10 MUST KNOW INDEX FUNDS PROS AND CONS There are a lot of benefits to index funds. I am highlighting the 5 biggest advantages that will have an impact on your wealth. #1. Low Fees. Index funds, both mutual funds and exchange traded funds, have historically been the lowest cost investments. In both cases, a professional management team runs specific funds. 10 IMPORTANT 401K PROS AND CONS FOR SUCCESS For example, if you make $35,000 and contribute 10% of your salary, you are putting $3,500 towards retirement. If your salary is increased to $40,000 then you are putting $4,000 towards your retirement. That’s an extra $500 and you didn’t have to do anything. #4. Potential For Free Money. 10 IMPORTANT HEALTH SAVINGS ACCOUNT PROS AND CONS HSA Pros. There are many benefits to an HSA account. I am going to cover the ones that have the biggest impact on your finances. #1. Reduced Taxable Income. On major benefit of health savings accounts is that they reduce your taxable income, just like contributions made to

your 401k plan.

9 GUARANTEED STEPS TO SAVE $100,000 FAST At the end of the day, debt is your biggest enemy when trying to save $100,000. By paying off your debt quickly, you will increase the chances of you reaching your $100K savings goal. #6. Save On Taxes. Another important step to building long term wealth is to keep your taxes as low as possible. ARE HYBRID CARS WORTH IT? THE ANSWER WILL SURPRISE YOU Often hybrid cars are more expensive than other cars. According to the most recent numbers, the average price of a hybrid is $4,650 more than a gas powered car. This is because they cost more to build. The manufacturer then passes that added cost on to the buyer. For example, look at the cost of a 2019 Hyundai Sonata. SAMPLE MODEL PORTFOLIOS Sample Model Portfolios – Background. I invest the majority of my money with 3 firms – Vanguard, Betterment, and Schwab. Because of this, I will be laying out model portfolios as if you were investing with two of these firms, Vanguard and Schwab. (Note that you can can build these model portfolios at other firms as well. MASTERWORKS.IO REVIEW Masterworks.io Review | The Ultimate Guide To This Alternative Investment Who Is Masterworks.io? Masterworks is based in New York City and was founded in 2017.. They are art connoisseurs with over 75 year’s experience in the art world and want to open the doors of top-tier, blue chip art investments to all investors. HOW TO SURVIVE ON $1,000 A MONTH With the internet, you can turn just about any skill, hobby or talent into a side hustle. You can easily earn anywhere from an extra $100 to $1,000 or more per month. It is up to you how much effort you want to put into it. Just remember, the more effort you do put into it, 10 LITTLE KNOWN SECRETS TO PAY OFF YOUR MORTGAGE EARLY 10 Tricks To Pay Off Your Mortgage Early. #1. Use Tax Refunds. According to the IRS, the average refund for 2019 was a whopping $2,535! I’m not going to get into the debate about getting such a large refund here, but I am going to show you the power of HOW TO RETIRE AT 50 AND LIVE LIKE A KING (OR QUEEN Step 2: Cut Your Spending. I mentioned the car buying above, but you really need to apply that idea to your overall lifestyle. When it comes to wanting to retire at 50, most won’t be able to buy designer goods and take luxury vacations and still quit our jobs early. It just doesn’t work that way. 10 MUST KNOW INDEX FUNDS PROS AND CONS There are a lot of benefits to index funds. I am highlighting the 5 biggest advantages that will have an impact on your wealth. #1. Low Fees. Index funds, both mutual funds and exchange traded funds, have historically been the lowest cost investments. In both cases, a professional management team runs specific funds. 10 IMPORTANT 401K PROS AND CONS FOR SUCCESS For example, if you make $35,000 and contribute 10% of your salary, you are putting $3,500 towards retirement. If your salary is increased to $40,000 then you are putting $4,000 towards your retirement. That’s an extra $500 and you didn’t have to do anything. #4. Potential For Free Money. 10 IMPORTANT HEALTH SAVINGS ACCOUNT PROS AND CONS HSA Pros. There are many benefits to an HSA account. I am going to cover the ones that have the biggest impact on your finances. #1. Reduced Taxable Income. On major benefit of health savings accounts is that they reduce your taxable income, just like contributions made to

your 401k plan.

