(Stephen met his wife Rachel at a house party hosted by his brother) Last time we talked about getting out of debt and saving for the future.  Now that you have a budget in place, you can start saving.  You…

(In college Stephen switched majors from Accounting to Computer Programming) The first thing you need to create a budget is information. Start by gathering a year of bank statements, credit card statements, ledgers, receipts or other transaction reports. You may…

(Stephen’s favorite board game is Hero Quest) In my previous post I talked about how living off the grid can help you escape the rat race. We also talked about the chains that tie us down. Some of the biggest…

(Stephen Shade got his bachelor’s degree from Northern Arizona University) To pursue the American dream is to join the Rat Race. At a young age, most of us are taught to go to college and get a good job, so…