Eleven Years Ago Today…

We mark anniversaries for different reasons: birthdays, holidays, weddings. Days when important and significant things happen. On this day eleven years ago, September 27, 2007, Christie and I attended a personal financial seminar given by Dave Ramsey in Houston, TX as...

Four Steps To Getting Out Of Debt

This blog has talked a lot about different personal finance topics ranging from budgeting, saving for retirement, and paying off debt….except that up til now I haven’t described exactly how to pay off debt. How hard can it be? You just start paying extra on all your...
No, The Sky Is Not Falling

No, The Sky Is Not Falling

Today, the stock market is in a free-fall. It’s likely a reaction to President Trump threatening new tariffs on Chinese goods yesterday. Certain individual stocks, and stocks in the specific industrial and materials sectors are poised to take the biggest hit. What...
I Want To Invest In Bitcoin

I Want To Invest In Bitcoin

I’ve been meaning to write about this for a while, when the Bitcoin rage was surging. Then I forgot about it, things cooled off, but now virtual currencies are back in the news again so I thought I would put these thought on paper….well, virtual paper, anyway. If you...

Opportunity Cost and New Car Myths

We are casually shopping for new-to-us cars, about 2-3 years old. We are not at all in the market for new cars. Why, you might ask? Because on average a new car loses 42% of its value in the first three years.1 That’s literally turning $30,000 into $17,000 in three...
Results Not Typical…?

Results Not Typical…?

We recently wrapped up our 10th session of Financial Peace University. We have offered it 2-3 times a year for the last several years at our local church in Galveston County. I wanted to take a moment and share the results that we turned in to Ramsey Solutions of how...