Archive - Creative Financial Tips

Why I Use an Independent Insurance Agent (and You Probably Should Too)

Captive agents sell one company. After 15+ years and everything from a high-mileage minivan to a specialty car to business coverage, an independent…

Jun 30 • James Fredley

Stop Trading, Start Investing: My Long-Term Stock Market Playbook

You shouldn't be trading - you should be investing. A mostly-S&P 500 base, a small tech tilt, a tiny gambling sleeve - and a ten-year chart.

Jun 25 • James Fredley

342,000 Miles: How Driving Boring Cars Bought Our Freedom (and the Fun Ones)

The unglamorous vehicle decisions that set up my family - and the muscle-car payoff that came later.

Jun 23 • James Fredley

October 2025

How I Saved Over $138,000 in the last 9 Years on Monthly Health Care Payments

Unlocking Massive Savings Through a Health Care Sharing Ministry - Medi-Share

Oct 19, 2025 • James Fredley

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