• Start fattening your purse
  • Control Expenditures
  • Make your gold multiply
  • Guard your treasure from loss
  • Make your house a profitable investment
  • Insure a future income
  • Increase your ability to earn

Paraphrased from the book – The Richest Man in Babylon


January 02, 2018

For those of us whose retirement income could use a boost, there is a time to make up some ground. The “Empty Nest” phenomenon often opens up a span of years where the house is paid for, the kids education is paid for, and both spouses are still working.  This offers a time when a percentage of one persons income can be used to invest and grow for the immediate future.

A source of ongoing long term capital gain cash flow can be created over 5 years using the Blue Tide strategy. As little as $36,000 can provide a nice boost to retirement income.

Once a stock portfolio has been established stocks can be added using returned principal when profit is harvested. This makes the cash flow ongoing and a long term capital gain.

By holding profit in shares of stock and returning the principal to be invested again, a portfolio can be self-sustaining so long as the same amount is invested in each company, and the stock selection system remains consistent in picking more winners than losers.



January 02, 2018

We were newlyweds living large. A Center City High Rise on the Square. Doorman. Garage. Roof deck. Went out to dinner a lot. Joined an expensive club. We were dinks. “Double income no kids”. For three years we had it all.

It was great fun, but not very smart. When you are young and in love everything is fun. So use this time to start building your financial house. Enjoy working together on your life plan. Live lean. Work hard. Build the foundation. Party with beer. Champagne later.

Live below your means. Don’t get the fancy new car. Don’t get the killer apartment. Don’t go out to dinner whenever you want. Educate yourself on basic financial planning. Sounds like Debby Downer come to call.

Here’s how to show Debby the door. Find a really great place to live that is quirky and cheap. Find a cool used car that is half the price of a new one but still fun to own. Find great local places to eat with the ambiance you like, and good food at good prices. Find the fun stuff to do that doesn’t cost much. Parks, Museums, good causes.

Live lean. Live smart. Begin amassing wealth. Put it to work.

Amass is a much better word than save.  So do it.  Put most of one person’s income in the vault. Invest some of it. Live off the other person’s income as much as possible. Realize that If you do this now, your financial future brightens considerably.

As the song says “Time keeps on slipping, slipping, slipping, into the future”

Recommended reading: “The Richest Man in Babylon” (144 pages. Just do it!)