Steve Cummings 
Welcome to Debt Free Journey. This interview series has been developed in collaboration with my friend Cristian Ferrier from The Financial Alien. We are excited to bring you a series in which we explore real-life stories on people working towards … Read More
There are two sides to wealth. There is old money vs new money. Each one has its place in society, but they have been built differently and act in different ways. As you think about it, we talk about the … Read More
Creating a budget can be a hard thing to do. We have to break it down into categories. Allocate different types of money for certain expenses, and quite honestly, it can be challenging. Who wants to budget in the first … Read More
Welcome to It Takes Two to FIRE. This interview series has been developed in collaboration with my friend Cristian Ferrier from the Financial Alien. Both of us are quite excited about this opportunity to learn from FIRE couples and see how their journey has … Read More
Have you ever been called cheap or a cheapskate? Does hearing the words cheap make you feel bad? Cheap as a word can have a negative connotation. As a frugal individual, I think people get confused about what is frugal … Read More
Rich and Wealthy are two words people talk about interchangeably, but why? Is being rich the same thing as being wealthy? “NO!!!” Being rich and being wealthy are two different things. Yes, a wealthy person can be rich, and a … Read More
As I get older, I realize money isn’t everything. People talk about the importance of money. Money can buy you things. It has value to bring about the worldly items we may need to sustain us. A history teacher always … Read More
In the world of investing in index funds, one usually reigns in as the best. That would be either VTI or VTSAX. These two funds are identical in composition but different in how they are represented. It is incredible to … Read More
Whenever I am thinking of a significant change in life, the common question that may come up is, “where should I move?” It is a thing that my wife and I talk about. The thought of relocating to a new … Read More
July 2021 Net Worth update: $201,623 July came and went as well as the year of 2021 is coming and going. We are halfway through the year, and our net worth surpasses anything we thought possible in 2021. You can … Read More
Life is usually good when you have enough money to pay your bills, not have debt, and enjoy the leftover money you may have. Now, if you get laid off, life gets a bit more stressful. The bills you may … Read More