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About Me

Ryan Deckard

Financial linguist, Tech Guru, and overall good guy. I strive to help my friends and neighbors get a better grasp on their finances with a sprinkle of my personal Technological expertise through my professional career. I started this blog October of 2018, while deployed overseas, before I converted my primary home (liability) to a rental investment (asset). I let this blog fall to the side as I felt I didn't have the expertise to speak on the subjects I was most passionate about.

I decided around 20 years old I was going to be financially independent no matter what it took and have failed at the same business twice since then (lol). I purchased my first property at 22 years old to add the first rung in my ladder, and have purchased a couple more since that time. Now, 25 with 2 businesses and a family trying to push the envelope.  

I've gained so much knowledge in the last few years that I've been spreading to my immediate circle and figured it was time to bring the blog back to life, this is me. I'm a successful Real Estate Investor, Small Business Owner, and Father of two! Hang on tight and get ready for a great experience. If you'd like to learn more about me and what I do, contact me! 

If you're just here to check out the amazing content I have to offer, check it out here!


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Celebrating Christmas on a Budget

It's that time of year again! Not the time for cheer and happiness, but the time right before that where we're expected to shell out hundreds or thousands on decorations and gifts for loved ones. Along with that comes a new spark of impulsive spending with the excuse that "my sister will love this" or "I deserve nice things for the holiday's too!". All of these things are true, but respecting a budget and keeping your investing goals on track is equally important. The Trap Everybody expects you to be as everybody has always been. Remember 98% of America can't retire  because they've always done what everybody else has always done. We're here because we want to do things differently, and it's never been easy before so why now?  Family will get upset that we're not blowing the hard saved money that's been accumulating through our discipline. Greed and entitlement will be at an all time high with the easy question in the back of our

My Credit Journey

  My credit journey started off a little bit different than most, which included many struggles, but has been a interesting story so far! What I'll lay out for you guys here is how I tackled the basics of getting a qualifying credit score and each item that comes along with that. Most people know there are 6 sides highlighted in the credit worthiness process: Delinquencies  Age of Credit Utilization Payment History Inquiries/Hard Pulls Accounts (Opened AND Closed) I've listed these items in a very particular order and paying attention to this order is extremely important. Many people get obsessed with keeping Inquiries at a very low number and let everything else fall to the side. The truth of the matter is that if you keep everything else in check, Inquiries will be nothing to worry about. I personally carry 9 inquiries at any given time and have a very solid 770 credit score. Currently my biggest hits are from carrying a balance on certain credit cards from month to month a l

Would you retire early like so many Millennials are doing?

Photo by Kelli McClintock on Unsplash     Living a life on FI/RE   I didn’t really have a defined plan when I got into real estate investing. Some of you may know it all started with my personal residence purchased back in 2017. I had a burning desire to own a house and further than that, to own an income producing asset. There wasn’t much past that at that point. I knew I wanted to own houses and make money. It wasn’t until a couple years later that I discovered the FI/RE movement and how the average person across America is using the system in place to retire early and live a fulfilling life. It blew my mind to read of all these different, average America, people leaving their job to do whatever they wanted and just further solidified everything I’ve wanted to do.   Financial Independence / Retire Early   If you’ve never heard of the FI/RE movement….then you have now. It’s the idea that the average American can buckle down and save their way to financial success using mostly low ris