So I'm self employed now. I made the change about 6 months ago and am winding down from being an employed optometrist. Working for the man can become tiring. But one thing working for the man did provide was health insurance at an affordable … [Continue reading]
February is Failed Resolution Month
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Make Goals Great Again! Did you make a New Years resolution for 2019? Most likely it has failed by now. Not that I know you personally or anything. But research tells me so. It's estimated that 80% of New Year's resolutions fail. When they … [Continue reading]
4 Reasons why an Emergency Fund is Crucial
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The average person has many financial steps they need to take. They need to make an income. Preferably doing something that is not soul crushing. They also need to make sure they are saving enough for retirement. The … [Continue reading]
Valuable Above the Line Deductions
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Make off with the deductions you deserve Not sure if you heard, but a new tax law went into effect for 2018. I wrote about some of the major changes here. One of the goals of the new tax plan was to make the tax filing process easier and … [Continue reading]
The Most Effective Way to Avoid Burnout
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Burnout doesn't really have an official definition. But it can be characterized by bouts of depression, hopelessness and feeling flat from being stressed out at work. Anyone can experience burnout, but it is pretty common among high income … [Continue reading]
Dancing is Not a Good Investment Strategy
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1/11/2019: I thought this would be a great time to re-post this, since many people are starting to dance with their investments! There has been some ups and downs in the stock market the last month or so, and it's making people do weird … [Continue reading]
Don’t Laugh at the Latte Factor
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If you need this every day, then you don't value money. Some personal finance concepts will live on forever. Pay Yourself First is one of them. Debt Snowball is another one. And of course from uncle Dave Ramsey himself, "Live like no one else so … [Continue reading]
Unforgivable Financial Sins
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Committing these financial sins is like lighting your money on fire. Most major religions have the concept of sin. From my understanding of my own religion and other major world religions, sins are detestable actions that take you further away … [Continue reading]
Major Upgrade for IRA’s in 2019
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We can pack a little more into our nests now. The humble Individual Retirement Arrangement, known in most sane circles as the IRA, is getting a level up in 2019. IRA's should be a big part of everyone's retirement plan, whether you're self … [Continue reading]
How to Lose Friends and Scare Away People
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Many people have read the popular book How to Win Friends and Influence People by Dale Carnegie. This book came out way back in the 1930's but is still read by many today. This book can teach you how to effectively network and connect with people … [Continue reading]