Articles by Money in the 20s

  • Money Talks: No Time Like the Present

    Money Talks: No Time Like the Present

    by on June 25th, 2014

    I came across a quote the other day that I really enjoyed. “The best time to plant an oak tree is 15 years ago. The second best time is today.” It struck me as such a good way to look at life. I know it’s … Read More

  • This Is Why You Plan for Retirement

    This Is Why You Plan for Retirement

    by on June 10th, 2014

    My grandmother is part of the greatest generation. She was born at the tail end of the roaring 20s, was entering kindergarten as the Great Depression struck, and came of age during World War II. Her husband attended … Read More

  • Planning on How to Fund Your Kids’ Education

    Planning on How to Fund Your Kids’ Education

    by on April 21st, 2014

    I’m going to just get this out of the way. Currently, I am not saving anything for my kid’s college education. I have two kids, 2 and 6. I’m not heartless and I do have a plan. Let me explain. In our current … Read More

  • Doing Retirement Calculations

    Doing Retirement Calculations

    by on April 4th, 2014

    I have mentioned a couple of times in recent posts that I would talk about how I calculate my retirement nest egg, well today is the day. It was probably about 5 years ago, that I wanted to seriously analyze my … Read More

  • Would You Cash in an Annuity?

    Would You Cash in an Annuity?

    by on March 18th, 2014

    Have you seen all of those commercials on day time TV about getting a lump sum from an annuity or structured settlement? Generally, you will receive more money overall if you take it over time. But there are emergency … Read More

  • My Paycheck is Changing

    My Paycheck is Changing

    by on January 8th, 2014

    For me, there is usually only two times per year that my paycheck will change, January and April. The January changes are the result of benefit changes for that year and the April changes are the result of any salary … Read More

  • How to Progress Your Finances

    How to Progress Your Finances

    by on December 21st, 2013

    One weekend recently, I needed to take my car in for some repairs. I have an older car, 12-years old with almost 150,000 miles on it. It didn’t need a tremendous amount of work done, a couple of new front tires, oil … Read More

  • Long-Term Disability Insurance

    Long-Term Disability Insurance

    by on December 7th, 2013

    I’m going to talk about something mundane, long-term disability insurance (LTD). I know, I know, you are probably thinking, “Great, someone else telling me I need the insurance.” I am not going to go into the … Read More

  • How Does My Spending Stack Up?

    How Does My Spending Stack Up?

    by on November 16th, 2013

    I came across this article on spending a little while back. Naturally, I was curious how I compared with the averages. I perform a similar break-down at the end of every year, so that I can see where my money is going. … Read More

  • SMART Financial Goals: Don’t Be Intimidated by Large Numbers

    SMART Financial Goals: Don’t Be Intimidated by Large Numbers

    by on October 30th, 2013

    When I was reviewing my retirement projections the other day, which is another post for another day, I was thinking that the end number can be intimidating for some people. The same could be said for creating an … Read More

  • Financial Flexibility

    Financial Flexibility

    by on October 3rd, 2013

    There were a couple times during the last few weeks when I noticed what financial flexibility can mean in real life. What I mean by financial flexibility, is the ability to do whatever you want whenever you want and … Read More

  • The Proverbial Bus

    The Proverbial Bus

    by on September 18th, 2013

    For the second time in my life, I’ve had to sort out someone’s financial affairs after they passed away. If you’ve never had to do this, consider yourself lucky. It’s not an easy thing to do and it isn’t any … Read More

  • What Happened to My Bonus?

    What Happened to My Bonus?

    by on September 4th, 2013

    What happened to my bonus? That was my first thought when I saw what was left of my first bonus check. Quite a few years have passed since then and I have learned more about how income taxes work. Having that knowledge … Read More

  • Homogamy, or “Why Your Marriage Will Be Boring?”

    Homogamy, or “Why Your Marriage Will Be Boring?”

    by on August 20th, 2013

    Right now, I’m reading a fascinating – albeit highly controversial – book about American culture. It’s “Coming Apart: The State of White America, 1960-2010″ by Charles Murray. I picked it up on a whim at the … Read More