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Invest Money

Is Real Estate A Good Investment? Why I Want To Put 50% Of My Net Worth In Rental Real Estate

47 Comments -- Reading Time:

6 factors that make rental real estate a strong investment vs stocks and bonds, as well as real estate opportunities that don’t involve being a direct landlord.   We live in an interesting economy. Interest rates are at an all time low. The stock market has been on a tear the last several decades, but...

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Average American Families: How To Make Your Child A Millionaire

17 Comments -- Reading Time: 7 Min

The average American family can buy their child’s retirement and make them a millionaire, if only they viewed their child-rearing spending differently. Here’s how to set your child up to be a millionaire – without spending more than you already do.   The USDA says the average cost of raising a child in the US...

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Why You Should Always Max Out Your Retirement Accounts – Squashing Your Fears

5 Comments -- Reading Time: 7 Min

Worried that maxing out your retirement accounts will not leave you enough on before 59 1/2? Here are all the penalty-free ways to draw money from your IRA that make it almost always the right move to still max out your retirement accounts.   Over the past year and a half, I’ve gotten all sorts...

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Should You Have International Stocks In Your Portfolio? A Data-Based Answer

14 Comments -- Reading Time: 6 Min

Many experts and target date funds suggest a 20-30%+ allocation to international investments. But is this actually a wise move? Here’s what the data says about it, and how to get the most bang for your buck in pursuing an international strategy (hint: it’s not the typical global index).   If you examine any target...

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Guest Post: Finding An Underpriced Home

7 Comments -- Reading Time: 11 Min

Our guest poster shares four opportunities you can leverage to find an underpriced home in your market.  For Sale By Owner properties (FSBO’s), scouting for soon-to-come amenities, and more.   J.P.: Today’s guest post comes from a reader and friend of mine, Jayce, who lives in an East Coast suburb.  He and his wife have...

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What to Do During A Large Stock Market Drop

23 Comments -- Reading Time: 9 Min

The Dow, S&P, and pretty much every major index have dropped approximately 6 percentage points in two business days. Do you need to take action? Here’s how to think about it with data, charts, and mentions of cake.   It’s been an exciting few days in the stock market. By exciting, I mean terrifying and...

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A Warning Story Of Blind Momentum Investing: Inside A Pump and Dump Scheme

6 Comments -- Reading Time: 5 Min

Seeing a particular stock or investment opportunity skyrocket can trigger a desire to get in on the action. Here’s an example of what you’re up against, and why having a fundamental thesis matters.   During my time as an institutional investor, I sat through a slew of hot opportunities, many of which we let pass...

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Breaking Down Real Estate Private Lending: A Source for 9-12% Returns?

14 Comments -- Reading Time: 12 Min

Our guest poster Elizabeth Martin introduces the concept of real estate private lending – an investment asset that has been yielding her 9-12% returns – and breaks down how it works and how one might get started.   I am continually impressed by the smart readers that have joined the Money Habit community. Today, I’m...

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Your Break Down of Bitcoin and Cryptocurrencies (And Whether You Should Invest)

23 Comments -- Reading Time: 10 Min

A former institutional investor breaks down what cryptocurrencies are and how to frame the pros and cons of an investment in various cryptocurrencies, all in under 10 minutes.   The attention cryptocurrencies are getting in the media – especially Bitcoin – is astronomical. It’s not hard to understand why. The price of  a Bitcoin was...

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New Year’s Wins: 5 Actions To Start The Year Off Right

3 Comments -- Reading Time: 6 Min

What are concrete things you can do with the energy you have to start the new year off right? Here are five things that will start a flywheel of productivity for your wealth.   Start Regularly Tracking Your Key Metrics: Net Worth, Income, and Expenses   You improve what you measure. When a business...

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  • Popular Posts
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blueprint retirement

Four-Step Blueprint to Retirement: Part 1

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Welcome to The Money Habit

As a retiree at 28, I've discovered that early retirement doesn't require you to be a genius or have an incredibly unique skill set. It can be achieved without you becoming an emotionless robot. Showing up every day is what counts. Incremental improvement - a Money Habit - trumps everything else. This blog will teach you how to get there.

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The Money Habit

Written by someone who retired at 28, The Money Habit is a personal finance site that focuses on investing, saving, and earning strategies to help you achieve financial security. 15 minutes a week to extreme, early wealth.

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