My friends told me about this ‘great’ app they found called Acorns back in early 2017. They mentioned how great it was that the program rounds up all of their credit card purchases to the nearest dollar and invests the change. My first question was something along the lines of why not just put the […]

I’ve said this before, and I’ll say it again: INVEST, SAVE, OR SPEND EVERY DOLLAR (IN THAT ORDER) Conventional wisdom says “you need to budget” your money. Then there’s the wisdom of those against budgets and their argument often goes like this: each January 1st, you tell yourself “I’m going to budget better,” but then […]

If you’re a U.S. federal employee (including the DOD), you are probably eligible to participate in the Thrift Savings Plan (TSP). If you’re not sure, check your eligibility here or with your personnel office. Most people don’t take full advantage of this program and it’s a crying shame. I myself didn’t start until about 4 […]

I bought my first stock in late 2013 (2 years after I finished college). Up until that point, all of my investment money was going into mutual funds. My bank and broker (then, USAA) would stop by Ohio State each year and impress upon students the importance of investing early and how easy it was […]

It’s never too early to start planning for your retirement. I have friends who are 8 years into their professional careers and have not put more than a few thousand dollars towards their retirement. They live pay check to pay check despite making over $70,000 each year with none (or very little) of that money […]

If you are already maxing out your Roth IRA, good work. You are lightyears ahead of a lot of your peers. If you aren’t maxing it out each year or don’t even have one, WHY THE HELL NOT? Even today, knowing full well the benefits of they offer, so many of our friends and coworkers […]

For the last 6 years of my professional career, I’ve had coworkers ask me where I get all my money. “We do the same thing, so where is all of your money coming from?” is usually how it goes. Long story short, there is no big secret or scam, just smart placement of my money! […]