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Your Purpose In Life

January 27, 2023 by Brett Tams

  Show Summary Welcome back to the show and Merry Christmas!! I’m recording this two-part series that we’re going to share with you over the next two episodes on Christmas Eve! I…

Posted in: Small Business Tagged: All, Applications, ask, before, Benefits, bonuses, build, building, business, Buy, chase, Children, Christmas, clear, closing, coffee, country, couple, Deals, estate, expectations, expense, experience, experts, Financial Freedom, Financial Wize, FinancialWize, free stuff, freedom, get started, Getting Started, Getting Started in Real Estate Investing, gift, gifts, Giving, goal, goals, good, great, Grow, happy holidays, holiday, Holidays, home, house, How To, impact, industry, Interviews, Investing, investors, job, journey, Lead Generation, Learn, lessons, Life, Live, Local, Make, Make Money, making, Making Money, mindset, money, More, needs, new, new year, offer, Operations, opportunity, Other, paint, Planning, portfolio, pressure, products, questions, rate, ready, Real Estate, Real Estate Investing, Real Estate Investing Secrets, real estate investor, Real Estate Investors, right, risk, safety, second, secrets, Sell, sellers, shopping, Social Media, students, the new year, time, tips, transformation, value, Video, will, work, working, wrong, youtube

10 Favorite Feel-Good Movies for Taking a Sick Day

January 27, 2023 by Brett Tams

Taking a sick day is the perfect opportunity to relax and unwind (unless you’re sick). According to Redditors, whether you’re looking for a comedy, a romance, or a heartwarming tale, these movies will leave you feeling happy and uplifted. So grab a blanket, make some chicken soup, and get ready to escape into a world … Read more

Posted in: Saving And Spending Tagged: 2, 2016, 2023, adventure, All, artists, author, Backyard, ben, bond, Budget, business, city, Credit, data, discover, dream, Entertainment, Featured, Finance, Financial Wize, FinancialWize, food, foreign exchange, good, great, gym, home, How To, internet, job, journey, layout, lessons, Life, Live, Local, Make, miller, money, More, movies, new, opportunity, Orchard, Popular, ready, School, secondhand, shares, story, student, time, title, united, will, woman, women, young

Which matters more for building wealth: Your saving rate or your investment returns?

January 27, 2023 by Brett Tams

My name is Zach, and I write at Four Pillar Freedom, where I tend to tackle financial topics through data visualization. While J.D. is on vacation, I offered to explore one of his favorite topics: the effects of saving rate versus investment returns.

Albert Einstein supposedly once said that compound interest is the eighth wonder of the world.But does data actually support this claim?

In this post, I explore the nature of compound interest, how long it takes to become an important factor in wealth accumulation, and whether or not it actually matters much for people who hope to achieve financial independence in a relatively short time.

What matters more: your saving rate or your investment returns?

Accumulating Wealth in the Early Years

Suppose your goal is to achieve a net worth of $1 million. If you invest $10,000 every year and earn a 7% annual return on your investments — which is a reasonable assumption for long-term stock market returns — you’ll accumulate $1 million in about 30.7 years.

The chart below shows exactly how long it would take to reach every $100,000 net worth milestone, using the assumptions of a $10,000 annual investment earning a 7% annual return:

Notice how each $100,000 net worth milestone takes less time to reach than the last. In fact, it’s mind-boggling to see that it will take youlongerto go from $0 to $100,000 than it will to go from $600,000 to $1 million:

The first $100,000 takes the longest to save because you don’t receive much help from investment returns early on. The time it takes you to go from $0 to $100,000 is mostly dependent on the gap between your income and your spending.

