hero-pt2

Hi, I'm PT.

This is my money blog.

I'm dedicated to helping you fix your finances and build the life you want.

I'll help you learn the steps you need to take and find the tools you need to use on your way toward financial freedom.

Philip Taylor "PT" CPA, Blogger,
& Entrepreneur
Find the best financial tools available today

How to Save 20% of Your Income in Your 30s

Today I want to show you how over the ten years of our marriage (my 30th through my 39th year) we’ve saved an average of 20% of our pre-tax income towards retirement. In our worst year, we saved 10%, and in our best, nearly 40%! Not bad, right? 20% just happens to be one of […]

The 8 Best College Degrees for Job Security

In 2005, after working for peanuts for two years at a Boys and Girls Club, I decided to go back to school to become a teacher. Teaching seemed like a great career choice: I loved working with kids and I knew that teaching would provide me with job security for the rest of my career. […]

Take the Frustration Out of Insurance Shopping with PolicyGenius

In the five years that I have been writing about personal finance, I have done quite a bit of research on life insurance and other insurance products. In that time, I’ve concluded that I’d rather do pretty much anything—including cleaning the Indianapolis Motor Speedway with a toothbrush—than shop around for insurance. If you have ever […]

Choose Your Retirement: Find the Right Path to Your New Adventure (Book Review)

Ready to get excited about the topic of retirement again? Today I have the pleasure of reviewing Choose Your Retirement: Find the Right Path to Your New Adventure by Emily Guy Birken. You know Emily as my friend and long-time contributor here. Read Emily’s articles. This is the second book from Emily. Her first, The […]

Cancel Your Forgotten Subscriptions with Trim (AskTrim.com Review)

I have a near OCD-level need to check my credit card statements. On an almost daily basis, I look over the charges on the credit card my husband and I share and keep track of where our money is going. For instance, several years ago I signed up for a free 30-day trial of Shoprunner […]

Our Amazing [and Almost Free] Trip to Disneyland

Have you been to Disneyland (aka The Happiest Place on Earth)? Most families dream of one day taking their kids to one of Disney’s theme parks. If that’s you, you’re in luck. In this article, I’ll share the details of our recent trip to Disneyland and how you and your family can afford a fun […]

Here’s the Annual Tax Calendar and the Last Day to File Taxes This Year

No big surprises this year. The last day to file taxes in 2016, for the 2015 tax year, is April 18, 2016. This is a few days later than the normal mid-April date since Washington, D.C., will celebrate Emancipation Day on the 15th. In the past it’s also been pushed back because of the way […]

TickerTags Review: Leveling the Information Playing Field for Investors

One of my favorite money-related movies is the 1983 Eddie Murphy and Dan Aykroyd comedy Trading Places. The second half of the film revolves around Murphy and Aykroyd’s interception of a critical USDA report about the orange crop forecast, and they use this inside information to profit from trades in frozen concentrated orange juice. While much of […]

How to Find Time to Make Extra Money

If part of your strategy to improve your finances includes bringing in some extra money, then you’ve surely asked yourself, “when am I going to find time to do this?” Our lives aren’t getting any easier. We have our regular jobs, our families, our friends, and not to mention all that social network time we […]

20 Unique Business Ideas That You Can Start Today

Small businesses are the backbone of America’s economy, no question about it. The numbers speak for themselves: 29 million = Number of small businesses in the US. 500 million = Number of patents filed annually in the US. 50% = Half of the private sector is employed by small businesses. All it takes is one […]

FamZoo Review: Preparing Your Kids for Real World Finances

I have two kids, aged 5 and 2, who love playing with their piggy banks. At least once a week, they ask for pocket change to deposit, and they are excited to find coins in the sofa or on the ground. But as much as I appreciate the classic money lessons an old school piggy […]

The Best Student Loan Refinancing Options

Student loan debt is a tricky beast. Not only do student loans now account for $1.2 trillion, student debt is currently the second biggest source of personal debt after mortgages. The big difference between a mortgage and a student loan, however, is the fact that refinancing a mortgage is a (relatively) simple and well-known process, […]