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hsa health savings account

The Health Savings Account Guide + the Secret to its Wealth-Building Power

Several years ago, I was floored when my health insurance premiums topped $500. Oh, for the good old days. Last year, I paid over $700 per month. Recently, I gingerly opened next year’s health insurance estimate to discover that in 2019, I’ll pay more than $800 per month. And my health insurance plan has a deductible of thousands of dollars. Which means that before the health insurance company pays a reasonable percent of my health care expenses, I shell out thousands of dollars.

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jerome powell

Investing & the Fed: How Will my Investments be Impacted?

The Fed and My Investments-Will They Go Up or Down? Whispers abound that the Fed intends to lower interest rates. Even a hint of declining interest rates can cause the stock market to rise. Learn about how interest rate movements can impact your investments. Investing is both science and art. One can do everything right and still watch their investments fall. That is because as much as we might  believe to the contrary, investors are not completely rational. Read any behavioral finance book a…

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credit score to buy a house

What Credit Score do I Need to Buy a House?

Buying a House? Improve Your Credit First There’s not an easy answer to the question, “What credit score do I need to buy a house?”To buy a house, you need to borrow money from a lender, and that lender wants to make sure that you’ll pay the money back in a timely manner. The lender will check out your credit score before deciding whether to lend you money to buy a house and also to decide what interest rate to charge.  When shopping for a mortgage, it’s all about the interest rate.Your mortg…

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penny compounding daily

Best Investing Reading, Learning + Listening – Free

Spring is the perfect time to improve your financial health.Following is a list of learning opportunities for you to listen and learn about important finance and investing topics. From how to invest an inheritance to index funds and an invitation to a free “Wealth Warrior Summit” there’s an opportunity for everyone.First are several of my recent podcast appearances.Next, the free Wealth Warrior Summit is an opportunity to learn from various experts about how to build wealth.

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values and money

Values and Money – Are Yours Money-Makers or Money-Losers?

Values and Money Impact Whether You’ll be Wealthy or Not “Values are the principles that guide you through every day, every task, and every encounter with another human being; even if you are unaware of what those values are.” By Richard Bolles in What Color is Your Parachute? In another lifetime, when I worked as a career counselor, Bolles work influenced me in many ways. His wisdom far surpasses the career field and invades every aspect of life. Values and money are inextricably intertwined…

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Why to schedule and investing premortem

Use the Premortem to Prevent Investing Mistakes

Do a Premortem to Avoid the ‘Buy High – Sell Low’ Problem We’ve all heard the old adage: Buy low – sell high But how many investors actually follow this ‘best investing practice’? Turns out, there are reams of data about how investors consistently make this big investing mistake; buy high and sell low. You’ll learn about how this happens, and how to counteract this wealth reducing investing strategy.

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texas mortgage

5 Things You Should Know Before Getting a Mortgage in Texas

Take These Steps Before You Buy a Home So you’re thinking of buying a home in Texas—congratulations! Between Texas mortgage payment calculators, reality agreements, and FICO scores, there is a host of information to process as you make your home ownership dreams a reality. Getting a mortgage in Texas is easy – if you follow these tips! Buying a house is an exciting and nerve-wracking time, but these 5 tips will take the mystery out of the Texas mortgage process. 1. Know Your Finances Before Y…

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How freelancers can turn freelance income into a robust $19,000+ passive income stream

How to Turn Freelance Income Into a Robust Passive Income Stream

3+ Ways Freelancers Can Earn Passive Income Are you a freelancer or solopreneur consultant? Do you worry that, when you’re not working, you don’t get paid? Find out how a freelancer can create a passive income stream for the future. A recent survey by the Freelancers Union found that 53 million Americans are now freelancers. In fact, one in three workers are freelancing. The difference between many freelancers/solopreneurs and salaried workers is that if you receive a salary and you want to t…

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