Why Do I Care?
Well, my website, retiringby45.com talks a lot about how money works and how people can set themselves up to retire before being too old to enjoy it. What I’ve realized is that so many people are struggling to live day to day and don’ have access to practical tools, ideas, and experience to put them in a position to even start thinking about saving for retirement.
I believe that as people work their way into a better financial position, good things happen. Stress levels come down, enjoyment of life goes up, and people are enabled to do more of the things they want to do. I’ve spent two decades around people in businesses big and small doing things they have to do to get by. Life should, no, needs to be about more than just getting by! And, whether right or wrong, money enables people to have a choice.
various money concepts puts you on a path to a better financial life. If you don’t understand money, you won’t be able to make and use it in ways that benefit you beyond right now. As you learn more, you’ll see how it becomes realistic to have a different life even if you don’t make millions. Oh, and by no means am I saying you can’t make millions. You’ll just be better equipped to hang onto those millions if you visit this site on a regular basis.
Change Takes Time
I have been online writing blogs and creating websites for over five years now. While I’m not a financial advisor or an accountant, I happen to love numbers. I also have a Psychology background which comes in handy. People make the world go ’round and the money follows. As I talk about various money concepts, I communicate them in a way that makes WAY more sense to people! Other sites make the mistake of getting too far into the weeds before relating basic and foundational concepts to people. It’s kind of like having a conversation in a different language before you even know how to say hi.
We’ll start there. And what you’ll find in the Unmuddling Money series is a small step in the right direction. I take complicated money concepts and explain them using everyday things like eating, beer, and exercising to explain how the concepts work. These fun analogies help to make understanding money and potentially complicated topics much easier. From there, you can start to use the concepts in your life. Maybe that leads to saving an extra few hundred dollars a year or maybe it leads you to investing your money differently.
The point is, it gives you more information and more of an understanding so you can be proactive on how you think about, and manage, money. Things won’t necessarily click overnight. Your financial situation also won’t necessarily change overnight. What can happen though is that you build more of a knowledge base and confidence around money. From there, good things can happen!
you will find a handful of posts for both the Unmuddling Money (E) Rated versions of topics in addition to the Unmuddling Money (R) Rated version of topics. I typically will take a money concept, say Debt, and I will write an (E) Rated version as well as an (R) Rated version of the topic. So, what’s the difference you ask?
(E) Rated is really for anyone that has an interest in learning about these money concepts. I may relate a topic to bagels or putting gas in a car. The topics are covered in a lighthearted and all audience appropriate way. Now, the (R) Rated versions on the other hand are designed for a more mature audience that has a sense of humor. You’ll find that I ask you to verify your age as you click through to the (R) Rated posts just to be sure you are validating you’re old enough (mature enough and have a sense of humor) prior to reading the content.
By designing two different versions, I’m optimistic that more people can connect with the content and LEARN about these money concepts. Because if you don’t understand the concept, there is no way that you can use it for your advantage!
there are thousands of ways to make money. While some of the other areas of my site talk more about how to make more money, I truly believe it is critical that people understand some basic money concepts as they work on making more money. Without the understanding of money and how it works, it is way more difficult to keep more of what you earn. It’s also way more difficult to get to financial freedom or to be in a position to retire early if you don’t understand some basic money concepts.
One more thing I should call out. I do drop in some affiliate links from time to time. My wife and I are frugal. We think and research quite a bit before we go buy something. When I see and/or use something that I think adds value, I’ll call it out for you to take a look at. If you like what you see and you think it helps, great! If not, skip over it and just keep reading. With that said, let’s jump into simplifying some of these complicated money concepts with the Unmuddling Money posts!