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Trent Hamm

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The Simple Dollar
debt, budgeting, investing
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United States
Life stage:
DIK (Dual Income, Kids)
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Latest Blog Posts

The common rule of thumb for consumers is that you ultimately pay less for goods that you buy in bulk. But does that necessarily make warehouse stores – and their paid memberships – a better deal than discount stores or supermarkets' Walmart shocked dues-paying members of its Sam’s Club stores earlier this year when it announced the closure of 63 locations across the United States. While there are still close ...
Posted: Feb 18 2018 @ 8:00 AM
Recently, in the midst of an exchange with someone who was considering some major life changes, I wrote the following almost-completely-off-the-cuff comment that I wanted to share here: “Feeling “average” comes from using external measures to judge the quality of your life and not internal ones. Guiding my life by internal metrics rather than external ones has literally been the best thing that’s ever happened to me in terms of ...
Posted: Feb 17 2018 @ 10:00 AM
Over the last few weeks, the stock market has jumped up and down like a yo-yo. Many readers have contacted me asking if I think they should make moves in their retirement account. My answer is an almost automatic “no.” Here’s why. Investing for retirement is a long term plan, one that’s based on sound logic and careful consideration. A good retirement investment plan understands and expects short term fluctuations ...
Posted: Feb 16 2018 @ 10:00 AM
When I first left college and entered the professional world, I was very lucky to have a marketable skill set that several employers were interested in. I interviewed for several positions and wound up accepting one that I felt really matched my skills well and provided a lot of room for growth. It was a great experience. However, I felt that, in some ways, my skill set was gradually becoming ...
Posted: Feb 15 2018 @ 10:00 AM
If you’re like most of us, you’ve probably been glued to your television to take in the 2018 Winter Olympics. It can be captivating to watch the best athletes in the world compete at the highest level in a battle for the gold. Yet sometimes, Olympic events may leave you scratching your head about how the scoring works. Because no matter how flawless an athlete (or their fans) believe a ...
Posted: Feb 15 2018 @ 7:00 AM
God grant me the serenity to accept the things I cannot change; courage to change the things I can; and wisdom to know the difference. – Reinhold Neibuhr Serenity is simply the state of being calm, peaceful, and untroubled. I find that I feel something close to what one would call serenity after a good day hiking in a state or national park with friends or family, when I don’t ...
Posted: Feb 14 2018 @ 10:00 AM
A little over a year ago, my husband and I faced a decision: what to do with my old, beat-up minivan. Even though the van had been paid off for a while, it was starting to cost us more than we wanted to pay in terms of updates and repairs. I had spent around $700 on new tires and several hundred more on new brake pads in just the prior ...
Posted: Feb 14 2018 @ 7:00 AM
Recently, I came across an article by Chip and Dan Heath in Fast Company magazine, entitled The 10/10/10 Rule For Tough Decisions. In it, the Heaths discuss a framework for analyzing choices that they originally picked up from Suzy Welch, a framework that they call the 10/10/10 rule. Here’s how it works. Take a decision in your life – any decision. Maybe it’s whether to buy that celebrity gossip magazine ...
Posted: Feb 13 2018 @ 10:00 AM
If you’re an adult with a house, a spouse, kids, or any financial liabilities, and you don’t have a life insurance policy already, getting one should be near the top of your to-do-list. With life insurance in place, you won’t have to lose sleep worrying about the financial burden your loved ones would inherit if you were to die unexpectedly. But, how much life insurance should you buy' And what type ...
Posted: Feb 13 2018 @ 7:00 AM
What’s inside' Here are the questions answered in today’s reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question. 1. Finding a mortgage lender 2. Disaster survival bag 3. Spouse won’t tighten belt 4. Healthy and cheap diet concerns 5. Transforming Debt into Wealth' 6. L.L. Bean options 7. How much to retire' 8. Talk me out of ...
Posted: Feb 12 2018 @ 10:00 AM


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