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Dimes & Dollars
General Finance
Financial independence, early retirement, personal finance, earn, save, invest, real estate
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San Diego, California, United States
Life stage:
DIK (Dual Income, Kids)
Contract Specialist
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Latest Blog Posts

Last month, I gave an “Introduction to Index Investing” presentation to the ChooseFI San Diego members. The above chart was one of the slides in my presentation. This chart shows you how much $100 is worth today (a little under ...
Posted: Apr 11 2019 @ 8:06 PM
Risk and return are correlated. Everybody wants high returns without any risk, but that’s like trying to buy a 3 bedroom, 2 bathroom detached house in San Diego for $300,000 (very unlikely to happen). If you want higher returns, you’re ...
Posted: Apr 10 2019 @ 12:15 PM
I used to think that the only way to become a millionaire was by either winning the lottery or starting a successful business. And while I had dreams of becoming one, it felt more like a pipe dream. I’m not ...
Posted: Dec 12 2018 @ 2:45 PM
You know your 401(k)? There’s a reason the government puts a limit on how much you can contribute to it. It’s such a good deal that if there isn’t a limit, the government would lose out on so much money. ...
Posted: Sep 18 2018 @ 3:20 PM
Credit cards are like a double edged sword. Use them incorrectly, and you can drown in debt for decades. Use them right, and they can pay you thousands, not only in reward points and cash back, but as passive income while helping ...
Posted: Aug 15 2018 @ 2:09 PM
I know it has been several months since I last wrote, but I’ve been busy, first, with my mother’s triple bypass surgery in March, which I took 1.5 months off from work for, then we got caught up with buying ...
Posted: Jul 30 2018 @ 7:12 PM
I received a great question over the weekend that I thought would be beneficial to other readers. What’s great about this question is that it actually considers the impact of buying a residential property on retirement strategies. Specifically, the reader, ...
Posted: Mar 26 2018 @ 1:47 PM
Prioritizing your investments and debt is all about trying to maximize the return on your dollar. When I got my first job out of college, I made the mistake of prioritizing the repayment of my student loans, which was approximately ...
Posted: Feb 02 2018 @ 2:59 PM
One of my biggest money mistakes in my younger years was treating money like a disposable (maybe it’s due to the fact that after-tax income is also referred to as “disposable income”). The word “disposable” means that it is intended ...
Posted: Jan 03 2018 @ 12:00 PM
I opened my first Roth IRA on April 6, 2005. At the time, I was still a college student and barely had earned income. I deposited approximately $2,700 into that account and selected stocks based on a careful analysis of ...
Posted: Dec 04 2017 @ 8:55 AM


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