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loadingthis7 · 3 years

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Ti Ba Ii Plus Simulator

Re: TI-BAII plus clone (with emulator) Message #2 Posted by Mike (Stgt) on 4 June 2013, 4:06 a.m., in response to message #1 by fhub. Thank you for this hint. BTW, the emulator is a 30 days trial only. If you like simple calculators then try this. No time limit, no expiry, alas a simulation only, but of the first pocket calculator assembled in.

TI offers a special program to educators in the U.S. Or Canada who recommend the BA II Plus™ or BA II Plus™ Professional financial calculator to their classes. Our Finance Educator Support Program will send you a free BA II Plus™ Professional calculator and Emulator Software for use with your classroom PC and projection system.

Online Ti Ba Ii Plus Simulator

Ba Ii Plus Online

Ti Ba Ii Plus Simulator 4

Note: The steps in this tutorial outline the process for a Texas Instruments BA II Plus financial calculator. Clear the Calculator Using our car example we will now find the future value of an investment by using a financial calculator. Before we start, clear the financial keys by pressing 2nd and then pressing FV.

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The TI BAII Plus is a fairly easy to use financial calculator that will serve you well in all finance courses. This tutorial will demonstrate how to use the financial functions to handle time value of money problems and make financial math easy. I will keep the examples rather elementary, but understanding the basics is all that is necessary to learn to use the calculator. Please note that the design of this calculator has changed slightly over the years, but it works the same way even if it doesn't match my picture.

Initial Setup

Before we get started, we need to correctly (in my view, anyway) set up the calculator. The BAII Plus comes from the factory set to assume monthly compounding. That's fine, I suppose, but its better to set it to assume annual compounding and then make manual adjustments when you enter numbers. Why? Well, the compounding assumption is hidden from view and in my experience people tend to forget to set it to the correct assumption. Of course, most people don't recognize a wrong answer when they get one, so they blithely forge ahead. To fix this problem press 2nd then I/Y and enter 1 when prompted. Now press Enter and then 2ndCPT to return to a blank screen. Problem solved.

One other adjustment is important. By default the BAII Plus displays only two decimal places. This is not enough. Personally, I like to see five decimal places, but you may prefer some other number. To change the display, press 2nd then . and, when prompted, enter the number of digits you would like to see displayed. You must then press the Enter to lock in your choice. I would press 2nd.5Enter to display 5 decimal places. That's it, the calculator is ready to go.

If you don't find the answer that you are looking for, please check the FAQ. If it isn't there, please drop me a note and I'll try to answer the question.

Example 1 — Future Value of Lump Sums

We'll begin with a very simple problem that will provide you with most of the skills to perform financial math on the BAII Plus:

Suppose that you have $100 to invest for a period of 5 years at an interest rate of 10% per year. How much will you have accumulated at the end of this time period?

In this problem, the $100 is the present value (PV), there are 5 periods (N), and the interest rate is 10% (I/Y). Before entering the data you need to make sure that the financial registers (each key is nothing more than a memory register) are clear. Otherwise, you may find that numbers left over from previous problems will interfere with the solution to this one. Press 2ndFV to clear the memory. Now all we need to do is enter the numbers into the appropriate keys: 5 into N, 10 into I/Y, -100 into PV. Now to find the future value simply press CPT (compute) and then the FV key. The answer you get should be 161.05.

A Couple of Notes

Every time value of money problem has either 4 or 5 variables (corresponding to the 5 basic financial keys). Of these, you will always be given 3 or 4 and asked to solve for the other. In this case, we have a 4-variable problem and were given 3 of them (N, I/Y, and PV) and had to solve for the 4th (FV). To solve these problems you simply enter the variables that you know into the appropriate keys and then press the other key to get the answer.

The order in which the numbers are entered does not matter.

When we entered the interest rate, we input 10 rather than 0.10. This is because the calculator automatically divides any number entered into I/Y by 100. Had you entered 0.10, the future value would have come out to 100.501 — obviously incorrect.

Notice that we entered the 100 in the PV key as a negative number. This was on purpose. Most financial calculators (and spreadsheets) follow the Cash Flow Sign Convention. This is simply a way of keeping the direction of the cash flow straight. Cash inflows are entered as positive numbers and cash outflows are entered as negative numbers. In this problem, the $100 was an investment (i.e., a cash outflow) and the future value of $161.05 would be a cash inflow in five years. Had you entered the $100 as a positive number no harm would have been done, but the answer would have been returned as a negative number. This would be correct had you borrowed $100 today (cash inflow) and agreed to repay $161.05 (cash outflow) in five years. Do not change the sign of a number using the 'minus' key. Instead, use +/-.

