financial independence / early retirement

  • can I live off 200k??
    I received 200k from inheritance. I have no job(unable to), 31yrs old, no kids and single. My living expense is very low, less than 20k a year. From 200k, can I live off investing my inheritance? or should I use that money to open a business. My fear is that... Read more »
  • Sell my car or keep for side $$
    So I've been having a bit of a dilemma, my mother has recently moved to Austria and has left her car with me to do as I please and I'm wondering wether I should sell the car or keep it to drive it with Uber eats. I have my own... Read more »
  • Expat (currently in US) returning to Canada to FIRE
    – Reposting here since I only got upvotes but no comments on /r/fican – All of my savings are in USD but I am planning to FIRE in Québec (Montréal to be precise). I will hit my FI number (SWR 3.5%) in 2 years and RE by moving. My strategy... Read more »
  • Am I missing something? I can't be the only one forgetting to factor in taxes during withdrawl?
    So this has been bothering me a little lately and I'm not sure if I'm just missing something or what. Let's pretend that I need 40k/yr in order to safely retire. Now odds are, if you're like me you're calculating that 40k based on how much you spend in a... Read more »
  • Discord Chat for FI?RE
    Hey guys, There didn't seem to be any chat servers AFAIK for FIRE, so I decided to make my own discord group for the cause :). Link: https://discord.gg/kaXBbZm Discord is a chatting server like slack a bunch of cool features! Come by, say hi, let's talk about FI. submitted... Read more »

    ChooseFI Radio Podcast | Financial Independence | Early Retirement | The Tim Ferriss of FIRE

  • mp3036 | Community, Chatauqua & AMA with JL Collins
    In today's podcast with Jim Collins from The Simple Path to Wealth and JL Collins NH, we discuss the Chautauquas, in-person events plus an 'Ask Me Anything' series of questions from our ChooseFI community. In Today’s Podcast we cover: Part 3 with JL Collins from JLCollinsNH, the Simple Path to... Read more »
  • mp3035R | The 4% Rule | Friday Roundup
    In today's podcast we discuss our takeaways from Episode 35 with Big Ern from Early Retirement Now, plus paying off mortgages and student loans early and frugal wins of the week from the community. In Today’s Podcast we cover: The Friday Roundup after Episode 35 with Big Ern from Early... Read more »
  • mp3035 | Sequence of Return Risk | Early Retirement Now
    In today's conversation with Big Ern from Early Retirement Now we discuss safe withdrawal rates, sequence of returns risk and much more. In Today’s Podcast we cover: A wide ranging discussion with Big ERN from Early Retirement Now on sequence of return risk and safe withdrawal rates This is Big... Read more »
  • mp3034R | What’s Your Risk Tolerance | The Friday Roundup
    In today's podcast we discuss our thoughts on Part 2 of the Stock Series conversation with JL Collins, risk tolerance, doomsday scenarios and rebalancing. In Today’s Podcast we cover: The Friday Roundup and the episode Part 2 of our discussion with JL Collins from The Simple Path to Wealth and... Read more »
  • mp3034 | The Stock Series Part 2 | JL Collins
    This podcast is Part 2 of the Stock Series discussion with JL Collins, author of The Simple Path to Wealth and the website JLCollinsNH; we discuss the Great Depression and the mindset you need to be a successful long-term investor, plus how to allocate between equities and bonds. In Today’s... Read more »

    Early Retirement Extreme

  • Book recommendation for entrepreneurial and startup problems
    I just finished reading the E-Myth. It is slightly interesting from a strict early retirement perspective but more interesting/recommend for anyone who is engaged in entrepreneurial activities; particularly if they are still learning and come out of a different background. Incidentally, the E in E-myth has nothing to do with... Read more »
  • Read this rant and save 50-70%
    All too often shoppers are baited with “savings.” Sometimes these so-called savings are even “instant,” whatever that means. I’m guessing it means not having to navigate the hell of redeeming rebates? Rebates belong right up there with gift cards as horrible consumer finance inventions, but I digress. Such offers of... Read more »
  • How to do original research
    I have a confession to make. I write a personal finance blog, but I rarely read other personal finance blogs. There is a reason for that. Here is the reason. I find that once anyone get actively involved in any community, they will start to (subconsciously) adopt the thinking modes... Read more »
  • Sympathetic magic and the church of positive thinking
    Magical thinking is the cognitive mistake of confusing correlation with causation. It is a very common mistake and is due to a lack of critical thinking. A person is particular prone to this mistake if he is incapable of thinking “statistically”. To think statistically one must be able to reason... Read more »
  • Entrenching
    If it was not already clear, watching the Grammys showed that whoever is famous or the most popular is not necessarily the best or the most creative(*). Thus often it would seem that the only conclusive best metric of “the best” is that they have the best connections, that is,... Read more »

    Mr. Money Mustache

  • From Zero to Wealthy in Two Years – With AirBnb?
    By this point you probably know all you ever wanted to know, and more, about Mr. Money Mustache’s long-ago path to early retirement. But my story is only one of an infinite number of possibilities, which means it is valuable to look around at how other people are doing it.... Read more »
  • Introducing The MMM World Headquarters Building
    Almost exactly six years ago, I wrote a simple post about a pawn shop opening up in my town. It was during the very early days of this blog, and I figured it was an easy way to take some shots at that financially predatory industry. Also, the shop was... Read more »
  • Great News: There’s Another Recession Coming
    If you’ve been keeping an eye on the US economy in recent years, you might notice that things are looking pretty darned rosy. Unemployment is at its lowest level in 40 years, wages are rising, and house prices have not only recovered from their fiery crash of 2009 – they have... Read more »
  • Houston Attorney Thrives on Doing The Impossible – Daily
    In this extremely wealthy country of ours, the chief barrier to wealth is often the information, or misinformation that gets stuck inside our own heads. People with the right knowledge can develop the right habits, and these habits lead them to accumulate wealth very quickly. Meanwhile, the majority of people pick... Read more »
  • Exposed! The MMM Family’s 2016 Spending!
    Well, I might as well come clean on our spending for last year.  It either went up, or way up, depending on how you want to account for things. Every year, this annual report seems to come out a little bit later – mostly because I’m no longer all that interested... Read more »

