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GET RICH SLOWLY
Common sense advice and money saving tips on topics from high interest savings accounts, frugality, cd rates, money market accounts, mortgage rates, how to get out of debt, money management and more. A BRIEF HISTORY OF U.S. HOMEOWNERSHIP THOUGHTS ON SYSTEMIC POVERTY, FAULT, AND Systemic poverty is a real issue in the United States. Nobody wants to be poor, but there are systems that make economic mobility difficultto escape.
WHO INVENTED THE INDEX FUND? A BRIEF (TRUE) HISTORY OF General Disclaimer: Get Rich Slowly is an independent website managed by J.D. Roth, who is not a trained financial expert. His knowledge comes from the school of hard knocks. He does his best to provide accurate, useful info, but makes no guarantee that all 4 SIGNS YOU'RE OVER YOUR JOB & 5 THINGS YOU CAN DO ABOUT IT Over the summer, I read a book that likened a miserable job to hanging onto the edge of a cliff. I thought it was an appropriate analogy. Like most people, I've been there, and that's totally what it feels like. You know you have to let go, but letting go is scary. THE THRILL OF PAYING OFF A MORTGAGE A few weeks ago, J.D. and I were chatting when he asked me what it felt like to be debt-free. He'd read on my blog that I had no debt and was curious if I'd write about it for Get Rich Slowly. In particular, he asked me to communicate both how I managed to pay off my mortgage (the biggest debt most people have) as well as how it felt when we didso.
EXPLORING THE U.S. BY RV: THE PRICE OF ADVENTURE Two years ago, my girlfriend and I returned home from a 15-month trip around the U.S. in an RV. Here (with photos) is a look at how muchthat trip cost.
HOW TO CHECK YOUR SOCIAL SECURITY BENEFITS ONLINE ~ GET Last week, I drove out to the box factory to see my brother Jeff and my cousin Nick. Ostensibly, I made the trip to check up on Mom's financial situation.Really, though, it was an excuse to spend three hours chatting about nothing and everything all at once.SCRATCH BEGINNINGS
Acknowledgments There are a number of people that deserve more than a simple “thanks” for their assistance in the writing of this book. First shout-outs to Amy Brust and Nicki Jhabvala, who turned an IS $10 MILLION ENOUGH TO NEVER WORRY ABOUT MONEY AGAIN In 2006, J.D. founded Get Rich Slowly to document his quest to get out of debt.Over time, he learned how to save and how to invest.Today, he's managed to reach early retirement! He wants to help you master your money — and your life.GET RICH SLOWLY
Common sense advice and money saving tips on topics from high interest savings accounts, frugality, cd rates, money market accounts, mortgage rates, how to get out of debt, money management and more. A BRIEF HISTORY OF U.S. HOMEOWNERSHIP THOUGHTS ON SYSTEMIC POVERTY, FAULT, AND Systemic poverty is a real issue in the United States. Nobody wants to be poor, but there are systems that make economic mobility difficultto escape.
WHO INVENTED THE INDEX FUND? A BRIEF (TRUE) HISTORY OF General Disclaimer: Get Rich Slowly is an independent website managed by J.D. Roth, who is not a trained financial expert. His knowledge comes from the school of hard knocks. He does his best to provide accurate, useful info, but makes no guarantee that all 4 SIGNS YOU'RE OVER YOUR JOB & 5 THINGS YOU CAN DO ABOUT IT Over the summer, I read a book that likened a miserable job to hanging onto the edge of a cliff. I thought it was an appropriate analogy. Like most people, I've been there, and that's totally what it feels like. You know you have to let go, but letting go is scary. THE THRILL OF PAYING OFF A MORTGAGE A few weeks ago, J.D. and I were chatting when he asked me what it felt like to be debt-free. He'd read on my blog that I had no debt and was curious if I'd write about it for Get Rich Slowly. In particular, he asked me to communicate both how I managed to pay off my mortgage (the biggest debt most people have) as well as how it felt when we didso.
EXPLORING THE U.S. BY RV: THE PRICE OF ADVENTURE Two years ago, my girlfriend and I returned home from a 15-month trip around the U.S. in an RV. Here (with photos) is a look at how muchthat trip cost.
HOW TO CHECK YOUR SOCIAL SECURITY BENEFITS ONLINE ~ GET Last week, I drove out to the box factory to see my brother Jeff and my cousin Nick. Ostensibly, I made the trip to check up on Mom's financial situation.Really, though, it was an excuse to spend three hours chatting about nothing and everything all at once.SCRATCH BEGINNINGS
Acknowledgments There are a number of people that deserve more than a simple “thanks” for their assistance in the writing of this book. First shout-outs to Amy Brust and Nicki Jhabvala, who turned an IS $10 MILLION ENOUGH TO NEVER WORRY ABOUT MONEY AGAIN In 2006, J.D. founded Get Rich Slowly to document his quest to get out of debt.Over time, he learned how to save and how to invest.Today, he's managed to reach early retirement! He wants to help you master your money — and your life. FINDING PURPOSE: 12 EXERCISES TO HELP YOU DISCOVER PURPOSE I read and write a lot about discovering purpose and passion. Here are 12 of the best exercises I've found to help people find meaning intheir lives.
EXPLORING THE U.S. BY RV: THE PRICE OF ADVENTURE Two years ago, my girlfriend and I returned home from a 15-month trip around the U.S. in an RV. Here (with photos) is a look at how muchthat trip cost.
YOUR LIFETIME WEALTH RATIO (AND HOW TO CALCULATE IT) According to the my Social Security account, my lifetime wealth ratio is about 14x. Of course, that’s because the vast majority of my net worth has been from my pay as a grad student (and then investing the savings), which is not subject to social security or medicare taxes! WHICH MATTERS MORE FOR BUILDING WEALTH: YOUR SAVING RATE Zach is a personal finance blogger, an avid weightlifter, and a lover of data visualization. He was personally able to save $100,000 by age 24 through saving 60% or more of his income each month for two yearsstraight.
15 THINGS YOU NEED TO KNOW ABOUT FINANCIAL AID Timothy M. Hayes, MBA, CFP®,is the founder and President of Landmark Financial Advisory Services, a member of the Garrett Planning Network of fee-only advisors, and an expert in navigating the financial-aid application process. Every January, students and their parents face the daunting prospect of preparing the various financial-aid applications that are required to be submitted in order to WHY NEWRETIREMENT IS MY FAVORITE RETIREMENT PLANNING TOOL Over the past week, I've shared two terrific retirement planning tools. First, I explored the pros and cons of Personal Capital.Next, I looked at OnTrajectory, which is the best traditional retirement calculator I've found. Today, I want to talk about NewRetirement.Since I discovered it two years ago, NewRetirement has become my favorite tool for retirement planning. SHOULD YOU GIVE MONEY TO YOUR ADULT CHILDREN? ~ GET RICH Sharon, you are telling my story. All his life, my 45-year-old son has hit us up for money. He has a college degree, an excellent personality, had great success in sales early on–until he decided every boss is an ignorant asshole who has no idea how to run abusiness.
WHY I STILL PICK UP PENNIES But folks, we're surrounded by bugs. Doorknobs, vending machines, women's purses, shopping carts, bus seats, yoga mats and libraries are crawling with cooties. So are our children and our pets. (Elementary schools are Petri dishes for rhinoviruses. 5 CAR MAINTENANCE SERVICES YOU CAN GET FOR FREE Kristin Wong is a freelance blogger who frequently writes about relationships for MSN’s The Heart Beat blog. After paying off her student loan debt, Kristin decided it was time to pursue her dream and also put her English degree to use. WHITEFENCE HELPS YOU FIND DEALS ON UTILITIES WhiteFence allconnect is a web-based service that allows users to use the internet to find better deals. Here's more about them:GET RICH SLOWLY
Hi, I’m J.D. Roth. I started Get Rich Slowly in 2006 to share what I learned as I dug out of debt. Today, I’ve reached early retirement. I’m here to show you how to master your money — and your life. We frequently publish new articles about how to master your money — andyour life. Here are
EXPLORING THE U.S. BY RV: THE PRICE OF ADVENTURE Obviously, we were spending an extra $50 to $60 per day, or about $25 to $30 per person. This includes food and fun but it does not include the cost of the RV and/or maintenance. (Our net cost for the RV was $10,000 — $38,000 purchase price, $28,000 sale price — WHY YOU SHOULD RUN YOUR LIFE LIKE A BUSINESS ~ GET RICH SLOWLY Calculating Net Worth. My goal at Get Rich Slowly is to teach you how to run your life like a business. I want you to earn enormous profits so that you can use the money to do whatever it is you dream of doing. But just as Harlan and I had to start at the very beginning, you will too. Next week, we'll talk about where to start. THOUGHTS ON SYSTEMIC POVERTY, FAULT, AND Yes, it's true: The economic effects of slavery are still being felt today, more than 150 years after the institution was abolished in this country. According to the U.S. Census Bureau, the poverty rate for white Americans in 2010 was 11.6%. The poverty rate for black Americans was 25.8%. YOUR LIFETIME WEALTH RATIO (AND HOW TO CALCULATE IT) Lifetime Wealth Ratio = Your Net Worth / Your Lifetime Income. In pain English, your lifetime wealth ratio (or LWR) compares how much you have today with how much you've earned during your time in the workforce. It's a way to look at the wealth you've created and gauge how well you've done at keeping that wealth. 4 SIGNS YOU'RE OVER YOUR JOB & 5 THINGS YOU CAN DO ABOUT IT 4. You Feel Stuck. It's a terrible feeling: the desire to move forward when your current situation is holding you back. You feel captive, and the more captive you feel, the more frustrated you get. To me, this is the primary sign it's time to let go. I don't cope well with feelingstuck.
