Is Going Back to School Worth it When You Have Kids?

Luckily, I was already enrolled in my MBA (Master’s in Business Association) when I became pregnant with my son. Otherwise, I probably would have talked myself out of it. I also had the advantage of my employer covering most of the bill, so I had an obligation even with the challenges ahead. Was it worthContinue reading “Is Going Back to School Worth it When You Have Kids?”

My Experience with Whole Life Insurance

Everyone has their own strategy for how they invest their income to maximize long-term earnings potential. In this post, I want to talk about my experience with a whole life insurance policy. What is whole life insurance, how do the earnings compare, what was my experience, and what did I learn? If you read myContinue reading “My Experience with Whole Life Insurance”

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.

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”

5 Ways Minimizing Your Closet Can Make You Money

This post contains affiliate links. When I first started my professional career, I appeared to have a minimalist closet, Unfortunately, my jeans and sweatshirts from college days were no longer appropriate for the office life. Two hundred dollars later, I accumulated a couple sweaters that I wore with black pants, black shoes, and a handfulContinue reading “5 Ways Minimizing Your Closet Can Make You Money”

Debt, House Down Payment, or 401k – How Should I Prioritize for Long Term Growth?

When I first graduated from college, I landed a good job that gave me the ability to afford costly student loan payments that, at the time, felt like a mortgage on it’s own. Like many other college grads, I found myself owing close to 6 figures after graduation, and was determined to rid myself ofContinue reading “Debt, House Down Payment, or 401k – How Should I Prioritize for Long Term Growth?”

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”