Handling That Pay Increase

It's that time of year at the day job. Every year, I get evaluated by my manager and receive the requisite pay increase to go along with it. This annual event brings with it the act of trying to decide what to do with any extra money that may soon to appear in my direct … Continue reading Handling That Pay Increase

Shouldn’t I Be Doing Something

Credit Card Debt? Gone. Car? Paid for. Bills? Payments are, for the most part, automated. Retirement Accounts? Getting funded more and more each year. Emergency Fund? Two months of expenses saved and on the way to way to three. Insurance? Life, health, dental, home, car, and personal liability...done. Discretionary Savings? All set up and getting … Continue reading Shouldn’t I Be Doing Something

Financial Physics: Why the Lock Unlocks

"Why does the lock unlock?" That was the question asked of our Health Physics crew one evening when I was co-op student working at a nuclear power plant when I was in college. (I was a Chemistry major in those days.) One of the technicians on the crew had earned his doctorate in Physics, and … Continue reading Financial Physics: Why the Lock Unlocks

Bad Plateaus

As you progress through the life of executing a financial plan, from time to time, you will notice some trends forming; some trends will be good and others will be bad. While most of the trends happening with my money these days are good, there was a time not too long ago that I noticed … Continue reading Bad Plateaus

So, You Think You Want an IRA

Not all retirement accounts are sponsored by our employers. There are a few reasons that we might consider opening an IRA. In this post, I will go over the 2 main types of IRA accounts, when to consider opening them, what you can invest in, and how to fund your IRA. IRAs...Who Needs Them? While … Continue reading So, You Think You Want an IRA