Posted in: Building Wealth, Investing, Retirement, Taxes Tagged: 2, All, asset allocation, before, big, buffett, build, building, building wealth, business, calculator, Compound, Compound Interest, compounding, couple, data, Early retirement, earning, environment, expenses, Fees, Financial Goals, financial independence, Financial Wize, FinancialWize, fire, freedom, gap, goal, goals, good, growth, heat, hold, household, Income, interest, Invest, Investing, investment, investment returns, investments, investors, job, jobs, journey, Life, low, LOWER, Main, Make, market, money, More, munger, net worth, News, Other, pinterest, rate, Rates, Real Life, retirees, retirement, returns, rich, right, save, Saving, saving rate, savings, Savings Account, single, Spending, stock, stock market, tax, The Stock Market, time, vacation, versus, warren, wealth, will, young

10 Best Reasons To Start A Blog in 2023– Start Yours Now!

January 27, 2023 by Brett Tams

Are you thinking about starting a blog? If so, this article is full of great reasons to start a blog in 2023! Whenever I talk to people who are interested in blogging, one of the main things that stops them is whether or not it’s a good time to start a blog. My response is […]

The post 10 Best Reasons To Start A Blog in 2023– Start Yours Now! appeared first on Making Sense Of Cents.

Posted in: Extra Income, Money Tips Tagged: 2, 2022, 2023, advice, affordable, All, Auto, Beauty, before, Blog, Blogging, build, business, Career, cents, chance, clear, color, company, couple, crafts, customer service, data, DIY, Earn money, earning, education, Email Marketing, experience, Extra Income, Extra Money, Family, Fashion, Finance, Financial Wize, FinancialWize, fitness, food, funny, games, get started, goals, good, Google, great, Grow, guide, health, home, How To, ideas, Income, Inspiration, internet, job, journey, keywords, layout, Learn, learned, Life, list, Loans, low, Main, Make, Make Money, make money blogging, making, Marketing, money, More, more money, Motivation, MOZ, new, not too late, online business, Other, outdoor, passive, passive income, Personal, personal finance, pins, pinterest, planner, proof, Purchase, Relationships, right, room, running, save, Save Money, self-employed, SEO, Small Business, Social Media, space, Start a Business, story, student, Student Loans, Style, time, tips, title, Travel, trust, updates, value, Video, wants, Ways to make money, will, work, working

Investing Advice We Can Learn from 10 Successful Lady Bosses

January 27, 2023 by Brett Tams

When it comes to money, there’s nothing as empowering as having a good understanding of your finances and achieving financial freedom. However, women can often struggle to feel confident in their ability to invest or simply save altogether. On average, women invest 40 percent less than men and retire with two-thirds of the money —

The post Investing Advice We Can Learn from 10 Successful Lady Bosses appeared first on MintLife Blog.

Posted in: Money Basics Tagged: 2, 2021, advice, All, app, apple, assets, author, balance, Bank, bank of america, basics, Bethenny Frankel, Blog, blue, brokerage, build, business, california, Careers, color, company, Compound, Credit, custom, data, discrimination, Entrepreneurs, entry, Fees, fidelity, finances, Financial Freedom, Financial Wize, FinancialWize, freedom, gap, get started, good, Google, graph, great, How To, index, Invest, Investing, Investing 101, Investing Advice, investment, investments, investors, journey, jump, layout, Learn, legacy, lending, library, Main, Make, markets, merrill, Millionaire, Mint, mint.com, money, money moves, Personal, personal finances, property, Raise, retirement, returns, right, Salary, save, School, SEO, simple, single, sofi, Style, tax, the balance, time, title, trading, Twitter, Video, wall, women, work

Why Your First Offer is Always Your Best Offer

January 27, 2023 by Brett Tams

Real estate agents often suggest that sellers either accept the first offer or at least give it serious consideration.

