As enticing as it sounds, steer clear if you can my friends. Most financial advisors that give a crap about you will advise you to not touch this retirement savings.
Clutter is untidy, messy, and disorderly. Ultimately, clutter impedes movement and reduces effectiveness. Whether it is physical or emotional clutter, it is the result of disorganized habits.
“A hero is an ordinary individual who finds the strength to persevere and endure in spite of overwhelming obstacles."
~ Christopher Reeve
Once the COVID Crisis started shutting down the Nation, it started to shut down it's people. It feels for many, that all progress is lost. Including me! But NO! I've decided I'm going to continue doing what I love.
Budget•losophy - The thinking, reasoning, and WISDOM of working a personal budget. Let's call it a mindset. Call it what you want, but never call it "Late for dinner." :-$
Buying a 🏡 is a big purchase. I bet some of you have this on the "2020 Goals" list. Even if this isn't in the plans now, maybe it is in the next 5-10 years. It's important to be prepared. Knowing the right steps ahead of time, will help to prevent costly mistakes.
Why pay off a mortgage early, if it's possible? Hmmm, we can think of several reasons why we should if we could. BUT, let's not let the tax write-off be a reason for hanging onto that debt.
As you stare in envy at the ones who paid attention, and got off on the correct exit… remember one thing… YOUR greatness awaits you at the next exit.


Everybody has to drill for their own oil. Some people are equipped with better rigs, tools, and people in their corners.