My wife and I just returned from a vacation at the beach, and it was a great chance to recharge. It was nice to step away from everything. In fact, I had planned to blog while we were away, but I couldn’t bring myself to get on my computer or iPad for any reason while we were relaxing.
Continue reading “March 2017 Month-End Check-In”
Someone close to me was recently taken to the emergency room with some pretty scary symptoms, and this person is someone who, except under the worst circumstances, would not voluntarily ask to be taken to the ER on a Sunday afternoon. I ended up spending most of the next couple days at the hospital with them, as they went through the usual tests to make sure that something terrible hadn’t happened, or that something worse wasn’t on the verge of happening.
Continue reading “What’s Your Territory?”
“Never depend on single income. Make investment to create a second source.”
This is a quote from billionaire Warren Buffett. Based on his ability to build wealth, I pay close attention to anything that he says on the matter. For several months, I have been brainstorming the best way to generate a second source of income. I’ve come up with a few ideas.
Continue reading “What’s Your Second Source?”
My wife and I have been stashing for about three months. We are having a baby in August, and we want to have lots of cash when the baby gets here. Other than my 401k, Any extra cash that we have each month is going into savings. Basically, after we have budgeted for the next month’s expenses in YNAB (yet another tool we will talk about, I’m sure), anything leftover goes straight into our “Family Coffer” category.
Continue reading “The Family Coffer”
We recently talked about the value of having an emergency fund, or some kind of fund that is set aside for unexpected expenses (or opportunities!). I wanted to take some time to talk about some of the techniques I’ve used to build cash-on-hand reserves.
Continue reading “Ways to Stash Cash”
Let’s think for a moment about some of the things that the average person is motivated by. I mean really motivated, at a basic instinctual level. Of course there is food and water or, sustenance. Then we have shelter and housing. There is also a drive to reproduce.
One motivation that I believe is ever-present, but often overlooked, is the drive for safety. Everything about our lives is permeated with the innate desire to minimize risk (except for you thrill-seekers!) and protect ourselves from harm.
Continue reading “Cash (On Hand) is King”
Welcome to Interest-Swing! My name is Ryan, and I created this page as a way to document my journey towards financial control, and eventually, financial freedom.
The idea for Interest-Swing was born after spending the last half of a decade studying personal finance ideas as they are presented from varied sources. I have digested strategies and theories from people like Dave Ramsey, Robert Kiyosaki, Warren Buffett, and other groups and personalities, and believe that the majority of this advice can be summarized in just a few key concepts, and even more directly, distilled into one theory. This theory is what I call Interest-Swing. Continue reading “A Mutual Journey of Shifted Momentum”