Welcome to the site. This is my second go at personal finance blogging. I had a start back in 2004 as an intern but quickly got distracted with medicine, iOS development and now back to finances. Why am I as a doctor, dolling out my experience on finances, early retirement, app development and the like?
I have looped back to finances because eventually everyone figures out that no-one cares or knows more about your financial situation than yourself. There are a multitude of services out there to help you with all your financial needs, for a price.
If you need debt reduction, they have it.
If you need retirement planning, they have it.
If you need insurance, they have it.
These things ARE needed by most Americans, but a slightly motivated individual of average intelligence can often do a excellent job for themselves at a much better price.
I will show you how I have approached these problems from an upper middle class life style. We are the classic “HENRY” family; “High Earners Not Rich Yet” While I face many of the same financial problems as most of the population, my upper middle class income offers me opportunities and dilemmas that are not often touched on by other personal finance blogs.
I am by no means an “expert” on any of this. In fact, I would be suspicious of anyone who does pretend to be an expert. Each individuals situation is unique and the best person to decide what is best for you is YOU! So do your due diligence, read some books and blogs. Talk to a friend, even an advisor. Then make your decision and be confident you made the best decision you could make with the information you had at hand.
This should all become part of your financial system that you review on a regular basis. Do this, then get on with the rest of your life!! After all, your finances are there to allow you to do the things you want to do!
Enjoy the ride.