Welcome to BAMF Money.com.  A site dedicated to being a bad a$$ with your money with a focus on getting to retirement at an early age through routine investment in dividend growth and living non-flashy, yet comfortable lifestyle.  If you don’t know what BAMF is, please look it up.  If you are looking for a lifestyle of excess and showing off to your neighbors, I’ll save you time, this site is not going to interest you.

If the thought of working 30 years in a piss poor office cubicle, with lighting that makes everyone look like a zombie from “The Walking Dead”, having to shell out money for a wedding shower for Bobby in accounting (who you don’t know), watching adults gather around and get way to excited about $8 a piece cupcakes b/c that’s the highlight of their day, having to hear the perennial frat boy that graduated from college 10 years ago talk about college like he was just there (because he still goes back every weekend), the smell of the person who doesn’t bath regularly, or listen to  everyone’s favorite co-worker, The Ass Kisser, doesn’t appeal to you; THEN THIS SITE IS FOR YOU.

Whatever your definition or retirement may be (quitting the daily grind, being able to work part-time at the local hip coffee shop part time, being able to take a calculated risk on something you’ve always wanted to do, or taking the plunge and starting your own small business), the goal is to get people to learn how to put their money to work for them, so they don’t have to work 40+ hours a week for their money.  I’ll show you how compounded growth really is an amazing phenomenon that everyone needs to put to work for themselves and the trap of modern day consumerism and using it to your investment advantage.

Best of all, I will use actual examples from my own investment portfolio.  Yes, real world examples, not just pure hypotheticals that pundits use and assume constant growth in their examples.  This is data that I have amassed over time and built out and I am still constantly tracking.

Over time I will make available spreadsheets and tables available for you to use for tracking your investments.  Tracking your investment data is important for several reasons.  Here are a few:

1.  You need to know your net worth.  If you don’t know where you are currently at, how do you know where you are going.  Is it improving?  If not, why?

2.  What is your dividend income and is it growing over time.  What is your projected dividend income for next year? The year after?

3.  Are you cash flow positive each month.  Money In the Door > Money Out the Door, INCOME > EXPENSES, Cash Inflows > Cash Outflows.  You get the picture.  If not, what needs to change.  Is it frivolous spending that is secretly eating you alive.  If you are cash flow positive, congratulations, but can I increase the spread.

4.  Have I reached FI (financial independence) or built up my FU money to quit the job.

 

TIP OF THE WEEK

I only get about 3 credit card offers a year.  Not because I have shitty credit.  It’s deep into the 800’s, so quite the opposite.  I used to come home and my mailbox would have 5 junk card offers sitting there every freaking day.  What a waist of paper and potential security risk for me!  If you would like to cut out the junk credit card offers check out:

Opt-Out Prescreen or 888-567-8688

You can opt out of receiving these offers in the mail.

The electronic opt out expires after 5 years (after  the 5 years, the barrage of offers starts again), while the mail in opt out is permanent.

I mailed in the form for myself years ago and it’s been great not receiving that stuff in the mail.  In today’s world, it’s just one less thing putting your finances at risk. Crooks will actually go through mailboxes and look for these junk card offers, open the cards, and check your mailbox later for the card to arrive.  Meanwhile, you’ve been at work, not suspecting a thing, until a mystery bill comes in the mail.  Now the fun of fixing it all.  Like I said, did this for myself and also the rest of my family, so just want to share this tip with you.

I am not compensated in any way from Opt-Out Prescreen, just trying to help out.

 

Story to Share

I came across this story this morning and love it because the basic principals align with my own.  I also say money is nothing more than math problems with a $ sign in front of them.

A 308-pound NFL player explains why he drives a comically small used car that cost him $9,000

Also, if you need to buy something  from Amazon, click on the banner on my site for your purchase.  It helps cover the cost of running this site.

 

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