch the financial community on Twitter blow up about REITs and how real estate should be a key piece of my investing strategy. While many people rave about real estate, I’ve always been a fan of keeping my investments diversified and wanted to learn more before considering investing.

In this post, I will cover (1) what options we have to invest in real estate, (2) the pros and cons to investing in real estate, and (3) our plans in the future.

Which Subscription Services Bring Value into Our Lives?

Read my disclaimer here. A few months ago, I thought subscription boxes were fantastic. They were a mini monthly present to myself that was exactly what I wanted, and yet still a complete surprise. Makeup subscriptions, children’s books, dog toys, clothing, sustainable products, underwear, snacks, produce, etc. You name it, if marketing told me IContinue reading “Which Subscription Services Bring Value into Our Lives?”

Why it is Important to Continue Investing in a Downturn

Read my disclaimer here. When you consider the potential for a future recession, how does it make you feel? Does the expected dip in your 401k keep you up at night, or are you prepared to continue investing to boost your retirement savings for the long run? Going into March 2020, I was thankful forContinue reading “Why it is Important to Continue Investing in a Downturn”

Increase Your Future Income by Understanding Dividends & Capital Gains

A few years ago, I started investing small amounts without a full understanding of the different performance metrics. My knowledge was limited and I couldn’t project how or when I’d be taxed on my returns. I also didn’t understand how the decisions I made played a role on how much I would pay. Depending onContinue reading “Increase Your Future Income by Understanding Dividends & Capital Gains”

Bachelor’s Degree or Trade School – Which Will Help You Achieve Financial Independence First?

Let’s say that you want to know how to invest your time and your money to increase your salary, allowing you to achieve financial independence faster. As we know, we can either reduce our expenses, increase our wages, or improve our investment returns to achieve financial independence sooner. In this article, I want to reviewContinue reading “Bachelor’s Degree or Trade School – Which Will Help You Achieve Financial Independence First?”

How HSAs Support Retirement Savings and How I Selected Our Health Insurance Plan

First, I want to touch on the benefits of HSAs (Health Savings Accounts) and how much you can save in taxes and earn in interest as you plan for retirement. Then I’ll review how I selected the best health insurance plan for our family for 2021. I’ll also share a spreadsheet that I used toContinue reading “How HSAs Support Retirement Savings and How I Selected Our Health Insurance Plan”

Three Ways to Gift Intentionally in the 2020 Holiday Season

It’s November 1st and the pumpkins are quickly packed away and the holiday advertisements are already in full effect. This year it seemed like the holiday spending started even earlier with Prime Day. While Amazon Prime Day typically happens in June/July, this year it was scheduled in October due to the pandemic, and was advertisedContinue reading “Three Ways to Gift Intentionally in the 2020 Holiday Season”

Three Types of Passive Income

There are three categories of passive income types that allow you to earn a continuous income for many years to come with minimal effort to maintain. Depending on your unique scenario, what you have to offer may vary. However most people likely have one of these three things, whether you are investing (1) your money,Continue reading “Three Types of Passive Income”

The Stages of Financial Independence

Financial independence has a unique definition, depending on what stage you are at and what your goals are. What you choose to do with your financial freedom can change how much you need and how fast you can accomplish that goal. Do you want to quit your day job, start a small business, volunteer yourContinue reading “The Stages of Financial Independence”

Financial Independence and Children

Achieving financial independence is an admirable goal, but is it possible to achieve while raising children and navigating the many financial decisions we make as parents? The USDA suggested that the cost of raising a child to the age of 18 is as much as $233,610 in the year 2015 and doesn’t include college education.Continue reading “Financial Independence and Children”