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{ 65 comments } Ask the Readers: How to Balance Debt and Retirement Saving?

The following article is from Melanie, our staff writer. Melanie is in the beginning phase of her journey to Financial Freedom and she’ll offer a refreshing point of view for us. As Joe has mentioned, I’m at the beginning stage of my financial independence journey. The thing I love about writing for Retire By 40 is [...]

7 Compelling Reasons to Use Cash Instead of Credit

{ 58 comments } 7 Compelling Reasons to Use Cash Instead of Credit

It’s been a couple of years since I wrote about our use of cash allowances so I thought I’d go over it again now that we have a lot more readers. I agree that sometimes, credit cards are great. They are very convenient and provide many benefits such as purchase protection and cash/point rewards. If [...]

Just Say No to Debt

{ 48 comments } avoid debt say no to debt

My last post, Retirement advice for young folks, received a good response and I think I should expand more on it. We have more young readers now and I would love to share what I did right and wrong in my early years. We all made some financial mistakes and it’s best to learn from [...]

Student Loans

{ 11 comments } student loans

This is a guest post from my brother Nik. He is currently an emergency room physician. In our family we were always taught to avoid any debts.  I tried not to borrow anything that I knew I could not pay back (which I would do as soon as possible.)  I did not buy anything that [...]