Posts by David Baughier

What is Efficient Market Hypothesis (EMH)? The efficient market hypothesis (EMH) is a theory in financial economics that states that the prices of assets, such as stocks, bonds, or commodities, reflect all the available information about their value. This means that investors cannot consistently beat the market by using any strategy, such as fundamental analysis,…

If you are looking for a simple, low-cost, and diversified investing strategy that can help you achieve financial independence, you may have heard of “VTSAX and Chill” or “VTSAX and Relax”. But what exactly is VTSAX and Chill, and why is it a good strategy for many investors? In this article, we will explain what…

If you are looking for a way to save your money and protect it from the inflation Americans are experiencing, you may want to consider learning how to buy I bonds. I bonds, or Ibonds, are a type of U.S. savings bond that offer tax advantages, low risk, and inflation protection. In this article, we…

Is Financial Independence Worth It? This is a question that resonates deeply with many individuals longing for a life of freedom and choice. The allure of breaking free from the shackles of a conventional 9 to 5 job and the promise of an unburdened lifestyle is tempting. However, the path leading to this coveted state…

Different Types of Financial Independence Retire Early (FIRE) offer a spectrum of choices to align your financial voyage with your lifestyle aspirations. Each type, from Lean FIRE’s minimalist ethos to Fat FIRE’s comfort-centric approach, presents unique strategies towards the common goal of financial freedom and early retirement. The journey is flexible, allowing you to choose…

If you are trying to achieve financial independence, you may be looking for ways to save money on your transportation costs. Transportation is one of the big three household expenses. One of the biggest expenses for car owners is gas, which can vary in price and quality depending on where you buy it and what…

Embark on a journey of financial enlightenment with our guide on financial literacy for young adults. Discover 20 essential money topics to navigate the financial maze of your twenties effortlessly. The dawn of adulthood heralds a realm filled with freedom, adventures, and often, the inaugural voyage into the financial wilderness. It’s a phase laden with…

Buying time is a phrase that beckons like a whisper to those weary from the daily grind of a 9-5 job. It’s for those who find themselves glancing at the clock, yearning for the freedom to live life away from the confining cubicles and endless deadlines. The age-old adage “time is money” echoes through the…

Financial success is a journey, not a mere destination. Along this path, many individuals encounter the subtle yet profound challenge of lifestyle inflation, colloquially known as “lifestyle creep.” It’s a phenomenon that can silently shift our spending habits, especially when we start earning more. The danger lies in the fact that as our pockets grow…

Every parent aspires to set the foundation for their child’s prosperous future, and the UTMA account often emerges as a potential cornerstone in this endeavor. We all dream of our children stepping into the world with confidence, equipped with the tools they need to achieve financial independence and pursue their passions. However, with the evolving…