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Kevin Mercadante

About Kevin Mercadante

Kevin Mercadante has been writing about personal finance on rusbank.net, covering investing, retirement, taxes, credit cards, real estate, mortgages and insurance. Kevin brings many years of experience working in CPA firms and mortgage companies, preparing hundreds of income taxes, and helping hundreds more get the financing needed to buy or refinance a home. His entire career has been in personal finance. Kevin holds a Bachelor’s Degree in Finance from Montclair State University, and occasionally shares his financial expertise on his own personal blog, OutOfYourRut.com

5 Ways To Get Started Investing With Very Little Money

written by Kevin Mercadante | Investing

Do you think that it is impossible to build a balanced investment portfolio if you have very little money to invest? Think again. Using very little money, you can spread your investments across the full spectrum of asset classes — stock-based mutual funds and exchange-traded funds, bonds, and even commodities.

10 Things Every Parent Should Tell Their Kids (and Themselves)

written by Kevin Mercadante | Saving Money

These are 10 important things we should be telling our children - and even ourselves

Because the world encourages us to seek success so diligently, we almost need to have an entirely different mindset in order to find happiness. Along that line, here are several things every parent should tell their kids — and themselves — about how to find true happiness in life — even if financial success never comes your way.

How To Consolidate Your Debt With Lending Club

written by Kevin Mercadante | Debt Help

This is a much cheaper, faster, and easier way to consolidate your debt rather than using traditional banks or debt consolidation companies. Lending club makes the process extremely simple and extremely cost effective -

Technology is changing everything – even the well-worn process of getting a loan through a bank. You can now streamline the whole borrowing process and consolidate your debt with Lending Club. Lending Club is the largest and most well-known of the rising class of direct lending platforms that enable both borrowers and investors to bypass […]

9 of the Best Money Habits of the Wealthy

written by Kevin Mercadante | Debt Help

9 of the best money habits of the wealthy

While it’s tempting to believe that wealth is about being lucky, the reality is that it’s mostly about using God-given wisdom and developing the smart money habits. If you can do that, and avoid too many foolish mistakes with your money, there’s a very good chance that you will have more money than you need. […]

Why You Need Life Insurance and Why it Needs to be Term Insurance

written by Kevin Mercadante | Saving Money

It’s unfortunate that so many people don’t consider life insurance to be very important. They’re much more concerned with health insurance and auto insurance, since the need for such coverages is usually more immediate. Life insurance doesn’t seem important until it becomes necessary, and then it becomes critical! That’s because you can’t buy life insurance […]

12 Things You Can Learn That Will Make You Better at the Game of Life

written by Kevin Mercadante | Saving Money

These are 12 simple things that you can learn today to help you become better at the game of LIFE!

We go to school to learn hands-on skills that will enable us to be better at earning a living. But many of the skills that will make you a success in life have little or nothing to do with earning a living. They’re mostly about living your life, interacting with other people, and improving yourself. And sometimes they even help you earn a living. Here are several things you can learn how to do today that will make you better at the game of life.

How Much Money Are You Wasting by NOT Refinancing Your Student Loans?

written by Kevin Mercadante | Saving Money

how much money are you wasting by not refinancing your student loans

The average student owes $35,051. If you owe student loan debt in this range or higher, you may be wasting money by not refinancing. Whether or not you can benefit by refinancing your student loans will depend upon the interest rate that you are paying on your current loans. Private source student loans usually carry […]

5 Things Wealthy People Do Differently

written by Kevin Mercadante | Managing Money, Saving Money

When it comes to the wealthy, there’s often a belief that they’re rich because they were born into money. While that’s certainly true for many, it isn’t the case across the board. Many of the wealthy have had to work their way up to being rich and to do so they’ve had to adopt a different set of habits from most other people.

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Bob Lotich

Hi there! We are Bob & Linda Lotich. Jesus followers, authors, podcasters, and undying fans of Michael Scott.

This site contains the lessons we learned on our journey from being stingy, debt-ridden fools, to being able to reach our biggest financial goal of giving $1 million by age 40, having zero debt & a paid off house by age 31, and peace with money in the process.

Now we share our best lessons with people like you, groups, and churches with our Award-winning book Simple Money, Rich Life and our 6-week video course True Financial Freedom.

Grab our book!

Simple Money Rich Life

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The articles on this site should not be taken as financial advice. Please contact a financial advisor (or coach) for specific advice regarding your situation. Any references to interest rates, giveaways, deals, products, and websites are subject to change without notice. We try our best to keep the information current, but things are always changing so it may be different now than when it was first published. Also, all the pages on SeedTime help us pay the bills by using affiliate relationships with Amazon, Google, eBay and others but our opinions are NEVER for sale. Find out more here.

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