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Should You Use a Roth IRA as an Emergency Fund?

Saving an emergency fund and investing for retirement are both important. But squirreling away three to twelve months of living expenses may delay retirement investing for years. Fortunately, there's a way to do both without doubling your income: Use your Roth IRA as an emergency fund. Unlike the traditional IRA, with a Roth IRA, you ...

Where to Buy Movie Tickets For Cheap Online

Nothing's more timeless than griping about movie ticket prices, and for good reason. Where I live, an adult movie pass, generally, costs at least $11. After popcorn and drinks, a night at the movies is like $40 for two adults. That's cuhrazy! Fortunately, you don't have to pay full price at ...

A Quick and Dirty Guide to Passive Income Streams

A couple of days ago, in How Lazy Bastards Make Money Without Lifting a Finger, we discussed the benefits of passive income. Today we'll dive into the nitty-gritty details on how to passively beef up your earnings. Interest Simply put, interest is the cost of cash. It's money earned for money loaned. Individuals, businesses, and governments ...

Secret Tricks to Grabbing the Best Travel Deals

Many Americans spend the whole year fantasizing about those precious few weeks of vacation, when they can escape corporate politicking and their tuna-fish-sandwich-eating office mate. But if you want to truly unwind during your time off, don't allow money worries to cloud your brain. Making the most of your travel dollars ...

Check Your Credit Score Online for Free: Credit Karma Review

Have you been to AnnualCreditReport.com to order a free copy of your credit report from each of the three major credit bureaus? If you haven't, you should do so once a year. If you have, then you're aware that AnnualCreditReport.com does NOT offer a free credit score along with your free credit ...

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Applying the Principals of the The Million Dollar Club

On Friday, August 14th, I found out my web site was blacklisted on Google, Firefox, Safari, and Chrome. This essentially means YouHaveMoreThanYouThink.org will not show up in Google’s search results. People who attempt to visit my blog using the aforementioned web browsers (Internet Explorer is still my friend) will receive a nasty, flaming, spinning picture [...]

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Giving Uncle Sam an Interest-Free Loan Costs More Than You Think

An easy way to quickly get more money in your pocket is to increase the number of withholding allowances on Form W-4. By doing so, you don’t change your income. You just change the timing of when you receive your money. In the past, a compelling argument could be made to avoid receiving a large [...]

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Shawanda Joins the Million Dollar Club

Calm down, calm down. I’m not a millionaire. But, it’s good to know you’re excited for me. Reserve that energy for later when my net worth hits $1,000,000.00 in 2026. Actually, that’s kind of far off. I’ll work on getting the income up during the interim.

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My First Weekly Roundup

Alas, my very own weekly roundup. I meant to post this on Friday, but I figured since I hadn’t done anything at my regular job all day why start working when I get home? Just kidding.

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A Negative Side Effect of Frugality

Pickling cucumbers. Making laundry detergent. Growing vegetables. That’s not my bag. It sounds like a lot of work. Many people shy away from frugality when they think saving money will become too time consuming. I’ve managed to save money the lazy way.

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The Last Luxury

If you had to choose only one luxury, what would it be? That’s the question I’d like answered. I’ve given serious thought to what my only nonessential expense would be. Don’t ask me why this is important. Maybe I’m just curious to know how low my expenses can go. It’s kind of like when you [...]

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Kill Entitlement Spending

I can’t think of any other words, when stringed together, make my skin crawl more than “I deserve it.” Maybe because in my haste to judge people who liberally spew such garbage, I fail to identify the contributions they’ve made that entitle them to experiences and material possessions they can’t afford. It’s not that I [...]

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Are You Searching for an Answer or an Excuse?

The other day, some interesting reading crossed my twitter stream. KiplingerMedia tweeted a link to the article What to Do if You’re Fired. I thought the article would provide fresh job hunting tips for those who were recently let go as well as those who’ve been unemployed for an extended length of time. As expected, [...]

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My Misidentified Necessity

I purchased a new 2007 Honda Civic on March 15th of the same year. At the time, Betsy (my loyal 1995 Geo Prizm) was too unsafe to drive. The missing dome light and duct taped side view mirror didn’t bother me at all. Nor was I rattled when all the internal door handles crumbled and [...]

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What’s In An Emergency Fund?

An emergency fund is an essential component of a sound financial plan. Having three to six months worth of living expenses in a high yield savings account is recommended by many personal finance experts. Before deciding how much money you need designated as an emergency fund, there are two big questions you must answer: How [...]

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