Financial Independence

How Owning Assets is Better than a Job.

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...

Delaying Gratification for the win.

“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...

VTSAX vs FZROX, who is the best?

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...
How Owning Assets is Better than a Job.

How Owning Assets is Better than a Job.

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...

Delaying Gratification for the win.

Delaying Gratification for the win.

“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...

VTSAX vs FZROX, who is the best?

VTSAX vs FZROX, who is the best?

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...

How Credit Cards can be a big tool

How Credit Cards can be a big tool

Someone recently posted a comment on my blog asking, “Do you think it is a need to have a credit card even if I am not borrowing money?” That question helps me to reflect on things people have told me about credit cards, what I have learned about credit cards, and the...

Why Do the Rich Keep Getting Richer?

Why Do the Rich Keep Getting Richer?

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...

The First $100K is a B*tch

The First $100K is a B*tch

"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 and I being...

Debt Avalanche Helping to Destroy your Debt

Debt Avalanche Helping to Destroy your Debt

Have you heard about the debt avalanche method for getting rid of debt? You may have heard of the debt snowball method. Dave Ramsey is a big proponent of the debt snowball method. Many other people support him as well. I on the other disagree and believe the Debt...

How to Improve your Credit

How to Improve your Credit

Credit is a big thing in the United States. It is how you open up credit cards. Your mortgage rates are based on your credit score. Plus having a good credit score can help you save money through interest rates that banks give you to buy things. It is time to improve...

FIRE'd Up, The FIRE Movement

FIRE'd Up, The FIRE Movement

One of the biggest movements in the world is the FIRE movement. FIRE is Financially Independent Retire Early. Calmncents.home.blog likes to call FIRE the Financially Independent Retire Eventually. Either way, they are quite similar. The FIRE MovementWhat is the FIRE...

Stay up to date 

Subscribe to the newsletter

Pin It on Pinterest