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 | Dec 28, 2020 | Financial Independence, Investing
VTSAX is one of my favorite funds. It is simple, easy, and it has low expenses. This index fund tracks the Total Stock Market, and it is efficient. As everyone knows, new products come out all the time. Fidelity released a couple of Zero Funds. One in particular is... 
by Steve Cummings | Dec 14, 2020 | Financial Independence, Investing, Saving
Rich people think differently. They have a different mindset. A mindset for gaining assets instead of liabilities. They work hard on their goals that they set and continue to achieve them. Living paycheck to paycheck is not something they do. So why do rich people... 
by Steve Cummings | Nov 30, 2020 | Financial Independence, Investing, Saving
“The first $100K is a b*tch, but you got to do it”. Charlie Munger said this at a Berkshire Hathaway meeting. It truly is hard to get your first $100k. It takes saving, investing, and staying out of debt. Plus it is all about consistency. It took my wife... 
by Steve Cummings | Nov 23, 2020 | Investing
Watching youtube videos in my spare time trying to learn something new, I sometimes come across some interesting guys. One person in particular is the youtuber Graham Stephen. He is a finance youtuber that is in his late 20s that has made over a million dollars. His... 
by Steve Cummings | Oct 26, 2020 | Blog, Investing
My wife is Australian. In Australia, the people there have a retirement plan called Superannuation. It is like the American 401K. The Supers give the Australian people a retirement. It rewards people for continuing to work. This is a post about how I saved my wife... 