9 GUARANTEED STEPS TO SAVE $100,000 FAST At the end of the day, debt is your biggest enemy when trying to save $100,000. By paying off your debt quickly, you will increase the chances of you reaching your $100K savings goal. #6. Save On Taxes. Another important step to building long term wealth is to keep your taxes as low as possible. ARE HYBRID CARS WORTH IT? THE ANSWER WILL SURPRISE YOU Often hybrid cars are more expensive than other cars. According to the most recent numbers, the average price of a hybrid is $4,650 more than a gas powered car. This is because they cost more to build. The manufacturer then passes that added cost on to the buyer. For example, look at the cost of a 2019 Hyundai Sonata. SAMPLE MODEL PORTFOLIOS Sample Model Portfolios – Background. I invest the majority of my money with 3 firms – Vanguard, Betterment, and Schwab. Because of this, I will be laying out model portfolios as if you were investing with two of these firms, Vanguard and Schwab. (Note that you can can build these model portfolios at other firms as well. MASTERWORKS.IO REVIEW Masterworks.io Review | The Ultimate Guide To This Alternative Investment Who Is Masterworks.io? Masterworks is based in New York City and was founded in 2017.. They are art connoisseurs with over 75 year’s experience in the art world and want to open the doors of top-tier, blue chip art investments to all investors. HOW TO SURVIVE ON $1,000 A MONTH With the internet, you can turn just about any skill, hobby or talent into a side hustle. You can easily earn anywhere from an extra $100 to $1,000 or more per month. It is up to you how much effort you want to put into it. Just remember, the more effort you do put into it, 10 LITTLE KNOWN SECRETS TO PAY OFF YOUR MORTGAGE EARLY 10 Tricks To Pay Off Your Mortgage Early. #1. Use Tax Refunds. According to the IRS, the average refund for 2019 was a whopping $2,535! I’m not going to get into the debate about getting such a large refund here, but I am going to show you the power of HOW TO RETIRE AT 50 AND LIVE LIKE A KING (OR QUEEN Step 2: Cut Your Spending. I mentioned the car buying above, but you really need to apply that idea to your overall lifestyle. When it comes to wanting to retire at 50, most won’t be able to buy designer goods and take luxury vacations and still quit our jobs early. It just doesn’t work that way. HOME PAGE - MONEYSMARTGUIDES.COM Learn how to make the most of today so you can enjoy your tomorrow. Financial Tools You Need For Success. Any successful journey requires tools to help along the way. Personal finance is no different. Having the right tools can make getting out of debt, learning to budget, start investing, and planning your retirement easier. . 149 POWERFUL PERSONAL FINANCE QUOTES #19. “If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed.” – Edmund Burke #20. “Wanting less is probably a better blessing than having more.” 9 GUARANTEED STEPS TO SAVE $100,000 FAST At the end of the day, debt is your biggest enemy when trying to save $100,000. By paying off your debt quickly, you will increase the chances of you reaching your $100K savings goal. #6. Save On Taxes. Another important step to building long term wealth is to keep your taxes as low as possible. WHAT IS AN ANNUITY? HERE IS EVERYTHING YOU NEED TO KNOW Insurance companies sell annuities for savings protection and for their clients’ future income needs. Basically, an annuity is an insurance contract that provides you with regular payments immediately or at some point in the future. You can purchase an annuity to protect your income, grow your savings for retirement, or to provide you with a guaranteed income for life. SAVINGS ACCOUNT COMPARISON Earning a higher interest rate on your savings does matter in the long run. For example, if you have $10,000 in savings and are earning 0.50% in a savings account at your local bank, in 1 year you earn $50 in interest. If you had the same amount in a high interest savings

account, in 1

SAMPLE MODEL PORTFOLIOS Sample Model Portfolios – Background. I invest the majority of my money with 3 firms – Vanguard, Betterment, and Schwab. Because of this, I will be laying out model portfolios as if you were investing with two of these firms, Vanguard and Schwab. (Note that you can can build these model portfolios at other firms as well. 42 INCREDIBLY FUN FACTS ABOUT MONEY I BET YOU DIDN’T KNOW When his drug cartel was booming, they spent $2,500 a month to hold all of the bricks of money together. #39. Rats like to eat money. And if that last money fact wasn’t crazy enough for you, how about this one. Pablo Escobar had so much money in his ASSET ALLOCATION SPREADSHEET The reason you should start using this free asset allocation spreadsheet is simple: you will keep your money invested over the long term and watch it grow because it is invested in a way that matches your risk tolerance. Here are the features of my free asset allocation spreadsheet. Updates automatically so you don’t have to do any

calculations.

INVESTING FOR WOMEN

On the other hand, Roth IRA investors can withdraw up to the amount that they have contributed without fees or taxes. That being said, Roth IRA investors cannot withdraw earnings before age59 1/2 without a penalty. Investment for Women Tip #2: Familiarize yourself with the types of retirement accounts available to you. YOUR CHEAT SHEET FOR HOW TO START DIVIDEND INVESTING WITH The S&P 500 currently yields 2.1%. Its historical average dividend yield is 4.4%. Dividend yields have been falling for decades. There are a few reasons why. First, stocks in general are more expensive today than their historical averages. The S&P 500’s historical price-to-earnings ratio is 15.6. 10 MUST KNOW INDEX FUNDS PROS AND CONS There are a lot of benefits to index funds. I am highlighting the 5 biggest advantages that will have an impact on your wealth. #1. Low Fees. Index funds, both mutual funds and exchange traded funds, have historically been the lowest cost investments. In both cases, a professional management team runs specific funds. 10 IMPORTANT 401K PROS AND CONS FOR SUCCESS For example, if you make $35,000 and contribute 10% of your salary, you are putting $3,500 towards retirement. If your salary is increased to $40,000 then you are putting $4,000 towards your retirement. That’s an extra $500 and you didn’t have to do anything. #4. Potential For Free Money. 9 GUARANTEED STEPS TO SAVE $100,000 FAST At the end of the day, debt is your biggest enemy when trying to save $100,000. By paying off your debt quickly, you will increase the chances of you reaching your $100K savings goal. #6. Save On Taxes. Another important step to building long term wealth is to keep your taxes as low as possible. 10 IMPORTANT HEALTH SAVINGS ACCOUNT PROS AND CONS HSA Pros. There are many benefits to an HSA account. I am going to cover the ones that have the biggest impact on your finances. #1. Reduced Taxable Income. On major benefit of health savings accounts is that they reduce your taxable income, just like contributions made to

