401k vs IRA: What You Need To Know About Each for Retirement Savings

When it comes to retirement, I’m sure you’ve heard all the letters and numbers: 401k, IRA, 403b, TSP, etc. Confusing, right? What’s the best one?  That’s why today we’re going to look at two of the most popular — the 401k and the IRA. We’ll look at the pros and cons of each so youContinue reading “401k vs IRA: What You Need To Know About Each for Retirement Savings”

7 Reasons You Need a Budget in 2021

Hello and happy Monday! It is a happier Monday than normal given Christmas is this week! I find a lot of people think a budget isn’t necessary for them. They’ve got things under control despite 79% of Americans living paycheck to paycheck. So for that reason, here are 7 reasons I believe budgeting is essentialContinue reading “7 Reasons You Need a Budget in 2021”

I Started a You Tube Channel for Personal Finance!

Hey all! Happy Friday! I wanted to let you know, I have now started a You Tube channel to add to the blog! Watch the first video below! I’m really excited about this because I like making videos and I find it’s a little easier to entertain through video than through writing. I’ll be attemptingContinue reading “I Started a You Tube Channel for Personal Finance!”

5 Simple Ways to Avoid Lifestyle Inflation

Have you ever received a job promotion or a raise and thought “Oh sweet, now we can eat out more frequently!” I have! Just a year ago, Bailey was in school and working very part time at a local mall. We lived frugally so we could save for a house and tuition at the sameContinue reading “5 Simple Ways to Avoid Lifestyle Inflation”

I’m Co-Leading a Financial Peace University Class this September!

Hello hello! I’m pretty excited to share that in September, I will be co-leading a Financial Peace University class at our church! For those who don’t know, FPU is a 9-week class created by Ramsey Solutions. They designed it to help people pay off their debt, build wealth, become financially independent and be unbelievably generous.Continue reading “I’m Co-Leading a Financial Peace University Class this September!”

3 Ways Giving Impacts Your Soul

Growing up, my parents paid us kids for chores we did around the house. We always called it an allowance but now I understand it was more of a commission — we didn’t get paid unless we did the work. Regardless, when the highly anticipated payday arrived (yay, $1.50 in the BANK!), my parents wouldContinue reading “3 Ways Giving Impacts Your Soul”

3 Tools to Help Guide You Towards Retirement

Happy Resource Friday! I love talking finances. The only thing I like more is having easy-to-use tools for making finances as effortless as possible. Personally, I believe that mastering finances is one of the building blocks of life. When we don’t have financial issues, stress is decreased in so many other areas of life —Continue reading “3 Tools to Help Guide You Towards Retirement”

3 Great Apps to Help You Budget TODAY

This post contains affiliate links. Happy Tuesday! Budgeting is such a simple part of mastering our finances, we have to visit it a lot. I’ve written on this topic in several other blog posts. And I dedicated an entire chapter to budgeting in my book Graduated and Clueless (which happens to be a free ebookContinue reading “3 Great Apps to Help You Budget TODAY”

No Time to Drift (and 4 Questions to Help Prioritize Time)

A new condition has surfaced recently called FOMO (probably not that recent but hey, I’m frequently behind the times). FOMO stands for “Fear Of Missing Out” and conveys in four words the reason so many of us experience priority issues.  Take me as an example of the struggle. I have a hard time going toContinue reading “No Time to Drift (and 4 Questions to Help Prioritize Time)”

Money Growth: How Much Should I Invest for Retirement?

I had a low-key babysitting job when I was twelve but that income was entirely active income. Not a cent of it grew without me doing anything. I had to actually provide a service to someone in order to add to my piggy bank (ok, it was actually a doggy bank). Retirement, however, is aContinue reading “Money Growth: How Much Should I Invest for Retirement?”