There are two stages to retirement planning. The growth phase, where you save and invest with an eye towards a minimum account value, and the ..read more

Why is that some people can come from poverty and rise to great levels of financial wealth while others, starting from a higher base, struggle ..read more

Are you exhausted after a long day of work? Living paycheck-to-paycheck? Too many people think working harder is the way to solve money problems. The ..read more

Why, in our modern world, do we have so many financial crises? Or banking crises? This never happened before, did it? The Roman Republic ceased ..read more

Man three has reached average annual gains of close to half his annual salary earned by selling his time. In 20 years he will have invested $200,800. But his investment account value will likely be over half a million dollars, depending on if the market is in an up or down phase at the 20 year mark. It is also important to note that man three after 20 years earns more income and increase in value in his investments on average every year than he does working his job ..read more

Introduction It might seem like a weird topic to discuss in a personal finance blog, but nuclear war is a real threat to our world ..read more

Bad habits often begin at an early age. An important test at school leads to an all-nighter. Friends want to party so weekends are a time of minimal sleep. A good book keeps us up. The game. A movie. Before long you have a habit eating away at your wealth, causing no end of suffering ..read more

Growing up in the backwoods of northeast Wisconsin on a dairy farm was the perfect way to learn frugality. The frugal strategy mostly employed was ..read more

Yesterday a follower of this blog posted on social media he was “disgusted” by a recent public event. I commented that his post was the ..read more

Somewhere around October 1st, 1963, my dad enjoyed a nice evening out with friends. Several people from the high school attended. My dad was starting his senior year, his eyes distracted by a beautiful sophomore girl. Unfortunately, in 1963, good Catholic girls did not date Lutheran boys. So my dad made sure he was at gatherings where my soon to be mother attended. My dad was 17 at the time, the beautiful girl 15. Love and a wandering mind led to the consummation of their relationship. And as luck would have it, my life started the cool autumn evening. Forbidden love by age and religion create ..read more