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 […]

2013 year in review

It was a rough year for a lot of people.  I guess most years are.  This year was particularly trying for several family members and neighbors.  But I hope most people feel as I do that the good outweighed the bad.  For every death there was a birth to celebrate.  For every divorce there was […]

The system is rigged against you

Life is pain, highness. Anyone who says differently is selling something. “Life isn’t fair” – Your mom  probably told you this a lot when you were growing up.  And to this day it still doesn’t make a lot of sense to most of us.  Why is it some people get it all?  A stellar hand, […]


One of the greatest thing my wife teaches me every day is the value of consistency.  It doesn’t matter the talent you have, what really brings out desired goals and results is consistent practice of the fundamentals.  It can be mind numbing, but the results are amazing. This summer my 2nd child has really gotten […]

Milestones for wealth accumulation by age

If you have any hope to make it on the slow, standard, conservative road to wealth then I’m giving you the recipe for success right here.  The road is long. It will be boring.  Its done by getting a middle class job and and adhering to discipline of money saving.  See where you are on […]

Gifts to spouses

My wife and I don’t buy gifts for each other for birthdays, holidays, or Christmas.  This is something we’ve done ever since the Christmas before we were married.  We don’t have any religious feelings about the subject, we just look at it differently.  After all, why should we be expected to buy things for those […]

New Year!

Happy 2013!  I came home from a fun party early to get my 6 month year old baby to sleep!  Its been fun just sitting at home in the quietness playing guitar waiting for the rest of my crew to get home.  Hurray for mellow new years eves! 2013, let me tell you what I […]