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CJ the Money Guru
General Finance
money, saving, investing, real estate, credit, lifestyle, interviews
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New York, New York, United States
Pacific Islander
Life stage:
SINK (Single Income, No Kids)
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Latest Blog Posts

As I get older, I get many questions if they are on the right track to retiring.  Retirement does not always mean being an old fart and waiting to die.  It can also mean having the freedom to do what you really love to do without worrying about money.  Most of us go to a […] The post 8 Ways to Ensure A Comfortable Retirement appeared first on CJ the Money ...
Posted: Sep 08 2019 @ 7:55 PM
Today I am answering more of your questions. Please keep them coming.  I consider myself a financial coach.  I want everyone to do the best they can with their finances. If we all know better, we can all do better with our money.      Anonymous: While saving and hustling in NYC, how would you […] The post Should I be saving for retirement if I have credit card debt? appeared ...
Posted: Sep 02 2019 @ 6:23 PM
I’ve been blogging on this site for over two years now. And in that time, I have received many questions relating to personal finance.  So I am going to address some of them in this post. I like answering questions relating to money, so I will publish as many of these types of Q&A sessions […] The post Where Can My 16 Year Old Start Investing His Money? appeared first on ...
Posted: Aug 25 2019 @ 6:37 PM
  Burnout is now an officially classified medical condition by the International Classification of Diseases. While this classification is specifically geared towards occupational issues, it can be applied to other aspects of life: especially when it comes to personal finances. If you’ve been budgeting for what seems like forever and are exhausted by it, here […] The post How To Avoid Frugal Burnout appeared first on CJ the Money Guru. ...
Posted: Jun 22 2019 @ 7:07 PM
  There’s a new online savings account that pays the highest interest rate (as of this writing). Wealthfront has announced that its cash account will now pay 2.51% APY! As soon as I heard this, I went right to their website to investigate further. For those of you who do not know, Wealthfront is a […] The post The Best New Place to Stash Your Emergency Fund appeared first on CJ ...
Posted: Jun 09 2019 @ 4:46 PM
  They say the best way to ensure retiring rich is to fully fund your 401K retirement plan while you are in your working years. But what they don’t tell you is all the taxes you will have to pay once you are ready to take contributions from it. For nearly 20 years I have […] The post I’ve Decided to Max Out My ROTH 401K Plan This Year appeared first ...
Posted: May 05 2019 @ 4:24 PM
Last week I read The 12% Solution by David Alan Carter. As some of you may know, I am always looking for new investment strategies to implement into my own portfolio. The 12% Solution had mostly good reviews on Amazon and it sounded simple and doable for me since I am pretty lazy. One of […] The post How To Beat The Stock Market By 12% And More appeared first on ...
Posted: Mar 25 2019 @ 10:00 AM
  This past week has been eventful when it came to my personal finances. My investment in Realty Shares has come to an end. The borrower paid me back the original amount I invested. And I can no longer invest in RS because they closed their platform. 🙁 So I am going to take that […] The post My RS Crowdfunding Exit, Income Tax Return & Work Optional Retire Early appeared ...
Posted: Mar 11 2019 @ 10:00 AM
  Over the last month, I have been reading books on personal finance on my dreary commute to and from work. Reading makes my commute go by so much faster. And I feel more productive rather than playing Candy Crush on my phone as everyone else does on the often smelly, crowded subways.   I […] The post 5 Sure Fire Ways To Reach Financial Independence appeared first on CJ the ...
Posted: Mar 04 2019 @ 11:00 AM
I am always looking for ways to make more money. And lately, I have been obsessing over the stock market. I don’t think I am cut out for real estate investing as I hate dealing with deadbeat tenants. And I am not a handy person, so if something breaks, I do not want to go […] The post The Latest ETFs I’m Sweating This Month appeared first on CJ the Money ...
Posted: Feb 25 2019 @ 11:00 AM


"This is one of the best, most informative personal finance web sites I've ever seen"

-- Daffy Duck, DaffyIsSoTaffy.com

"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

-- Scuba Steve, MyScubaGearIsSoWet.com

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