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investing

Million Dollar Club

Joining the Million Dollar Club

My wife and I are at the beginning stages of building investment wealth. We will reach financial independence before hitting the $1 million in net worth milestone, but hitting the big round number is an obtainable goal that we want to shoot for.  With this post I am joining the …

House Financial Blunder

My Largest Financial Blunder

Retirebyforty posted an article on financial setbacks, which got my gears turning on a major financial blunder I had about 5 years ago.  I had several co-workers who were older than me who invested in real estate. They made it sound like it was easy money, and I wanted to …

Delta: Maximize Savings

Budgeting: Maximize Delta to Build Wealth

Delta is another word for difference. The difference between what you earn and what you spend, the delta, is what is left to save and build wealth.  In America in 2013, the median household income was roughly $51,000, with an average savings rate of 3.9%, roughly $2,000, meaning the median …

The Turtle Beats the Hare in Investing Too

Up until the last few months, virtually every conversation I have had regarding investing has resulted in pessimism, the general attitude it seems that most people have to stock market investing is based on the 2007 – 2011 Bear Market.  I heard too many people argue that it doesn’t make …