Why Do We Have An Emergency Fund?

Growing up I was taught that I should have a credit card available to deal with any emergencies that may occur in life. The 2016 Federal Reserve study found that 46% of American did not have enough money to cover a $400 emergency expense. Somewhere in American history, we went from being a cash is king society to … Read more

Is Retiring at 65 Really the Goal?

When I was young I was sold the idea that 65 is the age when you retire and start collecting a pension and social security. If I work hard for 43-47 years, everything else would work itself out. I would get to spend my golden years enjoying the good life. Mrs. Broke Architect and I would be rolling … Read more