Brand new home on sunny day bought with likely either a 30 year or 15 year mortgage.

The ultimate showdown: 30 year vs 15 year mortgages.  Which one should I pick?  If the housing market is anything in your neighborhood like it is here in mine, there may be a lot of people asking that same question around you.   Buying a home is a huge financial decision, and you need to be as prepared with good information as possible before you walk into the process.  In this post, I want to Read more…

Loose cash bills.

You can pay off debt fast.  Yes, you.  How fast?  Well, that depends on how serious you are about doing what it takes to make it happen.   My wife and I began our marriage $28,000 in student loan and credit card debt.  This is a pretty typical starting point for many American families, but that’s where our “typical” way of doing things stopped.  Over the next 23 months, we did the things outlined in Read more…

Cars in a line on car lot.

I hear people give all kinds of reasons for coming off the lot with a car note.  A lot of the time I wonder if people even realize that you are allowed to pay cash for cars.   Then I hear people I counsel say things like, “I just thought everyone always had a car payment,” confirming my fears.  There really is an epidemic of misinformed consumers being told simultaneously that having a car is Read more…

Flower against sunrise backdrop.

Now that I’m on this side of it, I can tell you that debt free living is worth all the hard work it took to get here.  The 23 months it took us to pay off a credit card and student loans feels like a distant memory, but that wasn’t so while it was happening.  While paying it all off it felt like it was going to take FOR-EV-ER.   via GIPHY   So how Read more…

Is college the right choice for you?  Are you a high school student trying to navigate through all the options available to you after graduation?  Maybe you’re a parent with a high school student and you’re starting to realize that you aren’t prepared for the costs of sending them to a four-year university.  Are you an adult who is unsatisfied with your career path and wanting to go back to school for a new degree? Read more…

The average American household as of the end of 2016 had the following debt averages by category: credit card debt of $16,061, Car Loans of $28,535, Student Loans of $49,042. The internet and business television are overrun with “the sky is falling” articles and talking heads who are doing more shouting than talking over this subject, and not without good reason.  The level to which our culture has become comfortable with spending everything we make Read more…

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