Start investing today

to cultivate your wealth and gain flexibility

I will send you first to my ultimate guide to investing. This is a resource that lays out all the details and answers your most pressing questions. 

It's your best way to learn how to get started the way I did. Boring AF, yes.  But its worked well over the years and I get straight to the point. 

Financial wellness, because your well-being matters

Before we go any further into my best money tools and resources, I want to first acknowledge that money is personal and you will have your own unique journey. No matter what your past money mistakes, I also want you to know that by being here you are taking the first steps towards your financial well-being. 

Get started as an investor at some of my favorite places

In a nutshell here is how to start

Your best bet is to start with a robo-advisor and use index products. This is a good way to get a good start and begin building a portfolio while you learn about investing. Once you have a better handle on your risk tolerance, needs, and style, you can add individual equities, alternative investments, and try other assets to diversify your portfolio and add growth.

Below: A variety of investment platforms to meet a variety of needs, especially if you're interested in alternative investing.

Find Your Unique Path To Cultivate Wealth

with my financial priorities guide.

A blog to help you cultivate wealth and gain flexibility

a collection of guest posts, guides, and personal money stories

I don't have an amazing get-out-of-debt story or a make-six-figures-a-month story. What I do have is accumulated knowledge, financial experiments, and plenty of mistakes. Over time, I've learned what works for me when it comes to using my financial resources to create a life I love. Check out my money blog for information about how I structure my finances and make the most of my money. Maybe you'll find inspiration for your own money journey.

Finance

Personal Finance, Politics, and Race

Yes, personal finance is political. If you know me, you're well aware that I do a lot of work around how various policies impact people's money as well as their lives. It's nice to say something like, “Focus on personal finance and stay away from politics!” However, the policies enacted by city, state, and federal

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Is Financial Literacy REALLY Going to Save Us All?

Financial literacy is a great idea. The reality, though, is that it's probably not enough. In fact, the people who supposedly “need” it are probably better at money than you think. Ah, April. I wouldn't be a “good” personal finance blogger if I didn't write about financial literacy during Financial Literacy Month. We're in the middle

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Investing

Feeling Bad About Money: Stock Market Drop Edition

Here's the thing. Some stuff that happens is ok for me. Like a stock market drop. I don't actively wish for it to go down like this. But I'm not sad when it does. And that makes me feel bad. In case you haven't been paying attention, the last week has been pretty much a

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My Emergency Fund: Taxable Investment Account

Updated January 1, 2020 I've turned a taxable investment account into my emergency fund. There are a couple of things that I “know” as someone who writes about personal finance for my “job.” I'm not supposed to be using a taxable investment account until my tax-advantaged retirement accounts are maxed out. And my emergency fund

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Book Review: Money for the Rest of Us by J. David Stein

If you're looking for a straightforward explanation of investing — and how to make it work in your life — Money for the Rest of Us is for you. I'm a huge proponent of making investing accessible for more folks. That's exactly what my friend David Stein does in his book Money for the Rest

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Career

#FINCON11, Hard Choices and What's Next

I've had a week to absorb what I learned at the Financial Blogger Conference, and reflect on what I want to do next.  (If you are interested in the slides, you can find them on the FINCON web site.) J.D. Roth asked us all to think about why we write. Pat Flynn told us to

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Be Your Own Boss! Buy Our System!

The other day, I took a check (yes, some people pay me with paper checks, in spite of my efforts to get everything taken care of electronically) to the bank. We went through the drive up, and right there, below the clear plastic chamber, was taped an inspiring flier. Work from HOME! I already work

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Listen to Me! Interviews with Chris Gaddis and PT Money

Over the summer, I've been interviewed twice. For one interview, I'm just talking about blog posts that have appeared on blogs I write for, and sharing some of the tips. The other interview is about my life as a freelance writer, and how I run my work from home business. If you have an hour

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Home Business

Should You Buy A Franchise Or Start Your Own Business?

One of the best ways to diversify your income is to start your own business. However, that can be time-intensive and have the possibility of failure. Another way to be your own boss is to buy a franchise. Here's how to decide. In the early years of running a business, you may stay up at

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Make the Most of your money and find freedom

My favorite money tools and resources all in one post for you dive into. 

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