the Cash Dad Blog

get rich quick money 0

Would You Recognize a Get Rich Quick Scheme if You Saw It?

Get Rich Quick Opportunities Through History and Current Back on January 24, 1848, James Marshall discovered gold at Sutter’s Mill in California. And so began the┬áCalifornia Gold Rush. Hundreds of thousands of people immigrated from all over North America for the chance to get rich quick. You might remember from history class, the people who eventually ended up in California...

Living payment-to-payment 0

Forget Paycheck to Paycheck! Are You Living Payment to Payment?

Do You Find it Hard to Keep Track of Your Many Payments? You’ve heard the common phrase, “Living paycheck to paycheck”. I would submit that for most of us it’s not the paycheck that’s the problem. It’s on the other side of the balance sheet where we get into trouble. You see, we’re living payment-to-payment. Related: The Payment Syndrome is...

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Is a Debt Free Life Really the Ultimate Goal?

While You’re Chasing Your Money Goals, are You Still Living Your Life? I’ve written fairly extensively about becoming debt free. My family still has a mortgage remaining. And we have no other consumer debt of any kind. We have more than 50% equity in our house, and our net worth is trending up. We’re well on our way towards a...

Personal finance 101: insurance is for risk transference 0

Personal Finance 101: Risk Transference and Insurance

Do I really need all this Insurance? Is all insurance a waste of money? What insurance do I actually need? What is the purpose of insurance? Do I have more insurance than I need? What is “risk transference”? These are all great questions. And we’ll get to them all in this longer than normal post. There’s a lot of info...

Your behavior is important 12

Success With Money is All About Changing Your Behavior.

The Most Important Tenet of Personal Finance is Your Behavior Not Your Knowledge of Math or Numbers. There’s a common perception out there in the internets that uses math and numbers to “sell” personal finance fundamentals. And while I don’t have any problem with numbers and math per se (I’m an engineer after-all), it doesn’t tell the whole story. There’s...

Elininate Your student loans 1

How to Eliminate Your Student Loans for Good!

Left Alone, Student Loans Will Destroy Your Finances. So you have student loans? Don’t worry, you’re certainly not alone. There are 44 million other Americans who have an average debt of just over $37,000 in student loan debt also. But unlike many, who are resigned to their seemingly miserable fate of payments until they die, you actually want to get...

Invest, don't pay a car payment 3

Are You Driving Your Retirement?

Your Retirement is More Important than Any Car or Car Payment. Is retirement investing on your radar? Or are you living in the moment with the thought that you’ll just work forever? Before we get to how your car payment fits into this narrative, let’s discuss retirement. If you’re not putting any money away regularly for retirement and your future,...

Life is Hard enough without adding worry 1

“Don’t Worry! Be Happy” and Take Control of Your Life.

Life is Better Without Worry. I was sitting on my deck recently watching my kids in the yard play their version of football. It basically consisted of one of them throwing the ball to the other. And then the one without the ball tried to tackle the one with the ball. If they made the tackle, then they would start...