Where Should You Focus Your Energy? Earn , Save, Grow, or Preserve


While I often talk about your savings rate as an important metric for reaching financial freedom, I also follow that up by talking about managing both parts of that formula: earning more and/or spending less. Focusing your energy on a specific task … [Read the rest]

Morningstar Target Date Fund Comparisons: Vanguard, Fidelity, T. Rowe Price


Target Date Funds (TDFs) get their name because they adjust their portfolio holdings automatically over time based on a given target retirement date. The overall growth of TDF assets continues, especially within employer-based 401(k) and 403(b) … [Read the rest]

AmEx Special Offers: Home Depot, Sam’s Club Membership


Updated. Two targeted offers that I have found on my account are: $45 off new Sam's Club membership. Get a 1X $45 statement credit by using your enrolled Card to spend $45+ in a single transaction in-Club on a new Sam's Club Membership at any … [Read the rest]

Chase Freedom 10% Back on Hotels and Car Rentals via Ultimate Rewards

The Chase Freedom credit card has a new special promotion offering 10% cash back on up to $2,500 in combined hotel and car rental purchases made through Chase Ultimate Rewards in July. Details: The purchases must be made July 1–31, 2 … [Read the rest]

FreeCreditScore.com Review: Free Experian FICO Score, Credit Report, and Credit Monitoring


The URL is suspiciously generic and raised my scam radar, but Experian-owned FreeCreditScore.com has been revamped to offer a pretty good package - a free FICO score, full credit report, and free credit monitoring based on your Experian credit report … [Read the rest]

Citi® Hilton HHonors™ Visa Signature® Card Limited-Time 75,000 Point Offer


Limited-time 75,000 point offer. The Citi® Hilton HHonors™ Visa Signature® Card, from our partner Citi, is their no-annual fee co-branded card featuring a new limited-time offer with the following perks: Earn 75,000 40,000 Hilton HHo … [Read the rest]

Real Estate Crowdfunding Experiment #2: Fundrise Income eREIT Review


Updated with Q2 2016 performance results. My second real estate crowdfunding investment is $2,000 into the Fundrise Income eREIT. (REIT = Real Estate Investment Trust.) Their investment claim is being the "first ever low-fee, diversified … [Read the rest]

Fidelity Index Mutual Fund and ETF Expense Ratios


Fidelity Investments recently announced expense ratio drops on 16 index mutual funds and 11 indexed sector ETFs, effective July 1st, 2016. They are the second-largest index mutual fund manager in the industry with many asset in employer-sponsored … [Read the rest]

JetBlue Will Match Virgin America Points For Potential $1,000 Airfare Value


Earlier this year, JetBlue wanted to merge with Virgin America, but Alaska Airlines ended up winning the bidding war. Now they are just fighting over potential customers, which means some interesting things for us! The newest promotion offers … [Read the rest]



A few of you are waiting for me to talk about Brexit. Part of me is honored that you care about my opinion. The other part of me is appalled that you care about my opinion. Why would you listen to me?!? ;) Here goes: I don't know what's … [Read the rest]

Costco Members: Free Sam’s Club Access Through July 4th

Sam's Club must be tired of Costco getting all this free publicity from them switching from American Express to Visa. Their Twitter account just announced that showing your Costco Membership card will get you a free day pass to any Sam's Club … [Read the rest]

Index Funds: The Movie


Have you been unsuccessfully searching Netflix for a 72-minute documentary about index funds? Well, your wait is finally over. Game of Thrones, watch your back! :) Also adapted from a book of the same title, Index Funds: The 12-Step Recovery … [Read the rest]