About Philip Taylor

Philip Taylor, aka "PT", is a CPA, financial writer, FinCon CEO, and husband and father of three. He created PT Money back in 2007 to share his thoughts on money and to meet others passionate about managing their finances. All the content on this blog is original, and created or edited by PT. Read more about Philip Taylor, and be sure to connect with him on Twitter, Facebook, or view the Philip Taylor+ Google profile.

How Just Talking About Money Can Raise Your Financial Health Score

We’re just not that financially healthy as a Country. 57% of us Americans are struggling financially. Many of us are struggling with debt or poor savings, and living paycheck to paycheck. What if I told you there’s a way out for us all? I had a beer with a new friend yesterday. He asked me […]

5 Legit Paid Survey Sites to Make Some Extra Money

You have probably seen the advertisements for paid survey sites in various corners of the Internet. These ads make pretty big promises: Get paid to take surveys! Earn big money in your spare time! No money to join! It’s easy to have a cynical reaction to such promises. There are a lot of scams out […]

How to Save 20% of Your Income Consistently Each Year 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 […]

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 […]

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 […]

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 […]

Why You Need to Start Building an Emergency Fund Now

I write a lot about the emergency fund (i.e. rainy day fund) on PT Money. It just occurred to me that I hadn’t actually written a post on starting one. I did detail how we put our savings in a high-interest savings account. However, that post could easily be titled “open up your emergency fund […]

The Official PT Money Tax Preparation Checklist

Time to file your taxes if you haven’t already! We’ve still got plenty of time before the last day to file taxes, so you’ve got time to get ready. But even if you want to purposefully wait till the last minute, it doesn’t hurt to start pulling together your information. I still try to follow […]

Where Should You Get Your Taxes Done?

I couldn’t resist this topic as I just received a question from a reader. They were asking where I recommend that people get their taxes completed. Here’s the question: “How do you recommend people get their taxes “done”? Should we go to an accountant, or one of those companies that have the guy dressed as […]

The Cash Flow Analysis for Our Rental Property at Year End 2015

It’s time once again to do our annual rental property cash flow analysis. To see 2014 and before, visit the link at the bottom of the post. Did we make money this year? Is the investment still worth it? What needs to change in 2016? These questions and more will be answered in our annual […]

Best Credit Card Bonus Offers of 2016

[Advertiser Disclosure] A great way to take advantage of your good credit is to cash in on high bonus credit card offers. After all, if you’re going to get a new credit card you might as well consider the upfront bonuses many of the card issuers offer. Not every offer will make sense though; some […]