Our Financial Path.

Start Saving, Investing and Reach Financial Freedom.

Month: February 2016

Is the Market Overvalued?

In recent years, the market has seen great growth and some may ask themselves if it is overvalued. Has it gone too high? Is the next stock market crash coming? P/E ratios are higher than average and valuations seem to be in bubble territory, or are they?


The P/E ratio is the Price of a stock versus its Earnings. What a company earns is compared to the current price of its stock, the lower the P/E, the cheaper the stock is.


How Should You Invest?

After researching the subject and my own little trial and error, I came to the conclusion that index fund investing might be my best path to financial freedom. I started investing in the stock markets playing individual stocks (note here the word playing) back in 2013. I had a very good year and made a 30% return but I do not think I would have been so luck year after year.

How to Become Debt-Free?


For the average american, debt is normal, debt is good; debt is a way of life.


That is not the way of life I desire and I chose to not live with any outstanding debt except for my mortgage. If you are currently trying to get out of debt and have student debt, unpaid credit cards, or outstanding loans; you are at the right place to take the step towards a better future.

This is Perfect!

As someone who invests more than half its income, I know how stressful it can be to invest in a falling market. When the markets are falling it is counter-intuitive but the best thing to do might just be to invest more and ride the fall.

We see it times after times when the markets tank. The media starts yelling on every rooftop: SELL sell sell!

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