Posted in: Market News, Roommate Tips Tagged: agent, agents, All, asking price, author, before, Blog, Broker, buyer, buyers, estate, Financial Wize, FinancialWize, good, home, journey, Local, low, LOWER, Make, market, More, Mortgage, Motivation, offer, offers, open houses, Opinion, Other, Own & Rent, pre-approval, present, property, Rates, Real Estate, real estate advice, real estate agent, Real Estate Agents, right, sales, search, second, seller, sellers, Selling Your Home, showings, The Real Deal, time, Tips & Advice, trust, will, work, working, Zillow, Zillow.com

How to make $100k+: Advice from 6 millennials who’ve done it

January 27, 2023 by Brett Tams

What does it take to earn $100,000? These six Millennials have landed six-figure salaries and have some helpful tips to help you do the same.What does it take to earn $100,000? These six Millennials have landed six-figure salaries and have some helpful tips to help you do the same.

The post How to make $100k+: Advice from 6 millennials who’ve done it appeared first on Money Under 30.

Posted in: Personal Finance, Saving And Spending Tagged: 2, 2022, advice, advisor, All, ask, avocado toast, Bank, basic, before, Best Cities, Blog, bonds, brokerage, Budget, build, building, Built, Bureau of Labor Statistics, business, california, Career, Careers, cars, CDs, CEO, charity, Choices, Cities, city, coffee, College, Commercial, company, cost, Cost of Living, country, couple, credits, data, Debt, decades, digital marketing, Early retirement, earning, education, employer, energy, Entrepreneurs, estate, experience, Family, Fashion, Finance, finances, Financial Advisor, financial independence, financial samurai, financial stability, Financial Wize, FinancialWize, fire, food, freedom, freelance, freelancers, fund, Getting Started, goal, Going to College, great, growth, guide, health, healthcare, healthy, helpful, Helpful tips, highest-paying jobs, home, Hospitality, household, household income, How To, how to negotiate, ideas, impact, Income, industry, Instagram, interview, Invest, investment, investment property, IRA, job, jobs, journey, Learn, learned, Life, Lifestyle, Live, Local, LOWER, Make, Make Money, making, Marketing, markets, median household income, millennials, money, More, more money, Move, nebraska, needs, networking, new, new york, nyc, offer, Other, pandemic, parents, passive, passive income, paycheck, Personal, personal finance, photos, plan, Planning, products, property, Purchase, Raise, Real Estate, Rent, rental, rental properties, retirement, Reviews, rich, right, roth, Roth IRA, salaries, Salary, san francisco, save, Saving, savings, School, shares, shopping, shopping budget, Side Hustle, simple, single, Social Media, Software, Spending, stable, statistics, stocks, Strategies, summer, tax, teaching, Technology, time, tips, title, Travel, under, value, wages, washington, Washington DC, wealth, will, work, work out, working, young

Do You Ever Think About Quitting Your Blog? (podcast interview)

January 27, 2023 by Brett Tams

I was honored to have the opportunity to record a very authentic and vulnerable podcast on What To Do When You Feel Like Quitting Your Blog. If you’ve ever felt like quitting your blog or something else you’ve poured a lot of effort into, I think this will encourage you. In this podcast, I share:Read More

Posted in: Real Estate News Tagged: 2, ask, balance, Blog, Blogging, Chime, Crystal Paine, data, disclosure, earning, entry, Financial Wize, FinancialWize, freedom, healthy, ideas, Income, Income-Earning Ideas, interview, journey, LITE Feed (non-deal) Posts, money, More, opportunity, podcast, Podcast Interview, questions, Saving, Social Media, time, title, unique, will, working

