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2021 Financial Goal-Setting and the Fresh Start Theory

by 5am Joel / on December 28, 2020 May 29, 2022 / with (38) Comments

Have you ever heard of the “fresh start theory”? It’s basically a theory that people are more likely to tackle and achieve their goals if…

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Merry Christmas! 10 Original Santa Jokes for You 😱 🎅🎄🤶

by 5am Joel / on December 25, 2020 December 25, 2020 / with (6) Comments

(Warning: We never said these jokes were any good…) How did Santa do on his performance review? —> He absolutely sleighed it! And did the…

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Should you include your primary home in your net worth?

by 5am Joel / on December 21, 2020 May 29, 2022 / with (33) Comments

I got a question recently from a reader about my net worth tracking… “I was curious why you’re not including your primary residence in your…

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Repairing a Damaged 570 Credit Score All the Way up to 820!

by 5am Joel / on December 18, 2020 May 29, 2022 / with (32) Comments

My original idea for this post was to find a few people with perfect 850 credit scores and interview them. I’m really curious to see…

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HM Bradley: A 3% Interest Checking Account Based on your Savings Rate

by 5am Joel / on December 14, 2020 March 15, 2021 / with (14) Comments

I just learned about a cool new bank called HMBradley. It could be a great tool if you are currently building up an emergency fund,…

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Bad Excuses to Spend Money 💵 🤷‍♂️ 💵

by 5am Joel / on December 11, 2020 December 11, 2020 / with (19) Comments

What’s worse than watching your friends spend money on crap they don’t need? I’ll tell you… It’s hearing them afterwards try to convince you why…

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Food Delivery Side Hustle – Making ~$40 Per Hour!

by 5am Joel / on December 7, 2020 August 11, 2022 / with (7) Comments

Kevin over at Financial Panther is the king of side hustles! I first met him back at FinCon in 2018. He was a full-time lawyer…

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Net Worth Report #3 – “Cup of Tea”

by 5am Joel / on December 4, 2020 May 29, 2022 / with (30) Comments

Well, paint me green and call me a pickle! Last month the Dow Jones industrial average experienced its biggest monthly gain in more than 33…

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Sequence Of Returns Risk – Why You Should Care

by 5am Joel / on November 30, 2020 March 9, 2021 / with (26) Comments

Sequence of returns risk? Sounds like something only old, rich, retired people have to worry about… As long as I save up 25X my annual…

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Happy Thanksgiving! Here’s Some Good Reads From Around The Interwebs…

by 5am Joel / on November 27, 2020 November 27, 2020 / with (6) Comments

Happy Spanksgiving! 😉 Hope you’re all safe and enjoying the holidays :)   Here are some fun and interesting personal finance reads from around the web……

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Created in 2008, J. Money started the blog to hold himself accountable and have some fun talking about money in the process. An avid coin collector, yogi, and Daddy x3 (boys), you can find him trying to live his Best Life while sharing all his wins (and fails!) in the process. Thanks for being here! [Full Bio]

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About

Created in 2008, J. Money started the blog to hold himself accountable and have some fun talking about money in the process. An avid coin collector, yogi, and Daddy x3 (boys), you can find him trying to live his Best Life while sharing all his wins (and fails!) in the process. Thanks for being here! [Full Bio]

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