Personal Capital

Personal Capital is the smart way to track and manage your financial life. We combine award-winning financial tools that provide unprecedented transparency into your finances with personal attention from registered financial planners. The result is a complete transformation in the way you understand, manage and grow your net worth.


Our story starts in 2004, a period in ancient times before the launch of Youtube.  This is the year I graduated from law school and started what would be my job for the next seven years (in engineering, not law).  My starting salary at a small engineering consulting firm was $48,000.  The salary negotiation was bizarre. […]

Retirement Choices

How you retire is entirely up to you. No one cares more about your money than you do. Just as with everything in life, you have retirement choices. You can choose to retire comfortably or you can opt for one of three other choices. Let’s look at each choice: Choice 1: The Terrifying Retirement – […]

Retirement mistakes

In order for you to have a successful retirement, you need to avoid making the following mistakes: Emotion. Do not make your financial decisions based on how you feel. Feelings are great for expressing emotion, but are a disaster in financial planning. Giving into fear or conversely, greed will destroy your retirement fund. When you are investing […]

Free stock trading

This is a quick post. I just wanted you to be aware of two brokerage firms that offer free stock trading: Robinhood offers free trades Loyal3 offers free trades Using these firms to invest in the stock market is a great way to save money. I have not invested with these firms nor am I affiliated […]

Get $150

In order to get $150, go to Motif Investing and open an account with them. According to their web site: Invest in a wealth of ideas Now you can invest in the trends, issues, and values that matter to you—from clean technology and connected cars, to the fight against cancer. Step up to a new […]

You’re never too old

You’re never too old to save. Today, I read an article about a woman who at the age 50 realized she needed to make a change. At that point in her life, she had $20,000 in medical bills and an additional $20,000 in credit card debt. She had zero in savings and retirement. Initially, she […]


4 Things You Can Do to Make Sound Financial Decisions in Financially Lean Times

Many people have saving and investing problems. They are looking for simple solutions to saving and investing. While many people are fantastic spenders and they are not great investors. Why is it that we don’t seem to be able to save more and spend less? The reason is that we lack an understanding. We know we need to save. Start with a $1,000 in an Emergency Fund.