I Feel Guilty Making Unnecessary Purchases

I have this character trait that is probably odd/weird/annoying to those that don’t actually write on their own personal finance blog; I feel literally guilty when I even think about the action of purchasing items I don’t need.  It is almost like buyer’s remorse prior to actually purchasing the item.  But it gets worse, I

How Much Will Your Expenses Be in Retirement?

There has been a trend in retirement planning that I don’t particularly understand, the trend is propagated by the main stream financial companies/publications that look for easy answers that are not so easy.  In retirement planning you don’t need 50%, 60%, 70%, 80%, 90% or 100% of your pre-retirement income.  During retirement you need the

My Family’s Cash Flow Chart

I was speaking with a buddy the other day and he was asking about how The Wife and I handle our cash flow.  Actually he was making fun of the complexity of it.  I figured I should prove him wrong and actually create a flow chart rather than explain it orally. The Wife and I