Him or Me?? Who Would You Rather Be?

who would you rather be

That guy at work…he’s got everything. The house, the car, the gorgeous wife. He’s the true definition of success, and if you could be anyone in the world, you’d be him.

Well…hold on now. Is your envy really warranted? Does this guy really have it all put together? Sometimes the picture from the outside is very different from the one on the inside.

Him or Me? Who Would You Rather Be?

Here’s the quick comparison:

So basically…

He’s got a 3,000 square foot, brand new house He drives a foreign luxury car He’s always wearing the top brand clothes, and He golfs at the nicest courses in the U.S.

I, on the other hand:

Live in a 1,400 square foot house Drive a 2003 Pontiac Vibe Wear whatever costs less than $15 per piece (which I must say, doesn’t typically look too bad…but it’s definitely not Lacoste…), and I . . . → Read More: Him or Me?? Who Would You Rather Be?

Where is Your Money REALLY Invested? Do You Know?

where is your money really invested

If I asked you, “Where is your money really invested?”, what would your response be?

For 95% of the world, they’d probably say, “In my 401k…” and then they’d look at me like I was missing half my brain, because where else could their invested money possibly be?

First of all, there are plenty of other places to invest your money outside of your 401k, but that’s not even what I’m talking about. What I’m saying is “Within your 401k, what is your money actually invested in?” Most people have absolutely no idea, and it’s probably killing them and their future retirement plans.

Where Is Your Money Really Invested?

This post contains affiliate links, but it costs you nothing and I actually get paid a little bit for all the work I do around here! 😉

In finance speak, what we’re really asking is, “What is your asset allocation?”

In . . . → Read More: Where is Your Money REALLY Invested? Do You Know?

Building Your Credit – Should You Even Bother?

building your credit score

Everyone’s concerned with building their credit these days, but should they be? I mean, what are we actually doing? We’re borrowing money so we can get a good score, so that we can then borrow more money… And how do we get wealthy in the mix of all of this?

Most don’t…

So naturally, we should avoid credit cards and ignore our credit score entirely, right?

Not so fast…

Building Your Credit – Should You Even Bother?

If the world didn’t care at all about our credit score, then yes, I’d be right there with you. I’d say let it go to zero and never borrow money again. BUT, unfortunately, the world revolves around the credit score these days.

While we don’t necessarily want to drive up our credit score to buy a boat, car, or cottage on credit. All those items should be taken care of with cash. However, . . . → Read More: Building Your Credit – Should You Even Bother?

8 Ridiculously Simple Ways to Save Money on Fall Fun

save money on fall fun

When the first leaf of the season drops to the ground, some people declare it “Pumpkin Everything Season!!” If it’s not you, I bet someone you know fits that description to a T.

You don’t have to be a pumpkin lover to want to make the most of the fall season. Like most things in life, you can choose to splurge or save on this season. But I’m here to argue that you can pack a ton of fun into your autumn without spending a fortune.

This post has been written by our fabulous staff writer, Jamie Jeffers.

8 Ways to Save Money on Fall Fun

In fact, here are 8 crazy simple ways to invest yourself in the season without emptying your wallet.

Host a Bonfire

Fire? Food on a stick? Cozy flannels and warm drinks? What’s not to love!

Assuming you don’t need a pricey burn permit for . . . → Read More: 8 Ridiculously Simple Ways to Save Money on Fall Fun

How to Make a Passive Income with Wealthsimple

passive income with wealthsimple

Are you interested in earning a passive income? Well heck yeah, who wouldn’t be?? I mean, if you had a chance to hand someone $1,000 with the agreement that they’d come back to you in 6 years with $2,000, we’d probably all hurry up and scrounge up $1,000, right? Actually, I’d gather up $100,000 to try to get $200,000! 😉

This is what passive income does for you. It allows you to invest either time or money up front, and then kick back and watch the money flow in while doing absolutely nothing. An easy example to comprehend is writing a book. Once you print the thing and put in on the shelves, the work is done.

All you have to do after that is sit back and ask your publisher how many you’ve sold and what your royalty check is. Sounds pretty sweet, huh?

