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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

“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
Chapter 11 – Clothing Expenses “The Master said, ‘A true gentleman is one who has set his heart upon the Way.  A fellow who is ashamed merely of shabby clothing or modest meals is not even worth conversing with.”  ~Confucius [Analects 4.9][1] Just like the previous chapter, please make sure you’re well aware of how … Continue reading "Chapter 11 – Clothing Expenses" The post Chapter 11 – Clothing Expenses appeared ...
Posted: Dec 30 2017 @ 1:35 PM
“The latte factor is the unconscious spending on the little everyday things that do not add any value to our lives.” ~David Bach * Personal Finance Tip: Reducing the amount we spend on snacks and dining out are usually the first places Certified Financial Planners will help you cut food expenses to save more money. … Continue reading "Chapter 10 – Food Expenses" The post Chapter 10 – Food Expenses appeared ...
Posted: Nov 15 2017 @ 9:20 PM
Chapter 9 – Home Ownership “Real estate cannot be lost or stolen, nor can it be carried away. Purchased with common sense, paid for in full, and managed with reasonable care, it is about the safest investment in the world.” ~Franklin D. Roosevelt, U.S. president * Personal Finance Tip:  When buying a house, make sure … Continue reading "Chapter 9 – Home Ownership" The post Chapter 9 – Home Ownership appeared ...
Posted: Oct 21 2017 @ 11:31 AM
Chapter 8 – Renting “I’m a big believer in home ownership, but only if it makes financial sense.” ~Suze Orman[1] *Personal Finance Tip: Renting is a great option if it’s short term, you don’t have money for a down payment, or the cost of renting is cheaper than the cost of a mortgage. Renting is … Continue reading "Chapter 8 – Renting" The post Chapter 8 – Renting appeared first on ...
Posted: Sep 24 2017 @ 5:14 PM
Chapter 7 – Housing “Everyone has a fundamental human right to housing, which ensures access to a safe, secure, habitable, and affordable home with freedom from forced eviction.” ~National Economic & Social Rights Initiative[1] “All of these government factors contributed to creating a situation in which millions of people were buying homes they couldn’t afford, … Continue reading "Chapter 7 – Housing" The post Chapter 7 – Housing appeared first on ...
Posted: Aug 22 2017 @ 8:47 PM
Chapter 6 – Assets and Liabilities “I can’t lie, I’m guilty of splurging too man ‘Till I learned the difference between assets and liabilities Really important man, I swear.” ~Ludacris (American rapper) As I mentioned in Chapter 5, The Payment System, I placed the payment system outside the genome because we’ll trace out each expense. … Continue reading "Financial Genome Project – Chapter 6" The post Financial Genome Project – Chapter ...
Posted: Jun 12 2017 @ 9:56 AM
Chapter 5 – The Payment System “When the scheme faltered [John] Law resorted to a number of rescue packages, many of which have their echoes 300 years later. One was for the bank to guarantee to buy shares in the Mississippi company at a set price (think of the various government asset-purchase schemes today). Then … Continue reading "Financial Genome Project – Chapter 5" The post Financial Genome Project – Chapter ...
Posted: May 16 2017 @ 11:08 AM


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