No Regrets Getting An ARM Despite Higher Mortgage Rates

On August 1, 2020, I took out a 7/1 adjustable rate mortgage (ARM) at 2.125%. I could have gotten a 30-year fixed-rate mortgage for 2.75%. However, I wanted to save 0.625% in interest. Years later, mortgage rates have zoomed higher thanks to the pandem...

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The Risks Of Upgrading Homes Nobody Really Thinks About

I currently have an opportunity of upgrading homes but am unsure whether it's the right move. Maybe you're going through this dilemma as well and need to talk things through. The house I wanted to buy a year ago failed to sell because it was listed too...

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Paying Off Your Home May Not Provide The Joy You Expect

Thanks to reader feedback, I realized one financial move that was not included in my top financial moves to relieve stress list, was paying off your home. Even though I thought long and hard about what to put on the list, paying off your home didn't ge...

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The Average Age Of U.S. Vehicles Keeps Going Up

I used to think that owning a vehicle for ten years was a wonderful financial accomplishment. Doing so shows constraint from wasting money on buying another depreciating asset too quickly. Holding onto your vehicle for ten years also is a nod to being ...

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Top 10 Financial Moves To Reduce Stress And Anxiety

I realized something important after writing about the best reason to retire early. Money doesn't buy everlasting happiness. However, having more money can reduce stress and anxiety. The goal of achieving perpetual happiness is not realistic. Happiness...

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The Pandemic Was An Experience In Hedging Your Life

One of the main reasons why I retired at age 34 was to hedge against an early death. When I was nine, my grandfather died from cancer and I clearly remember seeing my mother distraught for months. Then when I was 13, my 15-year-old friend died in a car...

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For A Rich Long Life, Marry An Asian Person

Do you want a rich long life? Of course you do. It turns out that marrying an Asian person may give you the highest chance of outliving most people! Let me share how I came to this conclusion. After publishing my post on how life expectancy greatly dep...

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Before Having Kids, Consider Spending Lots Of Money

Most responsible adults who want children will strive to save and invest as much money as possible before becoming parents. However, after being a parent for six years, I realize this advice might not be ideal for living your best life. Everybody knows...

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Buying A House In 2023: A Window Of Opportunity Emerges

If you're looking at buying a house in 2023, I believe a window of opportunity has emerged. Let me share the reasons why with some background to start. In my 2023 housing predictions, I forecasted an 8% decline in the national median home price by arou...

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