THE THRILL OF PAYING OFF A MORTGAGE A few weeks ago, J.D. and I were chatting when he asked me what it felt like to be debt-free. He'd read on my blog that I had no debt and was curious if I'd write about it for Get Rich Slowly. In particular, he asked me to communicate both how I managed to pay off my mortgage (the biggest debt most people have) as well as how it felt when we didso.
SCRATCH BEGINNINGS
Acknowledgments There are a number of people that deserve more than a simple “thanks” for their assistance in the writing of this book. First shout-outs to Amy Brust and Nicki Jhabvala, who turned an WHY I STILL PICK UP PENNIES Occasionally I find paper money, usually one-dollar bills. This year was unusual because I found a $10 and a $20 bill along with 23 quarters, 52 dimes, 15 nickels and 288 pennies. I can cite the particulars because I save my found money all year, in a vase that my daughter gave me when she was in third or fourth grade. SEP IRA VS. SELF-EMPLOYED 401(K) After Fidelity sent me some info on self-employed 401 (k) plans, I inquired about the SEP IRA. I found out that, while both plans have a cap of $53,000 (for 2016), the 401 (k) allows you to contribute more of your salary below that cap. For 2017, the cap will be $54,000 forthe SEP IRA.
GET RICH SLOWLY
Hi, I’m J.D. Roth. I started Get Rich Slowly in 2006 to share what I learned as I dug out of debt. Today, I’ve reached early retirement. I’m here to show you how to master your money — and your life. We frequently publish new articles about how to master your money — andyour life. Here are
EXPLORING THE U.S. BY RV: THE PRICE OF ADVENTURE Obviously, we were spending an extra $50 to $60 per day, or about $25 to $30 per person. This includes food and fun but it does not include the cost of the RV and/or maintenance. (Our net cost for the RV was $10,000 — $38,000 purchase price, $28,000 sale price — WHY YOU SHOULD RUN YOUR LIFE LIKE A BUSINESS ~ GET RICH SLOWLY Calculating Net Worth. My goal at Get Rich Slowly is to teach you how to run your life like a business. I want you to earn enormous profits so that you can use the money to do whatever it is you dream of doing. But just as Harlan and I had to start at the very beginning, you will too. Next week, we'll talk about where to start. THOUGHTS ON SYSTEMIC POVERTY, FAULT, AND Yes, it's true: The economic effects of slavery are still being felt today, more than 150 years after the institution was abolished in this country. According to the U.S. Census Bureau, the poverty rate for white Americans in 2010 was 11.6%. The poverty rate for black Americans was 25.8%. YOUR LIFETIME WEALTH RATIO (AND HOW TO CALCULATE IT) Lifetime Wealth Ratio = Your Net Worth / Your Lifetime Income. In pain English, your lifetime wealth ratio (or LWR) compares how much you have today with how much you've earned during your time in the workforce. It's a way to look at the wealth you've created and gauge how well you've done at keeping that wealth. 4 SIGNS YOU'RE OVER YOUR JOB & 5 THINGS YOU CAN DO ABOUT IT 4. You Feel Stuck. It's a terrible feeling: the desire to move forward when your current situation is holding you back. You feel captive, and the more captive you feel, the more frustrated you get. To me, this is the primary sign it's time to let go. I don't cope well with feelingstuck.
THE THRILL OF PAYING OFF A MORTGAGE A few weeks ago, J.D. and I were chatting when he asked me what it felt like to be debt-free. He'd read on my blog that I had no debt and was curious if I'd write about it for Get Rich Slowly. In particular, he asked me to communicate both how I managed to pay off my mortgage (the biggest debt most people have) as well as how it felt when we didso.
SCRATCH BEGINNINGS
Acknowledgments There are a number of people that deserve more than a simple “thanks” for their assistance in the writing of this book. First shout-outs to Amy Brust and Nicki Jhabvala, who turned an WHY I STILL PICK UP PENNIES Occasionally I find paper money, usually one-dollar bills. This year was unusual because I found a $10 and a $20 bill along with 23 quarters, 52 dimes, 15 nickels and 288 pennies. I can cite the particulars because I save my found money all year, in a vase that my daughter gave me when she was in third or fourth grade. SEP IRA VS. SELF-EMPLOYED 401(K) After Fidelity sent me some info on self-employed 401 (k) plans, I inquired about the SEP IRA. I found out that, while both plans have a cap of $53,000 (for 2016), the 401 (k) allows you to contribute more of your salary below that cap. For 2017, the cap will be $54,000 forthe SEP IRA.
EXPLORING THE U.S. BY RV: THE PRICE OF ADVENTURE Obviously, we were spending an extra $50 to $60 per day, or about $25 to $30 per person. This includes food and fun but it does not include the cost of the RV and/or maintenance. (Our net cost for the RV was $10,000 — $38,000 purchase price, $28,000 sale price — WHICH MATTERS MORE FOR BUILDING WEALTH: YOUR SAVING RATE This means 93% ($10,000 / $10,700) of your net worth growth came from savings and only 7% ($700 / $10,700) came from investment returns. In year two, you invest another $10,000 and again earn a 7% return. This year you would earn $1,449 ( ($10,700 + $10,000) * 7%) from investment returns. This means 87% ($10,000 / $11,449) of your net worth FIVE SHORT ANECDOTES ABOUT MONEY In 2006, J.D. founded Get Rich Slowly to document his quest to get out of debt.Over time, he learned how to save and how to invest.Today, he's managed to reach early retirement! He wants to help you master your money — and your life. EFFECTIVE TAX RATES IN THE UNITED STATES Here's a summary graph ( not the main visualization): As you can see, on average the top 1% of income earners in the U.S. have a state effective tax rate of 7.4%. The middle 60% of U.S. workers have a state effective tax rate of around 10%. And the bottom 20% of income earners (which Visual Capitalist incorrectly labels “poorestAmericans
WHY NEWRETIREMENT IS MY FAVORITE RETIREMENT PLANNING TOOL Over the past week, I've shared two terrific retirement planning tools. First, I explored the pros and cons of Personal Capital.Next, I looked at OnTrajectory, which is the best traditional retirement calculator I've found. Today, I want to talk about NewRetirement.Since I discovered it two years ago, NewRetirement has become my favorite tool for retirement planning. HOW MUCH IS ENOUGH? ON AVERAGE, ABOUT $75,000 PER YEAR About $80,000 a year. Since we live in a fairly high cost-of-living city, so this number is well within range of the $75,000 Princeton's scientists came up with when looking at the whole country. The number is beside the point, though. What matters is the exercise of understanding your priorities, and knowing what your dreams cost. WHITEFENCE HELPS YOU FIND DEALS ON UTILITIES WhiteFence is a free service that helps people who are moving or looking to find the best deals on phone, internet, television, electricity, natural gas and other home services. By simply entering a street address into the secure site, people looking to save money or start new service can find the most comprehensive list of plansavailable for
WHY I STILL PICK UP PENNIES Occasionally I find paper money, usually one-dollar bills. This year was unusual because I found a $10 and a $20 bill along with 23 quarters, 52 dimes, 15 nickels and 288 pennies. I can cite the particulars because I save my found money all year, in a vase that my daughter gave me when she was in third or fourth grade. HOURLY VS. SALARY: WHICH IS BETTER? ~ GET RICH SLOWLY Often salaried positions come with a higher status and/or a jump on the pay scale. Salaried employees might be happier, according to a study published in Personality and Social Psychology Bulletin. Researchers found that income didn't affect happiness levels as much for salaried employees as for those paid hourly. 5 CAR MAINTENANCE SERVICES YOU CAN GET FOR FREE Pep Boys offers this service, and so do AutoZone, Firestone and Advance Auto Parts. According to AutoZone's website, they will also charge your battery for free: “We have a Duralast Fast Charger that can charge your battery for free while you wait. The fast charger charges 12-volt batteries in about 30 minutes.”.GET RICH SLOWLY
Hi, I’m J.D. Roth. I started Get Rich Slowly in 2006 to share what I learned as I dug out of debt. Today, I’ve reached early retirement. I’m here to show you how to master your money — and your life. We frequently publish new articles about how to master your money — andyour life. Here are
EXPLORING THE U.S. BY RV: THE PRICE OF ADVENTURE Obviously, we were spending an extra $50 to $60 per day, or about $25 to $30 per person. This includes food and fun but it does not include the cost of the RV and/or maintenance. (Our net cost for the RV was $10,000 — $38,000 purchase price, $28,000 sale price — WHY YOU SHOULD RUN YOUR LIFE LIKE A BUSINESS ~ GET RICH SLOWLY Calculating Net Worth. My goal at Get Rich Slowly is to teach you how to run your life like a business. I want you to earn enormous profits so that you can use the money to do whatever it is you dream of doing. But just as Harlan and I had to start at the very beginning, you will too. Next week, we'll talk about where to start. THOUGHTS ON SYSTEMIC POVERTY, FAULT, AND Yes, it's true: The economic effects of slavery are still being felt today, more than 150 years after the institution was abolished in this country. According to the U.S. Census Bureau, the poverty rate for white Americans in 2010 was 11.6%. The poverty rate for black Americans was 25.8%. YOUR LIFETIME WEALTH RATIO (AND HOW TO CALCULATE IT) Lifetime Wealth Ratio = Your Net Worth / Your Lifetime Income. In pain English, your lifetime wealth ratio (or LWR) compares how much you have today with how much you've earned during your time in the workforce. It's a way to look at the wealth you've created and gauge how well you've done at keeping that wealth. 4 SIGNS YOU'RE OVER YOUR JOB & 5 THINGS YOU CAN DO ABOUT IT 4. You Feel Stuck. It's a terrible feeling: the desire to move forward when your current situation is holding you back. You feel captive, and the more captive you feel, the more frustrated you get. To me, this is the primary sign it's time to let go. I don't cope well with feelingstuck.
