The 50/30/20 budgeting rule is making the rounds on the internet and I honestly wasn’t sure what it was until I read up on it. I haven’t had an official budget in over 20 years and that’s largely because I have always paid myself first. For decades, I’ve always tried to maximize my 401k, kept…
Category: Personal Management
Our Plan To Will Assets Equally, Not So Easy
My wife and I periodically update our Will and we’re getting close to having to update it again. The major changes over the years were who we designated to have as custodian for our kids but now that all our kids our adults, we’re planning on updating it again. To that end, I started watching…
Zepbound: My Health Journey – April Edition
It’s time for an update on my Zepbound weight loss journey for end of April. This is month 3 of my journey (see links below for other editions) and I am happy to report that I’ve lost 16 pounds total in 3 months. I actually had to redo the math several times since I didn’t…
Money Calendars
I have at least a dozen calendars that I manage and half of those are for managing money. I’m going to focus on the money calendars for this post so let’s get started. Bond Calendar The first money calendar is my bond calendar. There are several components to this calendar. First there is the US…
Games (& Investing) For Ages 20 & Up
Do you have young kids? If so, you’re probably aware that kids love to play games. My kids favorite when they were young was Monopoly (Ages 8 and up), Settlers of Katan (10 and up) and lately, Secret Hitler (17 and up). Games & Age Groups My kids didn’t start playing Monopoly right off the…
Why Are You People Buying Bank CDs?
I really don’t get why people buy bank certificate of deposits where there are many different options out there. The Wall Street Journal had an article entitled, “How High-Yield CDs Turn Into 0.05% When You’re Not Looking” and it boils my blood to see how people get cheated but cheating the customer isn’t something new…
The Whopping Costs of Vacationing In Europe!
I just got back from spending Easter in Europe and I am shocked at how much inflation has grown there and the whopping costs of living there. Airfare I was lucky enough to find “cheap” airfare to Europe for $760 but it was only because I have an alert on flash sales setup on my…
The Three Personal Finance People You Need In Life
Did you know you need at least three personal finance people in your life? If not, then perhaps that’s why you might be struggling financially. Let me walk you through my personal finance people. Personal Finance Mentor A personal finance mentor provides financial guidance, advice, feedback on skills, and coaching. This type of mentor can…
Zepbound: My Health Journey – Early March Edition
It’s been a fiasco! If you hadn’t heard, there was some type of cyber security attack on Change Health that disrupted insurance payments and processing of pretty much anything health care related. The cyber incident happened right as I was expected to get my second shipment of Zepbound. I had been waiting for two weeks…
Father To Son Financial Lessons, Often Ignored
When I became a teenager and received my first driver’s license my father gave me a few pieces of advice about safety and driving, etc. Of course, as a teenager that “knew” everything I rolled my eyes. One additional piece of advice my father gave, which also caused me to roll my eyes, was to…