What if…

you’re a good saver but a reluctant investor? What if you’re more confident investing when the market’s up? If the market’s up, prices are up, right? Bob Swift likes to point out that the market is one thing people like to buy when it costs the most. When the market’s...

The wild cards

Gifts, vacations, pets, clothing, eating out…these are the wild cards, the spending categories that rely on our discipline to keep within budget. After all, most of our other expenses are fixed – rent/mortgage, utilities, car payment, etc. When I create a 12-month...

Are you normal?

Well, let’s see. The U.S. Bureau of Labor Statistics tracks consumer spending each year. We have numbers for 2017 – see how you stack up. On average, U.S. households spent an average of $60,060. Using the chart below, we offer the following percentages: Housing: 33%...

Tough Love

Some would say that’s what Dave Ramsey dispenses. He doesn’t hold back. “Credit cards? Stupid! Car payments? Stupid on steroids! Borrowing money on your house to put in granite countertops? SOMEBODY OUGHTA SMACK YOU! That’s just stupid!” Dave Ramsey has been ranting...

In the news…again!

Scripps Media, a national broadcasting company, recently came to Tucson to film one of our 3rd Decade™ classes. While here, they interviewed Bob Swift and several class participants. The spot, titled “Unique class pays young adults to learn money management,”...