Today’s question comes from Lindsey. She asks:

Thank you so very much for all you share regarding financial freedom and lifestyle choices! I am avidly reading your articles, and checking into your book suggestions (some I’ve read, some are new). I’m curious if you may have any input. I’m 40 and feeling a bit financially stuck and unsure. I’ve been “frugal”, financially responsible (debt free except mortgage, brief car/educational loans) and saved my whole life, but...

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By Chris Reining / 13 Comments

Today’s question comes from Tamara. She asks:

I don’t have much invested in the stock market at all. I just started messing around with an E*TRADE account this year and otherwise I just have a pension with the state of California (currently full-time state employee at $6,300/month), two rental properties (net $1,800/month and maybe $150-200k equity), a little cryptocurrency ($6k), actual gold/silver ($3k), scholarshare ($200k), no-matching 453 plan ($5k), and emergency fund ($25k). I bought...

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By Chris Reining / 8 Comments

Today’s question comes from Jay. He asks:

Thanks for the informative content you’ve generated. It’s some of the soundest, easily-digestible out there, and it’s definitely had an impact in my life.

I’ve been reading up on retirement for a couple of years now, roughly when I went into the workforce after college. I’m in my late 20’s, and currently, I make just shy of the $118,000/year IRA income contribution cap. I just recently started to fully...

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By Chris Reining / 2 Comments

Today’s question comes from Tuta. He asks:

I have my 401k at 15% (pseudo-max). I have a few hundred dollars going into a savings account at a credit union. I just started investing in stocks about a month ago. I’m totally clueless, but I read something somewhere that said invest in companies you know; so I bought Marriott, United Airlines, Visa, Papa John’s Pizza, Costco, Under Armour, Chase, and Novartis (no clue but read an...

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By Chris Reining / 8 Comments

Today’s question comes from Jeremiah. He asks:

Hey Chris…obsessed with your website and advice…keep up the great work! I had a question I wanted to run by you.

I was looking online at smaller loans and came across some pretty decent terms and had an idea I wanted to see what you thought about. I can borrow $15,000 (or possibly more) for around 3% interest for 3-5 years (my choice) and was considering doing this and...

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By Chris Reining / 4 Comments