Plan For Your Future

A few years ago, I started doing some serious evaluating of my life and how well I was providing for my family. I started reading anything I could get my hands on in regards to finances. I made a choice to start living my life a little more intentionally. I wanted to stop feeding Today Me (the dude that keeps me from planning for the future). The result: I can honestly say that, for the first time in my life, I have 5 and 10 year plan for myself and my family. I think this is what determines which Me wins. This is also probably true for all of us. Continue reading “Plan For Your Future”

Ranking The Best Passive Income Investments

We spend a decent amount of time discussing finances on this site. I feel like getting a handle on your finances is one of the first steps that a couple should take in creating stability for their family and should be considered at the front end of a marriage. However, this conversation needs to be revisited from time to time as new obstacles come along. Increases in pay or a new career are often the go-to answer in regards to how we create more financial flexibility, but that is not the only way. Continue reading “Ranking The Best Passive Income Investments”

Bitcoin… and then what?

A few years ago, a friend of mine gave me some advice that I probably should have followed. He simply said, “Zach, you need to buy some Bitcoin.” Now, I was aware of Bitcoin at the time so his advice did not confuse me. However, I was not convinced that it would ever actually be a thing that people were making tons of money off of. I thanked him for the advice but dismissed it in my mind. There were simply too many red flags / concerns about its stability to pay much mind to it at all.

However, if I could turn back time…

This article was up on Wall Street Survivor last week and details a handful of options in regards to cryptocurrency that a person could explore if they were looking to get in on this new craze.



With the eye-popping price increases of Bitcoin over the last few months, and truthfully the whole year, it can be tempting to want to buy Bitcoin right now.

That might be a mistake. Buying at all-time highs can be a risky proposition. Instead, it would make more sense to build a position in other, more undervalued coins while waiting for a dip or crash on Bitcoin to carve out a substantial stake in the cryptocurrency.

That said, here a few of the best cryptocurrencies to buy right now.


Litecoin is one of the oldest cryptocurrencies out there and was founded in 2011. It is a mature coin if that’s even a thing. Litecoin was inspired by Bitcoin but has few advantages over the original, namely the speed of its transaction processing.

Founded by a former Googler, Litecoin has grown to become the fourth-biggest coin by market cap. At $13 billion, it’s nearly twenty times smaller than Bitcoin, but it benefits from not having as much hype around it as other coins. In fact, it’s managed to sort of fly under the radar, and that’s why it could be a good buy right now.


Ripple is a company aimed at bringing blockchain solutions to enterprise clients. The blockchain is a unique type of ledger that helps people transact with one another without needing to trust one another. By working with high-profile clients like banks and other financial institutions, Ripple is well-placed to become incredibly valuable as the blockchain of choice for big business.

Ripple is the 6th biggest cryptocurrency by market cap and has around 38 trillion coins in circulation. They already have relationships with the likes of UBC and Bank Santander so look out for Ripple in 2018.


Golem recently cracked the top 50 cryptocurrencies by market cap and is poised to take off.

It’s another coin that seems capable of delivering real value. The idea behind Golem is to create a network of computing resources that can then be loaned out to anyone who needs it. Someone in South Korea needs extra computing power to run Final Cut Pro? No problem, you can help them out through the Golem network and earn cryptocurrency while doing it.


 Ethereum is likely going to be the Ruby on Rails of the crypto world. Just like how developers can use Ruby On Rails to help build applications and websites, Ethereum allows companies to make decentralized organizations and apps. Developers and entrepreneurs can build their decentralized operations right on top of the Ethereum blockchain rather than having to create one from scratch. In fact, if you were so inclined, you can create your own crypto-coin using Ethereum right now.

It’s this sort of universality and scalability that has propelled Ethereum into second place behind Bitcoin in the cryptocurrency race.

Yes, “King Coin” itself is the last cryptocurrency on this list. That’s because it is still the top dog. With a market cap five times its nearest competitor, (Ethereum) Bitcoin is the market leader and has immense brand name pull. It is undoubtedly what everyone hears about first when they are exposed to cryptocurrency. For that reason alone, Bitcoin finds itself on the list. Just do yourself a favor and wait until you can buy some at a serious discount.

While it is probably too late to make loads of money off of Bitcoin now (simply because it is sooooo expensive), there are other options. Another friend (apparently I have at least two) was just telling me about Ripple last week as he intended to pick up some of that currency. At this point, cryptocurrency appears to be a thing that is not going away. With that in mind, if you are looking to get involved in the investing aspect of this new money, this is a good way to do it.

Life is Strange. Live it Well.

What Does Your Investing Brain Say

Jason Zweig reminds us that “our investing brains often drive us to do things that make no logical sense – but make perfect emotional sense. That does not make us irrational. It makes us human. Our brains were originally designed to get more of whatever would improve our odds of survival and avoid whatever would worsen the odds. Emotional circuits deep in our brains make us instinctively crave whatever feels likely to be rewarding – and shun whatever seems liable to be risky. Continue reading “What Does Your Investing Brain Say”

3 Steps to Investing for Beginners

Every time I log into Facebook, I see posts by family or friends stating their desire to get ahead in life and get their finances in order. And, that is for good reason as most of these people live in Illinois currently and the financial picture there is pretty bleak. However, this desire to get out of the mud financially is not limited to Illinoisians. Every body wants to put a little bit of cushion between their debt and their next paycheck.  Continue reading “3 Steps to Investing for Beginners”

Now is the right time to start saving

It is suggested that nearly 33% of all individuals who are earning at least six figures in our country have no savings whatsoever. How can this be? How can you make such a large salary and not put a portion of it back? It is understandable that someone riding the poverty line might not be able to put away some of their paychecks for savings. However, those in the $100,000 and up range seem to have the same problem.

Continue reading “Now is the right time to start saving”

Powered by

Up ↑