We can change any of the variables in this problem without needing to re-enter all of the data. For example, suppose that we wanted to find out the future value if we left the money invested for 10 years instead of 5. Simply enter 10 into N and then CPTFV. You'll find that the answer is 259.37.

Example 1.1 — Present Value of Lump Sums

Solving for the present value of a lump sum is nearly identical to solving for the future value. One important thing to remember is that the present value will always (unless the interest rate is negative) be less than the future value. Keep that in mind because it can help you to spot incorrect answers due to a wrong input. Let's try a new problem:

Suppose that you are planning to send your daughter to college in 18 years. Furthermore, assume that you have determined that you will need $100,000 at that time in order to pay for tuition, room and board, party supplies, etc. If you believe that you can earn an average annual rate of return of 8% per year, how much money would you need to invest today as a lump sum to achieve your goal?

In this case, we already know the future value ($100,000), the number of periods (18 years), and the per period interest rate (8% per year). We want to find the present value. Enter the data as follows: 18 into N, 8 into I/Y, and 100,000 into FV. Note that we enter the $100,000 as a positive number because you will be withdrawing that amount in 18 years (it will be a cash inflow). Now press CPTPV and you will see that you need to invest $25,024.90 today in order to meet your goal. That is a lot of money to invest all at once, but we'll see on the next page that you can lessen the pain by investing smaller amounts each year.

Example 1.2 — Solving for the Number of Periods

Sometimes you know how much money you have now, and how much you need to have at an undetermined future time period. If you know the interest rate, then we can solve for the amount of time that it will take for the present value to grow to the future value by solving for N.

Online Ti Ba Ii Plus Simulator

Suppose that you have $1,250 today and you would like to know how long it will take you double your money to $2,500. Assume that you can earn 9% per year on your investment.

This is the classic type of problem that we can quickly approximate using the Rule of 72. However, we can easily find the exact answer using the BAII Plus calculator. Enter 9 into I/Y, -1250 into PV, and 2500 into FV. Now press CPTN and you will see that it will take 8.04 years for your money to double.

One important thing to note is that you absolutely must enter your numbers according to the cash flow sign convention. If you don't make either the PV or FV a negative number (and the other one positive), then you will get Error 5 on the screen instead of the answer. That is because, if both numbers are positive, the calculator thinks that you are getting a benefit without making any investment. If you get this error, just press CE/C to clear it and then fix the problem by changing the sign of either PV or FV.

Example 1.3 — Solving for the Interest Rate

Solving for the interest rate is quite common. Maybe you have recently sold an investment and would like to know what your compound average annual rate of return was. Or, perhaps you are thinking of making an investment and you would like to know what rate of return you need to earn to reach a certain future value. Let's return to our college savings problem from above, but we'll change it slightly.

Suppose that you are planning to send your daughter to college in 18 years. Icloud activation tool for mac. Furthermore, assume that you have determined that you will need $100,000 at that time in order to pay for tuition, room and board, party supplies, etc. If you have $20,000 to invest today, what compound average annual rate of return do you need to earn in order to reach your goal?

As before, we need to be careful when entering the PV and FV into the calculator. In this case, you are going to invest $20,000 today (a cash outflow) and receive $100,000 in 18 years (a cash inflow). Therefore, we will enter -20,000 into PV, and 100,000 into FV. Type 18 into N, and then press CPTI/Y to find that you need to earn an average of 9.35% per year. Again, if you get Error 5 instead of an answer, it is because you didn't follow the cash flow sign convention.

Note that in our original problem we assumed that you would earn 8% per year, and found that you would need to invest about $25,000 to achieve your goal. In this case, though, we assumed that you started with only $20,000. Therefore, in order to reach the same goal, you would need to earn a higher interest rate.

When you have solved a problem, always be sure to give the answer a second look and be sure that it seems likely to be correct. This requires that you understand the calculations that the calculator is doing and the relationships between the variables. If you don't, you will quickly learn that if you enter wrong numbers you will get wrong answers. Remember, the calculator only knows what you tell it, it doesn't know what you really meant.

