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How Much Do You Need To Save to Retire?
How much do you need to save for retirement? This free retirement planning workbook helps you estimate your expenses, compare four retirement models, and calculate how much you need to save.
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In Defense of Dave Ramsey
For years now, I’ve watched financial experts and arm‑chair advisers take turns criticizing Dave Ramsey’s Total Money Makeover. Some of that critique is thoughtful, but much of it — especially the loudest parts — does more harm than good. It discourages people who desperately need a simple, structured way to regain control of their finances.…
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If a goal is about who you become, it must truly be a goal
Importance Doesn’t Make a Project a Goal In my last post, I talked about how goal setting shouldn’t be limited to your job — your goals should span all areas of life. But there’s another trap people fall into when planning their year: confusing important projects with true goals. It’s easy to take something that…
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Goal Setting Isn’t Just for Your Job
Setting personal goals is crucial for shaping your life rather than merely reacting to it. Aim to establish goals across various life domains—being, relating, and doing. Utilize the SMARTER framework to create meaningful, balanced goals that inspire growth and reflect your identity. Intentional goal-setting can transform your life into a purposeful journey.
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Last Penny
The U.S. mint ceased production of the penny on 12 Nov 2025 to save taxpayers $56 million since it currently costs 3.7 cents make a cent piece. This is disingenuous and obscures the real issue. The real issue isn’t that penny costing more than a cent to make, it’s the century-long erosion of the currency…
Blog
I’m Dan
Welcome to my crazy corner of the internet where I am unsupervised. This page is a collection of all the things that I have decided to share to the world, whether it’s adventures, rural living, financial insights, books that I found live-changing, or just concepts and ideas I’ve discovered.
