Rick Orford

Rick Orford is a Personal Finance Expert and the Best Selling author of The Financially Independent Millennial. Rick has served as an elected director of a Canadian financial institution, and has been involved in several tech acquisitions in his 20+ years of experience. Indeed, he has a proven track record as a respected, influential business leader, and brings a proven ability to translate vision into reality.

a couple aged 62 wondering: when can you retire

The #1 Rule For Knowing When Can You Retire Happy (The Surprising Truth)

Are you wondering when can you retire? If so, you are not alone. Possibly. The key to knowing when can you retire is to know your Financial Independence Number (FIN). Your FIN tells you how much you need to generate enough income in retirement. To retire (at any age) and become Financially Independent, you need …

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credit cards

The #1 Thing Millennials Don’t Understand About Credit Cards

Now more than ever, banks market credit cards toward millennials.  The economy relies on consumer credit to keep it ticking along.  And banks have a seemingly endless supply of money to lend out to those who are both acceptable to it and creditworthy.  One of the favorite tools banks have to lend out money, quickly, …

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How to Generate Retirement Income From a Portfolio

Are you like many, wondering how to generate retirement income from a portfolio?  It can seem like a daunting question, but the answer is resoundingly simple. Financial Independence Number By now, you should have your financial independence number.  Besides, if you don’t already have it, click here to get it! As you know, your financial …

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millennials becoming financially independent

Financial Stability Fast Track – Everything You Need to Know

Congratulations! You have made the single most important step to financial stability. The entire process is about searching how to become financially stable. In my 20’s and early 30’s, I made tons of mistakes – and I covered it extensively in my book.  I overspent, misused credit, and basically lived a “Rock star” lifestyle- without …

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how to create an emergency fund

How To Sell Your Home For the Highest Price – 5 Tips

Are you wondering how to sell your home for the highest price? Indeed, selling your home can lead to a very lucrative payday. Here are five tips to optimize the process and increasing your chance of getting a better price. Choosing When To Sell Investing in Real estate is all about price.  There are great times …

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Getting a Mortgage for a Rental Property

Are you looking at getting a mortgage for a rental property? You might have considered increasing your passive income by purchasing a rental property.  This really can be an excellent “side hustle” and provide significant income to your bottom line, over time.   When buying a rental property, getting a mortgage is very similar to getting …

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