Please continue on to part II of this tutorial to learn about using the BAII Plus to solve problems involving annuities and perpetuities.

The Texas Instruments BA-35 is a finance calculator with 8 digits precision and algebraic logic. It has 40 keys, and an LCD (liquid crystal) display. The power source is 2xLR44. The calculator was manufactured in USA.

Ba Ii Plus Online

Facts at a glance:

FeatureValueTypeFinanceKeys40 Precision8 LogicAlgebraicDisplay typeLCDLength135mm Width74mm Thickness9mm Power Source2xLR44CountryUSAYear introduced1982Year discontinued1986

Replacements:

If you have a Texas Instruments BA-35 that is no longer working, you can first try replacing the 2xLR44 batteries. If that doesn't solve the problem, then you can consider replacing the calculator with a modern equivalent. We suggest the following current models as possible replacements:

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Ti Ba Ii Plus Simulator 4

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fesahaawit · 7 years

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Are You Financially Average?

Mornin’ mornin’!

So last week we went over 15 great financial goals to hit if you wanted to be ABOVE average in this wacko world of ours, but today I thought it would be fun to see just how close we are to being AVERAGE average compared to others ;)

Because why not, right? What else are we going to do today?

Stats are below in bold, followed by my own thoughts & answers… I’ll let you decide which areas you actually want to be average on, and which you don’t ;)

10 Financial Statistics of The Average American

(The data is mostly from 2015 and chock-full of other variables that we should probably pay attention to, but take them for what they’re worth and just play along with this blogger here ;) Big shout to The Motley Fool where I borrowed these stats from.)

#1. The average American gross household income is $71,258

Pretty decent… Our household income this year will be around $110,000 between my wife’s new job and my online projects, but obviously if there’s only one of you in your household it’s going to skew your results :) Verdict for us: above average

#2. The average American household with debt owes $132,529

Dayuuummm… Although it *does* include mortgages and student loans, cars, etc, so it’s not ALL credit card debt. We’ve opted to go back to renting so we don’t have any mortgages, but we do have a car note with $12,142.79 left which makes our verdict here below average.

#3. The average American gave $5,491 to charity in 2015

Pretty good!!! Probably because the higher earners skew it, but still – no shame in trying to keep up! And outside all the gobs of time I spend helping people with their $$$, we fail here with only giving about $1,000 in cash and donations last year… Though we did give out over $14,000 so far with our Community Fund I helped launch, and my $20/mo charity trick is now auto. pumping out $100/mo to 5 of my favorite organizations, so we are getting better! Verdict: below average (but not for long!)

#4. The average American has a FICO credit score of 700

Much better than I’d expect? I’m not exactly sure what my *FICO* score is, but I do know from last week’s checking that we’re at 829 with Experian and 835 w/ TransUnion and 833 w/ Equifax. So I would assume we’d be in the 800’s as well with FICO. And man are there a lot of different scores out there? You can learn more about most of them here, but again as long as you’re at least monitoring one of them consistently you’ll be just fine. J$ verdict: above average

#5. The average American’s 401(k) balance is $96,288

I no longer have a 401(k) since becoming self-employed, but I do have about $504,000 in my SEP IRA which is an equivalent (minus those glorious free matches!!!) so it’s safe to say we’re way above average here too. You could also probably include IRAs and any other types of retirement accounts here which of course paints a much bigger picture, especially if you don’t even have access to a 401(k) plan.

Here’s a cool graph Motley Fool included that breaks down the average totals by *age* – which is a much fairer comparison. It comes from Vanguard’s 2016 How America Saves report (PDF):

(For more thoughts around this, check out my postings on Twitter and Facebook where there were some pretty lively conversations going in response to this graph!)

#6. The average personal savings rate in the U.S. is 5.5%

Ugh… Although apparently this is up from 1.9% in 2005, so yay? I’m never quite sure exactly how one goes about calculating their savings rate (do you use pre-tax money? After-tax? Does investing count? What about debt payments?) but here’s what I get depending on what I’m including – all based on pre-tax income:

Actual “savings” rate: 0% (all our extra money goes to maxing out retirement accounts and debt)

Investing rate: 26% (SEP IRA, ROTH IRA)

Investing + debt pay off rate: 34% (SEP IRA, ROTH IRA, Car loan)

Verdict: above average

#7. Only 18% of Americans actively contribute to an IRA

Double ugh… I’m not sure what’s considered “active” here (I usually contribute only once a year to max it out vs monthly deposits) but either way not good, America. Not good! J$ verdict: above average

#8. The average American’s tax refund in 2016 was $2,860.

