22% of women aren’t involved in their own retirement planning. Can you believe that? (Source included below). While we’ve made leaps and bounds of progress in the recent decades to find more financial equality in the household, we still aren’t there, and this number illustrates a larger problem at hand. Women still don’t have…
Many of us have probably had that moment in our investing lives, where something piques our interest, and we wonder if maybe we should just take the risk and buy stock in a company we believe will do well in the future. 3rd Decade’s message is clear at this point: invest in low-cost index…
With the rising cost of housing, along with the increasing prevalence of remote work, it’s becoming more popular for young people (especially those without children) to consider downsizing their possessions and living on the road. Not only does it challenge the notion that we have to wake up in the same place every day and…
Have you heard of the phrase “poverty charges interest”? Tay Zonday posted a Tweet on Jul 19, 2018, that read: Being poor now just leads to being more poor later. Can’t pay to clean your teeth? Next year, pay for a root canal. Can’t pay for a new mattress? Next year, pay for back…
In the past year, one of the pandemic’s unexpected lessons was just how few of us really need to work from an office space. This has been doing interesting things to the real estate market, since places like Tucson have always been relatively inexpensive, and now the jobs that are available in states like California,…
Short answer: probably not. There are a lot of things to consider in making your decision, but there are a few especially important things to consider before making this decision. Am I already reaching my other financial goals? You should have a very solid idea at this point in the planning stage of…
A lot of people wonder how they’re doing (financially) relative to others. It’s an interesting question to ask, with a complex answer. For the sake of just sharing some interesting data, we’ve outlined the answer below, but it’s important to emphasize that you can’t compare apples to apples. Not everyone is dealt the same deck…
Why should I consider giving away some of my hard earned money? What would you give for a little dose of long lasting happiness? It turns out giving of ourselves produces a longer lasting high than food, drugs, sex, fame or fortune. A famous Chinese proverb says: “If you want happiness for an hour,…
We’re all familiar with the concept of Payday loans; high interest, nearly-criminal lending to those who’ve found themselves living a little more stretched than just “paycheck to paycheck”. I’ve heard stories where people make their required payments on time, for the designated number of months, thinking they’ve paid back their debt in full, only to…
We’ve all heard the phrase, “less is more”. But why is this? It turns out, there’s a psychological reason for it. Humans are wired in a way that, when presented with too many options, we actually can experience decision fatigue. Psychology Today talks more about this concept in this article. The Minimalists would describe…