Two Weeks In: An Honest Look At My 2018 Goals

Broken mug. Broken goals.

We are halfway through the month of January, and I’ve got a confession. While we’re rocking on some goals, others aren’t going so well. In fact, I’ve already failed at some of my goals completely. But I don’t really care – and there’s a reason. I Suck At Goals Here are some of the goals I’m already behind on, or flat our have given up. Finalize the rollover of my old 401(k). I’m behind on this one, and it’s stupid. You see, I’d meant to have this done last year. Actually if we’re being honest, back in 2016. I have a Roth 401(k) from my first job that’s still sitting out there. It’s got a fair amount of money in […]

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Why I Don’t Regret Not Saving More for Retirement in My 20’s

Bars are where much of my money went

*Gasp* A personal finance blogger who doesn’t wish he’d saved more money in his 20’s?!? Yep, that’s me. And it’s not because I already saved a ton. Admittedly I didn’t – my savings rate through my 20’s was a paltry ~15% or so, give or take a few percentage points. Better than some, to be sure, but definitely nothing to write home about. Especially in the world of some personal finance bloggers who regularly save 70% or more of their income, 15% is laughable. For as much as I didn’t save for the long term, though, I did do a few things right. And I don’t regret putting retirement a bit on the back-burner. I Paid Off My Debts My […]

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My Hail-Dented Badge of Honor

Hail about this size damaged my car

If there’s one thing I’m distinctly not known for, it’s my knowledge of cars. My dad equipped my brother and I with a lot of information and life lessons while we were kids. However for all his hard work, handiness in general is somewhat of an enigma in our family. So it’s a bit surprising that despite not being known for my knowledge of cars, one of my defining possessions is my 2011 Hyundai Sonata. First(ish) Car I purchased my Sonata, used, in 2010 with about 7000 miles on it. I got a super shitty car loan; I didn’t know better, my credit was ‘meh’ due to my credit card debt from college, and I needed a new car anyway. […]

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20 Things I Wish I’d Known In My 20’s

There are plenty of things I wish I'd known in my 20s that didn't come from text books

Do you ever wish you could go back in time? Ah, how younger Dave would have avoided a great many mistakes. Of course, mistakes are often how we learn. It’s how we grow as people, figure out what we like and dislike. Still, a part of me would love to go back and impart upon my younger self a few tidbits of wisdom I’ve gained over my 30 year existence. I’ve come up with a list of 20 things I wish I’d known (or done) in my 20’s or sooner: Save money now, because you’ll definitely want it later. I wish I had maxed out my Roth IRA every year. When I first started it I put some money into […]

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The Most Expensive Vacation I Never Took

You know what’s awesome? Booking a trip to Vegas. Less awesome? Not actually taking that trip. The least awesome of all? That trip you didn’t take (combined with bad habits) landing you into years of credit card debt. I wish I could tell you I was making this up, I really do. But nope – this happened to me back in 2008 and was one of the catalysts to landing me in credit card debt. Mistake #1: Trusting Drunk Dave When I was in college one year, I was living with 5 other dudes. Yes, 5. Three of them were named Matt, and two had the same last initial. It was a very complicated period of time, and we drank. […]

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