Save. Invest. Enjoy Life.

Let’s face it.  If you’re in your 20s or the early part of your 30s, hitting up Happy Hour or meeting at the bar on a weekend/weeknight is probably part of your lifestyle.  I know, I know…in a perfect world, we would regularly meet up to jog or ride our bicycles together, but for whatever reason, from Tuesday to Saturday most of the texts we receive are usually, “What’s up for tonight/tomorrow night/the weekend?” or “Hey, $2 beers today, meet me at 5:30?” or “A few of us are meeting at (random Midtown bar), you should come through!”

Don’t get me wrong, these little get-togethers are usually a lot of fun, but spending $45 (Houston)/ $55 (Dallas)/$65 (Chicago),  $105 (Shoutout to everybody in New York) on a random night of the week can really burn a hole in your pocket over time.

This post is a quick rundown of 3 tips I’ve been known to use to reduce my going-out costs, while still having a good time.

Crowded Bar


Most of us were raised by parents born in the 1950’s or 1960’s who were determined to bring up kind, well-adjusted children with high self-esteem.  While these goals were noble and admirable, the unintended consequence of this suburban-style, trophy-for-everyone, my-kid-is-talented-and-gifted has resulted in the creation of an entitled generation of workers with a warped sense of reality and often unreasonable expectations.  As a young professional myself, this post will take a look at a few things I’ve observed that may reshape how you think about work.

Stressed at computer


If you’re reading this post, then you’re probably thinking about buying a home.   I’m no mind reader, but let me guess what is racing through your head.  Interest rates are at historic lows and houses in your area are selling like crazy. You’re in your 20s or early 30s and all of your friends are closing on houses and you’re stuck renting for more than their mortgage. You’ve been checking out a few homes in a great neighborhood that you’d like to buy. Only one problem: You don’t have enough cash for a down payment…and then you think of all of that money sitting in your 401k…What should you do?

In this post I’ll examine the options you might be considering to fund your down payment, as well as the consequences of those actions.  Hopefully after reading this you’ll be able to make an informed decision on whether or not any of these strategies would benefit your situation.

New House


The stock market seems to set a new all-time high every day.  While this is great news for people that are already heavily invested, it can be intimidating for people who want to get started, but are scared of “buying at the peak.”  This post will take a look at the perils of trying to time the market and offer a few thoughts on beginning to invest in this environment.

Stock Market Party1