your 401k plan.

ARE HYBRID CARS WORTH IT? THE ANSWER WILL SURPRISE YOU Often hybrid cars are more expensive than other cars. According to the most recent numbers, the average price of a hybrid is $4,650 more than a gas powered car. This is because they cost more to build. The manufacturer then passes that added cost on to the buyer. For example, look at the cost of a 2019 Hyundai Sonata. MASTERWORKS.IO REVIEW Masterworks.io Review | The Ultimate Guide To This Alternative Investment Who Is Masterworks.io? Masterworks is based in New York City and was founded in 2017.. They are art connoisseurs with over 75 year’s experience in the art world and want to open the doors of top-tier, blue chip art investments to all investors. HOW TO SURVIVE ON $1,000 A MONTH With the internet, you can turn just about any skill, hobby or talent into a side hustle. You can easily earn anywhere from an extra $100 to $1,000 or more per month. It is up to you how much effort you want to put into it. Just remember, the more effort you do put into it, 10 LITTLE KNOWN SECRETS TO PAY OFF YOUR MORTGAGE EARLY 10 Tricks To Pay Off Your Mortgage Early. #1. Use Tax Refunds. According to the IRS, the average refund for 2019 was a whopping $2,535! I’m not going to get into the debate about getting such a large refund here, but I am going to show you the power of THE EFFECTS OF INFLATION The simplest way to describe inflation is that every year, the cost of products and services increase. As a result, the purchasing power of a dollar decreases. In other words, what costs $1.00 today will cost more next year based on the inflation rate, thus making your dollar

less valuable.

HOW TO RETIRE AT 50 AND LIVE LIKE A KING (OR QUEEN Step 2: Cut Your Spending. I mentioned the car buying above, but you really need to apply that idea to your overall lifestyle. When it comes to wanting to retire at 50, most won’t be able to buy designer goods and take luxury vacations and still quit our jobs early. It just doesn’t work that way. 10 MUST KNOW INDEX FUNDS PROS AND CONS There are a lot of benefits to index funds. I am highlighting the 5 biggest advantages that will have an impact on your wealth. #1. Low Fees. Index funds, both mutual funds and exchange traded funds, have historically been the lowest cost investments. In both cases, a professional management team runs specific funds. 10 IMPORTANT 401K PROS AND CONS FOR SUCCESS For example, if you make $35,000 and contribute 10% of your salary, you are putting $3,500 towards retirement. If your salary is increased to $40,000 then you are putting $4,000 towards your retirement. That’s an extra $500 and you didn’t have to do anything. #4. Potential For Free Money. 9 GUARANTEED STEPS TO SAVE $100,000 FAST At the end of the day, debt is your biggest enemy when trying to save $100,000. By paying off your debt quickly, you will increase the chances of you reaching your $100K savings goal. #6. Save On Taxes. Another important step to building long term wealth is to keep your taxes as low as possible. 10 IMPORTANT HEALTH SAVINGS ACCOUNT PROS AND CONS HSA Pros. There are many benefits to an HSA account. I am going to cover the ones that have the biggest impact on your finances. #1. Reduced Taxable Income. On major benefit of health savings accounts is that they reduce your taxable income, just like contributions made to

your 401k plan.

ARE HYBRID CARS WORTH IT? THE ANSWER WILL SURPRISE YOU Often hybrid cars are more expensive than other cars. According to the most recent numbers, the average price of a hybrid is $4,650 more than a gas powered car. This is because they cost more to build. The manufacturer then passes that added cost on to the buyer. For example, look at the cost of a 2019 Hyundai Sonata. MASTERWORKS.IO REVIEW Masterworks.io Review | The Ultimate Guide To This Alternative Investment Who Is Masterworks.io? Masterworks is based in New York City and was founded in 2017.. They are art connoisseurs with over 75 year’s experience in the art world and want to open the doors of top-tier, blue chip art investments to all investors. HOW TO SURVIVE ON $1,000 A MONTH With the internet, you can turn just about any skill, hobby or talent into a side hustle. You can easily earn anywhere from an extra $100 to $1,000 or more per month. It is up to you how much effort you want to put into it. Just remember, the more effort you do put into it, 10 LITTLE KNOWN SECRETS TO PAY OFF YOUR MORTGAGE EARLY 10 Tricks To Pay Off Your Mortgage Early. #1. Use Tax Refunds. According to the IRS, the average refund for 2019 was a whopping $2,535! I’m not going to get into the debate about getting such a large refund here, but I am going to show you the power of THE EFFECTS OF INFLATION The simplest way to describe inflation is that every year, the cost of products and services increase. As a result, the purchasing power of a dollar decreases. In other words, what costs $1.00 today will cost more next year based on the inflation rate, thus making your dollar

less valuable.

