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LESSON 13: The BIG 4 – #4 Clothing+

Posted on May 13, 2022November 15, 2025 by Philip

There are numerous studies on how Americans spend their income as a percentage of their pay. A common claim is that households spend approximately 75% of their income in only 4 areas: Housing, Transportation, Food, and Clothing. The following chart which shows spending by category over the 73-year period of 1941-2014 does show how these…

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Dr. John Delony on the Carey Nieuwhof Leadership Podcast

Posted on May 12, 2022November 15, 2025 by Philip

  Notes: I listen to a podcast or watch a TED Talk and call myself an expert.  If you don’t look back, the shadow won’t catch you.  I found myself out on an island and instead of swimming back to shore and saying “Whoa, I found myself all by myself out there” I just said…

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LESSON 12: The BIG 4 – #3 Food

Posted on May 12, 2022November 15, 2025 by Philip

There are numerous studies on how Americans spend their income as a percentage of their pay. A common claim is that households spend approximately 75% of their income in only 4 areas: Housing, Transportation, Food, and Clothing. The following chart which shows spending by category over the 73-year period of 1941-2014 does show how these…

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LESSON 11: The BIG 4 – #2 Transportation

Posted on April 12, 2022November 15, 2025 by Philip

There are numerous studies on how Americans spend their income as a percentage of their pay. A common claim is that households spend approximately 75% of their income in only 4 areas: Housing, Transportation, Food, and Clothing. The following chart which shows spending by category over the 73-year period of 1941-2014 does show how these…

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Index Fund Article

Posted on April 3, 2022November 15, 2025 by Philip

Low cost index funds can be the simplest method of investing towards a financially secure future.  Credit: The Motley Fool

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LESSON 10: The BIG 4 – #1 Housing

Posted on March 16, 2022November 15, 2025 by Philip

There are numerous studies on how Americans spend their income as a percentage of their pay. A common claim is that households spend approximately 75% of their income in only 4 areas: Housing, Transportation, Food, and Clothing. The following chart which shows spending by category over the 73-year period of 1941-2014 does show how these…

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Harrison’s First Snow

Posted on March 11, 2022November 15, 2025 by Philip

Harrison’s first snow day. https://ift.tt/Y8L6neB

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Ukraine

Posted on February 27, 2022November 15, 2025 by Philip

Very insightful

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Cool Cover

Posted on February 26, 2022November 15, 2025 by Philip

Cover Art for Lettuce’s album: Crush

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ISU Housing

Posted on February 25, 2022November 15, 2025 by Philip

I got to spend the afternoon with Caleb today setting up housing for next school year. The complex he chose has a common area with these computers available for student use. A ratio of 80% PCs to 20% Mac doesn’t exactly invoke the spirit of Apple’s “Think Different” campaign of the late 90s, this is…

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  • Steps Towards Moving Away From Cloud Services
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