I know people either LOVE getting refunds or think it’s asinine that you “give the government a loan,” but as far as I’m concerned a nice surprise is always better than an ugly one. And I find that when people get a *chunk* of money vs smaller more frequent ones, they tend to apply it more towards bigger goals anyways since it seems to make a much larger difference. So to me it’s all in HOW YOU USE THE MONEY vs when you get it.

As for our typical returns, we usually break even since we pay taxes quarterly, however last year we got an unexpected return of $5,000 when we overpaid on part of some money that came in at the end of the year. Which of course went right back into investments! And again, a much better surprise getting $5,000 back than the opposite ;)

Verdict: above average (not sure how to color code this, haha…)

#9. The average American pays an effective federal income tax rate of 13.5%

Wow! Wouldn’t have ever guessed that! Not that I pay attention too much to this stuff (borrrrringgggg). And similar to the whole savings rate thing I wasn’t quite sure how to calculate this puppy either, however a quick Google search shot me a fast answer and was able to figure it out nicely.

Per Investopedia:

An individual’s effective tax rate is calculated by dividing total tax expense from line 63 of his 1040 Form by his taxable income from line 43 of that form.

Easy enough, right? For 2016 that came out to 17% for us (much lower than usual probably due to us taking a loss when we sold our house earlier in the year, as well as my wife maybe going back to work?), but for 2015 it was quite higher at a whopping 43%! Can that be right?? This is exactly why I use an accountant as I don’t trust myself to calculate crap haha…

Verdict: above average (I’m gonna say this is both good and bad: bad cuz we’re obviously paying more than the average, but good in that it typically means we’re also *earning more,* as well as giving more back to support our state/country too)

#10. The average American’s Social Security retirement benefit is $1,363/mo

Reason #38 to make sure you’re saving and investing on your own!! Can’t rely on anyone to support you in retirement :( I cant find my login/password to the site at the moment, but here’s what our future payments were estimated at two years ago. I’d imagine it’s only gone up?

(I like how “early retirement” is 62 btw… surely they haven’t come across FIRE blogs! ;))

You can easily access all your own social security stuff these days here: http://ift.tt/1Dgs85A (provided you remember your password!). It’s also helpful when trying to run your Lifetime Wealth Ratio too that I conjured up :) Divide your current net worth by your *total earnings* over your lifetime and see what % of it you still have left! Just make sure to have a box of tissues around as most times it’s pretty depressing, haha… Verdict: above average

#11. Bonus: The average American will spend $165.14 on Thanksgiving expenses this year (via LendEdu)

If only that read Christmas! :) We’ll probably only be spending around $30 or $40 for gas and some side dishes to the dinners we’ll be attending this year (thanks mom and dad!), but I know some are flying all over the place which I’d imagine gets pricey pretty fast. Good thing we love our friends and families! Verdict: below average

(my favorite all-time gift, given to me by Baby Penny!)

BTW, right before I went to publish this I got two more T-Day stats emailed to me, by Ebates:

22% of Americans plan to begin their Black Friday shopping online after Thanksgiving dinner

11% of Americans admit to shopping on their mobile phones during Thanksgiving dinner

Wow…

So there you have it! The average financial stats of your fellow man and woman :)

Where do you land? More average than below average? More below than above?

It looks like I’m mostly above average in the right places and below average in the others, but areas of improvement can be found in both the charity and the effective tax rate areas… I’m still amazed by how all those early retirees pay 0% in taxes btw, even though they’re all millionaires!! Talk about being crafty!

See this post here by Go Curry Cracker to see what I mean: Never Pay Taxes Again (hint: you’ll need to live on far less than you’re probably doing right now to pull this off)

Thanks for playing along! No one else in real life likes talking about this stuff with me ;)

**** PS: Here’s the link again to the Motley Fool article if you want to learn more: 10 Incredible Financial Statistics That Sum Up the Average American

Are You Financially Average? posted first on http://ift.tt/2lnwIdQ

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heliosfinance · 7 years

Text

Are You Financially Average?

Mornin’ mornin’!

Because why not, right? What else are we going to do today?