    The Wealthy Accountant

  • Forensic Accounting: The High Paying Part-Time Business
    Fifteen years ago a client who has since passed away had a complaint. He explained his uncle had died and the family was having a difficult time finding his money. The family knew his uncle had money, but he hid...... Read more »
  • The Hidden Tax: Transaction Costs
    Living a frugal lifestyle sometimes lends to a false sense of security. We take all the financial precautions to increase our savings rate and invest in broad-based index funds. Before long the net worth starts reaching for the stars and...... Read more »
  • Meet Mister Cohan: The Client Who Never Keeps Tax Records
    Today I have a very special guest I would like you to meet: George M. Cohan. George has been a regular fixture of my practice from nearly the first day. But he has one serious problem; he hates keeping business...... Read more »
  • You Still Get Paid
    Reaching the lofty goal of financial independence comes with some secret advantages. Early retirement and success coupled with wealth allows you a freedom few can even imagine until it is reality. What is this secret advantage no one is talking...... Read more »
  • Intermittent Fasting Versus Long-term Fasting
    Growing up on a dairy farm in northeast Wisconsin in the 1970s had its advantages. Computers were the stuff of Star Trek reruns and staying in the house was a form of punishment. The kids in my family loved summer....... Read more »

    Mad Fientist

  • Valuable Lessons from My First Year of Freedom
    It's been exactly one year since I left my full-time job and here are the most important lessons I've learned during my first year of early retirement! Read more → The post Valuable Lessons from My First Year of Freedom appeared first on Mad Fientist.... Read more »
  • mp3The Happy Philosopher – Semiretirement and Finding Happiness
    The Happy Philosopher joins me on the podcast to discuss semiretirement, job sharing, happiness, and the challenges doctors face during their pursuit of FI! Read more → The post The Happy Philosopher – Semiretirement and Finding Happiness appeared first on Mad Fientist.... Read more »
  • The Complete History of the Mad Fientist
    Check out the full story of the Mad Fientist and learn about all the financial discoveries, experiments, and optimizations that have occurred in the lab! Read more → The post The Complete History of the Mad Fientist appeared first on Mad Fientist.... Read more »
  • mp3Mr. Money Mustache – Early Retirement Made Easy
    Mr. Money Mustache shares his financial independence and early retirement secrets in an interview for the Financial Independence Podcast! Read more → The post Mr. Money Mustache – Early Retirement Made Easy appeared first on Mad Fientist.... Read more »
  • mp3Think Save Retire – Selling Everything and Retiring to an RV
    Steve from ThinkSaveRetire.com joins me on the Financial Independence Podcast to talk about how moving into an RV helped him retire 5 years earlier! Read more → The post Think Save Retire – Selling Everything and Retiring to an RV appeared first on Mad Fientist.... Read more »

    Millennial Revolution

  • Investment Workshop 40: Still at Chautauqua
    Hello again and welcome back to the Millennial Revolution Investment Workshop! New readers, please click here to start from the beginning. This is going to be a short post today, as we are tragically sequestered away in what appears to be an 18th century manor nestled away in the British... Read more »
  • VideoChautauqua UK
    Hey y’all! We are in the UK this week at Chautauqua! Woo woo! So as we’ll be busy all week interacting with our kickass readers and fellow blogger heavyweights JLCollins, MadFientist and Vicki Robins (author of Your Money or Your Life), we won’t be doing our regularly scheduled posts this... Read more »
  • Reader Case: Trying to Swim with a Boulder Tied To Your Leg
    Hey there readers! I’m writing to you from Berlin, Germany and one of the most surprising things here is how affordable everything is despite how many well-paying jobs there are! When it comes to expensive housing, everyone loves to say “yeah, but it’s a ‘World City’ and that’s why it’s... Read more »
  • Investment Workshop 39: Investing With Debt
    Hello again and welcome back to the Millennial Revolution Investment Workshop! New readers, please click here to start from the beginning. We recently received an email from a reader that went something like this: I know your stance on buying a house, and I agree with your reasoning.  However, I... Read more »
  • Will Trump Kill the Mortgage Interest Deduction?
    When I asked FIRECracker about today’s article, she responded by growling and jabbing at her Chautauqua UK speech, so today I’ll be filling in for her Monday post. As you all know, I’ve been keeping a pretty close eye on what the American politicians have been up to, not because I... Read more »

    Root of Good

  • July 2017 Financial Update
    It's a rainy day in the outskirts of Koblenz, Germany and I finally have time to crank out the latest monthly financial update. It's 60 degrees and drizzling all day. The fog rising over the farm fields obscures the view of the next village over. Though a rainy day would... Read more »
  • Surprising Finds in Lisbon, Portugal
    The Root of Good family started its grand nine week European vacation with five days in Lisbon, Portugal. After a short flight from Raleigh, Lisbon is an easy 7.5 hour overnight flight from Washington, D.C., so our transatlantic flight to Europe was relatively painless. We arrived at 10:30 in the... Read more »
  • June 2017 Financial Update
    This month's financial update comes to you from Ljubljana, Slovenia - an undiscovered gem in Europe. We are about to head to Lake Bled, Slovenia for some hiking, lake-lounging, and more relaxing. After that we're on to Austria, Germany, and the Czech Republic for the next month before ending our... Read more »
  • May 2017 Financial Update
    May is all done, and it proved to be another great month for our household. Our net worth climbed $23,000 to $1,828,000 (another all time record high). Our income was huge at $9,149 while our expenses remained moderate at $1,829. The kids are out of school in a few more... Read more »
  • Our Early Retirement Didn’t Go As Planned… Our Net Worth Went UP Half a Million Dollars!
    In contrast to early retirement modeling that looks for all the worst cases and failure modes, our actual life the past almost four years illustrates that good things can offset the bad events in life. Financial planning for early retirement is pretty straightforward. Figure out how much you plan on... Read more »

    Go Curry Cracker!

  • Personal Thoughts on Personal Capital
    Since my college days of living hand to mouth, I’ve tracked every penny I’ve earned and spent. It was a bit necessary if I wanted to have more month than money. At first I used pencil & paper, then a spreadsheet, and eventually Quicken. Years later, after reading Your Money... Read more »
  • Global Family Connections
    I’m from a good sized family, the oldest of 4 children. I have 9 nieces and nephews. Both parents have 5+ siblings. My Grandmother has 16 grandchildren and 24 great grandchildren, of which I am her favorite. (Obvi) You can’t pick your family, but I’m fortunate to have been dealt... Read more »
  • Completing the IHG Q2 2017 Accelerate Bonus
    Disclosure: this page contains affiliate links. This means if you click on a link and make a purchase, we will receive an affiliate commission. Recently I mentioned that our upcoming visit to Philadelphia will earn us a few free hotel nights. Several people wrote to ask how that works. Sorry... Read more »
  • Happy Independence Day! (+ Meetups)
    Happy Independence day to all of those who celebrating around the globe (either America’s Independence Day or your own.) Things have been quiet on Go Curry Cracker these past few months as we’ve been in full on travel mode, so today I just wanted to share a quick update and... Read more »
  • Packing for Perpetual Travel
    The night before you head out on vacation is often fraught with manic activity… send that last work email, give a key to the neighbor, pack the bags… “Do you think I’ll need a sweater at night?” Better bring it. “Will it be warm enough to swim?” Bring the bathing... Read more »