Interior Designs Trends 2023 — What’s In and Out for Home Decor – Cosmopolitan

January 27, 2023 by Brett Tams

Interior Designs Trends 2023 — What’s In and Out for Home Decor  Cosmopolitan

Posted in: Bank Accounts Tagged: 2, 2022, 2023, 429, accent, ad, All, Amazon, Angi, apartment, Architecture, art, at home, Auto, balance, bar, basic, bathroom, bedroom, big, black, Blog, blue, Brentwood, burnout, carbon footprint, CEO, Collections, color, consignment, cooking, couple, Cove, creativity, Credit, data, Decor, decorate, decorating, design, Design and Decor, DIY, eco, Entertainment, experts, Fall, Family, farmhouse, Fashion, Financial Wize, FinancialWize, fireplace, fitness, floor, floor plans, flowers, freelance, fun, funds, furniture, games, good, Google, Graphic, great, green, health, home, Home Decor, home design, Home Improvement, home offices, Homeowner, homes, How To, improvement, industry, Inspiration, Instagram, interest, interior design, investment, items, journey, kitchen, kitchens, LA, lgbtq, Lifestyle, lighting, living room, Local, Luxury, Main, Make, makeover, making, market, mental health, modern, modern farmhouse, modern homes, money, More, natural, new, new year, News, Oasis, Offices, Opinion, Original, Other, paint, painting, pandemic, patterns, Personal, pillow, pillows, pinterest, plants, plumbing, Popular, porch, premium, principal, project, rich, right, rugs, save, Save Money, School, simple, Social Media, sofa, space, Spending, Spring, story, studying, Style, sustainability, target, the new year, thrift, time, title, trading, traditional, trend, trends, unique, Video, virtual, wall, wallpaper, walmart, waves, Ways to Save, wfh, white, will, wood, work, working

Fifth Third Mortgage Review

January 27, 2023 by Brett Tams

Fifth Third Bank (5/3 Bank) formed as a result of the merging of two banks, Third National Bank and Fifth National Bank. Originally founded in 1858, this Cincinnati-based bank has 1,154 branches and 2,469 in the U.S. Fifth Third offers a variety of home mortgage options in 10 states and is ranked 389th on the Fortune 500. […]

The post Fifth Third Mortgage Review appeared first on Good Financial Cents®.

Posted in: Home, Loans Tagged: 2, 2021, 429, AAMS, Accredited Asset Management Specialist, active, ad, advice, advisor, Alabama, All, apr, Arizona, Arkansas, ARMs, assets, author, bad credit, Bank, Banking, banks, before, Benefits, Blog, blue, budgets, build, business, buyers, Buying, Calculators, california, cents, clear, color, Colorado, commission, company, Connecticut, construction, cost, Credit, credit card, credit history, credit score, credit scores, custom, customer service, data, data breach, decision, Disability, disclosure, discrimination, down payment, Down payments, earnings, entry, existing, experience, experts, Fall, Fannie Mae, Fannie Mae and Freddie Mac, faq, Featured, FHA, Finance, finances, Financial Advisor, Financial Freedom, Financial Wize, FinancialWize, financing, Florida, Freddie Mac, freedom, Georgia, good, Google, government, green, guide, hawaii, history, home, home buying, home loan, home loans, Homebuyers, homeowners, homeowners insurance, homes, household, household income, Housing, idaho, Illinois, Income, indiana, Insurance, insurance premiums, interest, interest rate, interest rates, investment, journey, Jumbo loans, Learn, lenders, list, loan, Loans, louisiana, low, Main, maine, Make, market, Market Trends, Maryland, Massachusetts, median household income, Michigan, military, mississippi, missouri, money, montana, More, Mortgage, mortgage calculators, mortgage lenders, mortgage loan, Mortgage Rates, Mortgages, nebraska, neighborhoods, Nevada, new, new construction, new home, New Jersey, new york, NMLS, north carolina, offer, offers, opportunity, Oregon, organization, Other, payments, Personal, personal finance, plan, planner, Planning, podcast, principal, private mortgage insurance, proactive, proof, property, Purchase, quality, questions, rate, Rates, Refinance, refinancing, Research, retirement, Retirement Planning, Review, Reviews, science, SEC, security, selling, simple, social security, social security disability, South Carolina, south dakota, spouse, states, Style, tax, Tennessee, texas, time, traditional, trends, united, Utah, VA, va mortgage, va mortgages, veterans, virginia, W-2, washington, Washington DC, wealth, wealth management, will, Wisconsin, work, working, youtube
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