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Live Free MD

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Live Free MD
Early Retirement
Money, Debt, Early Retirement, Health, Exercise, Nutrition, Freedom, Happiness
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Alaska, United States
Life stage:
DINK (Dual Income, No Kids)
Physician (Doctor)
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Latest Blog Posts

If you’re doing investing right, you’re saving a large percentage of your income every month (like 25-50%) and stuffing it into stocks, bonds, and real estate investments. At first, even with a high savings rate, your net worth will be low and the money made by your investments will also be low, like maybe a few hundred […] The post The Land of Critical Mass appeared first on Live Free MD. ...
Posted: Mar 04 2018 @ 4:29 AM
You’ve heard it before.  Investing in stocks is risky.  If it didn’t involve any risk, then you couldn’t expect any significant return. That’s why risk-free investments such as CDs and savings accounts only yield around 1-2%.  Makes sense, right? However, you need to understand HOW risky it is to invest in stocks, so you can decide whether to […] The post How to Emotionally Prepare for a Market Crash appeared first on Live Free ...
Posted: Feb 05 2018 @ 3:13 AM
The other day, I read a proposal about the government (taxpayers) giving newborn babies anywhere from $20,000 to $50,000 to help fund their future.  I am not going to comment on the politics of this proposal, but it did get me thinking about how to set your kids up for financial success. Give Your Kids […] The post How To Help Your Kids Become Financially Successful appeared first on Live Free ...
Posted: Jan 15 2018 @ 3:11 AM
Personal finance isn’t complicated.  In fact, if you do just 6 things right, you will become financially successful.  Let’s keep it simple and get started. 1. Earn a Decent Income If you don’t make any money, you will never get ahead financially.  Forget about winning the lottery, getting an inheritance, or expecting the government to subsidize […] The post If You Do These 6 things, You Will Become Rich appeared first on ...
Posted: Dec 10 2017 @ 4:27 AM
There are many different ideas about what constitutes the American dream.  Some feel that the American dream is home ownership.  Others feel that the American dream is being able to achieve success through hard work.  While those are certainly important, in my opinion FREEDOM is the most salient element of the American dream, and the best […] The post Entrepreneurship is the American Dream appeared first on Live Free MD. ...
Posted: Dec 04 2017 @ 1:17 AM
A few posts back, we learned how lifestyle inflation can be toxic.  In case you’re wondering, there IS a time and place to inflate your lifestyle.  However, you can’t just do it whenever you want.  You have to EARN it.  Here’s how it works. The Basics If your goal is financial independence, I recommend that you live […] The post Have You Earned The Right To Inflate Your Lifestyle? appeared first on Live ...
Posted: Nov 26 2017 @ 2:05 AM
This time of year, we are bombarded by “Black Friday” sales and “massive markdowns.”  Everybody loves a good deal, right? Well, that depends.  If you are able to get 50% off an item that you truly need and were already going to buy, then that is a good deal.  If you purchase an item for […] The post The Goal is to Buy Nothing appeared first on Live Free MD. ...
Posted: Nov 19 2017 @ 6:47 PM
At the most basic level, your investment portfolio consists of stocks and bonds.  Yes, you can have real estate properties and alternative investments to help diversify you portfolio.  You also need a storage of cash as an emergency fund.  However, a traditional investment portfolio consists primarily of stocks and bonds. Understanding Risk vs. Return The percentage of […] The post What Percentage of Stocks Should You Have In Your Portfolio? appeared first on ...
Posted: Nov 13 2017 @ 12:06 AM
At some point in our lives, most of us have learned to live on very little.  For example, if you’ve ever been a college student, you’ve mastered the art of living in the same house with a dozen other people, finding free meals, and using public transportation. Back in the early 2000’s, when I was […] The post Beware The Toxic Effects of Lifestyle Inflation appeared first on Live Free MD. ...
Posted: Nov 05 2017 @ 7:14 PM
Depending upon your world view, getting into “The 1%” is either shameful or commendable.  Regardless of your perspective here, let’s look at what it takes to actually be in the top 1%. Measuring Wealth There are two main ways to measure wealth: income and net worth. It turns out that there is little correlation between income and […] The post What Does It Take To Get Into the Top 1%? appeared first on ...
Posted: Oct 29 2017 @ 12:05 AM


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