While so much of cutting your monthly bills is behavior based, getting a smart device like a Nest Thermostat can be an easy way to reduce your heating and cooling bill. Cutting your monthly bills…

Here’s Matt swimming in Upper Cathedral Lake at Yosemite! Personal experiences and travel are quickly gaining traction as the hip and ‘correct’ things to spend your money on. However even travel can be a waste…

Spring is here, so it’s time to clean out your home and sell the junk you no longer use! We all have too much stuff in our lives and not only does it take up…

While the path to retirement and financial independence isn’t complicated, it can be hard work. Be sure to maintain balance with an affordable vacation! The HTM family soaking it in at Rosemary Beach. Investing for…

What to do with your tax refund? Delicious craft beer! We spend this entire episode covering what you should do with your tax refund! First of all, you shouldn’t be receiving a big refund when…