    1500 Days to Freedom

  • Gratitude Found Through Perspective
    Shannon and Sergio who write over at Screw the Average guest post today with a healthy dose of gratitude! Screw the Average is a pretty great blog name, but I like their tagline even better: be an outlier. And these two are definitely … Continue reading → The post Gratitude Found Through Perspective... Read more »
  • Vacation Update 4: Sleep, Sheep, Covfefe
    We’re back from vacation now, but I have one last travel update. Ask the Readers returns next week. Mrs. 1500 and I spent the last part of our vacation visiting with the Mad Fientist and his wife, the Mad Fientista. We spent … Continue reading → The post Vacation Update 4: Sleep,... Read more »
  • Vacation Update 3: NYC!
    I’m on vacation, but I can’t quite stay away from the blog, so I’ll regale you with vacation pictures and tales from the big city. This post was supposed to go in chronological order, but after seeing the September 11 … Continue reading → The post Vacation Update 3: NYC!... Read more »
  • Living Small and Saving Big
    While I’n on the road, I’m featuring guest posts. Today’s comes from Owen over at PlanEasy. In a past life, I had a 4500 square foot home. It was ridiculous. Why does a family of 4 need a home with 4 … Continue reading → The post Living Small and Saving... Read more »
  • Vacation Update 2: Verdant, Voluptuous, Vibrant Vermont
    I’m on vacation, but I can’t quite stay away from the blog, so I’ll regale you with vacation pictures and tales from the road. We spent our first six days of vacation in Maine and it was spectacular. After the … Continue reading → The post Vacation Update 2: Verdant,... Read more »

    Physician on FIRE

  • 2017 Q2 PoF Portfolio, Spending, and Blog Performance Update
    With the third quarter nearly halfway over, I may be a bit overdue with this one, but better late than never, right? One advantage to getting this out late is the ability to include some sites’ quarterly reviews which don’t come out until a few weeks into the subsequent quarter.... Read more »
  • The Sunday Best (8/13/2017)
    The Sunday Best is a collection of articles I’ve curated for your reading pleasure. Expect most of the writing to be from recent weeks and consistent with the themes presented on this website: investing & taxes, financial independence, early retirement, and physician issues.   Presenting, this week’s Sunday Best:   Pull up... Read more »
  • How to Think About Illiquid Investments
    Today’s post was written by the host of the Freedom Formula for Physician’s Podcast, Dave Denniston. The chartered financial analyst has chatted with a number of physician authors you may be familiar with, including: Jim Dahle, MD of The White Coat Investor Kevin Pho, MD of KevinMD Cory Fawcett, MD... Read more »
  • Second Generation FIRE
    A couple months ago, I was chatting with Jonathan and Brad of ChooseFI just before we started recording a podcast. They asked if I had been listening to their shows, and I really, really wanted to answer in the affirmative, but the truth was I hadn’t listened to a single... Read more »
  • The Sunday Best (8/6/2017)
    The Sunday Best is a collection of articles I’ve curated for your reading pleasure. Expect most of the writing to be from recent weeks and consistent with the themes presented on this website: investing & taxes, financial independence, early retirement, and physician issues.   Presenting, this week’s Sunday Best:   The 23-Year... Read more »



  • Kibanda, Part 2: Negotiating the deal
    Kibanda from the road It is interesting. With a beach house, “front door” and “back door” become meaningless. Guess we’ll have to get used to “lake side” and “road side” Anyway, back to our story. As you recall, Part I ended with… Lying in bed that night I realized, at... Read more »
  • VideoTime Machine and the future returns for stocks
    These days the consensus view, looking out over the next few decades, seems to be we should expect more modest returns from stocks than we’ve enjoyed over the past few. They see factors forming that look to act as a drag on what we might otherwise historically expect. Indeed this... Read more »
  • VideoKibanda: Mr. Anti-house buys his dream house
    Well, beach shack anyway… Kibanda cha Ziwa Of course, it is not about the house. It is about this: Ziwa Having the occasional Bald Eagle drop by doesn’t hurt… But wait. Aren’t I the guy who preaches against owning houses? Well, I guess when you publish posts like… Why Your... Read more »
  • Is there an interior designer in the house?
    A little over a year ago I finally completed the manuscript for my book. But as anyone who has been thru the process will tell you, that is just the beginning of a whole new set of tasks. Most of which require specialized expertise. In a rare stroke of brilliance,... Read more »
  • VideoThe Simple Path to Wealth goes Audio!
    Some, like the young lady on the right, prefer reading a physical book. In the case of mine, holding it upside down seems to help. Others, like the young lady on the left, clearly have mixed emotions. Or maybe they just haven’t discovered the upside down trick. For her, and... Read more »

    Financial 180

  • Don’t Fear The “Penalty”!
    Few concepts are as misunderstood in the FIRE community as the (ominous voice) “early withdrawal penalty.” More accurately described as section one of tax code §72(t)*, this is the additional 10% income tax that applies to withdrawals from tax deferred retirement accounts taken before age 59½. As I browse the... Read more »
  • The Milestones of FI
    **Update 7/17: The Milestones of FI is now a featured episode of the ChooseFI podcast! We elaborate on the content of this article, and discuss a few additional milestones as well. Check it out here.** When my wife and I first discovered the financial independence community, we were beyond excited.... Read more »
  • VideoThe Power of FU Money
    I’m writing this post from beautiful St. Simons Island, relaxing in the sun and enjoying a much-needed vacation away from work. A vacation which, interestingly enough, wouldn’t have happened if I didn’t leverage the power of FU money. What is FU money? Well, I’ll let Jim Collins, the author of “The... Read more »
  • We’re on ChooseFI!
    This week, the wife and I were guests on the ChooseFI podcast! Brad and Jonathan had us on the show to discuss our Financial 180, and we had a blast. Listen here! Some highlights: How we went from spending six figures to saving 85% of our income Discussing Financial Independence... Read more »
  • Adventures in Real Estate
    It's been a busy month for the FI180 household! My wife had a birthday, I wrote a guest post over on the FireyMillenials blog, a mustachian friend from Warner Robins made a visit, and we got to record an episode of the ChooseFI podcast, scheduled to air later this month. But perhaps most... Read more »

