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Looking Youthful on a Budget - Lazy Man and Money
I’m in the first year of several, being age 49. Yep, I’m going to delay that 50 as long as possible. I thought this might not be the audience for this type of article, but I got a recent comment that convinced me otherwise: Also, why not write about skin cream? Last July, I wrote […]
When Will You Become a 401 (k) Millionaire? - Lazy Man and Money
I was playing around with Excel last week (yes, I know, I make my own weird fun*) and I came up with something that I think is very cool and unique. I was curious when I’d become a retirement account millionaire. Typically, the media refers to them as 401k millionaires, but I’ve been self-employed for […]
My Passive Income and Life Goals Update (May 2025) - Lazy Man and Money
Welcome to another monthly review of Lazy Man and Money. We’re into the second trimester of the year and almost halfway through. Personal Update May was, as they say, “A Month.” I feel like I aged 3 years in a single month. My wife was on work travel for the first ten days of the […]
My Passive Income and Life Goals Update (June 2025) - Lazy Man and Money
I hope everyone had a good 4th of July. That’s when I started writing this post, but it seems like a month ago now. I didn’t realize that we had to register for the main area to see the town’s fireworks, so we watched from the military base instead. I prefer watching from there as […]
What if America's Wealth was Spread Evenly? - Lazy Man and Money
That’s exactly the question that GoBankingRates asked recently. I’m disappointed that I hadn’t come up with that simple question before. I’m used to reading crazy statistics like 95% of America’s wealth is controlled by 5% of the people. (Note: That’s just an example, not a real mathematically-based statistic.) In this case, GoBankingRates analyzed the numbers, […]
I'm Diversifying Away From US Government Bonds - Lazy Man and Money
That isn’t a title that I thought I’d ever write. US Government Bonds are considered the gold standard (pun intended) of safe investments. America hasn’t defaulted on paying what it owes ever. However, I’m starting to get concerned that, like all good things, this, too, may come to an end. There are three things that […]
This Monkey Business is Bananas! - Lazy Man and Money
Sometimes, I feel like I’m the only person who doesn’t watch YouTube. I only use it to learn how to fix something or keep the dogs I board entertained while I am out. I don’t watch much television in general, but I like scripted programming when I do. My kids are the opposite. They’d prefer […]
Happy Earth Day (10 Year Solar Update!) - Lazy Man and Money
Wow, this Earth Day snuck up on me. You’d think that after writing about it for 16 years now, I wouldn’t be caught writing an article at the last minute. Is it okay to write about Earth Day nowadays? I feel like half the country would label an article like this as “woke” and say […]
An Iconic Vacation Fit for a Royal? - Lazy Man and Money
You may have noticed that I haven’t been writing as much until the last week. We went away on vacation, and I didn’t have any articles queued up. This week, the market volatility with the tariff news has effectively turned me into a day trader. I’m also trying to renovate a condo and catch up […]
My Passive Income and Life Goals Update (March 2025) - Lazy Man and Money
It’s weird to publish March’s report when April is more than half over, but here we are. That shows you how far behind I am. When we finished March, the first quarter of the year was over. By the time you are reading this, you have to be around 30% of the way to achieving […]
My Passive Income and Life Goals Update (April 2025) - Lazy Man and Money
Welcome to another monthly review of Lazy Man and Money. We’re a third of the way through the year. These multiples of 12 make it easy to estimate your progress. The next major one is July 4th, which is about half-way through the year. It’ll be here before you can blink, right? Personal Update April […]
Can We Bring Manufacturing Back to the USA? - Lazy Man and Money
Lately, I have found myself in an uncomfortable place when it comes to writing. I’m closing in on 3,000 articles over almost 20 years—there aren’t a lot of new areas of personal finance for me to cover. I get a lot of my inspiration from the news because that’s always evolving. However, when it comes […]
Are You (Money) Smarter than a Fifth Grader? - Lazy Man and Money
If you are a Lazy Man and Money reader, the answer to that question should be yes. However, if you are the average American, I’ve got bad news for you. The Financial Industry Regulatory Authority (FINRA) created a seven-question Financial Knowledge Quiz. Go ahead and click that link and take it. It will only take […]
