Personal Finances

I think there is a mistake many of us get caught up in with our money. We tend to think more about how to earn more money today or think about how it is being… Read More »Survive First then Get Rich

So gold… in the investment world this is a touchy subject, there are people called “Gold Bugs” who love gold, they call it the only real money. There are many others that hate it, saying… Read More »Gold, What is it Good For?

How to Build a Six Month Emergency Fund… Step 1: THE NUMBER – As with almost all aspects of your financial life the sad truth is you need some kind of budget. Most people don’t… Read More »Four Steps to Build an Emergency Fund

So what should you do with that tax refund you might be getting, or already got? Save it. The end. Ha, Ha… okay but seriously, here would be my hierarchy of financial needs. It might… Read More »What to do with your Tax Refund

So as you probably know, the IRS through their benevolence (they were probably forced to by congress) allows you to deduct donations from your income. There are a lot of rules around this of course.… Read More »Donate Your Stuff and Save on Your Taxes!

My home state is California. Over the past 10 years or so I’ve made an active decision not to invest here, particularly in real estate. There are several reasons for this, some are California specific… Read More »Why I Invest outside of California

We own two rental properties. They are nice middle class houses in other states. I think there are two posts there, why other states (I’m in California) and why middle class houses. Both are for… Read More »Rent Increase Philosophy – Personal Investments

In general this site has been dedicated to broader personal finance, crypto and economic topics. I’ve learned over the year that its interesting to hear what other people’s real life experiences are with their finances.… Read More »Personal Investments – March 2022 Update

The purpose of a credit score is to provide a kind of grade. Are you a good bet or are you a bad bet for a lender. If you think about it lenders only make… Read More »Why does a credit score matter when getting a loan?