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JP Livingston

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The Money Habit
Early Retirement
Early Retirement, Investing
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New York, New York, United States
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Latest Blog Posts

  Reading Time: 2 Min   We cover a tool I use to passively earn 2-5% back on all my online purchases. It’s a nice start to the holiday shopping season and should passively generate a few hundred dollars a year.   Back in May, I wrote about a tool I had discovered called Ebates. The post Ebates: Have Some Free Money For The Holidays appeared first on The Money Habit. ...
Posted: Nov 20 2017 @ 10:25 AM
Reading Time: 8 Min   A tested, fully legitimate strategy for those who don’t usually qualify for a Roth IRA to enjoy its benefits. As much as $150k of value for employing one tax optimization strategy early in your career.   After this Tuesday’s post, Four One Percenter Couples Share How They Do Money, I The post The Backdoor Roth IRA appeared first on The Money Habit. ...
Posted: Nov 16 2017 @ 3:27 PM
Reading Time: 11 Min   Four married couples in the one percent answer questions about how they manage their money. From investment allocations, to credit cards, to what’s currently in their pockets … here’s a look into their money lives.   I always find it interesting to peek into how others manage their money. So The post Four One Percenter Couples Share How They Manage Their Money appeared first on The ...
Posted: Nov 14 2017 @ 1:49 PM
Reading Time: 7 Min   A former insurance agent shares his run-down on which insurance products to buy, consider, and skip, and most importantly why. Cheat sheet on different products, with my own comments added.   I always like hearing from specialists in an industry. They have the scoop on what gets approved and what The post Former Insurance Salesman Explains What Insurance You Should Buy, Consider, and Avoid appeared first ...
Posted: Nov 09 2017 @ 3:54 PM
Reading Time: 8 Min   If you're trying to figure out whether you will benefit or lose under the new tax bill, check out the summary below.   We've all heard plenty about the tax changes coming our way under the new administration. They are contemplating some of the largest changes to the tax code The post Find Out Whether You Win or Lose Under The Proposed Tax Bill appeared first ...
Posted: Nov 07 2017 @ 1:39 PM
Reading Time: 10 Min   Folks weigh in on some of the most inexpensive hacks they use to feel like they’re living a life of luxury. Spend your next $20 in the right place to maximize the cushiness of your lifestyle.   As I've gotten older, I've come to realize that $20 or $50 spent The post 9 Lifestyle Hacks to Feel Like You're Living In Luxury appeared first on The ...
Posted: Nov 02 2017 @ 10:54 AM
Reading Time: 4 Min   I talk about one of my favorite free tools to optimize the holiday and big ticket shopping experience. How to find price history for an item to determine whether you’re actually getting a good deal. Data that will help you determine when the best time to buy is, plus price The post Secret Price History Data: A Tool For Making Holiday and Big Ticket Purchases appeared ...
Posted: Oct 30 2017 @ 4:02 PM
Reading Time: 3 Min   This one chart illustrates how the 1% actually earn their money, and what you should employ to do the same.   The nonpartisan Urban-Brookings Tax Policy Center did some research on where income comes from for the 1% vs the entire population. Their definition of 'expanded cash income' included things The post One Chart: How the 1% Actually Earn Their Money appeared first on The Money ...
Posted: Oct 26 2017 @ 3:30 PM
Reading Time: 7 Min   Some thoughts on where to put your money in today's environment. Focused on traditional investments (alternative investments featured in weeks to come).   I received an interesting question from a reader this week, one which I think is on many minds. Here it is, abbreviated for clarity:   Hi JP, The post Where To Put Your Next $100K: Investing In Today’s Environment appeared first on The ...
Posted: Oct 24 2017 @ 1:23 PM
Reading Time: 7 Min   A quick way to estimate how long it will take to double your money. Use this to determine what target return you need to achieve to meet your timeline. Plus, options for finding higher returns.   One of the biggest factors in determining when you achieve financial independence is the The post The Rule of 72: Doubling Your Money, And Investments To Accelerate Your Timeline appeared ...
Posted: Oct 17 2017 @ 12:37 PM


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