    Early Retirement Now

  • Ask Big Ern: A Safe Withdrawal Rate Case Study for “Rene”
    Welcome! Today is the third installment of our Case Study Series. Please check out the other two posts here if you haven’t done so already: Ask Big Ern: A Safe Withdrawal Rate Case Study for “John Smith” Ask Big Ern: A Safe Withdrawal Rate Case Study for “Captain Ron” Today’s volunteer... Read more »
  • U.S. Equity Returns: History and Big ERN’s 10-Year Forecast
    Expensive equities are a hot topic these days. Jack Bogle warned of lower expected equity returns recently (only 4% nominal!) and the CAPE has finally crossed 30 this month, according to Prof. Shiller. What does that mean for investors? What does it mean for early retirees? There has been a... Read more »
  • Check out ChooseFI today for Big ERN’s first podcast appearance!
    A few weeks ago I had the honor of talking to Jonathan and Brad over at the awesome ChooseFI podcast. Today, this long-awaited episode finally went online, so I hope everybody heads over to check out this podcast: —> ChooseFI episode with Big ERN <— We covered safe withdrawal rates, sequence of... Read more »
  • Active Investing: Opportunity vs. Futility
    Almost everywhere in life, the word “active” has a positive connotation. An active lifestyle, an active personal life, an active participant in a discussion, etc. In contrast, “passive” stands for low-energy, dull and boring. Imagine setting up a friend on a blind date with a nice gal/guy who has a really... Read more »
  • Ask Big Ern: A Safe Withdrawal Rate Case Study for “Captain Ron”
    A month ago, I did a case study for a fellow FIRE planner (“John Smith”) and the reception was awesome. So why not do more of those? Without even asking for volunteers, I already got two more fellow FIRE planners who contacted me via email and shared their financial parameters. Today’s case study... Read more »

    Independently Financed

  • Things I learned from an actual big bank advisor portfolio
    If you follow the world of financial advice at all, you know that professional financial advisors don’t have much patience for the so-called advisors you find tucked away in the corner of bank branches or affiliated with brokerage houses. Unlike fee-only Registered Investment Advisors, such firms have substantial flexibility to... Read more »
  • If a gap year is good, a gap life is even better
    Last week Noah at Money Metagame announced he and his wife were considering what he called a “gap year:” taking time off from the workforce to go on an “epic road trip across the country.” I thought this was an excellent idea, and told him so on Twitter. Then I started... Read more »
  • Independently Financed has a Patreon page!
    Many people are saying, “sure, I love Independently Financed, but I’m upset there’s no way I can express my support in tangible terms, like a monthly contribution.”Other people are saying, “Independently Financed is literally the worst blog, but I don’t have any way to express my disgust with its author’s... Read more »
  • Why do people operate investment vehicles?
    There is a question which I find fascinating but which everyone else seems to treat as utterly banal: why do people operate mutual funds, hedge funds, real estate investment trusts, and other investment vehicles for the benefit of other owners and shareholders?After all, if you really believed that a long/short... Read more »
  • VideoBen Sasse is running for President and wants you to buy his book
    Ben Sasse, the junior Republican Senator from Nebraska, has begun his campaign for what we used to call the highest office in the land, and he has begun it with a lie. The lie is found in the opening paragraphs of his recently published book, “The Vanishing American Adult, Our... Read more »

    Financial Samurai

  • Silent Threats In The Night: A Forgotten Memory Until Charlottesville
    In the summer of 1996, I got in my rusty Toyota Corolla hatchback and took off on a five and a half hour drive south from the suburbs of Washington DC to a sleepy town called Abingdon, Virginia. I wasn’t sure if I’d make it because I had never driven... Read more »
  • What’s The Best Age To Have A Baby? 20s? 30s? 40s+?
    As a 40 year old, I’m an old first time dad. I’m reminded of my old age every time I bend over to pick up my little one from the bassinet. My lower back aches and my knees sometimes dangerously buckle if they bend too far. Oh to be 25... Read more »
  • The Google Manifesto: Conform Or Perish
    Once upon a time, I was 28 and dumb. But I was never as dumb as author James Damore who wrote a 3,200 word manifesto saying the reason why women and some minorities aren’t more represented at his firm is due to biological differences. True or false, that’s offensive to the women and minorities who made it to... Read more »
  • What Percentage Of Americans Own Stocks Or Real Estate?
    Now that the economy is on fire, all Americans should be rejoicing in their wealth, right? Wrong! Only 52% of Americans own any stocks according to a recent Gallup poll and only about 63% of Americans own real estate according to the Census Bureau, down from a high of about... Read more »


  • This Month On The Homestead: Harvest Time, Berry Time, And Toilet-Fixin’ Time
    If you’re just tuning in, this is a recurring series in which I document each month of our lives out here on our 66-acre Vermont homestead. After leaving urban Cambridge, MA in May 2016 to chart this wholly different life, we’re experiencing a constant learning curve of exploration (and plenty of stupid... Read more »
  • Reader Case Study: Moving To Europe From South Africa, Trying To Make Ends Meet
    Welcome to this month’s Reader Case Study in which we’ll address Clara’s questions on where to move her family and how to make ends meet every month. I’m particularly excited about Clara’s story as it’s a unique angle we haven’t addressed before: she currently lives in South Africa with her family but plans to... Read more »
  • Shelves And Other July 2017 Expenditures
    Our basement, as previously disclosed, is undergoing a vast improvement plan. Our Cambridge, MA home (the one that’s now a rental) has a delightful panoply of built-in shelves in its basement, which suited our needs just fine. Here in our Vermont home, however, the basement is a huge, empty, concrete-floored cavern.... Read more »
  • There’s No Perfect Time To Start Being Frugal
    There’s no perfect time to start being frugal. Come to think of it, there’s no perfect time to start doing anything! Life, by its very definition and practice, is messy, imperfect, laden with surprises both quotidian and profound, and undeniably averse to our best laid plans. And that, my friends,... Read more »
  • Frugal Minimalism: Do Less, Buy Less, Worry Less, Live More
    I’m currently engaged in what can only be described as a battle with our basement. When we moved to our homestead last May, we established a mentality and practice of minimalism in our home. Mr. Frugalwoods and I eliminated just about every object that we don’t actively use on a daily basis.... Read more »


  • I’m not looking forward to the recession
    Let’s face it: A recession is coming. But then again, a recession is always coming – just like an economic boom – because the market naturally ebbs and flows. Even so, most of us understand that we’re probably rounding third in our current boom. Many of us who love the... Read more »
  • Ask me anything! All the answers
    Last week, I published a post asking for questions about, well, anything. The deal was simple: The floor is open to any appropriate question, and I’ll answer as honestly as I can. Today, I answer them. Ready? Here we go. All questions will be italicized. My answers are provided below... Read more »
  • The one thing to start doing now to get rich in about a week
    Want to get rich, quick? Say, in like a week? Believe it or not, I have the solution! I found it. After years of near expert-level badassery, living my “zen” like a monk in Tibet and diving with the sea turtles in the Galapagos Islands, I’ve found the answer to riches.... Read more »
  • The Friday Feast ~ the 11th of August
    The personal finance community is filled with so many talented writers and inspiring families in search of something better out of life than the traditional society-approved plan of buying lots of stuff and retiring in your 60s if you’re lucky. I am changing things up a bit! Most of you will probably... Read more »
  • You’re 40 and broke; now what?
    Let’s say you’re 40, wake up one more and suddenly realize that you’re practically broke. Hardly any savings. Your career seems never-ending. How can you turn things around and begin rapid wealth accumulation so you aren’t working until the day you die? Brian Loman is here to push you in... Read more »