HOW TO RETIRE AT 50 AND LIVE LIKE A KING (OR QUEEN Step 2: Cut Your Spending. I mentioned the car buying above, but you really need to apply that idea to your overall lifestyle. When it comes to wanting to retire at 50, most won’t be able to buy designer goods and take luxury vacations and still quit our jobs early. It just doesn’t work that way. SAMPLE MODEL PORTFOLIOS Sample Model Portfolios – Background. I invest the majority of my money with 3 firms – Vanguard, Betterment, and Schwab. Because of this, I will be laying out model portfolios as if you were investing with two of these firms, Vanguard and Schwab. (Note that you can can build these model portfolios at other firms as well. HOW TO EFFORTLESSLY INCREASE YOUR WEALTH THROUGH BUY AND That means if you took your money and put it in an S&P 500 index fund and left it alone (buy and hold), your return would have been just shy of 8% per year over these 20 years. Now, scroll over to the right and notice the column marked as the average investor. The Average Joe returned a measly 2.6% per year over the same 20 years.

INVESTING FOR WOMEN

On the other hand, Roth IRA investors can withdraw up to the amount that they have contributed without fees or taxes. That being said, Roth IRA investors cannot withdraw earnings before age59 1/2 without a penalty. Investment for Women Tip #2: Familiarize yourself with the types of retirement accounts available to you. HOW TO SURVIVE ON $1,000 A MONTH With the internet, you can turn just about any skill, hobby or talent into a side hustle. You can easily earn anywhere from an extra $100 to $1,000 or more per month. It is up to you how much effort you want to put into it. Just remember, the more effort you do put into it, THE EFFECTS OF INFLATION The simplest way to describe inflation is that every year, the cost of products and services increase. As a result, the purchasing power of a dollar decreases. In other words, what costs $1.00 today will cost more next year based on the inflation rate, thus making your dollar

less valuable.

THE BEST CAR NEGOTIATION TRICK YOU NEED TO SAVE THOUSANDS Just remember that the average price can be impacted by some people paying a much higher or lower price than others. At the end of the day, having this number and the invoice price will give you a target price to aim for. You will also know what a fair HERE'S HOW LONG YOU NEED TO KEEP FINANCIAL RECORDS Even then, you may want to keep all of your records for 5 years after the business ends, just in case the IRS or your state tax authority has any questions. In terms of business records, this means everything, including: Articles of organization. State and Federal organization files. Bank statements. YOUR CHEAT SHEET FOR HOW TO START DIVIDEND INVESTING WITH The S&P 500 currently yields 2.1%. Its historical average dividend yield is 4.4%. Dividend yields have been falling for decades. There are a few reasons why. First, stocks in general are more expensive today than their historical averages. The S&P 500’s historical price-to-earnings ratio is 15.6. WHY DAVE RAMSEY'S INVESTMENT STRATEGY IS BAD FOR YOUR Dave Ramsey is an expert when it comes to helping people get out of debt. His simple yet actionable advice explains the steps to change your finances from living in debt to living prosperously. But while his advice on helping people to get out of debt is spot on, the investing strategy Dave Ramsey guides his followers with is dangerous.

SHOPKICK REVIEW

Another easy way to earn kicks is to link your credit card to the Shopkick app. After you do this and shop at a store that allows you to earn kicks by linking your card, you will earn kicks. Here is an example from Marshalls. Most of the stores offer kicks based on the “X kicks per dollar spent” model. 10 MUST KNOW INDEX FUNDS PROS AND CONS There are a lot of benefits to index funds. I am highlighting the 5 biggest advantages that will have an impact on your wealth. #1. Low Fees. Index funds, both mutual funds and exchange traded funds, have historically been the lowest cost investments. In both cases, a professional management team runs specific funds. 10 IMPORTANT 401K PROS AND CONS FOR SUCCESS For example, if you make $35,000 and contribute 10% of your salary, you are putting $3,500 towards retirement. If your salary is increased to $40,000 then you are putting $4,000 towards your retirement. That’s an extra $500 and you didn’t have to do anything. #4. Potential For Free Money. 9 GUARANTEED STEPS TO SAVE $100,000 FAST At the end of the day, debt is your biggest enemy when trying to save $100,000. By paying off your debt quickly, you will increase the chances of you reaching your $100K savings goal. #6. Save On Taxes. Another important step to building long term wealth is to keep your taxes as low as possible. 10 IMPORTANT HEALTH SAVINGS ACCOUNT PROS AND CONS HSA Pros. There are many benefits to an HSA account. I am going to cover the ones that have the biggest impact on your finances. #1. Reduced Taxable Income. On major benefit of health savings accounts is that they reduce your taxable income, just like contributions made to

your 401k plan.

