You’re 70 years old. You shuffle out to your mailbox on a crisp Monday morning and you are not at all surprised by what’s inside: junk mail and bills. “You’ve been pre-approved for this credit card.” — garbage “I’ll do great things for your city. Vote for me!” — garbage “It’s that time of month….
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Derek SallDerek Sall is the owner and head writer of >LifeAndMyFinances.com. There, he teaches people how to get out of debt, save money, and grow wealthy. When he's not busy writing, you can probably find him fixing up his next rental property or spending time outside with his wife and daughter.
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Recent posts by Derek
To gain financial independence for retirement, use the lessons of those who have retired early… like really early… The Big Takeaways… Financial independence can be achieved, but it’s about combining lifestyle ambitions with reasonable financial strategies. Financial independence comes with some sacrifice, so it’s important to consider the consequences before committing yourself to an early…
Were you the kid in kindergarten that secretly ate paste in the corner? Or were you the one solving all the math equations from the end of the book on your first day in class? (I knew those kids. Both of them were in my class – and I’m not yet admitting to being one…
Beeeep beeeep beeeep… Ugh. The alarm clock. It’s Monday morning and you don’t even want to move, let alone get up, get ready, and head off to work. But…you’re an adult. So, like the past 30, 40 or 50 years, you climb out of bed, put on your classy clothes that you hate, and head…
Scarcity can be a big problem in all kinds of situations, including retirement. You’re busy – probably more so than you’ve ever been. There are meetings to attend, important emails unread, and looming deadlines that seem more and more impossible with each passing day. You have absolutely no time to yourself, and you do everything…
You were probably a teenager when it happened – the moment when you opened your first paycheck and officially started the cycle of earning and spending your own money. Since then, the following process has never stopped: Work. Earn money. Spend some. Save some (hopefully)… Repeat. And now, just because you are ready to retire,…
Some individuals dream of the day when they can do absolutely nothing. To them, retirement is a euphoric future of sleeping in, lounging in the sun, and thinking as little as possible for the next 30 years of their lives. For most of us though, a life of zero activity and thought would drive us…
