Here are a few helpful tips on vehicle purchasing, tips buy a vehicle with bad credit, how to get a car or truck with no credit, money saving vehicle purchasing tips and tricks, tips about purchasing used, insider tips on vehicle dealerships and automobile businesses, tips buy a vehicle with money, and more!

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How to retire early – let’s break down the steps to early retirement.

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This video shows you how to retire early with shockingly simple math.

I’ve been a personal finance nerd for a while, and the idea of early retirement is really interesting. I’m a huge fan of Mr. Money Mustache who wrote a great article on the shockingly simple math behind early retirement. Since I make videos, I wanted to take his theories and break them down into a digestible video.

I hope you enjoy! And like I say in the video, please like and share this video, then leave a comment. What do you think? Is this amazing or crazy? What is your savings rate? What other personal finance questions do you have?

I credit a lot of this work/theory to Mr Money Mustache. Read his full article about it here ( Also, check out this cool early retirement calculator (


Hi, my name is Phil. I’m a video creator and online instructor. I’m also a personal finance nerd.

Because of that, I want to create a series of videos that breaks down some of the most mystifying topics that plague our society.

In a world where people’s finances are typically locked away and not-talked about, I believe opening up the gates of financial conversation will help everyone live a better and smarter life.

In this first video, I want to explain the shockingly simple math behind early retirement – thanks to one of my biggest heroes, Mr Money Mustache.

While the ability to retire may seem like a distant and unreachable goal for many, the premise comes down to one thing. You need to invest money so that it earns more money. This could be investing in stocks or bonds, real estate, or any other of investment vehicles. As soon as your investments earn enough money for you to live on each year, you are able to retire.

Let’s break it down further to know when you can retire.

The most important concept is knowing your savings rate, basically how much you make minus your expenses.

If you spend 100% of your income, you will never retire… because you will never be able to invest any money that earns money for retirement.

If you spend 0% of your income, you can retire right now… because somehow you are living without needing to make any more money.

Between 0% and 100% are a number of savings rates that correlate with the years it will take to retire.

For this, let’s assume your annual investment return is 5% (which is conservatively low) and your withdrawal rate is 4%… meaning you spend 4% of your net worth each year. For example, if you have a ,000,000 net worth, and you live on ,000.

If your savings rate is 10%, you will be able to safely retire after 51.4 years. Safely, meaning you will never run out of money.

If your savings rate is 25%, you can retire in 31.9 years.

50%, you can retire in 16.6 years.

And if you can somehow save 75% of your income, you can retire in 7.1 years.

Now getting to that savings rate might not be easy in our world of societal pressures, keeping up with the Joneses, and bad habits. But you can get closer by making smart decisions, avoiding debt, and living simply.

The key take away is…
Cutting your spending rate is way more powerful than increasing your income because no matter how much money you make, decreasing your spending will speed up the process.

A note, The math behind early retirement works if you are working a minimum wage job or a 7-figure CEO salary.
It’s all about the savings rate.

So if you want to retire in 10 years, the math tells us that you need to save 66% of your income.

Now there is a lot that I didn’t talk about – like how to invest, and how to cut expenses to get to a high savings rate. Those will come in a future video.

For now, get excited about the honest truth about retirement (and early retirement at that!)!

Let me know what you think in the comments below? Is this exciting or bogus?

Until next time… start being money smart.

Please subscribe to the channel and leave a comment below!

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Car Finance Made Simple Introduction

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If you’re looking for more simple, impartial info about car finance subscribe to our Car Finance Made Simple channel.

Welcome to Car Finance Made Simple, here we’ll be offering you honest and impartial information to help demystify the world of car finance in a simple and hopefully fun way! So check out our videos where we’ll be cutting through the jargon. 

We’re adding loads more great videos and content all the time, so subscribe to Car Finance Made Simple here!

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Simple tips to decrease your bank card interest rate

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A simple Help Guide To the Unsecured Charge Card

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unsecured credit card
by MoneyAware

an unsecured bank card is essentially exactly that a charge card that’s not guaranteed by any style of security. This short article provides a basic guide to those seeking to make an application for a charge card of the type, plus talking about just what elements people should take into account before applying.

charge cards will be in the media spotlight a huge amount over the past couple of years, as bad personal credit card debt is heavily linked to the existing worldwide financial meltdown. Charge cards, however, aren’t all bad, as soon as found in a suitable manner may have numerous utilizes and advantages.

Is generally considerably charge cards is they may be used to pay money for products or services all over the world. Just about any card holds either the MasterCard or Visa logo, so these cards can be used anywhere that takes this form of payment, including online and mail-order companies.

After receiving their new unsecured credit card the latest buyer may be assigned a credit limit. A credit restriction may be the maximum sum of money that the person can owe into the card issuer. This will probably differ from a few hundred bucks a number of thousands, and will also be from the customer’s credit rating and their capability to repay debt.

On a monthly basis the cardholder will get a merchant account declaration, either internet based or in paper type. This can detail current balance regarding the card, along with the minimum amount that needs to be paid off that month on or before a designated deadline.

The account holder are able to elect to either pay the total amount of completely, or make a partial payment. The limited repayment can be for quantity, as long as it really is over the minimal payment. Paying the total amount completely implies that no interest is recharged, therefore the balance associated with the card comes back to zero, ready to be applied again.

Not satisfying month-to-month deadlines can lead to extra prices for late repayments and missed payments, will negatively affect your credit rating, and will leave a black mark on your credit history. Carrying this out on a regular basis may even see you wind up in courtroom, so only apply for an unsecured charge card if you are confident in your ability to repay the debt.

If the buyer will pay a partial quantity they’ll be recharged interest on the remainder. The amount of interest charged is exercised by taking a look at the card’s APR (apr interesting) figure. This might differ greatly, from around 6per cent APR to above 40percent. The greater the figure, the greater amount of interest charged every month.

This is exactly why, searching for cards with lower rates of APR should really be a higher concern whenever choosing unsecured credit cards. Various other factors to consider are if the credit organization charges a yearly or monthly upkeep charge, and whether you can boost your credit rating through great financial behavior.

This will only be viewed as a fundamental help guide to unsecured charge cards, but will hopefully serve as a useful introduction as to the charge cards are typical about. When managed the proper way they may be able be acutely helpful economic tools to help united states within our each day everyday lives.

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