THE THRILL OF PAYING OFF A MORTGAGE A few weeks ago, J.D. and I were chatting when he asked me what it felt like to be debt-free. He'd read on my blog that I had no debt and was curious if I'd write about it for Get Rich Slowly. In particular, he asked me to communicate both how I managed to pay off my mortgage (the biggest debt most people have) as well as how it felt when we didso.
SCRATCH BEGINNINGS
Acknowledgments There are a number of people that deserve more than a simple “thanks” for their assistance in the writing of this book. First shout-outs to Amy Brust and Nicki Jhabvala, who turned an WHY I STILL PICK UP PENNIES Occasionally I find paper money, usually one-dollar bills. This year was unusual because I found a $10 and a $20 bill along with 23 quarters, 52 dimes, 15 nickels and 288 pennies. I can cite the particulars because I save my found money all year, in a vase that my daughter gave me when she was in third or fourth grade. SEP IRA VS. SELF-EMPLOYED 401(K) After Fidelity sent me some info on self-employed 401 (k) plans, I inquired about the SEP IRA. I found out that, while both plans have a cap of $53,000 (for 2016), the 401 (k) allows you to contribute more of your salary below that cap. For 2017, the cap will be $54,000 forthe SEP IRA.
GET RICH SLOWLY
Hi, I’m J.D. Roth. I started Get Rich Slowly in 2006 to share what I learned as I dug out of debt. Today, I’ve reached early retirement. I’m here to show you how to master your money — and your life. We frequently publish new articles about how to master your money — andyour life. Here are
EXPLORING THE U.S. BY RV: THE PRICE OF ADVENTURE Obviously, we were spending an extra $50 to $60 per day, or about $25 to $30 per person. This includes food and fun but it does not include the cost of the RV and/or maintenance. (Our net cost for the RV was $10,000 — $38,000 purchase price, $28,000 sale price — WHY YOU SHOULD RUN YOUR LIFE LIKE A BUSINESS ~ GET RICH SLOWLY Calculating Net Worth. My goal at Get Rich Slowly is to teach you how to run your life like a business. I want you to earn enormous profits so that you can use the money to do whatever it is you dream of doing. But just as Harlan and I had to start at the very beginning, you will too. Next week, we'll talk about where to start. THOUGHTS ON SYSTEMIC POVERTY, FAULT, AND Yes, it's true: The economic effects of slavery are still being felt today, more than 150 years after the institution was abolished in this country. According to the U.S. Census Bureau, the poverty rate for white Americans in 2010 was 11.6%. The poverty rate for black Americans was 25.8%. YOUR LIFETIME WEALTH RATIO (AND HOW TO CALCULATE IT) Lifetime Wealth Ratio = Your Net Worth / Your Lifetime Income. In pain English, your lifetime wealth ratio (or LWR) compares how much you have today with how much you've earned during your time in the workforce. It's a way to look at the wealth you've created and gauge how well you've done at keeping that wealth. 4 SIGNS YOU'RE OVER YOUR JOB & 5 THINGS YOU CAN DO ABOUT IT 4. You Feel Stuck. It's a terrible feeling: the desire to move forward when your current situation is holding you back. You feel captive, and the more captive you feel, the more frustrated you get. To me, this is the primary sign it's time to let go. I don't cope well with feelingstuck.
THE THRILL OF PAYING OFF A MORTGAGE A few weeks ago, J.D. and I were chatting when he asked me what it felt like to be debt-free. He'd read on my blog that I had no debt and was curious if I'd write about it for Get Rich Slowly. In particular, he asked me to communicate both how I managed to pay off my mortgage (the biggest debt most people have) as well as how it felt when we didso.
SCRATCH BEGINNINGS
Acknowledgments There are a number of people that deserve more than a simple “thanks” for their assistance in the writing of this book. First shout-outs to Amy Brust and Nicki Jhabvala, who turned an WHY I STILL PICK UP PENNIES Occasionally I find paper money, usually one-dollar bills. This year was unusual because I found a $10 and a $20 bill along with 23 quarters, 52 dimes, 15 nickels and 288 pennies. I can cite the particulars because I save my found money all year, in a vase that my daughter gave me when she was in third or fourth grade. SEP IRA VS. SELF-EMPLOYED 401(K) After Fidelity sent me some info on self-employed 401 (k) plans, I inquired about the SEP IRA. I found out that, while both plans have a cap of $53,000 (for 2016), the 401 (k) allows you to contribute more of your salary below that cap. For 2017, the cap will be $54,000 forthe SEP IRA.