    Military Guide

  • Camp Mustache 4 Encore (And A Free Book!)
      [Nords note: My spouse and I are still on Mainland slow travel, and we’ll head back to Oahu in mid-July. Maybe we’ll see you at a military Space A passenger terminal!]   We spent another Memorial Day weekend at the Rainbow Lodge in the bustling megalopolis of North Bend,... Read more »
  • The Military Blended Retirement System: “Dude, Where’s My Calculator?”
      [Nords note: I’m on Mainland travel through mid-July: Seattle, Norfolk, and Ocean City. I’ll update this post as DoD rolls out the changes.] [Ah, good, the DoD BRS calculator has been officially released.]   A reader asks an outstanding question: Does it make sense to opt in to the... Read more »
  • VideoYour Auto Insurance Premiums Are Rising, But It’s Not Just You
      My social media has lit up this year with complaints about vehicle insurance. It seems as if every military family who’s transferred to a new duty station has paid more money to insure the same autos and the same drivers. Even families who haven’t moved (yet) are unhappy when... Read more »
  • How To Turn Your Next PCS Into A 20% Raise
    How to Choose Your Next Duty Station Choosing your next duty station or even creating a list of potential new homes is possibly the most stressful part of being a military member. For me, on the officer side, I know that I will move every 3-4 years like clockwork and... Read more »
  • Free Mentoring And Networking For Military Entrepreneurs
      Sharks And Stripes 2: Camp Pendleton, CA, 13 June and live online. Do you need a little help with your business idea? Are you growing your revenue but not sure how to reinvest it for growth? Are you worried about financing or interested in talking with an investor? Rey... Read more »

    Can I Retire Yet?

  • Designing Your Home Ownership to Retire Earlier
    The following is a guest contribution from reader and blogging friend Chris Mamula, a pending early-retiree in his 40’s. Chris has been writing on personal finance topics for several years. His efforts first came to my attention with his insightful review of my second book. In this post, Chris explores... Read more »
  • Raising Cash: My Retirement Withdrawal “System”
    Our cash was running low. It had been a year and a half since I sold significant assets. Last month, when I added up our liquid reserves, they were down to about six months of living expenses. For many a young worker that would be a cushy emergency fund. But... Read more »
  • Generating Retirement Income Before Age 59-½
    You’ve saved diligently your entire working career. You’ve maxed out your retirement savings accounts. And it’s paid off. You’ve reached the point of financial independence, early. Or, maybe you were laid off, or took an early severance package. Whatever the reason, like me, you got to retirement ahead of the... Read more »
  • Dealing with an Inherited IRA
    The letter caught me by surprise. Titled “IRA/ESA Certificate Maturity Notice,” it was from a major credit union where, so far as I knew, I had no accounts. The document went on to say that an IRA Certificate of deposit, with my name on the account, was scheduled to renew... Read more »
  • Gone Fishin’
    Are you a beach person, a lake person, a mountain person, or a mixture? For my money, there is nowhere more beautiful on earth than the high peaks in summertime. I don’t fish much, but I sure do like to camp, hike, and bike in the mountains. This summer we... Read more »

    Money Metagame

  • VideoThat Time I Found $71 on the Internet
    Just over a month ago, I was logging into Credit Karma to check my current credit score estimates and noticed a targeted message on the login page: “We found $71.40 that might be yours, Noah”.  At first I tried to brush it off as just another ad, but it managed... Read more »
  • Guest Post: The Ultimate Credit Card Rewards Hack
    Today, I wanted to share some great content from my favorite blog written by an accountant: The Wealthy Accountant!  It’s not a traditional guest post in that Keith wrote it specifically for this website, but rather he gave me permission to share his writing here on my own blog. This... Read more »
  • Crazy Thought: What If We Took a Gap Year?
    While Becky and I have been saving aggressively for the past few years with financial independence (FI) as a goal, we’re still several years from being able to walk away from work completely.  Despite the fact that we haven’t fully achieved FI yet, the amount of savings we have accumulated does... Read more »
  • 2017 Mid-Year FI Report Card: Things Are Going Quite Well
    We recently crossed the half way point of 2017 and I thought this would be a good time to dive into the status of our financial independence (or FI) journey.  Not to long after starting this blog a couple of years ago, my wife and I laid out a rough... Read more »
  • Stacking Discounts To Save Over 40% on Regal Movie Tickets
    I’ve previously written about many different ways to save money going to the movies, but this time I thought I’d dive into a specific example that lines up nicely with the latest 5% back category on the Chase Freedom.  This plan closely follows our own strategy for saving money on... Read more »

    Budgets Are Sexy

  • How I Learned to Stop Worrying About Money and Quit My Job
    [As part of our new weekly column by Mr. 1500 of 1500Days.com] ****** I left my job about 4 months ago and haven’t regretted it a bit. My career didn’t even last 20 years. I started my first real job in January of 1998 and my last day was April 13th... Read more »
  • What Would You Do With An Extra $1,000?
    I came across this gem while decluttering some old “memory” boxes the other day… (the hardest to declutter btw – good lord!): In case you can’t read that, it says I would do the following if I were given $1,000 back in the day (mid-80’s): Buy 3 Nintendo games Buy... Read more »
  • My Life (And Finances) After Escaping a Cult
    [Hey guys! Please welcome Ava to the blog today – a newer blogger on the scene with an INCREDIBLE backstory. She blogs over at MillennialMoneyChallenge.com and is on a mission to go from cult survivor to financial independence by 40 (!). I was blown away after stumbling across her “about”... Read more »
  • Are You Saving Like the Titanic?
    [As part of our new weekly column by Mr. 1500 of 1500Days.com] ***** Did you know that the Titanic almost didn’t sink? Here’s what happened: The captain took corrective action when the ship was about 1000 feet away from the iceberg. The starboard (right) side of the ship brushed the ice,... Read more »
  • Net Worth Update: $660,442.69 (+$12,000)
    What’s up money lovers! I’m a bit late to the game this month, but as always our latest net worth numbers are posted below. And also like always, 95% of it rides on the whims of the market 😉 Which thankfully I believe in, or else it would really feel... Read more »


