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I continue to come across a surprisingly common misconception when I'm talking to people about finances and/or teaching my class. The misconception arises in the context of paying down debt and where folks should put any "extra" funds they may have available. I'm going to use the following theoretical example of someone who currently has … Continue reading Interest Rate Matters
Our 2023 property taxes on our house were due in April. As I've written about previously, property taxes in Colorado are actually very low when compared to other states, but that doesn't mean they aren't a significant expense (ours were $5571 for 2023). I always used to pay these by electronically paying from my bank … Continue reading Paying Your Property Taxes with a Credit Card
My previous posts about credit card rewards (here and here) have focused on cash back rewards, as those are the simplest to get and use for most folks. But for folks who like to travel, your rewards points can sometimes be worth more if you used for travel. Here are some free resources where you … Continue reading Chase Sapphire Preferred Increases Their Bonus
This is going to be very long (first rationale, then step-by-step instructions). I think it's going to be worth it, but we'll see. Ask just about any math teacher and they'll tell you that humans don't have a very good intuitive sense of exponential growth (e.g., see the response to the pandemic). Humans are pretty … Continue reading Spending Matters: Calculating How Many Days Earlier You Can Retire
Yep, another clickbaity headline, but hear me out. A couple of months ago I wrote my last clickbaity headline, How to Make $2,000 in 30 Minutes (For Real), which described how you could make $2,000 in an (arbitrarily chosen) six years by getting the American Express Blue Cash Preferred Credit Card (that's a referral link … Continue reading Turn 30 Minutes into $15,000 (No smoke and mirrors, just math)
Yes, it's a clickbaity headline, but it's accurate. If you ask most people if they would take a job that offered to pay them $4,000 an hour, they would most likely say yes (assuming it wasn't dangerous, illegal, or against their principles). If you followed that up with the condition that the total duration of … Continue reading How to Make $2,000 in 30 minutes (For Real)
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