Stats are below in bold, followed by my own thoughts & answers… I’ll let you decide which areas you actually want to be average on, and which you don’t ;)

10 Financial Statistics of The Average American

(The data is mostly from 2015 and chalk full of other variables that we should probably pay attention to, but take them for what they’re worth and just play along with this blogger here ;) Big shout to The Motley Fool where I borrowed these stats from.)

#1. The average American gross household income is $71,258

#2. The average American household with debt owes $132,529

#3. The average American gave $5,491 to charity in 2015

#4. The average American has a FICO credit score of 700

#5. The average American’s 401(k) balance is $96,288

Here’s a cool graph Motley Fool included that breaks down the average totals by *age* – which is a much fairer comparison. It comes from Vanguard’s 2016 How America Saves report (PDF):

(For more thoughts around this, check out my postings on Twitter and Facebook where there were some pretty lively conversations going in response to this graph!)

#6. The average personal savings rate in the U.S. is 5.5%

Actual “savings” rate: 0% (all our extra money goes to maxing out retirement accounts and debt)

Investing rate: 26% (SEP IRA, ROTH IRA)

Investing + debt pay off rate: 34% (SEP IRA, ROTH IRA, Car loan)

Verdict: above average

#7. Only 18% of Americans actively contribute to an IRA

#8. The average American’s tax refund in 2016 was $2,860.

Verdict: above average (not sure how to color code this, haha…)

#9. The average American pays an effective federal income tax rate of 13.5%

Per Investopedia:

An individual’s effective tax rate is calculated by dividing total tax expense from line 63 of his 1040 Form by his taxable income from line 43 of that form.

#10. The average American’s Social Security retirement benefit is $1,363/mo

(I like how “early retirement” is 62 btw… surely they haven’t come across FIRE blogs! ;))

You can easily access all your own social security stuff these days here: http://ift.tt/1Dgs85A (provided you remember your password!). It’s also helpful when trying to run your Lifetime Wealth Ratio too that I conjured up :) Divide your current net worth by your *total earnings* over your lifetime and see what % of it you still have left! Just make sure to have a box of tissues around as most time it’s pretty depressing, haha… Verdict: above average

#11. Bonus: The average American will spend $165.14 on Thanksgiving expenses this year (via LendEdu)

(my favorite all-time gift, given to me by Baby Penny!)

BTW, right before I went to publish this I got two more T-Day stats emailed to me, by Ebates:

22% off Americans plan to begin their Black Friday shopping online after Thanksgiving dinner

11% of Americans admit to shopping on their mobile phones during Thanksgiving dinner

Wow…

So there you have it! The average financial stats of your fellow man and woman :)

Where do you land? More average than below average? More below than above?

See this post here by Go Curry Cracker to see what I mean: Never Pay Taxes Again (hint: you’ll need to live on far less than you’re probably doing right now to pull this off)

Thanks for playing along! No one else in real life likes talking about this stuff with me ;)

**** PS: Here’s the link again to the Motley Fool article if you want to learn more: 10 Incredible Financial Statistics That Sum Up the Average American

Are You Financially Average? published first on http://ift.tt/2ljLF4B

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fesahaawit · 7 years

Text

Are You Financially Average?

Mornin’ mornin’!

Because why not, right? What else are we going to do today?

Stats are below in bold, followed by my own thoughts & answers… I’ll let you decide which areas you actually want to be average on, and which you don’t ;)

10 Financial Statistics of The Average American

#1. The average American gross household income is $71,258

#2. The average American household with debt owes $132,529

#3. The average American gave $5,491 to charity in 2015

#4. The average American has a FICO credit score of 700

#5. The average American’s 401(k) balance is $96,288

Here’s a cool graph Motley Fool included that breaks down the average totals by *age* – which is a much fairer comparison. It comes from Vanguard’s 2016 How America Saves report (PDF):

(For more thoughts around this, check out my postings on Twitter and Facebook where there were some pretty lively conversations going in response to this graph!)

#6. The average personal savings rate in the U.S. is 5.5%

Actual “savings” rate: 0% (all our extra money goes to maxing out retirement accounts and debt)

Investing rate: 26% (SEP IRA, ROTH IRA)

Investing + debt pay off rate: 34% (SEP IRA, ROTH IRA, Car loan)

Verdict: above average

#7. Only 18% of Americans actively contribute to an IRA

#8. The average American’s tax refund in 2016 was $2,860.