ARE HYBRID CARS WORTH IT? THE ANSWER WILL SURPRISE YOU Often hybrid cars are more expensive than other cars. According to the most recent numbers, the average price of a hybrid is $4,650 more than a gas powered car. This is because they cost more to build. The manufacturer then passes that added cost on to the buyer. For example, look at the cost of a 2019 Hyundai Sonata. MASTERWORKS.IO REVIEW Masterworks.io Review | The Ultimate Guide To This Alternative Investment Who Is Masterworks.io? Masterworks is based in New York City and was founded in 2017.. They are art connoisseurs with over 75 year’s experience in the art world and want to open the doors of top-tier, blue chip art investments to all investors. HOW TO SURVIVE ON $1,000 A MONTH With the internet, you can turn just about any skill, hobby or talent into a side hustle. You can easily earn anywhere from an extra $100 to $1,000 or more per month. It is up to you how much effort you want to put into it. Just remember, the more effort you do put into it, 10 LITTLE KNOWN SECRETS TO PAY OFF YOUR MORTGAGE EARLY 10 Tricks To Pay Off Your Mortgage Early. #1. Use Tax Refunds. According to the IRS, the average refund for 2019 was a whopping $2,535! I’m not going to get into the debate about getting such a large refund here, but I am going to show you the power of THE EFFECTS OF INFLATION The simplest way to describe inflation is that every year, the cost of products and services increase. As a result, the purchasing power of a dollar decreases. In other words, what costs $1.00 today will cost more next year based on the inflation rate, thus making your dollar

less valuable.

HOW TO RETIRE AT 50 AND LIVE LIKE A KING (OR QUEENTREAT ME LIKE A QUEENTREATED LIKE A QUEENLIKE A QUEEN LYRICSLIKE A QUEEN SHOP Step 2: Cut Your Spending. I mentioned the car buying above, but you really need to apply that idea to your overall lifestyle. When it comes to wanting to retire at 50, most won’t be able to buy designer goods and take luxury vacations and still quit our jobs early. It just doesn’t work that way. 10 MUST KNOW INDEX FUNDS PROS AND CONS There are a lot of benefits to index funds. I am highlighting the 5 biggest advantages that will have an impact on your wealth. #1. Low Fees. Index funds, both mutual funds and exchange traded funds, have historically been the lowest cost investments. In both cases, a professional management team runs specific funds. 10 IMPORTANT 401K PROS AND CONS FOR SUCCESS For example, if you make $35,000 and contribute 10% of your salary, you are putting $3,500 towards retirement. If your salary is increased to $40,000 then you are putting $4,000 towards your retirement. That’s an extra $500 and you didn’t have to do anything. #4. Potential For Free Money. 9 GUARANTEED STEPS TO SAVE $100,000 FAST At the end of the day, debt is your biggest enemy when trying to save $100,000. By paying off your debt quickly, you will increase the chances of you reaching your $100K savings goal. #6. Save On Taxes. Another important step to building long term wealth is to keep your taxes as low as possible. 10 IMPORTANT HEALTH SAVINGS ACCOUNT PROS AND CONS HSA Pros. There are many benefits to an HSA account. I am going to cover the ones that have the biggest impact on your finances. #1. Reduced Taxable Income. On major benefit of health savings accounts is that they reduce your taxable income, just like contributions made to

your 401k plan.

ARE HYBRID CARS WORTH IT? THE ANSWER WILL SURPRISE YOU Often hybrid cars are more expensive than other cars. According to the most recent numbers, the average price of a hybrid is $4,650 more than a gas powered car. This is because they cost more to build. The manufacturer then passes that added cost on to the buyer. For example, look at the cost of a 2019 Hyundai Sonata. MASTERWORKS.IO REVIEW Masterworks.io Review | The Ultimate Guide To This Alternative Investment Who Is Masterworks.io? Masterworks is based in New York City and was founded in 2017.. They are art connoisseurs with over 75 year’s experience in the art world and want to open the doors of top-tier, blue chip art investments to all investors. HOW TO SURVIVE ON $1,000 A MONTH With the internet, you can turn just about any skill, hobby or talent into a side hustle. You can easily earn anywhere from an extra $100 to $1,000 or more per month. It is up to you how much effort you want to put into it. Just remember, the more effort you do put into it, 10 LITTLE KNOWN SECRETS TO PAY OFF YOUR MORTGAGE EARLY 10 Tricks To Pay Off Your Mortgage Early. #1. Use Tax Refunds. According to the IRS, the average refund for 2019 was a whopping $2,535! I’m not going to get into the debate about getting such a large refund here, but I am going to show you the power of THE EFFECTS OF INFLATION The simplest way to describe inflation is that every year, the cost of products and services increase. As a result, the purchasing power of a dollar decreases. In other words, what costs $1.00 today will cost more next year based on the inflation rate, thus making your dollar

less valuable.

