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General Finance
Financial Independenxe, saving, investing, real estate
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Raleigh , North Carolina , United States
Life stage:
SIK (Single Income, Kids)
Lawyer (Attorney)
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Latest Blog Posts

I hope you’re all having a great summer!  I certainly am, but as you might have noticed, my busy summer has kept me away from the blog.  And I have really missed writing. Since my last post, I finished up a work conference, attended a wedding in Virginia, traveled to the mountains of North Carolina, and spent a week at the beach.  In addition to my busy calendar, I was sidetracked dealing with a real mess at ...
Posted: Jul 17 2017 @ 12:02 AM
I am writing from sunny Myrtle Beach, South Carolina where I am attending a legal conference.  While sitting on the white sand soaking up the sun today, I was thinking about some of the things that inspired me to move from broke (and almost bankrupt) to the double comma club. And I’m not talking about the standard big picture motivations like freedom, getting out of the rat race, spending more time with family, and achieving ...
Posted: Jun 03 2017 @ 9:54 AM
Posted: May 26 2017 @ 10:11 PM
Happy Friday to all of my readers! I hope you’re all getting ready for a fun and relaxing weekend.  I’m a bit late with this post, as I have been traveling over the last couple of days.  I attended my nephew’s high school graduation in Huntsville, Alabama.  We had an awesome time visiting with family and celebrating my nephew’s big day.  He had an exciting high school career and is ...
Posted: May 26 2017 @ 10:11 PM
This blog is all about my story of going from broke (and almost bankrupt) to the path of financial independence.  I love sharing ideas for saving, investing, and winning with money.  I hope that somehow my story will help others avoid the terrible mistakes I have made in the past.  I also want readers to see that it is entirely possible to recover from bad money mistakes and become financially ...
Posted: May 19 2017 @ 4:32 PM
“A rise on the securities market cannot last any length of time unless the public is both willing and able to make increased purchases.”  F. Machlup This quote really captures my sentiment about the consuming public.  Mr. Market relies on the public’s addiction to earning more and spending more to keep the Wall Street engine humming along.  Meanwhile, personal savings rates are abysmal – around 5%.  Conveniently, a 5% savings rate will ...
Posted: May 12 2017 @ 5:22 PM
As I shared with you in an earlier post, I have decided to start flipping houses as an additional side hustle to enhance my retirement savings.  Yesterday my business partner and  I closed on our first sale.  As I reflect on the overall experience, I can definitely say that I learned a lot and will certainly be a much wiser investor going forward.  I am very excited that I made a profit ...
Posted: May 05 2017 @ 1:12 PM
The 2016 SPIVA U.S. Scorecard is out and, as expected Index Funds are the big winners! What is the SPIVA Scorecard?  SPIVA stands for S&P Indices Versus Active and they produce the go-to scorecard for active fund managers worldwide.  The SPIVA Scorecard is a widely-referenced research report conducted and published by S&P Dow Jones Indices, a division of S&P Global.  Historically, the SPIVA report has demonstrated repeatedly that actively managed funds have underperformed ...
Posted: May 01 2017 @ 5:21 PM
It takes a lot of hard work to reach financial independence (“FI”).  Whether you have reached FI or are still striving toward the goal, it’s a good idea to make sure your assets are protected against an unforeseen lawsuit. None of us like to face the possibility of being sued.  And I certainly don’t want to be a pessimist.  However, as a bankruptcy attorney I have witnessed first-hand the many ways people get sued unexpectedly.  Here are a few examples to ...
Posted: Apr 25 2017 @ 9:08 PM


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