Posts by Zachary Smith

I love taxes, and by that I mean I love legally avoiding paying them. I have come up with a scenario of a hypothetical single tax filer with no kids that only have one income from their job, and they...

The Big 3 Unfortunately, there are a lot of expenses in life. Reducing and optimizing these expenses are an essential step to becoming a master of your cash flow. There are tons of ways to reduce...

The purpose of an emergency fund Having money saved for an emergency is arguably the most important thing to save for above all others. An emergency provides a cushion of money when unexpected...

Gambling We might as well get gambling out of the way first because a common misconception about investing is that it is synonymous with gambling. Gambling is pure speculation when you gamble, you...

For most of us... Tax time can be either a stressful event (Wondering if we are going to owe money to the IRS) or a wonderful time that comes with a big annual paycheck! (Large refund) The good...

Saving money can seem so hard with all the commitments, liabilities, and challenges of life. You may have asked yourself “what should I be saving for?”  because it is important to know the...