myHealthSciences Gift Ideas for 2019

With the holidays around the corner, I thought I’d come up with a list of my favorite gift ideas that’ll help make you happier and healthier. Each idea is intended to help optimize your fitness, nutrition, sleep, cognitive health, or financial independence. I also focused on products or services that’ll have lasting benefits and aren’t the typical use once, and throw in the closet gifts. I hope you find benefit in these ideas and I’m excited to know which one’s are your favorite! Let’s get to it… Read More

Step 8: Setup Your Rich Life

In my journey to financial independence, I found Step 7: Strive to be Debt-Free was the hardest for me. With tens of thousands of dollars owed in student loans, it took me a long time and a lot of stress before I became debt free. But, once I finally completed that step, I was ready to stop throwing my money at loans, and to start throwing it at investments. This became and still is very exciting for me. With loans, I didn’t have many better financial options other than paying down the loans. Now that I had become debt free, I could do anything that I wanted with my money… Read More

Step 7: Strive to be Debt-Free

I use to be in debt by over $100,000 which was mostly due to student loans (undergrad and graduate school). Back when I had that much debt, it was daunting and depressing. I was 22, owed $100,000 and only made about half that amount in salary. I knew I not only wasn’t going to have any money for the next 5+ years, but I also knew I was extremely limited. I wouldn’t be able to take advantage of any great opportunities that may arise. This burden even caused me to talk to my doctor about the mental toll it was taking on me. Fast forward 6 years and I’m debt free. All of my financial stress is gone. And I feel a sense of security and opportunity that I’ve never felt before.… Read More

Step 6: Max Out Your 401k

We’ve come to what may be the hardest step of all. But, it can also be the most rewarding. Maxing out your 401k. You’ll want to make sure your personal finances are in order before you start this step. That means making sure you’ve followed my first five steps to financial freedom closely. Now, let’s get on to creating a multi-million dollar retirement fund… Read More

Step 5: Max Out Your HSA

What most people don’t know, is that a HSA can be an incredibly powerful investment vehicle. If you’ve completed the following steps, and have a HSA account, this post details why and how you should maximize and grow your HSA. Step 1: Building a Proper Emergency Fund. Step 2: Get Your Employer Match (401k). Step 3: Pay Off High Interest Rate Debt Fast. Step 4: Max Out Your Roth IRA… Read More

Vacationing Done Right

Have you ever gotten back from vacation and felt exhausted? Like you need a vacation from your vacation. Have you ever gotten back from vacation and been in shock by your trip’s costs? Like you didn’t realize eating out for every meal and paying for every amenity wouldn’t add up. Have you ever gotten back from vacation and lost track of all your goals? Like your vacation ended your diet and workout plan that you were doing so well at.

Well, vacations don’t have to be like that. I just got back from my first vacation this year, and with some thoughtful planning and great support, I can say I vacationed right. I feel refreshed and excited to get back to work. I spent what I had budgeted so I have no stress and am ready to start saving for the next. I maintained my nutrition and fitness goals. And, I’m super happy with the experience.

In this post, I’ll detail the things I did that made my vacation successful.… Read More

Step 4: Max Out Your Roth IRA

If you’re on step 4, you’re doing pretty well. You’ve built a proper emergency fund, are receiving an employer match, and have paid off all your high interest rate debt. Now, you’re ready to start investing in your future. It’s time to open a Roth IRA and max it out. This will provide you with additional emergency funds if you need it, but more importantly, a retirement that’ll make you feel more than comfortable… Read More

Step 3: Pay Off High Interest Rate Debt Fast

You’ve already built a proper emergency fund and are taking advantage of your employer’s match if they offer one. Now what? Well, if you want to make any further progress with your financial life then you’ll need to rid yourself of any high interest rate debt. There’s no point in investing any further money to make a 7% return when your credit cards are costing you 16% or your student loans are at 9%… Read More

Step 2: Get Your Employer Match (401k)

If you’ve completed step 1 in your financial journey of building a proper emergency fund, you’re ready for step 2. This step involves finding out if your company has a 401k, 403b (non-profit), or 457 (government) retirement account. If they do offer one of these retirement accounts, the next step is understanding if they have an employer match… Read More