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budget

Avoid ER Costs

Paying A Large Medical Bill

Let me start this off with my aversion to doctors. I hate going to hospitals and to doctors.  Generally speaking I will do anything to avoid going to the hospital.  In my life I have gone to a doctor 4 times for an injury:  When I was 12 and broke …

quarter-3-2016-financial-update

2016 Quarter 3 Update

Quarter 3 overall is a slow quarter for us. During Quarter 3 I was off work for the first two months, so our total income and thus savings rate is down for the quarter.  During Quarter 4 I will be working every week, with a lot of overtime, and this …

Dave Ramsey

Where I Differ From Dave Ramsey

Dave Ramsey is perhaps the most popular financial coach in the world.  His system has helped millions of people get out of debt and build wealth.  I personally have been listening to Dave Ramsey for over 10 years.  I have great respect for him and know that his work has …