Using debt is choosing less sooner over more later. You will have less over your lifetime if you spend more on interest and save less into investments. The opposite is also true. Life satisfaction is usually found in an intentional balance.

“You gotta spend money to save money.” Sometimes spending a little money is the best way to save a lot of money. In this episode we look at three ways to spend some money in order to save more. They are Detail your Car Buy Gift-cards Hire a Coach Detail your Car One of the…

“Advertising is the art of convincing people to spend money they don’t have for something they don’t need.” Will Rogers Cashflow in King in Financial Planning. Income and outgo are two sides of the same coin. Much of retirement planning is figuring the outgo and how to support it with income. Saving money helps us…

Many people follow Dave Ramsey’s principles. But many others, including professionals, think he’s mistaken. So who’s wrong, Dave or his Detractors?