Betterment vs. Vanguard: Both are Great, but Which is Best for You?

etterment and Vanguard have each positioned themselves as leaders in the passive investing movement. Betterment is a robo-advisor that offers an automated service to build a customized investment portfolio, with the goal of giving you the best results while saving you both time and money. Vanguard is the premier low-cost investment vehicle. Investing with Vanguard means following founder John C. Bogle's commitment to low-fee index funds to help you maintain … [Read more...]

PeerStreet Review: My $10,000 Real Estate Crowdfunding Experiment

re you an accredited investor looking for a way to get involved in real estate investing without actually owning and managing a piece of property yourself? I have my own rental property, but I can't imagine taking on another one at this point. And the turnkey stuff either seems shady or too involved. So I've been looking at all of the various options, and asking some friends. Coach Carson, author of Retire Early with Real Estate, suggested I look into PeerStreet. … [Read more...]

Protect Your Family and Enter to Win $50,000 with USAA Life Insurance

This post is brought to you by USAA. While this is a sponsored post, all content and opinions expressed here are my own. ife insurance can get a bit of a bad rap. It can feel like a major downer to think about the possibility of dying and leaving your family financially unprepared. Then there is the stereotype of hard-selling insurance agents (like Ned Ryerson who tries so hard to sell Bill Murray a policy in Groundhog Day--BING!). It can turn a lot of people off … [Read more...]

Medi-Share Review: An Affordable Alternative to Expensive Health Insurance

oining the Christian medical expense sharing community, Medi-Share, for around $250/month has been a fantastic financial move for my family. Prior to joining this healthcare expense-sharing community, I was paying $1,100 per month for a health insurance plan with Humana! Medi-Share is not insurance (nor is it charity as you'll see). But it's a great alternative for some, and it does count as coverage in regards to the Obamacare mandate (which officially ends as of the … [Read more...]

How I’m Using the QSEHRA [Managed by Take Command Health] to Deduct My Employees’ Healthcare Benefit

n this article, I'll share how I set up a Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) to deduct the healthcare expense reimbursement benefit I offer my three full-time employees. In short, this is how I help my team with their health care needs (and get a tax deduction for it) without having to buy an expensive group health insurance policy. If you have a small team like me (or if you work on a small team) you should look into this. How I … [Read more...]

Beam (beta) Review: Is 4% Savings in a Gamified Banking App For Real?

've been using since April 25th, 2018 and I can report that yes, as part of the beta test they did pay a nice baseline 2% APY on up to $15,000. That's a top-tier rate as of June 2018, even if you compare it to other high-interest online accounts. I felt comfortable with my money there, despite concerns from other online reviewers. I spoke with the Beam team and I believe they're on an earnest mission to help people save more while pushing banking forward. Did I … [Read more...]

How to Organize Your Credit Cards and Conduct a Full Card Audit With This Simple Tracking Spreadsheet

If you’re like me, you’ve dabbled into the award travel game and found yourself with a wallet - or a desk drawer - full of credit cards; many of which you aren’t using anymore. This might have left you feeling disorganized, uneasy, and worried about making a mistake. If you’re not careful, you could end up with a bunch of annual fees for cards your not using or worse, an account could get compromised and you end up with a bunch of fraudulent charges. That's no … [Read more...]

Buying a House will Slow Down Your Path to Financial Independence (But You Should Do it Anyway)

TLDR: buying a house isn’t the best way to build wealth - the stock market is better - but buying a home is still a great idea if you do it right. Buying a House is Still Part of Our "American Dream" Despite the buzz about renting being the new hottie, buying a home is still something the vast majority of us (like 80%) want to do. And it’s natural. You finish school, you find a spouse, and you want to set up camp. Everyone’s doing it! Well, not everyone, but … [Read more...]

The 4 Big Reasons Why We’re Fixing Our Finances and Pursuing Financial Independence

In the marketing industry people often talk about selling the benefits ("hey, look how this thing can change your life") vs the features ("hey, look at this thing with all the bells and whistles - here’s how to use it"). I’ve always been more of a features guy myself. I want to know the steps involved and understand the individual components that go into whatever it is I’m buying. Leave out the fluff. When it comes to "buying" the idea of fixing my finances … [Read more...]

How to Make Extra Money Blogging [7 Important Questions Answered]

Instead of an actual interview with someone else today, I thought I'd share a bit of my own knowledge about making extra money from blogging. How Do You Make Money from Blogging? There are many different ways to make money from a blog. Today I'm going to share with you what I've been doing and how it works for me. I'm still learning and tweaking things every day. And while I'm disclaiming here, let me say that "blogging" and "social media" are ever-evolving, … [Read more...]

Important Tax Law Changes You Need to Know [ Updated for 2018]

Getting psyched to do your taxes? I suppose if you're expecting a refund you might be. Or if you're kind of a tax nerd like me, you might take some pleasure in breaking down the tables and watching the software do its thing. Or you might be interested to see how the recent Tax Cuts and Jobs Act of 2017 will affect your tax burden. In any of these cases, here are the tax law changes that apply to the 2018 tax year. Please note, these are the changes that affect your … [Read more...]

Experian IdentityWorksSM Review: [FREE TRIAL] ID Theft Protection Plus Credit Reporting

**This article contains sponsored advertising content. About IdentityWorksSM In 2016 alone, more than 15.4 million consumers in the United States were victims of identity theft with more than 16 billion dollars stolen. With online shopping and credit card usage skyrocketing, it is not surprising that identity theft hit an all time high in 2016. Recognizing this fact, Experian has been offering consumer protection from identity theft for close to a decade. The … [Read more...]