Blog Posts

Let’s Go Exploring! Searching for Hamburgers in Hamburg

“Bring me your finest hamburger, my good sir!” Sitting in a Hamburg restaurant, we thought we’d order one of their specialties for lunch. But our waiter gave us a blank stare. “Ahh…” he stammers. “We don’t have…hamburgers.” Now it’s my turn to give a blank stare. “This IS Hamburg right?” “Yes.” “So, aren’t you famous for hamburgers?” His eyebrow is raised so high, I’m afraid it’s going to pop off his head. “No. That is American food. This is a German restaurant. American food is from America.” So, apparently, going to Hamburg to eat a hamburger isn’t a thing. The […]

How to Respond to Trolls

“Why are you still travelling? Isn’t it boring by now?” “Ditch your portfolio and become a real-estate investor like me! I own 3 condos and I’m buying another one.” “You’re missing out on all the housing gains! Everyone knows houses go up forever!” “Just wait until you have kids! You’ll never travel again and you’ll HAVE to buy a house.” “Why aren’t you having kids? Do you really want to be barren for the rest of your life?” Believe it or not, these are actual questions/comments my “friends” have asked me, over the years, whenever we return home to visit […]

Reader Case: Home Owner Can’t Stop Spending

Hey all! It’s Friday, and you know what that means: Reader Case time! But before we begin, if you’re going to write into us asking us to analyze your finances, please follow the guidelines here. It’s to ensure that when we get to your reader case, we have enough information to actually come up with a meaningful response. As much as we’d like to help everyone, the days where we had the time to correspond back-and-forth with people asking for missing information is long gone. If we get to your case and see any information missing, your reader case will not […]

Why You Shouldn’t Buy Target Date Funds

For some reason lately I’ve been getting a bunch of emails asking me what I think of a particular Target Date Fund, so I thought this would make a good article. But before we get into what I think of these things (hint: It’s in the title of this article), let’s first talk about what these things are. What is a Target Date Fund? Target Date funds are also known as Lifecycle Funds, Age-based Funds, or Dynamic Risk Funds. That last one sounds makes it sound pretty cool, but basically what Target Date funds do is adjust your asset allocation […]

Let’s Go Exploring! Bremen, Germany: Saunas, Secret Rooms, and Schnoor Quarter

  In the U.S and Canada, unless you’re trading sex for money, there’s no need to get naked in public. But in Germany, nudity doesn’t automatically illicit eroticism—it depends on the context. And in a sauna, it’s just practical. We were told that bathing suits are not allowed—for health reasons, believe it or not—so if you want to experience a German sauna, you’ll have to bare it all. Don’t worry though, despite being naked, you won’t be stared at or creeped out. Nor do you have to worry about having body issues. You’ll be around strangers of all different shapes, […]

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