Offering info and opinions on all things financial and money related; online and from an “average Joe”. I live in the great northeastern United States, with my wife and two kids. We live on a single income, so money is often tight but we still manage to make ends meet with enough left over for savings, retirement and little fun now and then. How do we do it? Stay tuned and peruse the archives to read how. Everything I write about is real and from the heart. I write about the principals and concepts that we use every day, in the hopes of helping others improve their wealth and wellbeing.