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Doing the math on an EV vehicle. When does it make sense?

Advertisements Electric vehicles have a lot of advantages. They result in no gas stops, they have incredible torque making for a fun driving experience, and they are better for the environment. These factors may make buying an electric vehicle worth it, regardless of whether the financial equation pencils or not. Of course, as a CPA, …

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Challenging the goal of retiring with no mortgage

Advertisements How many times have you heard advice to pay of your mortgage by the time you retire? That having a paid off house is setting you up for success in retirement? The argument would be that when you retire, your income reduces substantially such that paying a mortgage payment each month could impact your …

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Why I use my credit card for everything!

Advertisements Let’s start with a clear statement on consumer spending. If you can’t pay off your credit card every month with income from your salary after you have already contributed to investments, you are spending too much. Spending too much means you will carry a consumer debt balance on your credit card which will be …

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