Verdict: above average (not sure how to color code this, haha…)

#9. The average American pays an effective federal income tax rate of 13.5%

Per Investopedia:

An individual’s effective tax rate is calculated by dividing total tax expense from line 63 of his 1040 Form by his taxable income from line 43 of that form.

#10. The average American’s Social Security retirement benefit is $1,363/mo

(I like how “early retirement” is 62 btw… surely they haven’t come across FIRE blogs! ;))

#11. Bonus: The average American will spend $165.14 on Thanksgiving expenses this year (via LendEdu)

(my favorite all-time gift, given to me by Baby Penny!)

BTW, right before I went to publish this I got two more T-Day stats emailed to me, by Ebates:

22% of Americans plan to begin their Black Friday shopping online after Thanksgiving dinner

11% of Americans admit to shopping on their mobile phones during Thanksgiving dinner

Wow…

So there you have it! The average financial stats of your fellow man and woman :)

Where do you land? More average than below average? More below than above?

See this post here by Go Curry Cracker to see what I mean: Never Pay Taxes Again (hint: you’ll need to live on far less than you’re probably doing right now to pull this off)

Thanks for playing along! No one else in real life likes talking about this stuff with me ;)

**** PS: Here’s the link again to the Motley Fool article if you want to learn more: 10 Incredible Financial Statistics That Sum Up the Average American

Are You Financially Average? posted first on http://ift.tt/2lnwIdQ

0 notes

fesahaawit · 7 years

Text

Are You Financially Average?

Mornin’ mornin’!

Because why not, right? What else are we going to do today?

Stats are below in bold, followed by my own thoughts & answers… I’ll let you decide which areas you actually want to be average on, and which you don’t ;)

10 Financial Statistics of The Average American

#1. The average American gross household income is $71,258

#2. The average American household with debt owes $132,529

#3. The average American gave $5,491 to charity in 2015

#4. The average American has a FICO credit score of 700

#5. The average American’s 401(k) balance is $96,288

Here’s a cool graph Motley Fool included that breaks down the average totals by *age* – which is a much fairer comparison. It comes from Vanguard’s 2016 How America Saves report (PDF):

(For more thoughts around this, check out my postings on Twitter and Facebook where there were some pretty lively conversations going in response to this graph!)

#6. The average personal savings rate in the U.S. is 5.5%

Actual “savings” rate: 0% (all our extra money goes to maxing out retirement accounts and debt)

Investing rate: 26% (SEP IRA, ROTH IRA)

Investing + debt pay off rate: 34% (SEP IRA, ROTH IRA, Car loan)

Verdict: above average

#7. Only 18% of Americans actively contribute to an IRA

#8. The average American’s tax refund in 2016 was $2,860.

Verdict: above average (not sure how to color code this, haha…)

#9. The average American pays an effective federal income tax rate of 13.5%

Per Investopedia:

An individual’s effective tax rate is calculated by dividing total tax expense from line 63 of his 1040 Form by his taxable income from line 43 of that form.

#10. The average American’s Social Security retirement benefit is $1,363/mo

(I like how “early retirement” is 62 btw… surely they haven’t come across FIRE blogs! ;))

You can easily access all your own social security stuff these days here: http://ift.tt/1Dgs85A (provided you remember your password!). It’s also helpful when trying to run your Lifetime Wealth Ratio too that I conjured up :) Divide your current net worth by your *total earnings* over your lifetime and see what % of it you still have left! Just make sure to have a box of tissues around as most time it’s pretty depressing, haha… Verdict: above average

#11. Bonus: The average American will spend $165.14 on Thanksgiving expenses this year (via LendEdu)

(my favorite all-time gift, given to me by Baby Penny!)

BTW, right before I went to publish this I got two more T-Day stats emailed to me, by Ebates:

22% off Americans plan to begin their Black Friday shopping online after Thanksgiving dinner

11% of Americans admit to shopping on their mobile phones during Thanksgiving dinner

Wow…

So there you have it! The average financial stats of your fellow man and woman :)

Where do you land? More average than below average? More below than above?

See this post here by Go Curry Cracker to see what I mean: Never Pay Taxes Again (hint: you’ll need to live on far less than you’re probably doing right now to pull this off)

Thanks for playing along! No one else in real life likes talking about this stuff with me ;)

**** PS: Here’s the link again to the Motley Fool article if you want to learn more: 10 Incredible Financial Statistics That Sum Up the Average American

Are You Financially Average? posted first on http://ift.tt/2lnwIdQ

0 notes