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Your Financial Fundamentals

Your Financial Fundamentals shows you how to apply practical methods and easy-to-understand processes, teaching you ways to grow your wealth.

01/03/2026

Washington Monument 2026

12/02/2025

Looks like I've got a spoofer.
Please report and block!

Apologies I've been ghosting.... Life got busy. But not worries, I'll be back on in the new year! And with great opportunities for you to grow your wealth.

Merry Christmas and the happiest of Holidays to you and your family

10/21/2025

Dave Ramsey wants you poor.

Do you agree? Comment below👇

Here's why I think so...

Yesterday, a Yahoo Finance article quoted Dave Ramsey's advice to stop contributing to your 401K for up to 18 months - or more - to pay off your debt.

THAT'S STUPID!

Here's why:
1. Lost time.
By waiting to contribute, you're losing out on compound interest, actually triple compounding! It will take more money (which you probably won't have) to reach your retirement goals. You'll be scrambling, not to mention struggling, to catch-up. And retirement will arrive faster than you think.

2. You'll always have debt.
Be it a mortgage, car payment, student loans, credit cards, etc. Emergencies happen, debt follows.

Here's how you balance:
1. DO NOT STOP your 401K contributions. At least contribute to get the employment match.

2. Pay your debt. Pay off the highest interest rate debt first. This will lower your total interest payments.

3. Only consolidate IF you can get lower interest rates. If you get a 0% credit card consolidation, be sure to pay off the balance BEFORE the introductory rate ends

Finally, DO THE MATH! Sometimes your investments are earning 3x that of the debt Interest rate. Which means investing more will grow your nest egg faster, outpacing the debt interest accumulating.
For example, my brokerage account typically earns 18% annually (average over 10 years). My second mortgage is 5.5%. Rather than paying off the loan early, I invested.

Results: I retired 10 years early!

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Comment YEP if you agree

05/16/2025

You can have financial wealth but does that mean you're wealthy?

You can be very rich and still be living a P*O*O*R life. In truth, being wealthy isn't about how much money you have or make, it's about your mindset and how you live your life.

If you want success and abundance in your life, then focus your goals on it. By your actions, the money will flow and follow you. The old saying is true - you reap what you sow. Show and give gratitude. Help others. It will come back to you 100-fold.

That's a wealthy life.

05/11/2025

Wishing all Moms a wonderful day!

03/17/2025

Why are you letting other people's opinions dictate your spending habits?

❌ They don’t pay your bills.
❌ They don’t build your future.
❌ They won’t bail you out of debt.

So why are you keeping up with the Joneses?

When it comes to:
✔️ Your spending habits
✔️ Your savings habits
✔️ What you drive
✔️ What you wear

NO ONE ELSE’S OPINION MATTERS.

Keeping up with the Joneses leads to more debt, more stress, and less freedom.
🚫 Their judgment doesn’t count.
🚫 Their judgment won’t pay your bills.
🚫 Their judgment is keeping you from financial freedom.

💡 Stick to YOUR financial blueprint—it’s the path to the future YOU want!

Comment below 🔽 How are you staying committed to your financial success?

Drop a 💰 if you're focused on YOUR goals—not theirs!

03/09/2025

Want to Save More Money? Start These 4 Simple Habits Today!

Saving money doesn’t have to feel like a struggle—it’s about making small, smart choices that add up over time. A LOT! Here are four easy habits that can help you keep more cash in your pocket while still enjoying life!

Shop at Second-hand Stores – Why pay full price when you can score stylish clothes, home goods, and even furniture for a fraction of the cost? Plus, thrifting is eco-friendly and can be charitable too.

Meal Prep Weekly – Planning your meals ahead of time means fewer impulse buys, less food waste, and major savings on dining out. A little effort = big financial wins!

Take Advantage of Nature Around You – Skip expensive entertainment and enjoy the great outdoors. Walking is not only free, but it’s great for your health and mindset!

Use the Library – Instead of buying books, audiobooks, or even movies, check them out for FREE at your local library. Many also offer free workshops and events!

Small habits lead to BIG savings!
Which of these do you already do?
Or which one will you start today?
Let’s talk in the comments! 👇💬

02/25/2025

📢💰 Want to Build Wealth? Listen to Warren Buffett!

One of the greatest investors of all time, Warren Buffett, said it best.

This simple mindset shift is the secret to financial freedom. Instead of waiting to see what’s left at the end of the month (spoiler: it’s usually nothing!), Pay Yourself First.

✅ Set aside money for savings & investments BEFORE touching a single dollar for spending.
✅ Make saving a non-negotiable habit, not an afterthought.
✅ Watch your bank account grow 📈 while your financial stress disappears.

💡 Imagine where you’d be in a year if you made saving your top priority TODAY.

Ready to break the paycheck-to-paycheck cycle? Start small, stay consistent, and build your future one smart choice at a time. 💪

🔽 Drop a 🔥 in the comments if you’re committing to putting saving FIRST!

11/17/2023

its been awhile I know. I promise to be starting back up in the new year.

in the meantime, Your Financial Fundamentals fully supports Wreaths Across America and Rori's efforts to raise funds.
https://www.wreathsacrossamerica.org/pages/179285/Overview/?relatedId=178519,14720

02/27/2023

CONTRIBUTE TO BOTH a ROTH IRA & a ROTH 401k

In recent weeks, I have had at 3 people ask me about investing in Roth accounts.

All were under the impression that you could either invest in a Roth IRA or a Roth 401k. But not both.

You don't have to imagine their surprise or frustration. All were (and still are) exasperated at the lack of financial education provided to students... and even adults.

Mostly they are upset at the time they've lost not investing.

Thankfully, they are hopeful and are changing their contributions. They are taking advantage of BOTH Roth's. They are motivated!

And they are telling others what they have learned. You should too!

Have questions about Roth? Let me know in the comments below!

**This post is for educational and informational purposes only.

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02/12/2023

THE ONLY WAY TO BE WEALTHY

There is only one way to be wealthy, and it's not about the money you have… or not have.

It's been said that those who pretend to be rich will always be P*O*O*R. Their attempts to keep up with the Jones' continues to drain their funds. As a result, their stress increases and their quality of life decreases. The P*O*O*R never seem to get off the hamster wheel. Hence the P*O*O*R stay P*O*O*R.

On the other hand, the Wealthy aren't focused on keeping up with others. They value time as the greatest asset. How they spend it could never be compared to the Jones'. It's in this valued time that opportunities arise; and the Wealthy take advantage of them and turning them into golden opportunities.

These golden opportunities are the successes that the Wealthy pay forward. It's not always money. In most cases, it's the most valuable asset they have - their time.

Yes, money pays for things. How you manage it and grow it plays a key part of your life. But you don't need a net worth the same as your neighbor or even Jeff Bezos to be living as wealthy as theirs.

Change your priorities. Start living a wealthy life.

DISCLAIMER: This content is for informational and educational purposes only.

01/26/2023

YOU STILL HAVE TIME!

Have you maxed out your 2022 Roth IRA yet?
No? Do it!
$6,000 is the max.
April 15, 2023 is the deadline.
50 years or older? Add another $1,000.

Your future self will appreciate it!
Remember:
ROTH - pay taxes now
Great for those in a lower tax bracket now.

TRADITIONAL - pay taxes later
Great if you think you will be in a lower tax bracket later on

**DISCLAIMER: this post is for educational and informational purposes only.

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🤷 "Why didn't I learn about these financial fundamentals when I was younger?'

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