How to Tell if You’re Frugal or Cheap

Expenses play an enormous role in designing a lifestyle of freedom; even a rock-solid plan can’t survive overspending. During good times, cost management is often an afterthought. It’s when the stable job disappears that people began taking note of their situation. By then, it’s more difficult to handle things on your terms. “Control expenses. Don’t become a slave to them.” Spend in ways that support…

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Is Being Debt Free Worth It?

The short answer is… YES! I say this now and I’ll continue saying this in the future.   “Freedom is a Choice”   A lifestyle of freedom hinges on the decisions that we make, which goes beyond the large matters. Similar to a game of football and how games are won “in the trenches” because of key roles performed outside of the spotlight. Our daily activities either push…

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The Art of Living a Simple Life

Have you ever felt like you should be living your best life ever, yet no matter what you do it never seems to be enough?  I surely have.   I grew up in an American culture where there seems to be no limit on the amount of negative feedback we’re exposed to everyday. For example, let’s take a peek at how our nation’s bureaucrats contribute to…

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How To Speak Conversational Spanish in 6 Weeks

Ever since I was a young child I dreamt of living in exotic places and speaking the many languages of the world. Secretly, I admired people who could learn multiple languages—they all looked so smart! When I enrolled in high school my advisor suggested that I pursue foreign language credits because college acceptance boards preferred them. To this day, I don’t know if she fed…

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Is American Healthcare a Poor Deal?

Rising costs are threatening access to healthcare for American citizens. According to a National Conference of State Legislatures report: “In 2018, the average annual premium for employer-based family coverage rose 5 percent to $19,616; for single coverage, premiums rose 3 percent to $6,896. Covered workers contributed 18 percent of the cost for single coverage and 29 percent of the cost for family coverage, on average,…

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