Emergency Savings

Emergency Savings

Where is your “emergency savings” sitting? The answers we’ve heard shocked us: One gentleman told us the money sitting in utility stocks was his emergency money. Good grief. Some folks have a few measly bucks socked away in a bank account, just in...
Inside ETFs 2019

Inside ETFs 2019

I just got back from Hollywood, Florida where I spent the last few days at this year’s Inside ETFs conference. It was a special trip for me because this was my first chance to participate in a panel discussion. I’m incredibly grateful to the people at...
Enjoy the Training, Not Just the Race

Enjoy the Training, Not Just the Race

I’m not one for New Year’s resolutions, but I wanted to try a couple new things in 2019.  One new thing I’ve signed up for is a half marathon.  I will be running a 13.1 mile race on April 6th of this year.  I’ve never been one to enjoy running extremely long...
Extinguishing Debt

Extinguishing Debt

Refinancing debt is not extinguishing debt. When folks tell me they “did a wise thing” and refinanced their mortgage, I seem to ask “party-pooper” type questions.  Sorry. Did you take cash out when you refinanced? What did you do with the cash...
What To Be Grateful For

What To Be Grateful For

When I was growing up, every Thanksgiving the teachers in school and relatives at Thanksgiving dinner would ask “what are you thankful for this year?” As a kid, I really didn’t like that question because I never really had a good answer.  I was more interested in the...