Your 30s can be one of your best decades ever for building wealth. You may finally have a job that you want to base your career around and you may have started to build some wealth. But your 30s can also be very difficult financially, as you may be starting a family, preparing for your kids to go to college, thinking about saving for retirement, and even trying to keep up with the Joneses. Fortunately, there are some great moves that you can make with money in your 30s to put you on the right path financially. Here are 30 things that you can do to build wealth in your…
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Setting Up a Travel Credit Card Rewards Meeting With an Expert (Me)
Credit card rewards can be used to get free travel, but most people just don´t know where to start. I have written about each of these questions extensively, but sometimes it helps to do more than just read about these topics. Sometimes it helps to sit down and actually talk to someone who has used credit card rewards before. As someone who has saved over $30,000 in travel myself and who has advised many others, I have decided to be that guy for you.
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The Worst Financial Advice Ever
Most of the time, the financial advice that I hear is pretty good. Things like buy used cars, invest for retirement, and pay down debt are all solid pieces of advice that will help us to become more financially secure. However, I have also heard some pretty bad financial advice. I asked some of my friends online about the worst financial advice they had heard. Just like me, they have heard a lot of bad advice. Here is some of the worst advice that they have heard.
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Best Travel Rewards Credit Cards: How You Can Travel for Free!
I am going to make the (conservative) claim that I can save you $10,000 or more on travel within the next 3 years. And I'm going to be right! Just by following some simple steps from this article, you will save thousands of dollars!
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Will Opening a Travel Credit Card Hurt Your Credit Score?
People are always amazed when they find out how much money my family saves on travel. We flew to Hawaii for $56, traveled to New York City for $22, and saved a ton of money on our trip to Disney World. We even got a free hotel room in Indianapolis when we traveled down there to run the Monumental Marathon last weekend. However, when I tell people that we do this with the help of travel credit cards, they always have the exact same question: Doesn't opening credit cards hurt your credit score? The quick answer to this question is that opening credit cards does NOT hurt your credit score.
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How to Use Balance Transfers to Pay Off Debt
Guess what? If you want to pay off debt, I have a really great guide that will help you. In this guide, it will tell you that getting out of debt involves a ton of hard work. There is no magic pill that will automatically get you out of debt. Balance transfers are NOT a magic pill that will get you out of debt automatically. However ... if you have high interest credit card debt, balance transfers can be a great way to help get out of debt. I've even used them to make sure that I was paying low interest rates as I got rid of over $400,000 in…
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We Saved $7,264 on Our Trip to Hawaii: Here’s How!
Hawaii! For many of us, especially people who live in the United States, going to Hawaii is a once in a lifetime, bucket list type of experience. Many people really want to go to Hawaii for the beautiful beaches, tropical scenery, and amazing diversity of climates. For my family and I, Hawaii was definitely on our bucket list. Not necessarily as a once in a lifetime experience, but as one of the many great vacations that we want to take. However, Hawaii is extremely expensive! For two people like my wife and I who make middle-class, teacher salaries, going to Hawaii can almost be prohibitively expensive. I suppose that we…
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Be Smart Now and Rich Later: How Teens Can Win with Money
As a high school teacher who talks openly about money and investments with my students, I am often asked about money. Even for the student who doesn’t want to pay attention in math class, they often get excited when we start talking about money. However, even though every one of my students wants to have money when they are older, many of them feel that investing takes too long. Many of them want to become rich now … not when they are in their 40s, 50s, or even 60s. And every single one of my students doesn’t want to hear about things that they can do when they turn 30.…
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First Class Travel to NYC for the Cost of a Pizza
Instead of actively trying to save money with every travel decision that we made, we decided to spend a little bit more money and make the trip a first class experience. Now I know that spending excessive money on something does not automatically lead to a better experience. I would even argue that most of the things that make us happy don't cost too much money. But we wanted to splurge a bit on this trip and do something that is completely unique and different for us. Therefore, we did almost everything first class. From a flight in first class to staying in some of the top hotels, we wanted…
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A Simple Way to do Disney World for Less
One of the things that I love the most about travel is that incredible moments can occur. On our trip this past summer to Beaver Island in Lake Michigan, I kayaked to an undiscovered island, walked down a deserted beach with my family, was surprised with a cake for my 40th birthday, and completed a strenuous workout running up and down a long hill. Each of these was a moment that I will remember forever. Another cool thing at Beaver Island was just watching the sun go down! Of course, along with the incredible moments that occur, we are also faced with some lows. On the same trip, we woke…
