Welcome to SmartMoneyToolbox.com!
The purpose of this site is to help you improve your financial situation. Whether you are trying to get out of debt, get on a path to financial security, plan for retirement, or just wanting to learn more about tools that you can use to improve your financial life, this is the site for you!
I have become proficient on many financial topics through personal experience, plenty of reading, and my 30+ year CPA career. I have a passion for this stuff, and I want to pass it on. I believe in lifelong learning and continuous improvement.
My goal is to provide actionable tips that you can use to improve your financial life. I provide the tools, but it is up to you to vet out the options and then take action. Comment on the articles, contact me, and let me know how this site has added value for you. I also welcome your feedback on how this site can be improved to help you even more.
I have provided links to resources that contain more information on a topic or a product or service that may help you out. I’ll do my best to make sure that the items I ask you to consider here are quality resources.
Let’s press on together and take charge of our finances!
Regards,
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Latest Posts
What is the CID credit card security code number?
The CID credit card security code number is a 3 or 4 digit code on the back of the card or front of the card that provides another layer of credit card fraud protection for the merchant and credit card financial institutions. Your credit card number is typically a 16...
Bear Stock Market 2022
Bear Stock Market 2022 We officially hit Bear market territory in the stock market last week. A Bear market is defined as a drop in the stock market of 20% or more from the previous high. This has been quite painful for investors (myself included), watching their...
10 Ways to Offset High Gas Prices
High inflation and the war in Ukraine have resulted in very high gas prices. Everyone is feeling the pinch. This is not a new problem. Gas prices have been high in the past, such as the 1970's. Just like back then, you have to get resourceful in order to reduce costs....
Top Posts
Why I’m Unhappy when all my Investments go up
Sounds crazy at first when you read this, but I'll explain. Sometimes we can't see the forest for the trees As investors we are wired to optimize our investment performance. We also hate losing money. In my opinion this leads us DIY investors and most financial...
Age 30 – Time to Get Serious about your Finances
Once you hit age 30, it's about time to get serious about your finances. If you are like most (we've all been there), you enjoyed your 20's, spent money as needed, and essentially drifted through the years without a financial plan of attack. That's fine, but by around...
Yes you Can Do Better than a 4% Safe Withdrawal Rate
It's well know in the personal investment community that a 4% Safe Withdrawal Rate (herein called "SWR") is the general standard for planning for retirement. It is based on a fantastic study by William Bengen in 1994 that proved that based on a classic equity / bond...