The Markets Survived the First Wave... What's Next? - Lazy Man and Money
Who remembers early April when the markets seemed like they were going to collapse due to Trump’s tariffs? If you have looked at the markets recently, you may have noticed that they are mostly back. Some indexes are just a few percentage points from their all-time highs. Others, like international indexes, are at their all-time […]
My Passive Income and Life Goals Update (February 2025) - Lazy Man and Money
Welcome to another edition of “Is Lazy Man doing anything?” On the last edition (one month ago), I created a whole bunch of financial and life goals. I also gave a report on my progress for the first month. Expert Tip: It’s great to make your goals after you’ve had a month to work on […]
Is This Why Warren Buffett is Hoarding Cash? - Lazy Man and Money
A lot of people follow Warren Buffett’s investing moves. Why not? He’s the best investor in history. If you disagree, come at me in the comments. I don’t follow Buffett’s moves too much for a few reasons: He has research on companies he invests in that you and I don’t. I’ll admit that I don’t […]
My Tariff Playbook - Lazy Man and Money
I had hoped to write about happier topics, such as our vacation over the last couple of weeks or an update on our finances for March. I’ll leave those for next week, as the headlines everywhere are Trump’s tariffs. Please excuse me if this article is a little more rough-around-the-edges as I’m writing and publishing […]
It's All Going to be Fine. I think? - Lazy Man and Money
I’m on vacation this week and next, so look for more articles in early April. This article is the product of a few ideas that have been floating through my head lately. So far, we’ve been away for five days, and the dog sitter hasn’t lost our dog. That’s much better than the one we […]
SEC Bans Mutual Funds and ETFs for DEI Violations - Lazy Man and Money
SEC Announces Ban on Most Mutual Funds and ETFs based on DEI In a stunning financial policy shift, the U.S. Securities and Exchange Commission has announced that mutual funds and Exchange-Traded Funds (ETFs) will be phased out nationwide by the end of the year for violating the government’s new anti-DEI guidelines. I reached out to […]
Can My Wife Retire? (2025 Edition) - Lazy Man and Money
It’s been a few years since I’ve addressed this question. Back in 2021, my wife was passed over for military promotion for around the 7th time. This is actually normal, as you have to put in the years to climb the ladder. Nonetheless, it was demoralizing. It felt like it was time to give up […]
My Passive Income and Life Goals for 2025 - Lazy Man and Money
Every month, I write an article showing my passive income and life goal growth. Since this if the first article of the year, it’s my first change to state those goals while giving my progress for January. January was a difficult month in the Lazy Man household. If you’ve caught the news over the last […]
Work One Hour a Day and Make 1.3M with this "Side Hustle?" - Lazy Man and Money
Did I catch your attention with that title? It sounds pretty good, right? It makes you think, “Well, what’s the catch?” What exactly do I have to DO at this job? That’s what I thought when I clicked on this title from CNBC’s Make It: 59-year-old’s side hustle brings in $1.3 million a year—he only […]
Setting Health Goals for 2025 - Lazy Man and Money
I usually create my health goals as a subset of my overall goals. This year, my health goals deserve this separate post. Health becomes more important when you are nearly 50 years old. Last year, I accomplished my goal of losing 20 pounds and 3% body fat. I lost around thirteen through traditional diet and […]
Three Strikes and I'm Out - Lazy Man and Money
[In the most unbelievable of circumstances, my dog actually published this article one sentence into it. Her ear hit the “Publish” button on my touch screen. So if you got some kind of alert of this article with one sentence, I’m sorry about that.] I don’t know if you saw the news, but we’ve got […]
Dog Sitter Lost Our Dog for 72 Hours. How We Got Her Back. - Lazy Man and Money
I hope everyone is doing well this New Year. I’ve got lots to write about, but resolutions can wait a week or two. Maybe that will be the perfect time for a reminder. A lot of people have been polite over the holidays, asking how my Christmas was. It’s very standard small talk. Christmas was […]
Lazy Man's 2024 Goals and Resolutions (Final Results!) - Lazy Man and Money
How are your New Year’s resolutions going? I haven’t made mine yet. It usually takes me a month to set them up. Before getting to those new ones, I need to close out 2024 with a review of the old ones. Usually, I do a monthly update, but I will focus more on the annual […]
