How To Increase Your Savings Rate, and Why

There are three major factors that influence retirement savings; time frame, market returns, and your savings percentage.  By far the most crucial factor is your savings percentage.  The rule of thumb thrown around all the time is to save 10% to 15% of your income.  This may work if you …

Investing In Individual Stocks

When I first started investing back in 2002 I didn’t know much about investing at all.  My first investment was 100 shares of Red Hat, a linux company that my dad told me might be a good idea to invest in. I invested in a couple other individual stocks, and …

Fiscal Discipline Is Not Self Sacrifice

If I could teach people just one idea on getting ahead with money this would be it. Fiscal Discipline Is Not Self Sacrifice. It goes without fail that anytime a conversation about money comes up and I am asked what I do to save money, the other party will say something …