Related: Ready to Invest? Earn . . . → Read More: How to Make a Passive Income with Wealthsimple

5 Things You Didn’t Know About Your Student Loans (and Absolutely Should!!)

about student loans

More than 2/3 of students graduate with student loan debt. Worse than this, the median borrower graduates with loans in excess of $30,000. It’s no surprise that student loan debt has been on the rise in recent years, but the countless truths that students simply don’t know about student loans is astonishing.

5 Things You Didn’t Know About Student Loans

If you have college debt, you’re obviously not alone, but that doesn’t mean you can go on being oblivious about student loans. Do yourself a favor and take two minutes to learn about the five student loan truths below. By the end, you’ll be happy you did.

1) Student Loans are NOT Bankruptable

Kids graduate from college (or worse, they quit before getting their degree) and they get their breath taken away by their student loan debt totals…

“How in the world did this happen? How could I . . . → Read More: 5 Things You Didn’t Know About Your Student Loans (and Absolutely Should!!)

How to Flip a House: From the Search to Sold!!

flip a house

Have you ever thought about flipping houses for some extra income? The people on TV make it look pretty easy, but is it really a viable means to making some additional dollars? Personally, it was never in our plans, but my sister and brother-in-law have made it a speedy reality. Less than three years ago, they bought their first flip house, earned more than $35,000, and have gone crazy with four more flip houses since!

In this post, written by my sis from VHHomeFlips.com, they’ll teach you:

How to find cheap houses How to calculate the offer The best ways to renovate on a budget How to sell it for HUGE profits!

If you want to flip a house for some extra income, there’s nowhere better to find the information you need than right here. Enjoy!

How to Flip a House: From the Search to Sold!!

Why do we . . . → Read More: How to Flip a House: From the Search to Sold!!

The Truth About the Roth 401k and the Traditional 401k

Roth 401k and the Traditional 401k

“If you contribute to a Roth 401k, all the money can be withdrawn at a later date completely tax-free. If, however, you put that same amount of money into a Traditional 401k, it will be taxed and you’ll only end up with 2/3 of your nest egg. This is why you should contribute to a Roth 401k every time.”

What a crock of bull.

I’ve heard Dave Ramsey say this about a hundred times and it still ticks me off. This statement actually bothers me so much that I’ve decided to dedicate this entire post to prove it wrong and to educate all of you readers on the actual facts of the Roth 401k and the Traditional 401k.

I’ll teach you:

what makes them different, and what the benefit is of having one vs. the other The Truth About the Roth 401k and the Traditional 401k

The Roth 401k was . . . → Read More: The Truth About the Roth 401k and the Traditional 401k

4 Low-Cost Ways to Get Your Business Uniquely Branded

uniquely branded business

Every company must stand out, so they never get lost in the sea of competitors and lose valuable business. There are no exceptions in this area. It’s either figure out a way to remain top of mind with customers or become a casualty. Startups aren’t excluded either, especially when statistics show that 7 in 10 of these budding business ventures fail. Other statistics reveal a grimmer picture and indicate that as much as 90 percent of startups fail, never providing the promised returns on their venture capitalists’ investments.

Branding opportunities let businesses create unique connections with customers. Each time a consumer or customer sees a particular brand’s logo, that branding message forms an impression on their minds. It’s hoped that with enough impressions made, consumers will become customers and, in turn, customers will become loyalists.

4 Low-Cost Ways to Get Your Business Uniquely Branded

Companies can spend a ton of . . . → Read More: 4 Low-Cost Ways to Get Your Business Uniquely Branded

The Most Sought After Asset of All Time…and Why Very Few Actually Have It

most sought after asset of all time

I have recently learned of an asset so great, so highly important and valued that even the Kings of this world’s greatest countries would bow down just for a piece of it. Bill Gates, Mark Zuckerberg, and Warren Buffett all drool for it. They’d buy up all of it if they could, but even they in their infinite wealth don’t have enough money to make the purchase.

No, it’s not gold, it’s not diamonds, and it’s not even the $170 million hunk of jade that was found deep in the mines of Myanmar.

The asset that is valued by all, the most sought after asset that’s owned by no one….is time.

The Most Sought After Asset of All Time…is Time

We focus our thoughts pretty much on just one thing on this site: money.

Money equates to power, prestige, and short-term enjoyment. But you know what? It doesn’t automatically equate . . . → Read More: The Most Sought After Asset of All Time…and Why Very Few Actually Have It