EXPLORING THE U.S. BY RV: THE PRICE OF ADVENTURE Obviously, we were spending an extra $50 to $60 per day, or about $25 to $30 per person. This includes food and fun but it does not include the cost of the RV and/or maintenance. (Our net cost for the RV was $10,000 — $38,000 purchase price, $28,000 sale price — WHICH MATTERS MORE FOR BUILDING WEALTH: YOUR SAVING RATE This means 93% ($10,000 / $10,700) of your net worth growth came from savings and only 7% ($700 / $10,700) came from investment returns. In year two, you invest another $10,000 and again earn a 7% return. This year you would earn $1,449 ( ($10,700 + $10,000) * 7%) from investment returns. This means 87% ($10,000 / $11,449) of your net worth FIVE SHORT ANECDOTES ABOUT MONEY In 2006, J.D. founded Get Rich Slowly to document his quest to get out of debt.Over time, he learned how to save and how to invest.Today, he's managed to reach early retirement! He wants to help you master your money — and your life. EFFECTIVE TAX RATES IN THE UNITED STATES Here's a summary graph ( not the main visualization): As you can see, on average the top 1% of income earners in the U.S. have a state effective tax rate of 7.4%. The middle 60% of U.S. workers have a state effective tax rate of around 10%. And the bottom 20% of income earners (which Visual Capitalist incorrectly labels “poorestAmericans
WHY NEWRETIREMENT IS MY FAVORITE RETIREMENT PLANNING TOOL Over the past week, I've shared two terrific retirement planning tools. First, I explored the pros and cons of Personal Capital.Next, I looked at OnTrajectory, which is the best traditional retirement calculator I've found. Today, I want to talk about NewRetirement.Since I discovered it two years ago, NewRetirement has become my favorite tool for retirement planning. HOW MUCH IS ENOUGH? ON AVERAGE, ABOUT $75,000 PER YEAR About $80,000 a year. Since we live in a fairly high cost-of-living city, so this number is well within range of the $75,000 Princeton's scientists came up with when looking at the whole country. The number is beside the point, though. What matters is the exercise of understanding your priorities, and knowing what your dreams cost. WHITEFENCE HELPS YOU FIND DEALS ON UTILITIES WhiteFence is a free service that helps people who are moving or looking to find the best deals on phone, internet, television, electricity, natural gas and other home services. By simply entering a street address into the secure site, people looking to save money or start new service can find the most comprehensive list of plansavailable for
WHY I STILL PICK UP PENNIES Occasionally I find paper money, usually one-dollar bills. This year was unusual because I found a $10 and a $20 bill along with 23 quarters, 52 dimes, 15 nickels and 288 pennies. I can cite the particulars because I save my found money all year, in a vase that my daughter gave me when she was in third or fourth grade. HOURLY VS. SALARY: WHICH IS BETTER? ~ GET RICH SLOWLY Often salaried positions come with a higher status and/or a jump on the pay scale. Salaried employees might be happier, according to a study published in Personality and Social Psychology Bulletin. Researchers found that income didn't affect happiness levels as much for salaried employees as for those paid hourly. 5 CAR MAINTENANCE SERVICES YOU CAN GET FOR FREE Pep Boys offers this service, and so do AutoZone, Firestone and Advance Auto Parts. According to AutoZone's website, they will also charge your battery for free: “We have a Duralast Fast Charger that can charge your battery for free while you wait. The fast charger charges 12-volt batteries in about 30 minutes.”.GET RICH SLOWLY
Hi, I’m J.D. Roth. I started Get Rich Slowly in 2006 to share what I learned as I dug out of debt. Today, I’ve reached early retirement. I’m here to show you how to master your money — and your life. We frequently publish new articles about how to master your money — andyour life. Here are
FREE RETIREMENT PLANNING GUIDE ~ GET RICH SLOWLY Next, Vanguard's retirement planning guide spends six pages exploring the risks of retirement and how to mitigate them. According to Vanguard, there are five primary risks in retirement: Market risk, the possibility of losing purchasing power due to movements in the financial markets. Health risk, a combination of your physicalcondition and
FIVE SHORT ANECDOTES ABOUT MONEY In 2006, J.D. founded Get Rich Slowly to document his quest to get out of debt.Over time, he learned how to save and how to invest.Today, he's managed to reach early retirement! He wants to help you master your money — and your life. THE THRILL OF PAYING OFF A MORTGAGE A few weeks ago, J.D. and I were chatting when he asked me what it felt like to be debt-free. He'd read on my blog that I had no debt and was curious if I'd write about it for Get Rich Slowly. In particular, he asked me to communicate both how I managed to pay off my mortgage (the biggest debt most people have) as well as how it felt when we didso.
10 TAX DEDUCTIONS YOU CAN CLAIM (EVEN IN YOUR 20S) According to the IRS, you can deduct your moving expenses if you meet all three of the following requirements: Your move is closely related to the start of work. You meet the distance test. You meet the time test. If you move more than 50 miles for a new job in your field, you will most likely pass this test and qualify for a full deduction. THE RELATIONSHIP BETWEEN PROVIDERS AND USERS OF CAPITAL Users of capital can be companies or governments, who are looking for money to undertake projects or to buy something. This relationship between providers and users of capital forms the backbone of our financial markets and our economic system. Before diving into the first of two parts on this topic, Michael explains why it's importantto start
ARE YOU PLANNING TO RETIRE TO ANOTHER JOB? The survey indicated that, of those who plan to continue working post retirement, 44 percent say they want to try something new, 23 percent expect to stay in the same field, and 33 percent don't know what their work life will entail. But flexibility is paramount across the board. Most of the survey respondents valued part-time work that allowed SHAQUILLE O'NEAL ONCE SPENT $1,000,000 IN A SINGLE DAY Shaquille O'Neal has made a lot of money in his life. At first, he made poor choices with it. In fact, he once spent a million dollars ina single day!
5 TIMES TO LEAVE LANDSCAPING TO THE PROFESSIONALS Holly Johnson is a credit card expert, award-winning writer, and mother of two who is obsessed with frugality, budgeting, and travel. In addition to serving as contributing editor for The Simple Dollar and writing for publications such as Bankrate, U.S. News and World Report Travel, and Travel Pulse, Johnson owns Club Thrifty and is the co-author of Zero Down Your Debt: Reclaim Your Income and HOW MUCH RENT SHOULD I CHARGE MY IN-LAWS? Ellen Cannon was the editorial director of the financial services sites at QuinStreet from 2010-2015. She has covered personal finance for magazines and websites for more than 20 years, including five years as managing editor of Bankrate.com.GET RICH SLOWLY
Hi, I’m J.D. Roth. I started Get Rich Slowly in 2006 to share what I learned as I dug out of debt. Today, I’ve reached early retirement. I’m here to show you how to master your money — and your life. We frequently publish new articles about how to master your money — andyour life. Here are
FREE RETIREMENT PLANNING GUIDE ~ GET RICH SLOWLY Next, Vanguard's retirement planning guide spends six pages exploring the risks of retirement and how to mitigate them. According to Vanguard, there are five primary risks in retirement: Market risk, the possibility of losing purchasing power due to movements in the financial markets. Health risk, a combination of your physicalcondition and
FIVE SHORT ANECDOTES ABOUT MONEY In 2006, J.D. founded Get Rich Slowly to document his quest to get out of debt.Over time, he learned how to save and how to invest.Today, he's managed to reach early retirement! He wants to help you master your money — and your life. THE THRILL OF PAYING OFF A MORTGAGE A few weeks ago, J.D. and I were chatting when he asked me what it felt like to be debt-free. He'd read on my blog that I had no debt and was curious if I'd write about it for Get Rich Slowly. In particular, he asked me to communicate both how I managed to pay off my mortgage (the biggest debt most people have) as well as how it felt when we didso.
10 TAX DEDUCTIONS YOU CAN CLAIM (EVEN IN YOUR 20S) According to the IRS, you can deduct your moving expenses if you meet all three of the following requirements: Your move is closely related to the start of work. You meet the distance test. You meet the time test. If you move more than 50 miles for a new job in your field, you will most likely pass this test and qualify for a full deduction. THE RELATIONSHIP BETWEEN PROVIDERS AND USERS OF CAPITAL Users of capital can be companies or governments, who are looking for money to undertake projects or to buy something. This relationship between providers and users of capital forms the backbone of our financial markets and our economic system. Before diving into the first of two parts on this topic, Michael explains why it's importantto start
ARE YOU PLANNING TO RETIRE TO ANOTHER JOB? The survey indicated that, of those who plan to continue working post retirement, 44 percent say they want to try something new, 23 percent expect to stay in the same field, and 33 percent don't know what their work life will entail. But flexibility is paramount across the board. Most of the survey respondents valued part-time work that allowed SHAQUILLE O'NEAL ONCE SPENT $1,000,000 IN A SINGLE DAY Shaquille O'Neal has made a lot of money in his life. At first, he made poor choices with it. In fact, he once spent a million dollars ina single day!
5 TIMES TO LEAVE LANDSCAPING TO THE PROFESSIONALS Holly Johnson is a credit card expert, award-winning writer, and mother of two who is obsessed with frugality, budgeting, and travel. In addition to serving as contributing editor for The Simple Dollar and writing for publications such as Bankrate, U.S. News and World Report Travel, and Travel Pulse, Johnson owns Club Thrifty and is the co-author of Zero Down Your Debt: Reclaim Your Income and HOW MUCH RENT SHOULD I CHARGE MY IN-LAWS? Ellen Cannon was the editorial director of the financial services sites at QuinStreet from 2010-2015. She has covered personal finance for magazines and websites for more than 20 years, including five years as managing editor of Bankrate.com. WHICH MATTERS MORE FOR BUILDING WEALTH: YOUR SAVING RATE This means 93% ($10,000 / $10,700) of your net worth growth came from savings and only 7% ($700 / $10,700) came from investment returns. In year two, you invest another $10,000 and again earn a 7% return. This year you would earn $1,449 ( ($10,700 + $10,000) * 7%) from investment returns. This means 87% ($10,000 / $11,449) of your net worth YOUR LIFETIME WEALTH RATIO (AND HOW TO CALCULATE IT) Lifetime Wealth Ratio = Your Net Worth / Your Lifetime Income. In pain English, your lifetime wealth ratio (or LWR) compares how much you have today with how much you've earned during your time in the workforce. It's a way to look at the wealth you've created and gauge how well you've done at keeping that wealth. FREE RETIREMENT PLANNING GUIDE ~ GET RICH SLOWLY Next, Vanguard's retirement planning guide spends six pages exploring the risks of retirement and how to mitigate them. According to Vanguard, there are five primary risks in retirement: Market risk, the possibility of losing purchasing power due to movements in the financial markets. Health risk, a combination of your physicalcondition and
LIFE AFTER DEBT ~ GET RICH SLOWLY Maintain the simple lifestyle that helped you succeed in the first place. J.D. Roth. In 2006, J.D. founded Get Rich Slowly to document his quest to get out of debt. Over time, he learned how to save and how to invest. Today, he's managed to reach early retirement! He wants to help you master your money — and your life. IS YOUR HOME A BETTER INVESTMENT THAN THE STOCK MARKET? Generally speaking, the stock market does provide better returns than homeownership. However, in 30 of the 82 fifteen-year periods since 1921, housing provided better returns. (And in 14 of 67 thirty-year periods, housing was the winner.) I didn't expect that. In each of these cases, housing outperformed stocks after a market crash. WHO INVENTED THE INDEX FUND? A BRIEF (TRUE) HISTORY OF But those who do care would probably answer, “ John Bogle, founder of The Vanguard Group .”. And that's what I would have answered too until a few weeks ago. But, it turns out, this answer is false. Yes, Bogle founded the first publicly-available index fund. And yes, Bogle is responsible for popularizing and promoting index funds as the 4 SIGNS YOU'RE OVER YOUR JOB & 5 THINGS YOU CAN DO ABOUT IT 4. You Feel Stuck. It's a terrible feeling: the desire to move forward when your current situation is holding you back. You feel captive, and the more captive you feel, the more frustrated you get. To me, this is the primary sign it's time to let go. I don't cope well with feelingstuck.