HOW TO RETIRE AT 50 AND LIVE LIKE A KING (OR QUEENTREAT ME LIKE A QUEENTREATED LIKE A QUEENLIKE A QUEEN LYRICSLIKE A QUEEN SHOP Step 2: Cut Your Spending. I mentioned the car buying above, but you really need to apply that idea to your overall lifestyle. When it comes to wanting to retire at 50, most won’t be able to buy designer goods and take luxury vacations and still quit our jobs early. It just doesn’t work that way. SAMPLE MODEL PORTFOLIOS Sample Model Portfolios – Background. I invest the majority of my money with 3 firms – Vanguard, Betterment, and Schwab. Because of this, I will be laying out model portfolios as if you were investing with two of these firms, Vanguard and Schwab. (Note that you can can build these model portfolios at other firms as well. HOW TO EFFORTLESSLY INCREASE YOUR WEALTH THROUGH BUY AND That means if you took your money and put it in an S&P 500 index fund and left it alone (buy and hold), your return would have been just shy of 8% per year over these 20 years. Now, scroll over to the right and notice the column marked as the average investor. The Average Joe returned a measly 2.6% per year over the same 20 years.

INVESTING FOR WOMEN

On the other hand, Roth IRA investors can withdraw up to the amount that they have contributed without fees or taxes. That being said, Roth IRA investors cannot withdraw earnings before age59 1/2 without a penalty. Investment for Women Tip #2: Familiarize yourself with the types of retirement accounts available to you. HOW TO SURVIVE ON $1,000 A MONTH With the internet, you can turn just about any skill, hobby or talent into a side hustle. You can easily earn anywhere from an extra $100 to $1,000 or more per month. It is up to you how much effort you want to put into it. Just remember, the more effort you do put into it, THE EFFECTS OF INFLATION The simplest way to describe inflation is that every year, the cost of products and services increase. As a result, the purchasing power of a dollar decreases. In other words, what costs $1.00 today will cost more next year based on the inflation rate, thus making your dollar

less valuable.

THE BEST CAR NEGOTIATION TRICK YOU NEED TO SAVE THOUSANDS Just remember that the average price can be impacted by some people paying a much higher or lower price than others. At the end of the day, having this number and the invoice price will give you a target price to aim for. You will also know what a fair HERE'S HOW LONG YOU NEED TO KEEP FINANCIAL RECORDS Even then, you may want to keep all of your records for 5 years after the business ends, just in case the IRS or your state tax authority has any questions. In terms of business records, this means everything, including: Articles of organization. State and Federal organization files. Bank statements. YOUR CHEAT SHEET FOR HOW TO START DIVIDEND INVESTING WITH The S&P 500 currently yields 2.1%. Its historical average dividend yield is 4.4%. Dividend yields have been falling for decades. There are a few reasons why. First, stocks in general are more expensive today than their historical averages. The S&P 500’s historical price-to-earnings ratio is 15.6. WHY DAVE RAMSEY'S INVESTMENT STRATEGY IS BAD FOR YOUR Dave Ramsey is an expert when it comes to helping people get out of debt. His simple yet actionable advice explains the steps to change your finances from living in debt to living prosperously. But while his advice on helping people to get out of debt is spot on, the investing strategy Dave Ramsey guides his followers with is dangerous.

SHOPKICK REVIEW

Another easy way to earn kicks is to link your credit card to the Shopkick app. After you do this and shop at a store that allows you to earn kicks by linking your card, you will earn kicks. Here is an example from Marshalls. Most of the stores offer kicks based on the “X kicks per dollar spent” model. 10 MUST KNOW INDEX FUNDS PROS AND CONS There is a lot of talk about investing in index funds and passive investing in general. Some experts say this is the best way to build wealth in the stock market for the average investor. 9 GUARANTEED STEPS TO SAVE $100,000 FAST 9 Steps For How To Save $100K #1. Have The Right Mindset #2. Create Short Term Goals #3. Make Saving Effortless #4. Create A Budget #5.