How to Get Cheap Generic GLP-1s (Ozempic, Wegovy, Zepbound) - Lazy Man and Money
Is it too late to welcome in the new year? At the beginning of January, 87% of people resolve to get healthier.* Most of them are looking to lose weight. I was one of those people last year. I reached a high of 197 pounds shortly after Thanksgiving. At 5 feet, 8 inches, that’s a […]
A 14 year Old's Views on Personal Finance - Lazy Man and Money
Taking us into the holiday is regular writer Kosmo. I thought about putting this article on sister-site Kid Wealth. However, that website doesn’t make money, so I can’t justify paying Kosmo for articles there. As you’ll find out this is important. In another programming note, this article is likely to be the last one of […]
14 Year-End Money Moves That Could Save You Thousands - Lazy Man and Money
There’s barely more than a week left until Christmas, so it’s time to focus on three things: The annual debate of whether Die Hard is really a Christmas movie (it is) Finishing up your shopping and wrapping of presents Making those year-end, tax-saving, financial moves I solved #1 for you and can’t help you with […]
My Passive Income and Goals (November 2024) - Lazy Man and Money
Welcome to another update of my passive income and goals for 2024. We’re at the home stretch now and with the holidays, I won’t realistically make much progress before the end of the year. This year, I simplified the two monthly articles that I’ve done for years – passive income and goals/resolutions. I’ve combined them […]
Are Conferences Worth the Cost? - Lazy Man and Money
The following article is from frequent contributor Kosmo. I recently went to a conference in New Orleans. It was hosted by one of the leading sales tax software companies. A bunch of techies and accountants, all in one place. New Orleans is an interesting place, and I’d recommend it to anyone. I arrived in the […]
The Cost to Grow Hair (Dec 2024 Update) - Lazy Man and Money
The Cost of Growing Hair (Dec 2024 Update) Today, I’m going to give a 5-month update on my attempt to grow hair. However, before I do, I want to call your attention to my previous post about the Amazon Scribe. For those who didn’t read my review, it has changed my entire organizational habits for […]
A Game Changing Purchase: The Kindle Scribe - Lazy Man and Money
It’s been quite a long time since I bought something worth sharing as a game-changer. I can’t remember the last one, but here are two notable ones off the top of my head: Back in 2010, I recommended SodaStream as the Product of the Year. I still believe that SodaStream should get media attention, especially […]
A "Guaranteed" 7% Bond until 2026? - Lazy Man and Money
The Federal Reserve has started to lower interest rates. In the last couple of months, they dropped the rate by 0.75%. That directly impacts how much interest banks can pay you in interest. For a couple of years, I’ve been making around 5% in my Ally Savings account. Now, it’s paying around 4%. Experts predict […]
Who Wants $50 in Bitcoin? - Lazy Man and Money
Quite a few people I know are taking a break from the news lately. I’m a fan of “to each their own” as long as it doesn’t hurt anyone else. If something isn’t working for you, it’s usually a good idea to take a break from it. If you haven’t been following the news, it’s […]
Rebalance Your Portfolio - Lazy Man and Money
One of the core philosophies behind Lazy Man and Money is that you can manage your money without a lot of work. Typically, you set up a system once, such as contributing to a 401k plan, and then review it once or twice a year. Combining a good income and a few good systems is […]
Are Fast Food Restaurants Dead? - Lazy Man and Money
The following article is from regular contributor Kosmo. Yes, we’re finally moving on from the election! It’s been difficult to miss the price increases that have hit fast-food restaurants. There was a viral post showing an $18 Big Mac combo. This wasn’t a very representative McDonald’s—it was at a rest stop in Connecticut. Restaurants in […]
My Passive Income and Goals (September 2024) - Lazy Man and Money
This year, I simplified the two monthly articles that I’ve done for years – passive income and goals/resolutions. I’ve combined them and added some personal details. Personal Monthly Recap The biggest event of September was the kids getting back to school. Now, both kids are in middle school. As you’ll find out, this was one […]
Final Thoughts on the Election - Lazy Man and Money
Final Thoughts on the Election People vote for many different reasons. One of the biggest issues is the economy. I’ve covered the economy a lot over the last few weeks. We found that America’s economy is good, perhaps even the best in the world. America is making more energy than any other country in the […]