Wow, 2017. A year I’ll never forget – but will try desperately to. 2018 is gonna be better. It has to be.
But hey, on the plus side, 20somethingfinance just turned 10 YEARS OLD – a DECADE!!! Woo!
That’s a lifetime in the Internet age and it feels good to hit that milestone.
It’s been a fun ride, but I’m not done yet. Although I’ve slowed down a bit from last year’s record pace, 2017 was still a solid year – with 57 new posts added to the archives.
And there will likely be some exciting developments in 2018 that I can’t talk about now, but hope to if they come to fruition.
As a note to newcomers, this site is still an independent 1-man writing show and has been since day 1 (with the support of wonderful friends, family, and readers/commenters, of course!). All of the articles here are written by me – no ghost writers, no fillers, no pandering guest blogs, no sponsored post garbage, etc. I write about the stuff that I find interesting and think most of us can benefit from knowing. Hopefully, some of it resonates, inspires, entertains, or educates.
As always, I’d love your feedback on what you liked or disliked, what has stuck with you, and what influenced positive change. And if there are any particular topics that you’d like me to explore, re-explore, or dig deeper on, please share your feedback and requests in the comment section.
Thanks for following, commenting, and sharing with others!
Here are the picks for the top posts of 2017…
- Extend the Useful Life of your HDTV with an HDMI Switch: old HDTV’s typically have only 1-2 HDMI hookups, which makes them fairly useless in today’s HDMI world. Fortunately, there’s a fix that doesn’t involve buying a new TV.
- Safe Withdrawal Rate: how to Calculate how Much you Need to Retire: one of my favorite posts to research and write.
- Get an IRS EIN Number to Protect your SSN on W9’s for Self-Employment Income: consider this a must if you have self-employment income through W9’s.
- Should you Pay Off your Mortgage Early? I did. Here’s why.: conventional wisdom be-damned – I paid off my mortgage early, and I don’t regret it one bit.
- Retirement Number Predictions Gone Wrong have Consequences: most people dramatically over-estimate and under-save what they need to retire. And there are some serious downsides.
- The Role of Luck in Financial Success: one of the most under-appreciated components to financial success is luck.
- How to Optimize, Improve, & Get the Most Out of your Crappy 401K: never assume that your default 401K setup is optimal. This article tells you how to get the most out of your 401K.
- Conformity & Personal Finance: conformity can take us a long way in becoming productive members of society. But it will do you little good in the world of personal finance.
- Trumpcare: Tax Cuts to the Wealthy in Exchange for American Lives: the headline says it all – glad this failed.
- The Law of Diminishing Returns & Personal Finance: I’d recommend looking at all of your purchases with this concept in mind.
- The Costco Liquor Cabinet: A Costco Alcohol, Wine, Beer, & Spirits Price List: I could never find this online, so I just created it myself.
- Why we Pay Too Much for Insurance (& how to Cut your Costs): in order to really save money on insurance, you have to re-conceptualize its role in your life.
- Cut your Grocery Bill with a Grocery Price List Spreadsheet: this really can be one of the most applicable ways to cut monthly expenses.
- Is Personal Finance a Legit Reason to Not Have Kids or Pets?: my answer may surprise you.
- Wealth Alone Does Not Make a Hero: oh, if only the world’s billionaire’s collectively took this lesson to heart.
- Equifax Hack: Your Data was Hacked. Here’s How to Protect Yourself (without Equifax!): what a mess. This is a comprehensive guide on how to clean it up.
- What is a Credit Freeze? And Should you Use it?: in light of the Equifax hack.
- What is a Credit Lock? A Credit Lock Versus Credit Freeze Breakdown: also in light of the Equifax hack.
- Good Tax Reform or Trickle Down Economics? A Look at the New Tax Plan: spoiler: it’s the latter. And while the plan changed somewhat from when I originally wrote this, it wasn’t for the better.
- The Costco Appliance Warranty can 4X the Manufacturer’s Warranty (for Free): discovered this gem when our 3 year-old dishwasher suddenly crapped out on us.
- The Charitable Donation Deduction Crash that Nobody Sees Coming: this is happening. Hopefully you were able to take advantage.
- Mainstream Personal Finance Advice for Uninspired Americans: “mainstream” is merely a reflection of the masses. And the masses are pretty uninspired when it come to personal finance.