    Money Boss

  • Financial Freedom Is Time Freedom
    For the past month, my entire life seems to have revolved around repairs and maintenance on the new house. Some days, I’m the one doing the work: shoveling level ground for a planned writing shed, crawling under the house to check for leaks, pruning the overgrown hedges. Most days, however,... Read more »
  • How to Stay on Top of Home Improvement
    Earlier this week, I published an article comparing a half-ass homeowner to a Money Boss homeowner. While the piece made some important points about maintaining your home, those points were clouded by overly emotional (even petty) comments on my part. This article is a revision of the previous piece with... Read more »
  • Our New Home: The Good, the Bad, and the Ugly
    I know it’s been quiet around Money Boss recently, but that’s because it’s been a busy three weeks in Real Life. Kim and I spent the latter half of June packing the condo and prepping to move. Last Friday evening, we picked up the keys to our new place. We... Read more »
  • The Key to Financial Freedom
    It’s been a crazy couple of months for me. Since April, most of my time has been dedicated to selling our condo and buying a new home. Now, at last, the turbulent times are almost over. Kim and I closed on the condo last week, and we’ll close on the... Read more »
  • How to Do Great Work
    I’ve been frustrated lately with the quality and quantity of my work. I haven’t produced as much here at Money Boss as I would like — due largely to the fact that I’m selling one home and buying another — and what work I have produced isn’t as good as... Read more »

    The Happy Philosopher

  • The Cult of Productivity
    Fitter, Happier, More Productive Productivity is great, right? I mean who doesn’t want to be more productive. Productivity means you are doing things, often important things. And getting things done is what we do. Society needs people buzzing around doing stuff to keep the hive running smoothly. Idle hands are... Read more »
  • Reflections on Pain: Part 2
    Pain I just finished a stretch of three months of full-time work due to my partners’ maternity leave. It was a tough transition to be honest, but I adjusted to the busier life within a few weeks. The worst part about it though, was about half way through I tweaked... Read more »
  • Hanging Out With The Mad Fientist
    He Blinded Me With “Fience” Last spring I found myself at Camp Mustache, a multi-day retreat centered on the ideas of the financial independence blogger Mr. Money Mustache, who writes about financial freedom and other related topics.  I wrote about my experience there in this post.   While I was... Read more »
  • Happy Philosopher’s Weekend Reading: Volume 9
      Hello philosophers. Welcome to the most sporadic and inconsistent weekly round-up on the internet. Happy Philosopher’s Weekend Reading is a collection of great material I’ve stumbled upon and feel compelled to share with you.   Derek Sivers is one of my favorite writers. He writes infrequently, but it is... Read more »
  • The Power of Eating Together
      Eating I’ve discussed eating before in a previous blog post. It was about changing my diet and experimenting with what made my body feel good. There are other important aspects of eating though. Food is not just physical nourishment, but psychologic nourishment as well. Eating a meal has a... Read more »

    The Millionaire Educator

  • Journey to Launch Podcast
    Greetings to any visitors making their way here from the Journey to Launch website.  Last month,  Jamila and I spoke for 45 minutes about some of my favorite topics:  457 plans, hardcore savings, frugal living and wealth building in general.  All in all, I think the podcast turned out great.... Read more »
  • Cable, Internet, & Phone for $28 a Month
    Summer fun greetings to all my millionaire readers.  It’s time to take a look at an expense that really used to irritate us:  our cable-internet-phone (CIP) bill.  Back in the day, we used to pay almost $2,000 a year for our various service packages, but those days are gone forever.... Read more »
  • 2017 Mid-Year Report
    Greetings millionaires, with half the year gone already, it’s time for a mid-year report.  We’re currently visiting family in Tifton, Georgia, and we’ll soon be taking a trip to Chattanooga to visit more relatives.  So far, the highlight of the summer has been the completion of Eduardito’s 5th-grade homeschooling program.... Read more »
  • My Advice to the Class of 2017
    This post is for all the future millionaires who will be graduating from high school and college over the next few months.  While it’s more common to read graduation posts in May, I wanted to get this post out early before the senioritis took over completely.  (I’m sure my readers... Read more »
  • How We Generated $2,000 of Free Money to Fund Our Son’s College Account
    FIRE’d, frugal greetings to all my millionaire readers.  (Hi Mom, Josh, and Miguel!)  Okay, as most of you already know, I’m bat-guano crazy.  Once my mind gets going on something, there’s no stopping it.  In January my mind began to percolate on how to fund $2,000 to our son’s Coverdell... Read more »

    Fiery Millennials

  • VideoMy 10 Year Plan: 2017 Update
    I typically update my long-term projections each year around late spring. Due to the fact someone pressed the fast forward button on my year, I'm updating it now instead! If you're unfamiliar with my 10 year plan series, you can catch up by reading 2015's iteration and 2016's post before... Read more »
  • Monthly Status Report: July 2017
    Disclaimer: some links may be affiliate links. They help offset the cost of keeping this blog running! Why do I do a monthly status report? I find it best to do a monthly status report for a few reasons. It helps me evaluate how I did the previous month. Did I hit... Read more »
  • You Suck….. and It’s Ok
    Very few people can try out a new skill and be perfect from the start. Sadly for my inner type A perfectionist personality, I am not one of those people. I've tried a number of new activities lately and sucked at the vast majority of them. But you know what? It's... Read more »
  • Blocks and Barriers
    Have you ever crafted a to-do list for the day in the morning, full of motivation and inspiration that today is the day you are going to get things done! …….and then bed time rolls around and you've only done one easy item…. maybe two if you're lucky. What stops... Read more »
  • Mid-Year Check In
    How time flies! I can't believe the year is already half over. Seems like just yesterday the weather started to warm up. Now it's almost too hot and humid to function normally outside! At the beginning of the year, I declared 2017 to be the “Year of Caring“. Based on... Read more »

    Millennial Boss

  • I Want to be an Adventurous Old Woman When I Grow Up
    I’m not sure how else to say this but I want to be the “crazy old woman” someday. You know, the kind who wears bold clothing, says absolutely whatever she wants, and has an adventurous spirit. Whenever I see a badass older woman like that, I aspire to be her... Read more »
  • Feature Friday: Traveling Lady Boss with a 7 Figure Amazon FBA Business
    Today’s Feature Friday post is from Brianna who has built a seven figure business while traveling. The majority of her income comes from selling on Amazon FBA.  Her story is crazy inspiring and has me thinking of what is possible for my side hustle selling physical products on Etsy. I’m launching... Read more »
  • 5 Ways to Travel and Get Paid Through Work Abroad Programs
    I’m excited to share this guest post with you today. Alexis is a full-time travel blogger over at FITnancials.com. She writes about healthy living, how to travel abroad for free, and personal finance. She also has a free resource library filled with printables such as travel checklists, meal plan templates,... Read more »
  • July Online Income Report – $1966 with Etsy and Blogging
    I love summer. I’m having so much fun hiking, camping and exploring. All this time outside is really testing this experiment in online passive income. I did one good thing though,  I scheduled blog posts out weeks in advance this month. Most of the posts I published in July were written... Read more »
  • Feature Friday: How I Crushed Over $200,000 in Student Loans
    Our guest today paid off over $200,000 of student loans. Crazy! I know him as the personal finance blogger at Big Law Investor, where he shares money tips for high income professionals. Read about how he paid off that crazy amount of debt below. Have you paid off your student... Read more »