IS $10 MILLION ENOUGH TO NEVER WORRY ABOUT MONEY AGAIN Recently, though, a Money Boss reader named Mark sent me a simple hypothetical question. Here's the entirety of his email: If you had $10,000,000 (in cash) at the age of 60, would you say that you would never have to worry about money again? At first glance, there's no much to this question. All it requires is a basic “yes” or“no” answer.
ARE E-BOOKS COST EFFECTIVE? THE PROS AND CONS OF E-BOOKS Yesterday, Google opened its ebookstore for business. The search giant joins Apple and Amazon (and Barnes & Noble) in a fast-growing field. Electronic books will never completely replace paper books, but they're going to make up a sizable portion — and maybe even the majority — of the market sooner than you think.. Naturally, more and more GRS readers are moving to e-books. WHITEFENCE HELPS YOU FIND DEALS ON UTILITIES WhiteFence is a free service that helps people who are moving or looking to find the best deals on phone, internet, television, electricity, natural gas and other home services. By simply entering a street address into the secure site, people looking to save money or start new service can find the most comprehensive list of plansavailable for
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Hi, I’m J.D. Roth. I started Get Rich Slowly in 2006 to share what I learned as I dug out of debt. Today, I’ve reached early retirement. I’m here to show you how to master your money — and your life. We frequently publish new articles about how to master your money — andyour life. Here are
EXPLORING THE U.S. BY RV: THE PRICE OF ADVENTURE Obviously, we were spending an extra $50 to $60 per day, or about $25 to $30 per person. This includes food and fun but it does not include the cost of the RV and/or maintenance. (Our net cost for the RV was $10,000 — $38,000 purchase price, $28,000 sale price — YOUR LIFETIME WEALTH RATIO (AND HOW TO CALCULATE IT) Lifetime Wealth Ratio = Your Net Worth / Your Lifetime Income. In pain English, your lifetime wealth ratio (or LWR) compares how much you have today with how much you've earned during your time in the workforce. It's a way to look at the wealth you've created and gauge how well you've done at keeping that wealth. WHY YOU SHOULD RUN YOUR LIFE LIKE A BUSINESS ~ GET RICH SLOWLY Calculating Net Worth. My goal at Get Rich Slowly is to teach you how to run your life like a business. I want you to earn enormous profits so that you can use the money to do whatever it is you dream of doing. But just as Harlan and I had to start at the very beginning, you will too. Next week, we'll talk about where to start. FREE RETIREMENT PLANNING GUIDE ~ GET RICH SLOWLY Next, Vanguard's retirement planning guide spends six pages exploring the risks of retirement and how to mitigate them. According to Vanguard, there are five primary risks in retirement: Market risk, the possibility of losing purchasing power due to movements in the financial markets. Health risk, a combination of your physicalcondition and
WHY NEWRETIREMENT IS MY FAVORITE RETIREMENT PLANNING TOOL Over the past week, I've shared two terrific retirement planning tools. First, I explored the pros and cons of Personal Capital.Next, I looked at OnTrajectory, which is the best traditional retirement calculator I've found. Today, I want to talk about NewRetirement.Since I discovered it two years ago, NewRetirement has become my favorite tool for retirement planning. THE THRILL OF PAYING OFF A MORTGAGE A few weeks ago, J.D. and I were chatting when he asked me what it felt like to be debt-free. He'd read on my blog that I had no debt and was curious if I'd write about it for Get Rich Slowly. In particular, he asked me to communicate both how I managed to pay off my mortgage (the biggest debt most people have) as well as how it felt when we didso.
ARE YOU PLANNING TO RETIRE TO ANOTHER JOB? The survey indicated that, of those who plan to continue working post retirement, 44 percent say they want to try something new, 23 percent expect to stay in the same field, and 33 percent don't know what their work life will entail. But flexibility is paramount across the board. Most of the survey respondents valued part-time work that allowed HOURLY VS. SALARY: WHICH IS BETTER? ~ GET RICH SLOWLY Often salaried positions come with a higher status and/or a jump on the pay scale. Salaried employees might be happier, according to a study published in Personality and Social Psychology Bulletin. Researchers found that income didn't affect happiness levels as much for salaried employees as for those paid hourly. HOW MANY WEDDING GIFTS SHOULD YOU BUY? Earlier this week, I wrote about the problem with trying to buy the perfect gift. Sticking with that gift theme, there's a question that's been on my mind: If you're invited to an engagement party, a bridal shower, and a wedding ceremony all for the same couple, and you attend all three, do you give a gift at each event? See, I've been invited to a few weddings this year.GET RICH SLOWLY
Hi, I’m J.D. Roth. I started Get Rich Slowly in 2006 to share what I learned as I dug out of debt. Today, I’ve reached early retirement. I’m here to show you how to master your money — and your life. We frequently publish new articles about how to master your money — andyour life. Here are
EXPLORING THE U.S. BY RV: THE PRICE OF ADVENTURE Obviously, we were spending an extra $50 to $60 per day, or about $25 to $30 per person. This includes food and fun but it does not include the cost of the RV and/or maintenance. (Our net cost for the RV was $10,000 — $38,000 purchase price, $28,000 sale price — YOUR LIFETIME WEALTH RATIO (AND HOW TO CALCULATE IT) Lifetime Wealth Ratio = Your Net Worth / Your Lifetime Income. In pain English, your lifetime wealth ratio (or LWR) compares how much you have today with how much you've earned during your time in the workforce. It's a way to look at the wealth you've created and gauge how well you've done at keeping that wealth. WHY YOU SHOULD RUN YOUR LIFE LIKE A BUSINESS ~ GET RICH SLOWLY Calculating Net Worth. My goal at Get Rich Slowly is to teach you how to run your life like a business. I want you to earn enormous profits so that you can use the money to do whatever it is you dream of doing. But just as Harlan and I had to start at the very beginning, you will too. Next week, we'll talk about where to start. FREE RETIREMENT PLANNING GUIDE ~ GET RICH SLOWLY Next, Vanguard's retirement planning guide spends six pages exploring the risks of retirement and how to mitigate them. According to Vanguard, there are five primary risks in retirement: Market risk, the possibility of losing purchasing power due to movements in the financial markets. Health risk, a combination of your physicalcondition and
WHY NEWRETIREMENT IS MY FAVORITE RETIREMENT PLANNING TOOL Over the past week, I've shared two terrific retirement planning tools. First, I explored the pros and cons of Personal Capital.Next, I looked at OnTrajectory, which is the best traditional retirement calculator I've found. Today, I want to talk about NewRetirement.Since I discovered it two years ago, NewRetirement has become my favorite tool for retirement planning. THE THRILL OF PAYING OFF A MORTGAGE A few weeks ago, J.D. and I were chatting when he asked me what it felt like to be debt-free. He'd read on my blog that I had no debt and was curious if I'd write about it for Get Rich Slowly. In particular, he asked me to communicate both how I managed to pay off my mortgage (the biggest debt most people have) as well as how it felt when we didso.
