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planning

2016 Quarter 2 Financial Update

Quarter 2 was a rough one for us.  We had a decent income for the quarter, but we had a TON of expenses come out, which greatly reduced our savings rate for the quarter. Financial Update: Income: Our total income for the quarter clocked it right at $22,671, which has us …

Is It Crazy To Think I Could Retire At 40?

For the most part people in this country would classify retiring at age 45 to be extreme. The “normal” retirement age is 65, and age 55 is seen as early retirement.  Retiring at age 40 means that I will have worked for 23 years.  My current long term goal is …

What If I Died Tomorrow?

Lately I’ve been thinking a lot about death. Tomorrow is never a guarantee and of the people walking this planet 151,600 will not get to see it.  In the past year three of my friends have passed at much younger ages than they should have.  One of these friends I …

Time Budget

The Time Budget

We all have different budgets based on our incomes, lifestyles, and general overall circumstances. One budget that we all have that is exactly the same is our time budget.  7 days; 168 hours; 10,080 minutes; 604,800 seconds…52 week a year…the clock is ticking. Time is something we have to spend wisely, …