Avoid Debt

10 IMPORTANT 401K PROS AND CONS FOR SUCCESS For example, in the second scenario, an employer may match 50% of your contributions, up to 6% of your salary. I know that sounds confusing, so here is what this means. 10 IMPORTANT HEALTH SAVINGS ACCOUNT PROS AND CONS Health savings accounts are becoming more and more popular with employers. The main reason is the cost savings. Health care costs continue to rise and as a THE PROVEN WAY FOR YOU TO BECOME A STOCK MARKET The answer you get is the amount of money you need to have saved for retirement. For example, if you are spending $5,000 a month, you

multiply

MASTERWORKS.IO REVIEW Masterworks.io Review | The Ultimate Guide To This Alternative Investment Who Is Masterworks.io? Masterworks is based in New York City and was founded in 2017.. They are art connoisseurs with over 75 year’s experience in the art world and want to open the doors of top-tier, blue chip art investments to all investors. 10 LITTLE KNOWN SECRETS TO PAY OFF YOUR MORTGAGE EARLY 10 Tricks To Pay Off Your Mortgage Early #1. Use Tax Refunds #2. Bi-Weekly Mortgage Payment #3. Use Credit Card Rewards #4. Pay Extra

At The Start

ARE HYBRID CARS WORTH IT? THE ANSWER WILL SURPRISE YOU The first thing you need to look at when determining if a hybrid will save you money is the cost of buying the car. Often new hybrid cars are more expensive than regular cars. THE EFFECTS OF INFLATION The Deadly Effects Of Inflation On Your Wealth What Is Inflation? Before I get into what inflation does to your wealth and what steps you need to take to limit it, we first need to make sure you understand the meaning of inflation. HOW TO RETIRE AT 50 AND LIVE LIKE A KING (OR QUEENTREAT ME LIKE A QUEENTREATED LIKE A QUEENLIKE A QUEEN LYRICSLIKE A QUEEN SHOP Great points here Jon! I’ve always wanted to “retire” by 40 using investment income such as real estate and stock.. I know that this is ambitious for me but I’d say 15 years is plenty of time and with “passive” income of around $1,500 a week (after tax) I’d say this would be plenty to have a comfortable life and even continue to keep growing an asset base :).. 10 MUST KNOW INDEX FUNDS PROS AND CONS There is a lot of talk about investing in index funds and passive investing in general. Some experts say this is the best way to build wealth in the stock market for the average investor. 9 GUARANTEED STEPS TO SAVE $100,000 FAST 9 Steps For How To Save $100K #1. Have The Right Mindset #2. Create Short Term Goals #3. Make Saving Effortless #4. Create A Budget #5.

Avoid Debt

10 IMPORTANT 401K PROS AND CONS FOR SUCCESS For example, in the second scenario, an employer may match 50% of your contributions, up to 6% of your salary. I know that sounds confusing, so here is what this means. 10 IMPORTANT HEALTH SAVINGS ACCOUNT PROS AND CONS Health savings accounts are becoming more and more popular with employers. The main reason is the cost savings. Health care costs continue to rise and as a THE PROVEN WAY FOR YOU TO BECOME A STOCK MARKET The answer you get is the amount of money you need to have saved for retirement. For example, if you are spending $5,000 a month, you

multiply

MASTERWORKS.IO REVIEW Masterworks.io Review | The Ultimate Guide To This Alternative Investment Who Is Masterworks.io? Masterworks is based in New York City and was founded in 2017.. They are art connoisseurs with over 75 year’s experience in the art world and want to open the doors of top-tier, blue chip art investments to all investors. 10 LITTLE KNOWN SECRETS TO PAY OFF YOUR MORTGAGE EARLY 10 Tricks To Pay Off Your Mortgage Early #1. Use Tax Refunds #2. Bi-Weekly Mortgage Payment #3. Use Credit Card Rewards #4. Pay Extra

At The Start

ARE HYBRID CARS WORTH IT? THE ANSWER WILL SURPRISE YOU The first thing you need to look at when determining if a hybrid will save you money is the cost of buying the car. Often new hybrid cars are more expensive than regular cars. THE EFFECTS OF INFLATION The Deadly Effects Of Inflation On Your Wealth What Is Inflation? Before I get into what inflation does to your wealth and what steps you need to take to limit it, we first need to make sure you understand the meaning of inflation. HOW TO RETIRE AT 50 AND LIVE LIKE A KING (OR QUEENTREAT ME LIKE A QUEENTREATED LIKE A QUEENLIKE A QUEEN LYRICSLIKE A QUEEN SHOP Great points here Jon! I’ve always wanted to “retire” by 40 using investment income such as real estate and stock.. I know that this is ambitious for me but I’d say 15 years is plenty of time and with “passive” income of around $1,500 a week (after tax) I’d say this would be plenty to have a comfortable life and even continue to keep growing an asset base :).. SAMPLE MODEL PORTFOLIOS More Model Portfolios. The above model portfolios are perfect for anyone with at least $25,000 to invest in the stock market. But what if you are just starting off and don’t have enough money to diversify with 9-10 ETFs? HOW TO EFFORTLESSLY INCREASE YOUR WEALTH THROUGH BUY AND I have highlighted my choices for you below. For other options, you can check out my online broker comparison chart.. Betterment: Betterment is a robo-advisor that is a perfect place for a buy and hold investor. You take 10 minutes to set up an account

INVESTING FOR WOMEN

If you want to be a rich mommy, join the club, literally! There are a host of investing tools made for and by women. One such tool is Ellevest, a robo-advisor tailored specifically for women.. Robo-advisors are automated investment tools. THE EFFECTS OF INFLATION Hyperinflation is a type of inflation on steroids. The economy grows too fast. Demand outweighs supply and businesses react by hiring workers and paying constantly higher wages. THE BEST CAR NEGOTIATION TRICK YOU NEED TO SAVE THOUSANDS If you determine you only want a car, then you don’t really need one and shouldn’t be shopping around in the first place. But with that said, you can still benefit from this guide as it will help you to save money and make sure you can afford a car when you truly do need

one.

