Welcome to my blog! Many of you wonder how to save and invest money. Take a look at the aisles at your local bookstore devoted to the subject, as well as all the internet blogs already out there telling you the same old saw. So Tom, why do we need another blog about this subject? Glad you ask.

Mainly because so much advice you get is plain, dead wrong. It is written not for the real world, but for some fantasy place (island?) where people have to save every penny just to have enough money to pay for their funeral, leaving most people either confused or overwhelmed. This blog is written for the real world, for real people. If you are already a millionaire and want to know how to save on your yacht tax, this is not for you, but if you want to learn how to live the good life for less, read on.....