Life Optimization

Are We Inviting Bad Financial Influences In?

Old Dracula movies always have himuse the weirdest hand gestures. Bram Stoker is responsible for a lot of modern vampire characteristics. From garlic warding them off to driving a stake into a vampire’s heart, that’s all in the popular imagination because of Stoker. Another interesting aspect of Stoker’s Dracula is how he enters into his victims’ lives. Dracula cannot sneak through an open window and start sucking your blood. He must be invited in. All…

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Financial How Tos

How to Save for a House When Inflation is High

My wife and I aspire to own a house someday. Our goal is to be “in the game” around this time next year. In the game means that we’ll be looking for a good deal, knowing that it could take a while before we find something. The biggest barrier for us is saving for a down payment and trying to figure out where to put the money. Current inflation is over 8% for the year.…

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Life Optimization

Automate Saving to Make it Easy

With 1 year old twins, carving out time to accomplish finance related goals is difficult. After they go to bed, all my wife and I want to do is relax and enjoy each other’s company. Her idea of a relaxing evening does not involve logging into Vanguard and contributing to our Roth IRAs. Because of this, at the beginning of 2022 her Roth IRA was not maxed out for 2021. Luckily everyone still has until…

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