Chapter 1

Happy Saturday! Saturday morning is the best time of the week. You have the whole weekend ahead of you! Freedom! If you wake up early on Saturday morning, you have the world to yourself. It’s so peaceful. Getting up early on Sunday morning is one of my favorite habits. You can do so much and … Read more

What is an HSA?

The HSA is the only account in the US tax code with all three tax breaks stacked: pre-tax in, tax-free growth, tax-free out. Most people use it wrong.

What is an Accredited Investor?

Investing · FAQ What is an Accredited Investor? The Criteria, the Why, and What to Do Next By Marcus · Updated April 2026 · 6 min read The short version An accredited investor is someone the SEC has decided is sophisticated enough to handle private market investments without the disclosure protections that govern public stocks. … Read more

End of the Year

end of the year

Your End of the Year Guide – Finish Strong and Plan for Next Year The end of the year can be a magical time. It’s a time to reflect on your accomplishments. It’s a time to slow down and catch your breath. Be clever this year, and avoid starting new projects. Take this time to … Read more

Google Fi Review

google fi review

A different kind of phone plan I use Google search every day. I use Gmail every day. I use Google Calendar and Google Keep every day. Now I can officially add cell phone service to that list of daily use. You got me Google. You got me good. Previously, I was a Verizon customer going on … Read more

Income Producing Assets

Financial freedom is not a net worth number. It’s a yield. Three buckets of income-producing assets, the math behind the engine, and how to build a portfolio that pays you while you do something else.

Flex Review

flex review

The App That Lets You Pay Rent On Your Schedule Housing for most Americans is the #1 expense category. A recent study from the Bureau of Labor Statistics shows housing is 35% of the average American’s annual expenses. It’s not getting any cheaper to be a homeowner or renter. Rent across America continues to rise … Read more

Money Is Not Everything

7 More Important Things The year 2020 changed the world forever. On a personal level, its sparked many respective days of thinking. I’m grateful for these days, they help bring things into perspective. The world is a fascinating place and there is much to think about.  I’ve been part of the FIRE movement for 3 … Read more

Kashkick Review

kashkick review

Take Surveys, Earn Cash, and Get Paid to Your Paypal What Is KashKick.com? Kashkick is an online rewarded discovery platform. It’s free to join and explore. As an end-user, you earn cash by completing surveys and offers featured on the platform. Kashkick is a website and does not have an android or iOS app. However, … Read more

Fiscally Responsible

Fiscally Responsible

Are You Fiscally Responsible? 13 proven habits to help get you there What does fiscally responsible mean? Government decision-making is a common use case for the term fiscal responsibility. Albeit, more so in theory than practice. A prudent goal of any government is to act with fiscal responsibility.  Balance taxation with spending. Enact monetary policies … Read more