Tag: financial planning


Path to a Million: 2017 Q3

Another quarter, another net worth update. This time is no different. My laser focus on keeping a tight budget has ensured continuous success with my net worth slowly but surely climbing through a combination of debt reduction and asset appreciation. I’m adding more to liquid savings, increasing retirement contributions in addition to accelerating my debt ...


Not Saving Could Cost You Your Life

I am glued to my screen, just like every other American, watching in horror as disaster after disaster ravage the Caribbean and southern states. As I see the images unfold, I watch with sadness but also with frustration as news networks routinely interview people who refuse to refuse to evacuate. While I understand that some ...


What Can you do with $1,400 a Month?

I don’t know about you, but for me, not much. But according to the Social Security Administration, that is approximately the average monthly benefits that retired seniors were receiving as of December of 2016. This highlights the importance of having limited reliance on Social Security income later in life. It is no longer enough to have ...


Lil’ Ugly: Driving my Way to Financial Freedom

That’s my mom’s nickname for my car: Lil’ Ugly. She came up with that a few weeks ago. I don’t know if she’s just sick of the multiple dents and scrapes peppering the body of my beloved 2008 Honda Accord, but she has been on a pretty aggressive campaign to sow discord between me and ...


Prey to Play: Exploiting Black Misinformation

In a country built on a legacy of race-based abuse and marginalization, it should be a surprise to no one that segregation was the norm until HUD decided to outlaw discriminatory norms that after several decades (excluding centuries of slavery since “property” cannot own property) of people of color, mainly blacks, being locked out of ...


Your 7-Day Guide to Financial Discipline

While you can’t strike it rich in 7 days, you certainly can organize your life enough in 7 easy steps (1 per day) to improve your financial management skills. Monday: Maximize your retirement contributions, either to the maximum amount you can afford or to the IRS limit. If you have not yet started contributing, do at least ...


Persistence, Patience, Purpose

  We grew up in the age of microwaves, airplanes and high speed internet, which means we want everything yesterday. The same is true for our financial security. However, no matter how quickly we can download movies or get from one coast to the next, we have to accept that short of an inheritance or ...