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Derek Sall

Blog Info

Life And My Finances
General Finance
Debt, Real Estate
Start Year:

Blogger Bio

Grand Rapids, Michigan, United States
Life stage:
SIK (Single Income, Kids)
Financial Analyst
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Latest Blog Posts

You’re smart. You’ve been putting money away into your 401k for years and it’s actually starting to turn into quite the pot of gold! But…then life happened and you could really use some money…and fast. You don’t have much in your savings, and you probably don’t have enough time to earn the money….so it’s leaving your wondering, “When can you withdraw from your 401k'…and should you''” When Can You Withdraw ...
Posted: Mar 19 2018 @ 3:30 AM
Hi LifeAndMyFinances readers!This blog often helps you by: simplifying complex personal finance situations offering free tools to get you out of debt and win with your finances providing free help for those of you that reach out to me by emailAll that stuff is great…but you know what else is helpful''Money!!Hahaha. As a way of saying thanks to all you readers, I figured it’d be nice to give away a ...
Posted: Mar 16 2018 @ 3:30 AM
When you think about retirement, you may think of living it up on a nice beach, volunteering when you want to, sleeping in, and just relaxing. However, would you believe that 45% of Americans, and 40% of baby boomers have $0 saved for retirement' If you are investing after 50, it may seem hopeless to retire well, but all is not lost. Let’s learn how you can still prepare for ...
Posted: Mar 14 2018 @ 3:30 AM
Here’s what I see new bloggers do all the time: They buy a domain name, spend a month setting it up so it looks just right, then spend another month or two adding content, and then they figure it’s time to start earning money, so they put up Google Ads and earn $0.05 that month.…not very exciting…And quite honestly, it really kills people’s motivation that want to make it big ...
Posted: Mar 12 2018 @ 3:30 AM
Whether you’ve got a bad case of cabin fever or are in the mood for spring cleaning, getting out into the garage can be a bright spot in your day. Whether you use this man cave to build things, tune up the car, get some exercise, or just get away from it all, you can make your garage a great place to hang without spending a fortune. (And, you can ...
Posted: Mar 09 2018 @ 4:30 AM
Starting an ecommerce store is no easy feat, and it certainly takes dedication and thorough preparation. But that doesn’t mean it can’t be done efficiently. 5 Cost-Effective Tips For Starting an Ecommerce StoreWith the right tools and tips, you can set up your ecommerce store in less than hour. And unlike businesses with brick and mortar locations, you don’t have to spend an arm and a leg to do it. ...
Posted: Mar 09 2018 @ 4:00 AM
The percentage of freelancers and entrepreneurs in the workforce in 2016 was 34%. That number is expected to increase to at least half the workforce in a decade with 50% of millennials already active in the “gig economy”. But that begs a question of “Is it better to be an employee or entrepreneur'”. Is It Better to Be an Employee or Entrepreneur'This post has been written by our talented staff ...
Posted: Mar 07 2018 @ 4:30 AM
We’re in the thick of tax season, and if you’re currently in debt with the IRS, or if you know that you won’t be able to pay what you owe this April, it’s time to consider your settlement options. There are multiple strategies to settle tax debt, but not all of these strategies are created equal—and not all will suit your needs. Learn which route might be the best-suited to ...
Posted: Mar 05 2018 @ 4:30 AM
Did you know that when you run a search like, “the best credit cards for excellent credit”, what you’re actually getting is a site’s list of all the cards that bribed their way into the running' In other words, out of a list of 10, there are typically 4 or 5 that shouldn’t be on there at all – their fees are high, the interest rate is terrible, and there’s ...
Posted: Mar 05 2018 @ 4:30 AM
This report is for all the dreamers out there – all the people that have thought about starting a blog of their own to either: make a side income, impact the lives of thousands, or to just keep yourself on track with a few readers checking in on you once in a while.Let me tell you, all these things are possible, and then some…I started this blog 7 years ago ...
Posted: Mar 03 2018 @ 9:30 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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