    Slowly Sipping Coffee

  • One More Year Syndrome is Legit
    I used to think that One More Year syndrome was due to people not really wanting to retire or not having anything to retire to. Lately, I totally understand why people would get caught in the One More Year cycle.… The post One More Year Syndrome is Legit appeared first... Read more »
  • Throwing Water on Our FIRE!
    I knew things were off the rails when Mrs. SSC said, “I wouldn’t say we’re back to square one, but…” Yep, we’ve been having lots of “those types” of discussions. I think it’s a confluence of a few things really.… The post Throwing Water on Our FIRE! appeared first on... Read more »
  • VideoWhen Work Makes You Want to Quit EVEN Sooner.
    What a week it has been around the office. I’ve been back for a week from our most recent vacation up to the MT/ID area, and I was feeling pretty refreshed. I had gone the whole vacation not even thinking… The post When Work Makes You Want to Quit EVEN... Read more »
  • According to “Retirement Calculators” I’ll Never Retire…
    Last week I was on some random PF site and I saw a retirement calculator at the bottom of their site. Just for grins I threw in some numbers similar to our projections and OMG was I surprised at the… The post According to “Retirement Calculators” I’ll Never Retire… appeared... Read more »
  • Choose FI Podcast Interview: How we got here and even more SSC household background!
    A while back I got an email request to do an interview with the guys over at ChooseFI and thanks again to reader Isaac and others who recommended us for an interview. It was really fun to do and was… The post Choose FI Podcast Interview: How we got here... Read more »

    Coach Carson

  • How a 28-Year-Old Invests Full-Time in Flips, Rentals, & Notes
    [In my Investor Profile Series, I use a question & answer format to share the stories of actual real estate investors at different stages of their investing careers. Be sure to comment below if you enjoyed it or if you have questions for the investor.] Today’s investor profile is from Dorsie Boddiford, a... Read more »
  • How to Use Real Estate to Create Dividend-Like Income
    Recently I guest posted on a site called DividendGrowthInvestor.com that teaches people about dividend investing with stocks. What does that have to do with real estate investing? Initially, I wondered the same thing! I’m familiar with the strategy of purchasing dividend producing stocks in order to build wealth and create... Read more »
  • 5 Ways to Find Real Estate Deals in Any Market
    Is your local real estate market hot? Are good real estate deals getting harder to find? If so, you’re not alone.   But this isn’t a new problem. The times when it’s easy to find real estate deals are the exception. The 2009 – 2012 U.S. real estate downturn briefly... Read more »
  • My Top 3 Lessons From a 51-Year Real Estate Investing Pro
    Whether you have been investing in real estate for 6 months or 20 years, you can always get better by studying those who’ve been in the game longer than you.  I did that several years ago when I attended a seminar taught by Pete Fortunato, a veteran investor with over... Read more »
  • From One House to a Small Multiunit Empire Within a Few Years
    [In my Investor Profile Series, I use a question & answer format to share the stories of actual real estate investors at different stages of their investing careers. Be sure to comment below if you enjoyed it or if you have questions for the investor.] Today’s investor profile is from Kyle Corbin, a... Read more »

    Done by Forty

  • Taxes, Behavior, and Regressive Incentives
    As the latest attempts to repeal the Affordable Care Act have recently failed, it seems that Congress is moving on to the next item on their agenda: tax reform. I guess that's why I keep stumbling on articles suggesting drastic changes to the tax code: like eliminating the mortgage interest... Read more »
  • Selling a Rental We've Never Seen
    We're finally back from our trip to northern Europe: three and a half weeks of travel hacked goodness spent with our good friends from Phoenix. We'll have some posts and plenty of pictures to share from the trip in the coming weeks.But we first wanted to tell you about the sale... Read more »
  • Hard Externalities in a Long Supply Chain
    USA Today recently put out a great in-depth report on short-haul trucking out of LA, called "Rigged". These are not the 18-wheelers you pass on a cross-country road trip, but rather trucks that take goods from a port in Southern California to local warehouses and rail yards: "one small step on... Read more »
  • Our Trip to Asia
    We're about to leave for our next travel hacked trip, thanks again to the help of Brad at Richmond Savers and ChooseFI. We're making a little loop in northern Europe, from Denmark, to Germany, then Sweden, Iceland, and Scotland. It'll be our last hurrah before we settle down and try to... Read more »
  • Interview on LifeHacker
    The sun has shined on our little blog, as Kristin Wong, she of LifeHacker and New York Times fame, asked to interview me recently on a post I wrote back in April: "Boredom, Cognitive Ability, and the Mental Retirement Effect". After Mrs. Done by Forty and I danced around the... Read more »

    Living a FI

  • Obamacare’s Uncertain Future and The Impact on Early Retirement Planning
    You can’t always believe what candidates running for office say as they slog through their campaigns — gross exaggeration, pandering, and outright lies are to be expected by all involved — but when it comes to Obamacare, surely it is … Continue reading →... Read more »
  • Unloading Guns From A Portfolio
    Quick disclaimer:  I can’t recommend that readers perform the actions I’ve taken, so be aware while reading I’m not suggesting that everyone should follow my lead here. Please don’t, at least not before carefully thinking through the implications. Most people implement alternate … Continue reading →... Read more »
  • Early Retirement Bites
    I quit my job about a year ago. My last day was April 17th, 2015, to be exact. At this point I’ve got close to twelve full months of my new life under my belt.  That’s plenty of data, if you … Continue reading →... Read more »
  • A Return to Work
    Well, it’s not a return exactly.  Not in the ordinary sense of the word. What I’ve actually been doing is reading some of my old anger diary entries.  This feels like entering a time warp leading back to my old life, living out days … Continue reading →... Read more »
  • VideoDefinitely Not Purpose
    Disclaimer.  Yet again, there’s no talk of finances in this one.  Instead I’m discussing some of my post-working life in a very casual, journal-y way.  Additional warning:  It’s intensely personal.  If that doesn’t sound interesting to you, well then, absolutely no worries. … Continue reading →... Read more »

