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 […]

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 […]

Finance Jerk Market Watch

In case you haven’t been paying attention, the stock market is on a roar lately. The rising tide is lifting most boats. This makes those who have money in the stock market feeling pretty giddy and the more seasoned among us looking at possible retirement dates. If only you were so lucky. The Finance Jerk […]

Pension Rollover Pains

The finance industry has never been my favorite.  While they provide a valuable service to other people, it seems like the people that benefit the most are the people who work in the financial industry.  As such, some of the smartest minds in our country go to wall street, not to solve problems that would […]

Pay your mortgage off before your kids are 12

Kids. Freeloaders.  I have 4 of them ages 5 months to 8 years old.  Their skill set is pretty limited.  The older two (8 and 6) can empty the dishwasher.  Sometimes they can even do it without stomping their feet and making grotesque apelike belly grumbles.  They cause our house and our cars to depreciate […]

Marriage, Divorce and Habits of the Rich

I’ve been watching (well lurking on Facebook really) the status updates of a great guy I used to know as he gets remarried.  Both he and his to-be-bride are coming to their new marriage after being single with kids for some time.  I’m thrilled for them. As I got more nosey, as I tend to […]