Hello World

Bro here. Just wanted a place holder while I figure this whole internet thing out. We hope to get our first post out soon but in the mean time check out this sweet ASCII shrug.  ¯\_(ツ)_/¯

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FU vs FEveryone Money - Bro

The concept of FU* money is nothing new . The general idea is that you have enough money that you can tell someone (like a co-worker, boss, or bosses boss) FU and still be okay financially. Recently I stumbled across the concept of FEveryone money. FU money and FEveryone money might sound similar but the magnitude is different. FEveryone money is FU money taken to the next level. FU money is almost the same thing as an emergency fund. In a way it is an emergency fund on steroids. This money gives you room to speak your mind. If for some reason you need to quit your job FU money allows you to say “FU”. Eventually you will need to figure something out but you have the breathing room to figure things out. As your FU money grows the number of options you have grows. Starting out you might need to find a similar job a few months after saying FU. As your FU powers grow you might need to still get a similar job but a year or two after saying FU. Eventually your FU cushion might grow to the...
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IRA vs Roth IRA - Bro

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I recently had a reader question if a Roth IRA or a Traditional IRA is better. Of course the answer is (not) simple! All info contained in this blog post is to the best of my knowledge (and research). Please do your own homework before you make any money moves. Step 0 : What is a Roth or Traditional IRA ? Roth IRA: The money that you put in there is already taxed and is taken out without paying any more taxes*. EX: If you make 50,000 as a couple it would cost you $6,470 ($970 in taxes) to make the $5,500 contribution. When you get to retirement you will owe no taxes on what you take out.  Traditional IRA: The money that you put in there is before taxes and when it is taken out it is taxed. EX: You make your $5,500 before you pay any tax on it. When you withdraw the money you pay taxes on it as if it were normal income. In this case if you were to withdraw $5,500 after the age of 60 and your income was 50,000 as a couple you would pay 15% tax or $825. There is...
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Happiness: Pleasure, Engagement And Meaning - Sis

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Martin Seligman, a pioneer in the field of positive psychologist breaks happiness down to three areas, pleasure, engagement and meaning. Pleasure. What brings pleasure into your life? Searching for thing that bring you happiness is important. I find more pleasure in making a fort at home, popping some homemade popcorn and cuddling with a favorite blanket to watch a movie way more pleasurable than going to the theater. Convenience has gotten in the way of experiences. Taking a nice long bike ride in the spring sun brings us more happiness then another mindless TV show. Sometimes we have to force ourselves out of routine or convenience to find happiness. What gives you pleasure throughout the day? Engagement . I am a mother. Everyday I am engaged with my son, learning life through his eyes. Colors, shapes, sounds, they are all new and exciting. This brings me happiness. Being in the moment and engaged in his life are very important to me. This is one of the reasons it is impor...
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