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Financial Genome Project
General Finance
Economics, Personal Finance, Technology
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Bossier City, Louisiana, United States
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DIK (Dual Income, Kids)
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Latest Blog Posts

“I figure if I have my health, can pay the rent and I have my friends, I call in ‘content’” ~Lauren Bacall (Actress) In Chapter 8 – Renting, we introduced renting as part of your expenses.  Then in the previous chapter, we explored the rental market even further.  In this chapter, I want to go … Continue reading "Chapter 21 – Renting vs. Buying" The post Chapter 21 – Renting vs. ...
Posted: Oct 31 2018 @ 8:10 PM
“As soon as the land of any country has all become private property, the landlords, like all other men, love to reap where they never sowed, and demand a rent even for its natural produce.” ~Adam Smith, Wealth of Nations In Chapter 8 – Renting, we discussed reasons why renting makes financial sense: it’s for … Continue reading "Chapter 20 – Exploring the Rental Market" The post Chapter 20 – Exploring ...
Posted: Sep 30 2018 @ 7:19 PM
“You had said that you saw no difference between economic and political power, between the power of money and the power of guns…  You are learning the difference now.” ~Galt’s Speech, For the New IntellectualIn my first chapter, I told you that YOU, the individual, are the most important part of the financial genome.  Then … Continue reading "Chapter 19 – Economic Power of an Individual" The post Chapter 19 – ...
Posted: Aug 10 2018 @ 7:14 PM
Financial Genome Project – Variable Expenses “Beware of little expenses. A small leak will sink a great ship.” ~Benjamin Franklin In chapter 15, we discussed the difference between fixed and variable expenses.  We went through fixed expenses such as housing, food, and clothing.  Then we went through the fixed-variable expenses which should be fixed but … Continue reading "Chapter 18 – Variable Expenses" The post Chapter 18 – Variable Expenses appeared ...
Posted: Jul 03 2018 @ 3:05 PM
“Only when borrowers have access to efficient credit networks can they escape from the clutches of loan sharks, and only when savers can deposit their money in reliable banks can it be channeled from the idle rich to the industrious poor.” ~Niall Ferguson, The Ascent of Money In the last several chapters, we discussed housing, … Continue reading "Chapter 17 – Why Debt Is So Bad" The post Chapter 17 – ...
Posted: Jun 03 2018 @ 2:24 PM
“Cars are lousy investments; they never rise in value.” ~Suze Orman In the last chapter, we discussed the difference between fixed and variable costs and how budgets can help you track those. We’ll use the next couple of chapters to discuss various expenses. The first variable expenses you have almost total control over are your … Continue reading "Chapter 16 – Transportation Expenses" The post Chapter 16 – Transportation Expenses appeared ...
Posted: May 02 2018 @ 3:26 PM
“Look everywhere you can to cut a little bit from your expenses. It will all add up to a meaningful sum.” ~Suze Orman To this point, we’ve discussed what I feel are the fixed costs: housing, food, and clothing. In the last chapter, we discussed saving at LEAST 10% of your paycheck. I consider the … Continue reading "Chapter 15 – Do You Need A Budget'" The post Chapter 15 – ...
Posted: Apr 09 2018 @ 11:47 AM
“The illusion of choice and our own feelings of complicity hide the fact that debt is embodied domination, that the purpose of consumer credit is to keep you in debt perpetuity.” ~Brett Williams[1] In the previous chapters, we discussed tracking your expenses and making sure you save at least 10% of your income.  Except for … Continue reading "Chapter 14 – Rewards and Referrals" The post Chapter 14 – Rewards and ...
Posted: Mar 07 2018 @ 10:36 PM
“It’s now how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.”  ~Robert Kiyosaki, author of Rich Dad, Poor Dad In the last chapter, we discussed the best budget tools to help you track your expenses.  If you’ve been using … Continue reading "Chapter 13 – Personal Savings Rate" The post Chapter 13 – Personal Savings ...
Posted: Feb 16 2018 @ 8:54 PM
“A budget is telling your money where to go instead of wondering where it went.”  ~Dave Ramsey[1] Up to this point, we’ve discussed what are arguably the most basic of necessities.  If you’re living within your means, you should be spending 50% or less on basic necessities.  As discussed in previous chapters, you should spend … Continue reading "Chapter 12 – Best Budget Tools to Help Track Expenses" The post Chapter ...
Posted: Jan 14 2018 @ 9:21 PM


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