How to Bring “Shock and Awe” to Your Monthly Expenses

Fact: Many of us spend more than we should on things like insurance, cable, telephone service, and utilities. Fact: Many of us have not tried to lower these monthly bills in the last year, if ever. Fact: Many of us could save hundreds of dollars a month by taking a few simple steps. The realization that […]


10 Useful (and Free) Online Retirement Calculators for Saving Money

Online retirement calculators come in all shapes and sizes. Some programs are extremely simple. They typically provide little in the way of helpful information that you can actually use to plan for retirement. Others are complex affairs that require an advanced degree from MIT to use. What follows are 10 online retirement calculators that I […]


Large Cap vs. Small Cap Mutual Funds – How to Increase Your Returns

Large cap vs. mid cap vs. small cap… what’s the difference? Furthermore, why does it matter to an asset allocation plan and a well-diversified portfolio? These are important questions for every investor to answer. So first, let’s talk about market capitalization. Then, we’ll talk about why it matters. Market Capitalization Market capitalization (or market cap, […]


Here’s How Much to Save (and How to Do It!)

As we’re flooded with new products and services every day, it’s becoming increasingly difficult to stay disciplined with knowing how much to save. The temptation to buy and consume can often outweigh long-term goals, such as retiring early, having financial stability, and providing for your family. So, how does one overcome that temptation in order […]


Betterment vs. Wealthfront: Which Is the Best Robo-Advisor in 2017?

Two of the biggest robo-advisors are Betterment and Wealthfront.  At first glance they may appear to be virtually identical. Both create diversified portfolios with similar low cost ETFs. Both rebalance your portfolio, reinvest your dividends, and offer tax loss harvesting. Both have slick, easy-to-use websites. But there are some significant differences between Wealthfront and Betterment […]


JL Collins’ Tips for Achieving Financial Independence

It is not often that people become financially independent a mere 15 years after starting their career. Although he didn’t know it right away, Jim Collins did just that. In 1989, he became financially independent, only a decade and a half into his profession. Jim Collins is now the author of A Simple Path to […]