Maximize employer 401k match

If you contributed the maximum 401k this year ($18,000 for those of us under 50) congratulate yourself!  You are on your way to a nice retirement and you’re doing your part to be financially prepared. But then stop celebrating and ask yourself:  Did I get the maximum employer match? You are allowed to contribute $18,000 […]

Who do you listen to?

Why would you take financial advice from someone who has filed for 2 bankruptcies, faced foreclosure, and had a mountain of debt? Perhaps you would if its because that person climbed out of that hole and you’re in that same hole and looking for a way out.  That’s the allure of people like Dave Ramsey, […]

6 ways to cut your expensive lifestyle to almost $0

Lately I’ve been reading some articles on how to cut down daily expenses and my own take is that they’re simply not aggressive enough.  I’ve given this some serious thought and have come up with a 6 step program that will really help you shed those daily costs.  If you really want to cut down […]

6 Things that will really help you retire early

I just read an article about 9 things people do to retire early.  I figured I would write some truth here, because the chances are you are not going to retire early even if you follow that advice.  (although, it probably won’t hurt)  The advise I will give here is not easy to follow, may […]

Oregon 529 plan and funding college

I’m staring down the barrel of college tuition.  My oldest turned 11 this month so the countdown continues.  We have about 7 years to prepare.  Its time to look at how we’re saving for her and the 3 kids that come after her! We have a 529 plan open for each of our children.  I started […]

Life after Dave Ramsey

I know many people who are fans of Dave Ramsey’s Baby Steps to Financial peace. The steps are: $1,000 to start an Emergency Fund Pay off all debt using the Debt Snowball 3 to 6 months of expenses in savings Invest 15% of household income into Roth IRAs and pre-tax retirement College Funding for the […]


I’m of the opinion that you should sell your RSUs as soon as they vest.  RSUs are restricted stock units.  Basically, they’re a way for your employer to give you money but not give you money.  They’re a way for them to give you a carrot to make you want to stick around. For example, […]

The Program – Stage 1: January

For the last 5 years or so when my relatives ask me what my diet is, I respond saying: I’m not on a diet.  “I’m on the program.  The program is a way of life.  A diet is just a passing phase.”  Its been a joke because the program is whatever I want it to […]

2014 Year in Review

Great year!  Much was accomplished.  Let’s go through the great things that happened and discoveries.  I hope it was great for you too! 2014 Awesomeness 1. Mortgage Payoff Can’t stress enough how cool this is.  We are so fortunate to be able to say that we did it.  The key to it?  Focus.  Seems that […]