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Jeff Martin

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Finance Freaks
General Finance
Debt, Early Retirement
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Blogger Bio

Net worth:
Highland, Utah, United States
Life stage:
SIK (Single Income, Kids)
IT / Software
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Latest Blog Posts

During the month of October, our net worth increased by $21,091.16 to a new net worth of $379,457.  About $4k of that was from an increase in the value of our investments.  Our investments just hit the $100,000 mark!  That is a big day for us, considering our investments were half that value a year ago.  This means that we need to finally start paying some real attention to where ...
Posted: Nov 04 2017 @ 9:06 AM
Debt Ratio = Liabilities / Assets I had never included this calculation as part of my net worth updates in the past.  The reason I find it intriguing, is because it really represents “How much of your lifestyle is financed by debt”?  As Warren Buffet nicely put it: Only when the tide goes out do you discover who’s been swimming naked. Those who are “swimming naked” have a high debt ratio.  Obviously if ...
Posted: Oct 15 2017 @ 6:06 PM
Baby Step Four We are just now starting baby step four of Dave Ramsey’s Baby Steps.  In this step, you start saving 15% of your income towards retirement.  This highlights one of the things I really like about Dave Ramsey’s plan.  His plan is focused on long-term financial success.  And saving for something that is still 30 years away (for some) definitely requires some patience and planning.  It reminds me of a ...
Posted: Feb 23 2017 @ 8:37 AM
Back in September, I blogged about how to calculate how much you need for your emergency fund.  Back then, we had about $3,000 in our emergency fund and determined that for a fully funded emergency fund we needed a total of $19,362.  Well I am very pleased to say that today we now have a fully funded emergency fund of $20,000! I can see now why Dave refers to his program as “Financial Peace”.  ...
Posted: Feb 20 2017 @ 10:03 AM
Back in September, I blogged about how to calculate how much you need for your emergency fund.  Back then, we had about $3,000 in our emergency fund and determined that for a fully funded emergency fund we needed a total of $19,362.  Well I am very pleased to say that today we now have a fully funded … Continue reading "Baby Step Three Complete! Fully funded emergency fund" ...
Posted: Feb 20 2017 @ 9:20 AM
The other day, my kids and I went to the public library to pick out some books to read over the Christmas break.  Not having gone to the library to look for books for myself in some 20 odd years, I decided to search for a financial book.  I ended up getting EntreLeadership by Dave … Continue reading "Having a Dream for the Future" ...
Posted: Jan 02 2017 @ 6:16 PM
Christmastime can be the most stressful time of the year for many families, both financially and otherwise.  I feel like this year, was one of the first years that my wife and I successfully navigated the Christmas season without going over budget, and still having a wonderful Christmas morning, and Christmas break.  This post is … Continue reading "Managing Money During the Holidays" ...
Posted: Dec 31 2016 @ 9:40 AM
The phrase, “you can’t have your cake and eat it too” goes back to the 1500’s.  All it really means is that there are certain decisions in life in which you cannot realistically have the best of both worlds. I was having a phone conversation with my sister about finances earlier tonight.  While we were … Continue reading "You can have your cake and eat it too" ...
Posted: Oct 21 2016 @ 1:35 AM
We did it!  We are finally millionaires! … or not.  We are a quarter of the way there though.  This month when we were doing our net worth update, we were a little surprised to discover that our net worth had exceeded $250k ($250,585). Okay, I know that this is not very impressive for a … Continue reading "The Quarter Million Mark" ...
Posted: Oct 06 2016 @ 10:15 AM
Baby Step Three Currently we are in step three of Dave Ramsey’s Baby Steps.  In step three you build up your emergency fund from $1,000 into a full “3 to 6 months of expenses in savings”.  This blog post goes into detail on how we chose to build our emergency fund. 1 month of Expenses … Continue reading "Baby Step Three: How much should I put in my emergency fund?" ...
Posted: Sep 17 2016 @ 3:52 PM


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