A No-Brainer Way to Lower Your Bills – For Free!

lower my bills

One of my favorite blog series to follow along with is J Money's "Challenge Everything" series over at Budgets are Sexy. In case you don't know this one, basically what J does is take a different bill every month and tries to get it lowered. Or another thing he'll try is to look for some other side hustle to make a little extra money on the side. Collectively this ends up going into a special fund that he can do whatever he wants with when it's all done. So far he's done quite well with himself. At last count he was over $4,000 bucks!   Lower Your Bills With a Little … [Read more...]

Niche Website Income Report 30 – $983 for May 2015 – The HOTH Platinum Package


Hello and welcome to yet another edition of our Niche Website Income Report! Every month I publish these reports to let you, the readers, know what’s going on with this passive income effort as well as help keep myself accountable.  This forces me to really task myself with trying to find new and creative ways to grow my online empire. Ultimately our goal is to build up as many passive income streams as possible from these websites while only investing a minimal amount of time and resources (therefore getting the best return-on-investment we can earn). I can’t believe we’re already at … [Read more...]

A Better Alternative to Working Too Much

employee working too much

Ambition can be a good thing. That is … until it drives you INSANE because all you do is work – all of the time! All too often we make the mistake in our careers by having the notion that taking on more and more projects will convert proportionally to more income. But then we’re disappointed when all that happens is we end up working way too much and the whole thing just blows up in our face. Believe it or not, there’s a theory in economics that can help explain why this is an effort in vain.  But as you’ll find out, where one door closes, another one can open. Let’s take a dive … [Read more...]

What Would You Do with $100,000 if You Waited One More Year to Retire?

What Would You Do with $100,000

One of the fun things to think about when it comes to investing is what happens when your assets reach critical mass – the point at which your money is self-sustaining.  Generally that’s when your compounded returns are so large that they could support you if you were to suddenly stop working. Most of the time the goal for retirement is to reach this point and have our finances start to take care of us.  BUT … for fun, let’s consider what would happen if we didn’t. Let’s suppose you had accumulated $1 million dollars by the time you had intended to retire.   But being financially savvy, … [Read more...]

My eBook Publishing Update – May 2015

ebook on iPad

I was really hoping that for my first eBook publishing report I would have some kind of wonderful news to share with you. Something great like I had made well over $1,000 in my first month or that my book has been downloaded over 10,000 times. Well … … unfortunately that’s not how it’s gone at all. As you may already know, last month I released my first eBook. Though I’m very proud of what I’ve created, I will say that in all honesty this new venture is proving to be more challenging then I originally thought! But that’s how these things go.  Developing a true passive income … [Read more...]

How a Backdoor Roth IRA Conversion Could Help Your Early Retirement Strategy

convert money

In the past I’ve talked before about how a 72t is a key part of my early retirement strategy. In case you’re not aware of what that is, a 72t is a special exception in the IRS rules that allows you to take money out from your 401k or IRA before age 59-1/2 and without facing that stiff 10% penalty (we’ve got a whole post about it here).  For anyone looking to retire early, that’s a massive win! While that’s all fine and good, one of the things I like to make sure of when it comes to my money strategy is to always be searching for something better. Maybe an option with less rules or … [Read more...]

Niche Website Income Report 29 – $1,121 for April 2015

niche website

Welcome to the April 2015 edition of my niche website update and income report. Every month I like to share with my readers what’s been going on with one of my biggest passive income building activities – being the owner of several niche sites that I created and maintained.  Each of these websites has their own particular monetization strategy that I’m constantly trying to foster and develop.  The goal of course is cultivate them into streams of regular income that I can use to supplement my savings efforts each month. To be honest a lot of my time in April was spent on a different … [Read more...]

14 Week Cancer Update and My Thoughts on Dying


I just wanted to give everyone another quick update on my fight with cancer.  Things have been going fairly well so far, although I’m starting to feel more of the cumulative effects of chemo.  This past week was somewhat of a milestone for me – I’m officially halfway through my treatments!  Within the next few weeks I’m scheduled for a PET scan where they will be able to tell just how much my tumor has shrunk.  Our fingers are crossed for some good news! Aside from the actual treatments themselves, I can tell you this – in the days of post-recovery after chemo, you get a lot of time to … [Read more...]