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🎙️Episode #443 – What if you didn’t have to wait until 65 to enjoy life? Coach Carson and Jillian share how mini retirements can help… The post You Don’t Have to Wait 15 Years to Retire (Here’s the Smarter Way) appeared first on Coach Carson.
Did your dream holiday turn into a nightmare? The weather is telling us that Summer is over and any thoughts of our holidays away may be distant happy memory for many of us. But for some disappointed holiday makers, their dream escape did not live up to expectations. Helen Dewdney, AKA The Complaining Cow, a consumer champion, is on hand to help explain what you are entitled to and how to get it. Were you […]
Hey Everyone! It’s September, and the long days of summer are almost gone. RB40Jr started high school, and he seems to be enjoying it. He is taking Physics, Advanced Algebra, Computer Science, Robotics, and other required classes. He loves these science classes. I guess tech is a good fit for him. That’s great. I hope it’ll work out. Who knows what will happen by the time he graduates from college? On the downside, we spent a bunch of money on back-to-school… In August, our cash flow was not good. We spent more than usual on health, back-to-school, and housing. Our passive income was also a bit low. You can see the details in the cash flow section. On the brighter side, our net worth hit a new high. The stock market performed very well in August. I’m not worried about our cash flow because our net worth increased so much this year. Alright, I’ll share how I’m doing with my New Year’s goals. Then, I’ll go over our net worth and cash flow. Let’s go! 2025 Goals Here is my 2025 goal spreadsheet. It’s great. Try it out if you can’t keep up with your New Year goals. The key is to review the spreadsheet monthly to track your progress. That way, you can see which goals need extra attention and work on them. It looks like I’m on track for most of my goals. Financial Goals Sell Rental Condo This was my main goal for 2025. The previous tenant moved out of our rental condo in January. I fixed it up and listed it for sale. Unfortunately, the condo market was terrible in Portland. We only had one viewing in 4 months! I think buyers are afraid right now. The economy is too uncertain and the interest rate is high. That’s why I decided to rent out the condo for now. We’ll put it on the market again in a few years. Prep duplex for sale Along the same line, I want to sell our duplex* after RB40Jr finishes high school in 2029. We plan to move to Southern California to be closer to families. Mrs. RB40’s parents are getting older, and they need help. *We live in one unit and rent out the other. This year, I wanted to repaint the exterior. However, the plan changed to kitchen remodeling. We are getting the cabinet resurfaced, a new countertop, and new flooring. This will give our kitchen a much-needed facelift. Max out my Roth IRA The Roth IRA is the best investment account you can have. You don’t have to pay tax on the gains when you withdraw. This is huge. If you start young and max out your Roth IRA every year, it’ll be a great resource in retirement. I’ve maxed out my Roth IRA contribution for over 20 years. But that streak probably will end this year. My earned income is decreasing quickly. After 8 months, I only made $4,877. At this pace,
The stock market outlook continues to show an uptrend for U.S. equities.
As inflation normalizes, consumers may see lower borrowing rates for buying homes and cars and using credit cards. It doesn’t happen overnight, but it will provide solid relief for those who put their plans on hold. The Federal Reserve (Fed) raised interest rates 11 times between March 2022 and July 2023 to combat soaring inflation, which peaked at over 9%. It increased its benchmark fed funds from 0.0%- 0.25% in March 2020 to a high […]
The retirement financial planning tricks of the trade is not a long list. There are a few things you can do to greatly boost your retirement income, while you manage risk. The RRSP / RRIF meltdown might be the most useful retirement ‘hack’. The strategy entails spending down your RRSP funds at an aggressive rate, starting in your early 60’s to enable the much higher CPP and OAS payments that you will receive at age […]
Send us a text Join us on Average Joe Finances as our guest Ben Reinberg, a seasoned commercial real estate investor with over 32 years of experience, shares the story of his career, discussing the various niches within commercial real estate, with a particular focus on medical office spaces. He talks about his new book, […] The post Podcast 311. Building a Hard Asset Empire with Ben Reinberg appeared first on Average Joe Finances.
This past weekend, our family of five packed up our gear and went camping. The best part? It cost us nothing. Yep, we went camping for $0. Our campsite was free (thanks to dispersed camping along the Nanahala), we already owned the equipment, and nature provided the entertainment. We roasted marshmallows, told silly stories, explored trails, and sat under the stars. It was simple, refreshing, and memorable. It also reminded me of something I say […]
The month of August 2025 as ended and it was quite the month! On August 18th, Pierre Poilievre won the by-election in Battleford-Crowfoot in Alberta. This allows him to return to parliament as leader of the opposition. This could be a beneficial if the two major parties are willing to come together to help Canada. In Canada, they have been major wildfires in several provinces that are affecting people lives and the transportation of goods […]
Save, invest, prosper with My Own Advisor. Weekend Reading – What is middle class anyhow? Hi Folks! Welcome to some new Weekend Reading: another interesting one about defining the middle class, where possible. In case you missed some recent posts: Weekend Reading – More warnings against index funds And…more recently this week, I posted our new dividend income trend for the year:… Join the million dollar portfolio journey. The article Weekend Reading – What is […]
Our family just got back from our September, 2025 Disneyland and DCA trip during Halloweentime at Disneyland! We planned this trip “last minute”, meaning only two weeks out, but I was fiddling with the plans until 48 hours before our first Disneyland day. Had I planned this trip months ago, I would have paid almost […] The post Disneyland on a Budget 2025: How to plan a last minute Disneyland trip for Halloweentime at Disneyland! […]
Nothing beats the sense of fulfillment you get from feeding your loved ones. Well, except for getting paid for it! Imagine a dream life where you cook food every day and get paid to do it. What if I tell you that this dream life is just a blog post away? If you still don’t… Read More The post 10 Best Ways to Make Money Cooking at Home appeared first on FinSavvy Panda.
Sleepover ideas for kids hosting their first or tenth sleepover. Such fun sleepover activities to keep everyone having fun (and making memories). I can remember my kid’s first sleepover, and the mixture of excitement and nerves leading up to it. What was he mostly nervous about? Was what he and his friend would do when they got bored – he wanted to be a good host. . Coming up with great sleepover ideas for kids […]