One consequence of our unsuccessful effort to be self employed is that Liz has spent some considerable time thinking about our financial position and her position in particular if I should happen to die before she does. At present, 100% of our income ends when I die, and without an employer sponsored life insurance plan to cover the gap, our current life insurance would only give her a few years at the existing standard of living to figure out how to pay for the costs of life.

As she’s ruminated on this topic over the last several months, she has … Read the rest

It’s been over a year since I walked away from industry and government contracts to start my own small business. Some of that time has been awesome. I love being the master of my own time. However, I don’t love being broke. I also don’t love the fact that there is very little chance that I’ll ever make money doing what I had hoped to monetize. At this point, I’m pretty sure that the idea I had hoped to turn into income is never going to amount to much more than a hobby.

What did I do wrong? Well, there … Read the rest