David Lautaret ~ Contributor

David Lautaret is a thirty-something writer based in Portland, OR. His passion for financial independence stems from unrelenting, low-grade anxiety that he doesn't know enough which explains why he can't stop educating himself on the subject. He has a degree in Business but prefers to use cartoons and humor to make his points. He's a husband to a beautiful wife and a tremendous father to a super cute baby girl.

The History of Money: From Cowries to Paper to Bitcoin

Money coins

It’s something we use every day but how often do you think about the history of money? It turns out, money history and the creatin of money is fascinating.

Factor Investing: What Is It and Does It Produce Superior Returns?

math on chalkboard

Nobody likes losing money in the stock market. There’s no way of predicting it, and your earnings can swing wildly from year to year. But what if you could tilt your portfolio in a way to enhance returns? That’s what factor investing attempts to do. But what is it, should it be a part of your financial planning toolkit, and which robo-advisors are best?

How to Use the Roth Conversion Ladder Like a Hero

Roth Conversion Ladder

Today we’re going to learn about the power of the Roth conversion ladder using a combination of personal finance words and poorly constructed metaphors. Should be a good time.

Safe Investments: 16 Ways to Grow Your Money with Peace of Mind

sailboat heading into storm

If you’ve been paying attention to the outside world, it’s a scary time for everyone. The stock market seems to jump all over the place daily. Some people have a high-risk tolerance, but a lot of us just want to know how we can ride out this storm with some low-risk investments.

How to Successfully Incorporate Your Family into a Thriving Business

lemonade stand

Business owners get a lot of perks regular people don’t. But here’s the secret: Business owners are ordinary people, and starting a small business isn’t that hard. Maybe you don’t think you’re the type of person who should run a small business. Do you have a family? Then you should incorporate your family into a small business.

Using The Swensen Portfolio Strategy for Real Financial Growth

house plants

Figuring out the perfect investment strategy can be tough, especially if you go it alone. You have to worry about asset allocation, which assets to focus on, and countless other details. It’s a lot to handle. Luckily, there are some ready-made portfolios out there.

Chase Reconsideration Line: 5 Ways to Boost Your Credit Approval Odds

man on phone

Any seasoned traveler knows that travel hacking by using Chase Ultimate Reward points is the way to live the good life for less. But what happens when your credit card application gets rejected? You call the Chase Reconsideration Line. This post tells you what to say and do for the best chance of getting accepted.

Public.com Review: Investing App Meets The Social Network

people watching sunset

How does a brokerage measure up to its competitors with so many now offering fractional shares and commission-free trades? You put a new spin on an old design. In this Public.com review, I examine its unique business model, features, and how its trading platform works.

Chase Transfer Partners: Optimize Your Rewards Points This Year


The ability to access a wide array of transfer partners is what sets Chase Ultimate Rewards apart. But not everyone takes advantage. In this guide, we’ll show you how to leverage your points, optimize your card usage, and what you absolutely shouldn’t do. If you want to get the most out of your transfer partners, read on.

Investment Properties: 10 Effective Ways to Find Yours This Year

woodblock toy home

So you’ve decided to dip into the world of real estate by purchasing an investment property, but you’re stuck. How does someone actually find an investment property? While everyone has their own tips and tricks we’ll show you the ten best ways to go about finding an investment property.

Getting Started In Real Estate Investing: The Definitive Beginner’s Guide


Real estate investing can be a great way to boost your portfolio and quickly get you to financial independence. The barrier to entry feels high, and that scares off many would-be investors. If this is you, don’t worry. We’ll systematically walk you through the necessary steps for getting started in real estate investing.

Chase Sapphire Preferred Travel Insurance: How Covered are You?

traveler at train tracks

Heading out on a well-earned vacation is one of life’s great joys. Unfortunately, sometimes things go wrong and you’re left scrambling to see what travel insurance you have. If you’ve got a Chase Sapphire Preferred card, you’re probably in good shape. Let’s zoom in to see exactly what they cover.

Chase QuickPay: A Superior Alternative to PayPal and Venmo?

Chase QuickPay: A Superior Alternative to PayPal and Venmo?

Chase Quickpay with Zelle is a simple person-to-person payment service that lets you split checks, send money to friends, and request cash (even if your friends don’t have a Chase bank account). It’s a fast and secure way to both send and receive money. While similar to Venmo and PayPal, Chase Quickpay has things the others don’t.

Understanding The 457(b) Retirement Account in a Hurry


Today we’re going to be talking about the Jean Claude Van Damme of retirement accounts- the 457(b) (also called the 457). The 457(b) is a flexible retirement vehicle that allows penalty-free early withdrawals, along with some pretty great catch-up options. Much like Jean Claude Van Damme, the 457 kicks some serious ass, but it’s not for everyone.

How to Form an LLC in Seven Easy Steps: An Essential Guide

people working at a laptop

You’ve made the decision to start a small business. Working for yourself can provide the freedom and flexibility to build the life you want, but it can also be stressful. We’re here to make it easy. This post will show you how to form a limited liability company (LLC) in seven simple steps.

8 Alternatives to College That Won’t Leave You Drowning in Debt

person holding small sign reads there are no rules

We all want to be successful and college used to be a route to success. But with college costs so high, it’s out of reach for some so we’ll explore alternatives to college.

What Is Credit and Why It’s Essential to Your Financial Health [UPDATED]

brick building issuing loans

Credit influences every aspect of your financial life; From renting an apartment to an employer determining whether to hire you. This detailed post outlines what it is why you need it. If you want to learn how to use credit to your advantage, you’ll love this post. Let’s get started.

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