It is all about the spending. I personally like the bicycle tip. Thinking of some people I know doing that is an interesting visual. Here are some helpful tips from Mr. Moustache who retired at 35. Even though this may be impossible for most, moving the retirement date up 5-10 years is nothing to sneeze…

You better!!  If you do not know what this means you will have no idea if you are actually making any money. Nominal returns are your returns before inflation is accounted for. Real returns account for inflation. You might say who cares? This is why understanding of this concept is vital   Example 1  Investment…

The costs of caring for pets has increased dramatically over the past decade. Even people who take out pet insurance are finding many of the costs are not covered under their policies. A solution to this is to incorporate these possible expenses into your budget. Read this excerpt from Marketwatch.com to learn more… Like (human)…

Pretty interesting. Check out how much wealth you need to be in the top 1% http://wealthometer.org/US/calculator2.html

 Did you know that closing credit card accounts can actually lower your credit score? It is true read about it in this article from marketwatch. http://www.marketwatch.com/story/5-things-not-to-do-if-you-want-a-better-credit-score-2014-01-15?pagenumber=2

No  more than 30% of your take home pay each month should be devoted to your main housing expenses of mortgage and property tax payments. If you go way above this level you will not be able to save and invest. Many people think of their home as a great investment. Historically home appreciation is…

This post holiday period is a great time for many unsavory companies to pitch their products. While obesity is an epidemic in our country, there is no easy solution. Discipline about what you are eating and exerting yourself with exercise do not sell products. Many people want an easy answer to a complicated problem and…

This is an excerpt from Morgan Housel’s column at the Motley Fool. 1000 people in the their eighties and nineties were interviewed to give advice about money and other matters to the younger generations. Read this for some perspective. Personally I love dealing with money because it is like a big strategy game for me….