ARE YOU PLANNING TO RETIRE TO ANOTHER JOB? The survey indicated that, of those who plan to continue working post retirement, 44 percent say they want to try something new, 23 percent expect to stay in the same field, and 33 percent don't know what their work life will entail. But flexibility is paramount across the board. Most of the survey respondents valued part-time work that allowed HOURLY VS. SALARY: WHICH IS BETTER? ~ GET RICH SLOWLY Often salaried positions come with a higher status and/or a jump on the pay scale. Salaried employees might be happier, according to a study published in Personality and Social Psychology Bulletin. Researchers found that income didn't affect happiness levels as much for salaried employees as for those paid hourly. HOW MANY WEDDING GIFTS SHOULD YOU BUY? Earlier this week, I wrote about the problem with trying to buy the perfect gift. Sticking with that gift theme, there's a question that's been on my mind: If you're invited to an engagement party, a bridal shower, and a wedding ceremony all for the same couple, and you attend all three, do you give a gift at each event? See, I've been invited to a few weddings this year. WHICH MATTERS MORE FOR BUILDING WEALTH: YOUR SAVING RATE This means 93% ($10,000 / $10,700) of your net worth growth came from savings and only 7% ($700 / $10,700) came from investment returns. In year two, you invest another $10,000 and again earn a 7% return. This year you would earn $1,449 ( ($10,700 + $10,000) * 7%) from investment returns. This means 87% ($10,000 / $11,449) of your net worth FREE RETIREMENT PLANNING GUIDE ~ GET RICH SLOWLY Next, Vanguard's retirement planning guide spends six pages exploring the risks of retirement and how to mitigate them. According to Vanguard, there are five primary risks in retirement: Market risk, the possibility of losing purchasing power due to movements in the financial markets. Health risk, a combination of your physicalcondition and
THOUGHTS ON SYSTEMIC POVERTY, FAULT, AND Yes, it's true: The economic effects of slavery are still being felt today, more than 150 years after the institution was abolished in this country. According to the U.S. Census Bureau, the poverty rate for white Americans in 2010 was 11.6%. The poverty rate for black Americans was 25.8%. LIFE EXPECTANCY AND RETIREMENT PLANNING ~ GET RICH SLOWLY Life expectancy is the most important variable in retirement planning. It's also the hardest number to nail down. Here are some tools tohelp.
THE STAGES OF FINANCIAL FREEDOM ~ GET RICH SLOWLY Today we're going to explore the six stages of financial freedom. First, though, I want to introduce you to my friends Mac and Pam. Pam is a pathologist and an elite ultra-runner.Mac is a former high-school science teacher and current stay-at-home dad. THE PROS AND CONS OF SEMI-RETIREMENT ~ GET RICH SLOWLY Studies show that withdrawing about 4% each year will allow you to keep the inflation-adjusted value of your principal intact. Of course, if your goal is to “ die broke ” — which some people aim to do — your spend rate can be higher. And if you're an older semi-retiree, you can withdraw more than 4% IS YOUR HOME A BETTER INVESTMENT THAN THE STOCK MARKET? Generally speaking, the stock market does provide better returns than homeownership. However, in 30 of the 82 fifteen-year periods since 1921, housing provided better returns. (And in 14 of 67 thirty-year periods, housing was the winner.) I didn't expect that. In each of these cases, housing outperformed stocks after a market crash. 4 SIGNS YOU'RE OVER YOUR JOB & 5 THINGS YOU CAN DO ABOUT IT 4. You Feel Stuck. It's a terrible feeling: the desire to move forward when your current situation is holding you back. You feel captive, and the more captive you feel, the more frustrated you get. To me, this is the primary sign it's time to let go. I don't cope well with feelingstuck.
HOURLY VS. SALARY: WHICH IS BETTER? ~ GET RICH SLOWLY Often salaried positions come with a higher status and/or a jump on the pay scale. Salaried employees might be happier, according to a study published in Personality and Social Psychology Bulletin. Researchers found that income didn't affect happiness levels as much for salaried employees as for those paid hourly. IS $10 MILLION ENOUGH TO NEVER WORRY ABOUT MONEY AGAIN Recently, though, a Money Boss reader named Mark sent me a simple hypothetical question. Here's the entirety of his email: If you had $10,000,000 (in cash) at the age of 60, would you say that you would never have to worry about money again? At first glance, there's no much to this question. All it requires is a basic “yes” or“no” answer.
GET RICH SLOWLY
Hi, I’m J.D. Roth. I started Get Rich Slowly in 2006 to share what I learned as I dug out of debt. Today, I’ve reached early retirement. I’m here to show you how to master your money — and your life. We frequently publish new articles about how to master your money — andyour life. Here are
EXPLORING THE U.S. BY RV: THE PRICE OF ADVENTURE Obviously, we were spending an extra $50 to $60 per day, or about $25 to $30 per person. This includes food and fun but it does not include the cost of the RV and/or maintenance. (Our net cost for the RV was $10,000 — $38,000 purchase price, $28,000 sale price — YOUR LIFETIME WEALTH RATIO (AND HOW TO CALCULATE IT) Lifetime Wealth Ratio = Your Net Worth / Your Lifetime Income. In pain English, your lifetime wealth ratio (or LWR) compares how much you have today with how much you've earned during your time in the workforce. It's a way to look at the wealth you've created and gauge how well you've done at keeping that wealth. WHY YOU SHOULD RUN YOUR LIFE LIKE A BUSINESS ~ GET RICH SLOWLYBOSS LIFE SNOOP DOGGHOGG LIFE CLOTHINGREAL LIFE MAFIASMALL BUSINESSBOSSTECH LIFE BOSS
Calculating Net Worth. My goal at Get Rich Slowly is to teach you how to run your life like a business. I want you to earn enormous profits so that you can use the money to do whatever it is you dream of doing. But just as Harlan and I had to start at the very beginning, you will too. Next week, we'll talk about where to start. FREE RETIREMENT PLANNING GUIDE ~ GET RICH SLOWLY Next, Vanguard's retirement planning guide spends six pages exploring the risks of retirement and how to mitigate them. According to Vanguard, there are five primary risks in retirement: Market risk, the possibility of losing purchasing power due to movements in the financial markets. Health risk, a combination of your physicalcondition and
WHY NEWRETIREMENT IS MY FAVORITE RETIREMENT PLANNING TOOL Over the past week, I've shared two terrific retirement planning tools. First, I explored the pros and cons of Personal Capital.Next, I looked at OnTrajectory, which is the best traditional retirement calculator I've found. Today, I want to talk about NewRetirement.Since I discovered it two years ago, NewRetirement has become my favorite tool for retirement planning. THE THRILL OF PAYING OFF A MORTGAGE A few weeks ago, J.D. and I were chatting when he asked me what it felt like to be debt-free. He'd read on my blog that I had no debt and was curious if I'd write about it for Get Rich Slowly. In particular, he asked me to communicate both how I managed to pay off my mortgage (the biggest debt most people have) as well as how it felt when we didso.
ARE YOU PLANNING TO RETIRE TO ANOTHER JOB? The survey indicated that, of those who plan to continue working post retirement, 44 percent say they want to try something new, 23 percent expect to stay in the same field, and 33 percent don't know what their work life will entail. But flexibility is paramount across the board. Most of the survey respondents valued part-time work that allowed HOURLY VS. SALARY: WHICH IS BETTER? ~ GET RICH SLOWLY Often salaried positions come with a higher status and/or a jump on the pay scale. Salaried employees might be happier, according to a study published in Personality and Social Psychology Bulletin. Researchers found that income didn't affect happiness levels as much for salaried employees as for those paid hourly. HOW MANY WEDDING GIFTS SHOULD YOU BUY? Earlier this week, I wrote about the problem with trying to buy the perfect gift. Sticking with that gift theme, there's a question that's been on my mind: If you're invited to an engagement party, a bridal shower, and a wedding ceremony all for the same couple, and you attend all three, do you give a gift at each event? See, I've been invited to a few weddings this year.GET RICH SLOWLY
Hi, I’m J.D. Roth. I started Get Rich Slowly in 2006 to share what I learned as I dug out of debt. Today, I’ve reached early retirement. I’m here to show you how to master your money — and your life. We frequently publish new articles about how to master your money — andyour life. Here are
EXPLORING THE U.S. BY RV: THE PRICE OF ADVENTURE Obviously, we were spending an extra $50 to $60 per day, or about $25 to $30 per person. This includes food and fun but it does not include the cost of the RV and/or maintenance. (Our net cost for the RV was $10,000 — $38,000 purchase price, $28,000 sale price — YOUR LIFETIME WEALTH RATIO (AND HOW TO CALCULATE IT) Lifetime Wealth Ratio = Your Net Worth / Your Lifetime Income. In pain English, your lifetime wealth ratio (or LWR) compares how much you have today with how much you've earned during your time in the workforce. It's a way to look at the wealth you've created and gauge how well you've done at keeping that wealth. WHY YOU SHOULD RUN YOUR LIFE LIKE A BUSINESS ~ GET RICH SLOWLYBOSS LIFE SNOOP DOGGHOGG LIFE CLOTHINGREAL LIFE MAFIASMALL BUSINESSBOSSTECH LIFE BOSS
Calculating Net Worth. My goal at Get Rich Slowly is to teach you how to run your life like a business. I want you to earn enormous profits so that you can use the money to do whatever it is you dream of doing. But just as Harlan and I had to start at the very beginning, you will too. Next week, we'll talk about where to start. FREE RETIREMENT PLANNING GUIDE ~ GET RICH SLOWLY Next, Vanguard's retirement planning guide spends six pages exploring the risks of retirement and how to mitigate them. According to Vanguard, there are five primary risks in retirement: Market risk, the possibility of losing purchasing power due to movements in the financial markets. Health risk, a combination of your physicalcondition and
WHY NEWRETIREMENT IS MY FAVORITE RETIREMENT PLANNING TOOL Over the past week, I've shared two terrific retirement planning tools. First, I explored the pros and cons of Personal Capital.Next, I looked at OnTrajectory, which is the best traditional retirement calculator I've found. Today, I want to talk about NewRetirement.Since I discovered it two years ago, NewRetirement has become my favorite tool for retirement planning. THE THRILL OF PAYING OFF A MORTGAGE A few weeks ago, J.D. and I were chatting when he asked me what it felt like to be debt-free. He'd read on my blog that I had no debt and was curious if I'd write about it for Get Rich Slowly. In particular, he asked me to communicate both how I managed to pay off my mortgage (the biggest debt most people have) as well as how it felt when we didso.
