Learning to Be Good Enough

Learning to Be Good Enough

This is an updated post from over a year ago, but it seems appropriate considering where my head is at the moment. Please comment below. It is amazing how small conversations have an impact on you. Maybe they impact me more than others, but there are small but innocuous conversations that occur that can change the course of my life; a conversation I had in 1999 with my mentor was one such example. He asked me why I wasn’t going…

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Public Service Loan Forgiveness Blues and Student Loan Face Punches

Public Service Loan Forgiveness Blues and Student Loan Face Punches

I have chronicled my student loan journey on this blog for the past couple of years. At first, I wasn’t in favor of doing Public Service Loan Forgiveness (see here, here). Then I finally saw the light and I enrolled. I even created a presentation about it for other folks that needed help (in other words I did a total 180). Mrs. ROB is also enrolled in PSLF even though she teaches part-time at multiple institutions. So our current problem…

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Paying Some Stupid Tax

Paying Some Stupid Tax

One of the phrases that Dave Ramsey has become popular for is when someone has to pay “stupid tax.” And it probably isn’t his, but I have heard it most when listening to his show. Today, I was driving to work and I was listening to some old segments of people paying some stupid tax. In essence, stupid tax is where you buy something or do something that actually costs you more money than what it was worth. It could…

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If You Can Afford a Vacation You Can Afford to Invest

If You Can Afford a Vacation You Can Afford to Invest

This post today is a response to a few comments I saw on different Facebook feeds and other blog posts regarding planning for retirement. The basic conclusion I received from these comments are two-fold: 1) they could not afford to put any money away for retirement; 2) they didn’t have the time right now to deal with the situation. And in that same vein, similar people were responding to different posts and articles about vacations and the like (e.g. where…

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Teachers Unite: One Leg to Stand On

Teachers Unite: One Leg to Stand On

34 months ago I started this blog to tell the world about my personal finance journey. I hoped that my story of monetary stupidity would help others not make the same mistakes I had made. This blog also became a way of keeping myself accountable with specific goals and the like. But a third reason, which I haven’t talked about a lot, that I decided to start this blog is that I didn’t see a lot personal finance blogs that…

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2nd Quarter 2017 Debt Repayment Update

2nd Quarter 2017 Debt Repayment Update

¬†Hey everyone! My apologies for being MIA for the past week or so, but I was presenting some research in the United Kingdom and just didn’t have time to post. However, my summer can start to get back to normal sort of. I have a lot of updates that I need to do on a variety of subjects, which I hope to do in the next couple of weeks, but one of those updates is how my debt payoffs are…

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Good News and Bad News

Good News and Bad News

This is going to be a fairly short post, partly because my writing this week has focused on my research so I am a bit pooped. Also, Mrs. ROB and I are heading to Great Britain where I am going to be presenting this research I am working on. I wish I could call it a pleasure cruise or that we can extend it to a vacation, but it is going to be a quick trip because we both have…

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Let’s Talk About Target Date Mutual Funds

Let’s Talk About Target Date Mutual Funds

The wonderful bloggers over at Millennial Revolution had an excellent post last week they entitled “Is Too Much Freedom Bad For You?” Personally, I think the answer to that question depends on the person. Politicians constantly promote the idea of freedom. More choices will drive down the market. The amount of choices we have on the internet is fantastic. The amount of television shows makes this a great time to be a fan of TV. That maybe true in the…

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Would You Live/Retire Abroad?

Would You Live/Retire Abroad?

I fully admit that I do a lot of daydreaming and fantasizing about the future. Probably too much. I mean one of my biggest issues is being more present instead of thinking and primarily worrying about the future. However, I really do like thinking about my potential financial dreams. This is also the time of year, summer, when things slow down for me. While I am still working, my schedule is a lot less structured. I am teaching, doing research,…

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Should I Invest in Real Estate?

Should I Invest in Real Estate?

*This post is updated from its original posting about six months ago. I have been thinking about buying real estate to add to my portfolio. I thought a multi-family home next door to us would come on the market as a foreclosure, but that isn’t going to happen. So I have been thinking about how else, if at all, do I get into real estate. So while this was a thought experiment 3 years ago I still think about it…

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