Are you afraid to spend a buck or afraid to save one? — Rarely have I gone a day over the past ten-plus years without reading, thinking, or writing about personal finance issues. At this point, I read stories nearly daily right here in this publication. There are many excellent writers here, and I aspire to be one, as well. One thing that…

My procrastination cost me! — I have been reading more frequently than writing on Medium for the past several weeks as I have been trying to deal with myriad family-related problems. The old adage that money Cannot Buy Happiness has been proven to me as a fact lately. …

Keeping up with ours is! — I have a sometimes annoying habit of beginning many of my stories by issuing disclaimers, and this one also does. My first disclaimer is that I am typically the one who preaches things like steadily Paying Ourselves First, working hard, and continuing to invest even when I am tens of…

Are You Familiar With the Concept of a Half-Life? — Are you familiar with the concept of a half-life? It is a scientific term used in reference to radioactivity, referring to the interval of time required for one-half of the atomic nuclei of a radioactive sample to decay (change spontaneously into other nuclear species by emitting particles and energy), or…

Pay Yourself First or You May Be Waiting Forever — Just as some writers on this platform write frequently about crypto, never retiring, or how it is better to rent your home than own it, I’m a guy who likes to write about paying yourself first. In my own case, I refer to it as “Paying Ourselves First” since my…

You work hard, but funding your IRA should be easy — Even if you are one of those folks wagering in high-risk, high-reward investments such as cryptocurrency, I would urge you to open a Roth IRA if you have not already done so. If you have, I strongly suggest that you fully fund it every year. It is nice to know…

When I tell people that I walk seven miles per day on average, they are typically at least a little bit impressed. I issue the disclaimer here that when it comes to those who are serious walkers, seven miles is not very impressive. I have a friend at work with…

Apparently, it is about $250 for me — I have been reading, listening, and thinking about personal finance matters for a loooong time! Investing too. Roughly twenty-eight years, since I was a mere twenty-four years of age and had just become an Adult Probation Officer in Chicago. How Old Were You? Some Do It For the First Time Earlier Than Othersmedium.com I have been a light sleeper, one could even say a…