ARE YOU PLANNING TO RETIRE TO ANOTHER JOB? The survey indicated that, of those who plan to continue working post retirement, 44 percent say they want to try something new, 23 percent expect to stay in the same field, and 33 percent don't know what their work life will entail. But flexibility is paramount across the board. Most of the survey respondents valued part-time work that allowed HOURLY VS. SALARY: WHICH IS BETTER? ~ GET RICH SLOWLY Often salaried positions come with a higher status and/or a jump on the pay scale. Salaried employees might be happier, according to a study published in Personality and Social Psychology Bulletin. Researchers found that income didn't affect happiness levels as much for salaried employees as for those paid hourly. HOW MANY WEDDING GIFTS SHOULD YOU BUY? Earlier this week, I wrote about the problem with trying to buy the perfect gift. Sticking with that gift theme, there's a question that's been on my mind: If you're invited to an engagement party, a bridal shower, and a wedding ceremony all for the same couple, and you attend all three, do you give a gift at each event? See, I've been invited to a few weddings this year. WHICH MATTERS MORE FOR BUILDING WEALTH: YOUR SAVING RATE This means 93% ($10,000 / $10,700) of your net worth growth came from savings and only 7% ($700 / $10,700) came from investment returns. In year two, you invest another $10,000 and again earn a 7% return. This year you would earn $1,449 ( ($10,700 + $10,000) * 7%) from investment returns. This means 87% ($10,000 / $11,449) of your net worth FREE RETIREMENT PLANNING GUIDE ~ GET RICH SLOWLY Next, Vanguard's retirement planning guide spends six pages exploring the risks of retirement and how to mitigate them. According to Vanguard, there are five primary risks in retirement: Market risk, the possibility of losing purchasing power due to movements in the financial markets. Health risk, a combination of your physicalcondition and
THOUGHTS ON SYSTEMIC POVERTY, FAULT, AND Yes, it's true: The economic effects of slavery are still being felt today, more than 150 years after the institution was abolished in this country. According to the U.S. Census Bureau, the poverty rate for white Americans in 2010 was 11.6%. The poverty rate for black Americans was 25.8%. LIFE EXPECTANCY AND RETIREMENT PLANNING ~ GET RICH SLOWLY Life expectancy is the most important variable in retirement planning. It's also the hardest number to nail down. Here are some tools tohelp.
THE STAGES OF FINANCIAL FREEDOM ~ GET RICH SLOWLY Today we're going to explore the six stages of financial freedom. First, though, I want to introduce you to my friends Mac and Pam. Pam is a pathologist and an elite ultra-runner.Mac is a former high-school science teacher and current stay-at-home dad. THE PROS AND CONS OF SEMI-RETIREMENT ~ GET RICH SLOWLY Studies show that withdrawing about 4% each year will allow you to keep the inflation-adjusted value of your principal intact. Of course, if your goal is to “ die broke ” — which some people aim to do — your spend rate can be higher. And if you're an older semi-retiree, you can withdraw more than 4% IS YOUR HOME A BETTER INVESTMENT THAN THE STOCK MARKET? Generally speaking, the stock market does provide better returns than homeownership. However, in 30 of the 82 fifteen-year periods since 1921, housing provided better returns. (And in 14 of 67 thirty-year periods, housing was the winner.) I didn't expect that. In each of these cases, housing outperformed stocks after a market crash. 4 SIGNS YOU'RE OVER YOUR JOB & 5 THINGS YOU CAN DO ABOUT IT 4. You Feel Stuck. It's a terrible feeling: the desire to move forward when your current situation is holding you back. You feel captive, and the more captive you feel, the more frustrated you get. To me, this is the primary sign it's time to let go. I don't cope well with feelingstuck.
HOURLY VS. SALARY: WHICH IS BETTER? ~ GET RICH SLOWLY Often salaried positions come with a higher status and/or a jump on the pay scale. Salaried employees might be happier, according to a study published in Personality and Social Psychology Bulletin. Researchers found that income didn't affect happiness levels as much for salaried employees as for those paid hourly. IS $10 MILLION ENOUGH TO NEVER WORRY ABOUT MONEY AGAIN Recently, though, a Money Boss reader named Mark sent me a simple hypothetical question. Here's the entirety of his email: If you had $10,000,000 (in cash) at the age of 60, would you say that you would never have to worry about money again? At first glance, there's no much to this question. All it requires is a basic “yes” or“no” answer.
GET RICH SLOWLY
Hi, I’m J.D. Roth. I started Get Rich Slowly in 2006 to share what I learned as I dug out of debt. Today, I’ve reached early retirement. I’m here to show you how to master your money — and your life. We frequently publish new articles about how to master your money — andyour life. Here are
EXPLORING THE U.S. BY RV: THE PRICE OF ADVENTURE Obviously, we were spending an extra $50 to $60 per day, or about $25 to $30 per person. This includes food and fun but it does not include the cost of the RV and/or maintenance. (Our net cost for the RV was $10,000 — $38,000 purchase price, $28,000 sale price — YOUR LIFETIME WEALTH RATIO (AND HOW TO CALCULATE IT) Lifetime Wealth Ratio = Your Net Worth / Your Lifetime Income. In pain English, your lifetime wealth ratio (or LWR) compares how much you have today with how much you've earned during your time in the workforce. It's a way to look at the wealth you've created and gauge how well you've done at keeping that wealth. WHY YOU SHOULD RUN YOUR LIFE LIKE A BUSINESS ~ GET RICH SLOWLYBOSS LIFE SNOOP DOGGHOGG LIFE CLOTHINGREAL LIFE MAFIASMALL BUSINESSBOSSTECH LIFE BOSS
Calculating Net Worth. My goal at Get Rich Slowly is to teach you how to run your life like a business. I want you to earn enormous profits so that you can use the money to do whatever it is you dream of doing. But just as Harlan and I had to start at the very beginning, you will too. Next week, we'll talk about where to start. FREE RETIREMENT PLANNING GUIDE ~ GET RICH SLOWLY Next, Vanguard's retirement planning guide spends six pages exploring the risks of retirement and how to mitigate them. According to Vanguard, there are five primary risks in retirement: Market risk, the possibility of losing purchasing power due to movements in the financial markets. Health risk, a combination of your physicalcondition and
WHY NEWRETIREMENT IS MY FAVORITE RETIREMENT PLANNING TOOL Over the past week, I've shared two terrific retirement planning tools. First, I explored the pros and cons of Personal Capital.Next, I looked at OnTrajectory, which is the best traditional retirement calculator I've found. Today, I want to talk about NewRetirement.Since I discovered it two years ago, NewRetirement has become my favorite tool for retirement planning. THE THRILL OF PAYING OFF A MORTGAGE A few weeks ago, J.D. and I were chatting when he asked me what it felt like to be debt-free. He'd read on my blog that I had no debt and was curious if I'd write about it for Get Rich Slowly. In particular, he asked me to communicate both how I managed to pay off my mortgage (the biggest debt most people have) as well as how it felt when we didso.
