discipline

You all know I was $28,000 in student loan debt when I graduated. I consolidated my loans with Sallie Mae so I could pay them back over the next twenty years. My monthly minimum obligation was $200. After about three payments, I got sick of making them. I was annoyed by the fact that I [...]

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Why?

by Ninja on April 23, 2012 · 23 comments

If you’re like me you have a goal to accumulate some pretty substantial wealth. I had a goal to accumulate $6,000,000 over the course of my lifetime. While that goal is lofty, I don’t think it was completely unreasonable. One thing I never did, however, was ask myself why? Why did I need Six Million [...]

Christmas + V-day = Broke as a joke.

by Ninja on March 5, 2012 · 10 comments

**I am pretty sure I’m drunk on DQ Blizzards after an epic buy one get one for $0.99 deal I took advantage of last night. I’m gonna post about this tomorrow (don’t worry it is completely related to PF), but today I got a great guest post for ya today from my girl Jenna at [...]

Your credit score doesn’t make you cool

by Ninja on January 17, 2012 · 42 comments

I want to both cringe and laugh uncontrollably when I hear someone tell me how “high” their credit score is. I put the word high in quotes because it is a completely subjective term. Most people start getting pretty proud around the 700 mark, and once they breach 800 it seems they want to shout [...]

Double Standard

by Ninja on December 11, 2011 · 15 comments

I have two investment vehicles established for retirement, My Roth IRA and my 401K. I don’t play favorites with these two accounts and if it was within my control, I would contribute to them equally (unfortunately the federal government puts a cap on Roth contributions). If you follow my net worth updates at all, you’ll [...]

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