The Millennial Personal Savings Rate is in. Sound the Alarms!
Mon, 11/17/14 | 11 Comments

When someone asks me to give them one personal finance metric to really focus on that matters more than any other, there is no hesitation in my reply: “personal savings rate“.
No matter which way you …

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How I Scored a Lifetime of Massage, Physical Therapy, & Chiropractor Work for Just $60
December 3, 2012 | 11 Comments
How I Scored a Lifetime of Massage, Physical Therapy, & Chiropractor Work for Just $60

It was a normal mid-summer day. I jogged about two miles in to work, did a few situps when I got there, slaved away at my desk for 9 hours, then jogged home.
Throughout the day, …

Moving Into a Career in Nursing: my Wife’s Career Change Story
November 28, 2012 | 13 Comments
Moving Into a Career in Nursing: my Wife’s Career Change Story

In a previous post on education tax credits, I noted that my wife was going back to school for an accelerated nursing degree through a local community college.
That prompted a 20somethingfinance reader, Telly, to write …

Black Thanksgiving: Who is to Blame?
November 19, 2012 | 21 Comments
Black Thanksgiving: Who is to Blame?

Last year, number of big name retailers, including Walmart, Sears, and Toys R Us – made the jump from Black Friday to Thanksgiving night hours. That prompted a little ode to Black Friday from me.
In …

Why I’ve Decided to Max out my HSA in 2013 & Beyond (While I can)
November 14, 2012 | 43 Comments
Why I’ve Decided to Max out my HSA in 2013 & Beyond (While I can)

Over the past year, I’ve become a big fan of HSA’s.
They are a bit like an IRA on steroids (if those steroids were purchased from tax-free HSA distributions).
Tax free (pre-tax) contributions, growth through investment, and …

Fiscal Cliff: What is this Thing? Can it be Avoided?
November 12, 2012 | 8 Comments
Fiscal Cliff: What is this Thing? Can it be Avoided?

Now that the election is behind us and 2014 campaigning has begun, just about every political news story of late revolves around the impending “fiscal cliff”.
Ah, yes, the “fiscal cliff”. An impending smorgasbord of automatic …

HDHP vs. PPO Costs, Savings, & Thoughts: 1 Year After the Switch
November 8, 2012 | 21 Comments
HDHP vs. PPO Costs, Savings, & Thoughts: 1 Year After the Switch

Last year, I noted that I had made the switch from a comfortable PPO health insurance plan to an HDHP plan (paired with an HSA), during my employer’s open enrollment.
Open enrollment is going on right …


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