ARE YOU PLANNING TO RETIRE TO ANOTHER JOB? The survey indicated that, of those who plan to continue working post retirement, 44 percent say they want to try something new, 23 percent expect to stay in the same field, and 33 percent don't know what their work life will entail. But flexibility is paramount across the board. Most of the survey respondents valued part-time work that allowed HOURLY VS. SALARY: WHICH IS BETTER? ~ GET RICH SLOWLY Often salaried positions come with a higher status and/or a jump on the pay scale. Salaried employees might be happier, according to a study published in Personality and Social Psychology Bulletin. Researchers found that income didn't affect happiness levels as much for salaried employees as for those paid hourly. HOW MANY WEDDING GIFTS SHOULD YOU BUY? Earlier this week, I wrote about the problem with trying to buy the perfect gift. Sticking with that gift theme, there's a question that's been on my mind: If you're invited to an engagement party, a bridal shower, and a wedding ceremony all for the same couple, and you attend all three, do you give a gift at each event? See, I've been invited to a few weddings this year.GET RICH SLOWLY
Hi, I’m J.D. Roth. I started Get Rich Slowly in 2006 to share what I learned as I dug out of debt. Today, I’ve reached early retirement. I’m here to show you how to master your money — and your life. We frequently publish new articles about how to master your money — andyour life. Here are
EXPLORING THE U.S. BY RV: THE PRICE OF ADVENTURE Obviously, we were spending an extra $50 to $60 per day, or about $25 to $30 per person. This includes food and fun but it does not include the cost of the RV and/or maintenance. (Our net cost for the RV was $10,000 — $38,000 purchase price, $28,000 sale price — YOUR LIFETIME WEALTH RATIO (AND HOW TO CALCULATE IT) Lifetime Wealth Ratio = Your Net Worth / Your Lifetime Income. In pain English, your lifetime wealth ratio (or LWR) compares how much you have today with how much you've earned during your time in the workforce. It's a way to look at the wealth you've created and gauge how well you've done at keeping that wealth. WHY YOU SHOULD RUN YOUR LIFE LIKE A BUSINESS ~ GET RICH SLOWLYBOSS LIFE SNOOP DOGGHOGG LIFE CLOTHINGREAL LIFE MAFIASMALL BUSINESSBOSSTECH LIFE BOSS
Calculating Net Worth. My goal at Get Rich Slowly is to teach you how to run your life like a business. I want you to earn enormous profits so that you can use the money to do whatever it is you dream of doing. But just as Harlan and I had to start at the very beginning, you will too. Next week, we'll talk about where to start. FREE RETIREMENT PLANNING GUIDE ~ GET RICH SLOWLY Next, Vanguard's retirement planning guide spends six pages exploring the risks of retirement and how to mitigate them. According to Vanguard, there are five primary risks in retirement: Market risk, the possibility of losing purchasing power due to movements in the financial markets. Health risk, a combination of your physicalcondition and
WHY NEWRETIREMENT IS MY FAVORITE RETIREMENT PLANNING TOOL Over the past week, I've shared two terrific retirement planning tools. First, I explored the pros and cons of Personal Capital.Next, I looked at OnTrajectory, which is the best traditional retirement calculator I've found. Today, I want to talk about NewRetirement.Since I discovered it two years ago, NewRetirement has become my favorite tool for retirement planning. THE THRILL OF PAYING OFF A MORTGAGE A few weeks ago, J.D. and I were chatting when he asked me what it felt like to be debt-free. He'd read on my blog that I had no debt and was curious if I'd write about it for Get Rich Slowly. In particular, he asked me to communicate both how I managed to pay off my mortgage (the biggest debt most people have) as well as how it felt when we didso.
ARE YOU PLANNING TO RETIRE TO ANOTHER JOB? The survey indicated that, of those who plan to continue working post retirement, 44 percent say they want to try something new, 23 percent expect to stay in the same field, and 33 percent don't know what their work life will entail. But flexibility is paramount across the board. Most of the survey respondents valued part-time work that allowed HOURLY VS. SALARY: WHICH IS BETTER? ~ GET RICH SLOWLY Often salaried positions come with a higher status and/or a jump on the pay scale. Salaried employees might be happier, according to a study published in Personality and Social Psychology Bulletin. Researchers found that income didn't affect happiness levels as much for salaried employees as for those paid hourly. HOW MANY WEDDING GIFTS SHOULD YOU BUY? Earlier this week, I wrote about the problem with trying to buy the perfect gift. Sticking with that gift theme, there's a question that's been on my mind: If you're invited to an engagement party, a bridal shower, and a wedding ceremony all for the same couple, and you attend all three, do you give a gift at each event? See, I've been invited to a few weddings this year. WHICH MATTERS MORE FOR BUILDING WEALTH: YOUR SAVING RATE This means 93% ($10,000 / $10,700) of your net worth growth came from savings and only 7% ($700 / $10,700) came from investment returns. In year two, you invest another $10,000 and again earn a 7% return. This year you would earn $1,449 ( ($10,700 + $10,000) * 7%) from investment returns. This means 87% ($10,000 / $11,449) of your net worth FREE RETIREMENT PLANNING GUIDE ~ GET RICH SLOWLY Next, Vanguard's retirement planning guide spends six pages exploring the risks of retirement and how to mitigate them. According to Vanguard, there are five primary risks in retirement: Market risk, the possibility of losing purchasing power due to movements in the financial markets. Health risk, a combination of your physicalcondition and
THOUGHTS ON SYSTEMIC POVERTY, FAULT, AND Yes, it's true: The economic effects of slavery are still being felt today, more than 150 years after the institution was abolished in this country. According to the U.S. Census Bureau, the poverty rate for white Americans in 2010 was 11.6%. The poverty rate for black Americans was 25.8%. LIFE EXPECTANCY AND RETIREMENT PLANNING ~ GET RICH SLOWLY Life expectancy is the most important variable in retirement planning. It's also the hardest number to nail down. Here are some tools tohelp.
THE STAGES OF FINANCIAL FREEDOM ~ GET RICH SLOWLY Today we're going to explore the six stages of financial freedom. First, though, I want to introduce you to my friends Mac and Pam. Pam is a pathologist and an elite ultra-runner.Mac is a former high-school science teacher and current stay-at-home dad. THE PROS AND CONS OF SEMI-RETIREMENT ~ GET RICH SLOWLY Studies show that withdrawing about 4% each year will allow you to keep the inflation-adjusted value of your principal intact. Of course, if your goal is to “ die broke ” — which some people aim to do — your spend rate can be higher. And if you're an older semi-retiree, you can withdraw more than 4% IS YOUR HOME A BETTER INVESTMENT THAN THE STOCK MARKET? Generally speaking, the stock market does provide better returns than homeownership. However, in 30 of the 82 fifteen-year periods since 1921, housing provided better returns. (And in 14 of 67 thirty-year periods, housing was the winner.) I didn't expect that. In each of these cases, housing outperformed stocks after a market crash. 4 SIGNS YOU'RE OVER YOUR JOB & 5 THINGS YOU CAN DO ABOUT IT 4. You Feel Stuck. It's a terrible feeling: the desire to move forward when your current situation is holding you back. You feel captive, and the more captive you feel, the more frustrated you get. To me, this is the primary sign it's time to let go. I don't cope well with feelingstuck.
HOURLY VS. SALARY: WHICH IS BETTER? ~ GET RICH SLOWLY Often salaried positions come with a higher status and/or a jump on the pay scale. Salaried employees might be happier, according to a study published in Personality and Social Psychology Bulletin. Researchers found that income didn't affect happiness levels as much for salaried employees as for those paid hourly. IS $10 MILLION ENOUGH TO NEVER WORRY ABOUT MONEY AGAIN Recently, though, a Money Boss reader named Mark sent me a simple hypothetical question. Here's the entirety of his email: If you had $10,000,000 (in cash) at the age of 60, would you say that you would never have to worry about money again? At first glance, there's no much to this question. All it requires is a basic “yes” or“no” answer.
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BE THE MONEY BOSS
Hi, I’m J.D. Roth. I started Get Rich Slowly in 2006 to share what I learned as I dug out of debt. Today, I’ve reached early retirement. I’m here to show you how to master your money — and your life.Start Here
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We frequently publish new articles about how to master your money — and your life. Here are a few of our most recent pieces. ALL THAT GLITTERS: WHY I’M NOT INVESTING IN GOLDSaving & Investing
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SPARE CHANGE, UPDATED OFTEN (GREAT MONEY STORIES FROM OTHER SITES) * The flaw of averages: While many are average at some things, few are average at everything * Fear and despair in the time of bear markets * "I used to make fun of Silicon Valley preppers. Then I became one." * Even security experts get scammed sometimes * Portfolio Visualizer: A tool to back-test various asset allocations * The end of your investing worries (thought on the impact of assetallocation)
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