by Steve Cummings | Feb 22, 2021 | Financial Independence, Investing, Saving
In life, you spend your first 18-20 years in school. You may spend longer in school. The hope is to have a good education, go out into the world, and be able to create income and value within the world. One thing that is missing is a financial education. Schools miss... 
by Steve Cummings | Feb 15, 2021 | Budgeting, Financial Independence, Saving
Looking for places to live can be a daunting task. We need to weigh the pros and cons of each place. How do you pick an area? Here are the pros and cons of living in a HCOL vs LCOL area. HCOL is an acronym for “High Cost Of Living,” and LCOL stands for “Low Cost Of... 
by Steve Cummings | Feb 1, 2021 | Financial Independence, Investing, Saving
Asset allocation is all about how you break down your assets into different categories. Some people break down their assets into categories such as stocks, bonds, and real estate. I have broken down my portfolio to show you what I own. My Investment Strategy: The... 
by Steve Cummings | Jan 25, 2021 | Financial Independence, Investing
In this hard working life of mine, I have found that time is valuable. We all want to make time for family, friends, and even fun experiences. The problem is that we also need to invest for our future. Creating portfolios for our future can often be hard, laborsome,... 
by Steve Cummings | Jan 18, 2021 | Financial Independence, Investing
After reading the book Rich Dad Poor Dad, most people come under the conclusion that owning assets is better than having liabilities. That is so true. “The rich people acquire assets. The poor and middle class acquire liabilities that they think are assets.” This is... 
by Steve Cummings | Jan 4, 2021 | Financial Independence, Saving
“Patience is a virtue” my father would always say to me. If you think about it, patience truly is a virtue. Oftentimes, we want things now. That is not the way the world works. Those that want instant gratification often end up on the wrong side of the stick. It is... 