HOW TO SURVIVE ON $1,000 A MONTH Recently I found the online game Spent and must say it was a blast from the past. It took me back to the days of thinking through all my purchases, trying to survive on my income. YOUR CHEAT SHEET FOR HOW TO START DIVIDEND INVESTING WITH Plant your dividend investing trees today, so you have a forest of dividend growth later on in life. Author Bio: This start dividend investing contribution is from Ben Reynolds at Sure Dividend.Sure Dividend uses The 8 Rules of Dividend Investing to build high quality dividend growth portfolios. 10 TARGET DATE FUNDS PROS AND CONS YOU NEED TO KNOW While there are a number of drawbacks to target dates funds, these are the important ones you need to know about. #1. Higher Cost. One of the biggest disadvantages of target date funds historically have been the

cost.

WHY DAVE RAMSEY'S INVESTMENT STRATEGY IS BAD FOR YOUR Dave Ramsey is an expert when it comes to helping people get out of debt. His simple yet actionable advice explains the steps to change your finances from living in debt to living prosperously.

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Summary. Shopkick is a free app that allows you to earn cash and gift cards for walking into stores, scanning barcodes, buying products and

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PAY OFF DEBT

​Paying off your debt is critical to your ​financial success. Here are the tips, tricks, and plans you need to beat debt once and for

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BUILD WEALTH

​​Making money and saving money ​are cornerstones to personal finance. Here is what you need to know to help you make the most and

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START INVESTING

Growing your wealth through investing is not hard. With the tips I present, you ​will be empowered to start investing and see your

money grow.

RETIRE WELL

​​​The financial moves you make today set you up for retirement success or failure. Learn how to make the most of today so you can enjoy your tomorrow. ​FINANCIAL TOOLS YOU NEED FOR SUCCESS ------------------------- Any successful journey requires tools to help along the way. Personal finance is no different. Having the right tools can make getting out of debt, learning to budget, start investing, and planning your

retirement easier.

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But what are the right tools?

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There are a lot of financial tools out there and figuring which ones are right for you can be overwhelming. I've taken the time to research them and have found the best in every category.

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All that is left for you to do is pick between the few that works best

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​GET YOUR TOOLS HERE TIRED OF MORTGAGE PAYMENTS? THERE ARE SIMPLE WAYS TO PAY OFF YOUR

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HERE ARE THE BEST ONES DEBT STINKS. BUT IT DOESN'T HAVE TO DEFINE YOU. LEARN HOW TO BREAK FREE BUILDING WEALTH IS EASY WHEN YOU HAVE A GUIDE.

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THEY SAY THE FIRST $100,000 IS THE HARDEST. BUT IT DOESN'T HAVE TO BE. ------------------------- ​HERE'S HOW TO​ MAKE IT EASIER DON'T SETTLE FOR PENNIES. EARN THE MOST INTEREST ON YOUR SAVINGS.

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AMERICANS HAVE NO IDEA HOW MUCH MONEY THEY NEED FOR RETIREMENT. FIND YOUR NUMBER HERE THE TRICK TO MAKING YOUR HSA MONEY PAY FOR YOUR RETIREMENT. ------------------------- YOUR STEP BY STEP GUIDE

HI, MY NAME IS JON.

------------------------- My mission is to help you get out of debt and start building wealth so you can achieve your dreams. And no matter where you are on the journey, I can help. I've been employed in the financial services industry for over 15 years and have been helping individuals with their finances for over 20 years. You can learn more about me here

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I've seen the good, the bad and the ugly along the way. I've learned that finances are personal. What works for you might not work for someone else. Because of this, I present you with options so you can decide what makes the most sense for you. I've also learned that psychology plays a big part with money and I address this in what I teach. I encourage you to sign up for my free email courses to help you achieve financial success. Then enjoy the journey as I help you improve your finances for the better. ​Check Out The Latest Posts THE ABSOLUTE BEST SURVEY SITES (AND HOW TO MAKE THE MOST MONEY) 7 LIFE LESSONS TO BECOME SECRET RICH FROM THE VERY WEALTHY CAPITAL ONE 360 REVIEW | THE ONLINE BANK THAT DOES IT ALL THE NO NONSENSE GUIDE TO SURVIVING CORONAVIRUS FINANCIALLY THE BEST STRATEGIES TO REACH FINANCIAL FREEDOM TRUEBILL REVIEW | THE AUTOMATIC WAY TO CUT EXPENSES

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