Toonie Newsletter

Home
Archive
About
How I Budget to Meet My Personal Net Worth Goals
By including all your incomes and understanding how to trim your expenses in the right spots, you can quickly meet your personal net worth goals each…
 • 
Josh Ginter
You Don't Need 6,500% Returns on GameStop to Reach Your Goals
I genuinely recommend staying away from the short-squeeze circus on GameStop.
 • 
Josh Ginter
What I Include in My Personal Net Worth
By including the right things in your personal balance sheet, you'll be better able to budget your savings and spending.
 • 
Josh Ginter
How I Use a Line of Credit to Unlock Deferred Income
It’s Friday friends!
 • 
Josh Ginter
How to Normalize Vehicle Payments and Have Enough to Pay Cash for a Vehicle
By paying yourself and driving that used car just a little longer, you'll have enough to pay cash for that new vehicle.
 • 
Josh Ginter
What is an Asset? What is a Liability?
I agree with Robert Kiyosaki, but not entirely.
 • 
Josh Ginter
The Two Pieces of My Annual Financial Plan
When using a budget in tandem with a personal net worth statement, you can unlock a new level of power in your annual financial plan.
 • 
Josh Ginter
Do You Have Everything to File Your Taxes?
The list of required documents to file your tax return seems to get longer and longer each year.
 • 
Josh Ginter
Building a Do-It-Yourself ETF Investment Plan
Using a little tech and a simple savings plan, you can build a no cost, 100% controlled, and completely balanced portfolio of your own.
 • 
Josh Ginter
Understanding the Difference Between Deferred and Current Income
Having a combination of deferred and current income is healthy, but you can only live to your current income.
 • 
Josh Ginter
Where Should I Start?
While paying off credit cards is a must, slowly paying debt and building assets along the way isn't the worst idea ever.
 • 
Josh Ginter
Yes, You Can Save Too Much Money
Though you need to save a good chunk each month to retire one day, I think most people can achieve the savings target. And then some.
 • 
Josh Ginter
© 2025 Josh Ginter
Privacy ∙ Terms ∙ Collection notice
Start writingGet the app
Substack is the home for great culture