Meet Chris


Hello and thank you for taking time to read my personal finance and lifestyle blog.  I regularly get calls, texts, and emails from friends asking me similar questions on how to get a bargain or smart shopping tips.  I thought it was best to compile the questions into my blog and share them with everyone.

My name is Chris and live in the suburbs of Chicago.

I worked my way through college before and after waiting tables.  I paid off all my student debt during my junior year of college.  Then I saved enough money the following year for a down payment on a small house with some roommates.  I never wanted to pay rent to someone else.  Instead, I want to earn equity as a homeowner.

I’ve always been frugally savvy, such as opening up my own Vanguard IRA at age 19.   In the 90’s, I read how not drinking a coffee a day can save $5 per day and nearly $2,000 per year, I opened my IRA to start savings for my future.  Of course, there have been ups and downs in the stock market.

I use to think I was smarter than the market by try trading stocks, daily in some cases.  There are very few money managers who’ve outperformed the stock market.  Why do I think I am smarter than a professional?   I don’t try to time it anymore but now dollar cost average.  I have purchased index shares at the top and bottom.  Take the emotion out of investing and setup automatic withdrawal.

It’s funny, some years I wonder where all our disposable income went?  Then I remember that my wife and I max out each of our retirement plans.

I look forward to sharing my tips and tricks on how to be frugal without being cheap.  I know, there’s a fine line.  My friends are probably being kind when they say I’m frugal and smart, and not being cheap.

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