Debt Free Direct Tour de Personal Finance, Stage 10 – Debt and Retirement Groups – Posts 25-32

Without further ado, let’s continue on with the 10th Stage (the 2nd Round of the event, featuring posts from the “Debt” and “Retirement Planning” groups category of articles submitted) of the 2013 Tour de Personal Finance (to follow all of the action, click on the Tour de Personal Finance category link and scroll down to read all the posts involved in this subject).

We greatly appreciate Debt Free Direct for being the title partner of the 2013 event and for all their great support. If you’re interested in learning more about the help and advice Debt Free Direct offers to people in debt or their money-saving tips on how to prevent building up debtclick here.


A Quick Reminder On Prizes For The 2013 Competition

The 2013 edition of the Tour de PF will be doubly exciting because we have some very nice cash prizes to give away to the winner and also to charity to continue helping the community.

These will be as follows:

  • Yellow Jersey (1st Place) Winner of the 2013 Tour de Personal Finance will receive $100 cash via PayPal.
  • In addition, the Yellow Jersey Winner will also get to decide what charity they want me to donate $700 to in honor of their efforts/victory. 


To view the most up-to-date brackets of the competition, click the following link – 2013 Debt Free Direct Tour de PF Bracket

Going along with Tour de France cycling tradition, I’ve listed each competition within each stage as an “intermediate sprint” (one post versus another) along with the description provided by the blog author when the post was submitted.

Also, if applicable, I will give a brief description of the stage of the Tour de France that took place the same day as (or that has happened since the previous Stage of) the competition.


How to Vote

You can vote for the two articles (one from each intermediate sprint)  you’d like to see proceed in the Tour by commenting in the comments section below and telling which are your favorites. I’ve listed a keyword after each post title to make it easy to vote (as a made-up example, you can just comment: Sprint 1: Mutual; Sprint 2: 401k, etc.) 

Be sure to comment which one you like the best out of each set of two! Criteria for the best article is completely up to you, but you can use these factors as a guide: 1) post of your favorite blogger, 2) most interesting post, 3) most thought-provoking post, 4) most unique post, or 5) most actionable post. Here are today’s competitions:

Voting will continue until July 8th for this Stage!


Intermediate Sprint #1



Intermediate Sprint # 2

  • How My Retirement Plans Got Derailed – Big Time! (Derailed): I left my secure job at a major bank to open a small retail store with my husband.  We struggled along for three years, using up almost all our savings and making the terrible mistake of financing the business with our many credit cards. Eventually we gave up and closed the store.  With no money and over $100,000 in credit card debt, we sank to our lowest point of despair.


  • Extreme Retirement is Fools Gold! (Gold): Doing anything extreme is unsustainable for any length of time.  Saving 60-70% to retire early so you could live a minimalist life is crazy!  I do not want to lower my standard of living in retirement, do you?


Tour de France Daily Recap

The Tour de France in real life continues today with Stage 7, a flat stage taking the riders 128 miles from Montpellier to Albi. I’ll be sure to bring an update on the race results once it finishes in the Sprints later tonight. Thanks!

***Photo courtesy of


  1. David John Marotta says:

    I am honored to have a post selected for this leg of the Tour de Personal Finance. Thank you for all those, who like me, VOTE LATE to propel the pedaling of this leg of the race for TEAM MAROTTA.

  2. Gold.
    This may be one of my best articles because it goes against PF Blogger wisdom! Extreme retirement or extreme anything is not sustainable and if it is, you are missing out on life for what? A frugal retirement is not the ideal and is not worth all the sacrifice. The goal should be a reasonable retirement and a reasonable life.
    krantcents recently posted…Why using your Facebook Friends to get referred into jobs beats job boardsMy Profile

  3. Late
    maria@moneyprinciple recently posted…Get Rich, Think Like a Rich PersonMy Profile

  4. Story
    Glen Craig recently posted…DOMA Goes Down: What Does it Mean for Same-Sex Finances?My Profile

  5. Alexandru Rusu says:


  6. story
    Justin recently posted…Finding a Career in the TradesMy Profile

  7. Very enjoyable and enlightening.

    Sprint #1: I vote for LATE

  8. Story
    Mike Collins recently posted…How to Stay Motivated and Keep Chugging Towards Your GoalsMy Profile

  9. Sprint 1: LATE!

  10. Matthew Hensley says:

    Quite the read

    Sprint #1:
    I vote for LATE

  11. Late
    Assaf recently posted…Why Do Some Investors Prefer Dividend Stocks?My Profile

  12. I agree with bob.

    sprint 1#: I vote for late too.

  13. story

  14. Late
    Miranda recently posted…4 Bathroom Makeover Ideas That Generate a Return on InvestmentMy Profile

  15. LATE

  16. Krisan Marotta says:

    Great article! Sprint #1: I vote for LATE

  17. Matheson Russell says:

    Very good advice.
    Sprint #1: I vote for LATE!

  18. I vote LATE

  19. I vote LATE

  20. Late

  21. Article is right on!
    “Sprint # 1 I vote for LATE

  22. Jean wren says:

    Good article David.

    Sprint #1: I vote for LATE

  23. Voting for this Stage is now closed. The winners are Late and Derailed and will advance to Round 3. Thanks to everyone for voting and participating! 🙂
    Jacob A Irwin recently posted…Why You’re Not Getting a Job After Graduating from CollegeMy Profile

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