    Satisfied Ghost

  • On Opportunities Past and Present
    I just returned from a residency at the Vermont Studio Center, the largest artist and writing residency program in the US. It was an amazing two weeks of productivity and inspiration, where I managed to write 21,000 words on a fiction project. I also marveled at the creativity and dedication... Read more »
  • The problem with retirement calculators
    Fear sells. If you follow personal finance topics you’ve certainly heard about “the looming retirement crisis” or how most American’s don’t save enough for retirement. Hogwash. There are millions of Americans with absolutely nothing saved. In fact, there are 57 million of them. But the fear mongering which takes place... Read more »
  • Ten Point Financial Checkup — How do you rate?
    We all want to know how we’re doing. Most of us get an annual physical to proactively identify any looming problems and set a baseline for future tracking. Our financial lives should be no different. Here’s a ten point financial check list to see where you are and where you’re... Read more »
  • The high costs of a good paying job
    Having a good paying job is a blessing. My dad was a painting contractor and growing up his income fluctuated, especially in the winter, and his mood would grow tense when work slowed. So when I grew up, I was grateful for the steady deposits in my bank account every... Read more »
  • The Why is More Important than the How of Early Retirement
    I left a “dream job” last year after 20 years in high tech marketing, at the age of 42. I didn’t received a dot.com pay out, nor was I an early employee at Google or Facebook. I started my career at the bottom, making $21,000 a year. For the last ten... Read more »


    Afford Anything

  • VideoReal Estate Income Report: How Much I Made in April & May 2017
    Hey there! Just an update to let you know I’m still alive. I know, I know … I’m a lazy bum who hasn’t published articles often. Sorry about that. I tend to operate on “Paula Time.” It’s my own schedule, and it’s slooooow. #sooooslow By some miracle, I created a... Read more »
  • The Last Five Months of Income — Revealed!
    I have an ideal self, and a present self. My ideal self exercises daily. She hikes or climbs at least twice a week. She eats plenty of vegetables. She explores ideas that fascinate her. She reads one to two books a week, making copious notes and annotations throughout. Brilliant blog... Read more »

    Journey To Launch

  • Episode 6- Improve Your Mindset & Stay Focused on Your Financial Journey
    Listen & Subscribe: on iTunes, Google Play, Stitcher, Soundcloud, Android Device In this episode, I talk with Fifi Buchanan of the Divine Hostess blog and the Wonderfully Made podcast. Fifi focuses on a holistic approach to wellness, cooking, and lifestyle improvement. On her podcast, Wonderfully Made, Fifi provides tips on how... Read more »
  • Episode 5- Becoming a Millionaire on a Teacher’s Salary
    Listen & Subscribe: on iTunes, Google Play, Stitcher, Soundcloud, Android Device In this episode, I talk with Ed the Millionaire Educator. I first learned about the 457 plan from Ed when he was a guest on another podcast. If you listened to Episode 2, How We Saved $85K, you’ll know that I... Read more »
  • Episode 4- 25 Ways To Improve Your Finances Right Now
    Listen & Subscribe: on iTunes, Google Play, Stitcher, Soundcloud,  Android Device In this solo episode, I discuss 25 ways to improve your finances right now. This episode gives you 25 actual steps that you can take today in order to start making strides towards your financial goals. To make the list... Read more »
  • Episode 3- Investing Your Way To Freedom w/ Cassandra Cummings
    Listen & Subscribe on iTunes, Google Play, Stitcher, Soundcloud, Android In this episode, I talk to Cassandra Cummings. Cassandra Cummings is the President of RC Wealth Management, LLC, a Registered Investment Advisory firm and the Founder of The Stocks & Stilettos Society, an investment community of women. She’s been working... Read more »
  • Episode 2- How We Saved $85K
    Listen & Subscribe on iTunes, Google Play, Stitcher, Android, Soundcloud This solo episode dives into how my husband and I saved $85K in 12 months. I discuss: How I got over my fear of sharing the actual numbers to the “world” The types of savings and investing accounts we used How... Read more »

    The Retirement Manifesto

  • Is Your Wealth Building On Track? The FIRE Prowess Gauge
    How are you doing on your journey of Wealth Building?   Are you on track?  Ahead?  Behind?  Tough to know, right? I take notice when I see a new tool […] The post Is Your Wealth Building On Track? The FIRE Prowess Gauge appeared first on The Retirement Manifesto.... Read more »
  • 3 Enemies Of FIRE
    What would happen if everyone in our society decided to pursue early retirement? Today, we’ll run through an interesting thought exercise.  There’s a new blogger in the Personal Finance space […] The post 3 Enemies Of FIRE appeared first on The Retirement Manifesto.... Read more »
  • When A Home Sale Explodes (Good To Great – Part 3)
    Have you ever had a home sale explode after you’ve been under contract?  We had a bomb go off last night, but we’re ok with that.  In the broader sense […] The post When A Home Sale Explodes (Good To Great – Part 3) appeared first on The Retirement Manifesto.... Read more »
  • A Move, Fostering Dogs, A Fishing Trip, A Caribbean Vacation, A Home Sale & A Wedding. In 37 Days.
    Have you ever had a period in your life where everything happened back to back to back, seemingly out of your control, and at hyperspeed? I’m living it.  As I […] The post A Move, Fostering Dogs, A Fishing Trip, A Caribbean Vacation, A Home Sale & A Wedding. In... Read more »
  • How The Pursuit of FI Almost Ended My Life
    Is it possible to go too far in pursuing “Financial Independence”? Absolutely.  I’m living proof, and happy about that fact.  I’m happy because being “Living Proof” certainly beats being “Dead Proof.” […] The post How The Pursuit of FI Almost Ended My Life appeared first on The Retirement Manifesto.... Read more »

    zen habits

  • How to Get Back on Track with Motivation & Habits
    By Leo Babauta It happens to all of us: you are going strong with a project, with learning something new, with a new habit or two … and things go sideways. You get derailed. This is a critical junction. If you let yourself quit, all your time and effort up... Read more »
  • The Eternal Dilemma: Revenge or Forgiveness?
    By Leo Babauta It’s easy to get upset at someone who has hurt you — but what’s the best way to get them back? What kind of revenge, served cold perhaps, can you dream up? I recently had someone write to me about this: “Recently one of my family members... Read more »
  • New Course: The Magic of Forming New Relationships
    By Leo Babauta It can be really difficult when you aren’t good at talking to people, at making friends, or at dating. It can stress you out, get you down, make your life harder. I consider myself an introvert, but I’ve made a concerted effort in my life to get... Read more »
  • Becoming Strong & Healthy as a Vegan
    By Leo Babauta As a vegan for the last five years (and veg for a decade), I’ve learned a bit about being healthy and strong on plants. For those who would like to learn about it, I’m offering this guide (as a non-expert fellow learner). I had a reader write... Read more »
  • The Secret to Interpersonal Happiness
    By Leo Babauta As much as we desire being connected to others — good friendships, a wonderful romantic relationship, close family members — this connection always comes at a cost. We get frustrated by other people. You know it’s true. You might be really good friends with someone, but then... Read more »