+

    Mr. Money Mustache

  • VideoLessons From the Badass Muscular Neurobiologist
    Have you ever noticed that as a whole, our society has its daily habits almost completely backwards? We’re generally so “busy” that we don’t have time to get much exercise. And then we spend countless sedentary hours sitting in our cars each week because we think that car driving saves... Read more »
  • It’s Get Smart With Money Day!
    Let’s jump right to the real news here: There’s a Netflix documentary that just came out TODAY* called Get Smart With Money Somehow old Mr. Money Mustache and several friends got lured into playing a role in making it. And I’m very happy with the results! And you can watch... Read more »
  • Why You’ll Probably Never Run Out Of Money
    As strange as it may sound, earning financial freedom is a lot easier for certain people than claiming that freedom once they have earned it. And if the following statement rings true to you, you may be suffering from this same hardship: “I think I’m close to having enough money... Read more »
  • VideoWhich is Safer: Rental Houses or Stock Investments? (a Case Study)
    During our recent discussion on Inflation, a Badass reader stopped by and caught my attention by dropping the following block of wisdom into the comments section:  “A final note if you are worried about inflation: sledgehammer the TV and go for a walk in the woods. Trees get bigger every... Read more »
  • Finally, a Stock Market Crash!
    Well, that was kinda sudden! In the three months or so since we last spoke, the world has become an entirely different place – at least for those of us who keep up with any sort of international, financial or stock market news.  The headlines are new, and the problems... Read more »
    +

    Financial Independence / Retire Early

  • Daily FI discussion thread - Tuesday, November 29, 2022
    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ... Read more »
  • 9.5 Years of Tracking – Career Break and $250k NW @ 30
    TL;DR: Supportive, loving spouses and a great therapist are the best. Would highly recommend. Edit for clarity: Yes, spouse is very happy I quit and is happier with his QOL after I quit. He'd been trying to get me to quit for over a year and is now quite pleased... Read more »
  • Daily FI discussion thread - Monday, November 28, 2022
    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ... Read more »
  • Weekly “Help Me FIRE!” thread. Post your detailed information for highly specific advice - November 28, 2022
    Need help applying broader FIRE principles to your own situation? We’re here for you! Post your detailed personal “case study” and ask as many questions as you like, or help others who’ve done the same. Not sure if your questions pertain? Post them anyway…you might be surprised. It’ll be helpful... Read more »
  • Weekly FI Monday Milestone thread - November 28, 2022
    Please use this thread to post your milestones, humblebrags and status updates which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Since... Read more »
    +

    Early Retirement Extreme

  • What are we? Bohemians? Hippies? Neocapitalists?
    I’ve spent some time trying to figure out whether ERE (as the philosophy described in the book/as the common traits of people in the forums) could be easily matched to other subcultures. This would make it easier for me to describe it in one word and it would also make... Read more »
  • Using the Crowbar Maneuver to get cash fast
    I have a guest post on how to Save money with a DVD exchange over at Tight Fisted Miser. If you clicked in from over there, welcome to my blog. Please consider subscribing as you will find that we cover many of the same things. Not made of money had... Read more »
  • The two things I liked the least about my last job(s)
    With a title like this, this entry just begs for the list format. On the other hand, I have heard it’s not editorial kosher to make a list of only two items, so I’ll slavishly refrain. I have found that I am enormously allergic(*) to punch card time clocks or... Read more »
  • Selling graduate textbooks
    Once upon a time I realized that limited edition graduate texts in myField might go out of print some day and I decided to establish my own “little” library by buying them before they went out of print. In retrospect this was stupid. The reason is that graduate level texts... Read more »
  • What we have is a failure to communicate
    Lately, I have been wondering whether communication could be improved by choosing my adjectives more in accordance to the fashion of the day. For instance, to me “awesome” is a Saturn V launch and “amazing” might describe … actually I can’t for the life of me currently think of a... Read more »
    +

    Go Curry Cracker!

  • If I Were Retiring Early Today…
    “Would you do anything differently if you were retiring in today’s economic environment?” “What do you think of the 4% rule for people planning to retire soon?” Let’s go through both of those questions. If I Were Retiring Early Today… Loosely and nominally, the SP500 is down 20% YTD and... Read more »
  • 10 Years of Early Retirement – Ask Me Anything
    This month we reached our 10-year anniversary of early “retirement” It’s been a fun ride. To celebrate, ask me anything in the comments. Life, money, politics, curiosities…. whatever. See our FAQ and Reddit AMA for inspiration. To get things started, here are 10 observations I’ve made along the way. 10... Read more »
  • Why I Absolutely Do Tax-Loss Harvest
    Markets are down. Robo-advisors and savvy investors are tax-loss harvesting. But me? I had no intention of doing so. Thankfully, two Go Curry Cracker readers correctly pointed out I was wrong to not tax-loss harvest. Yes, I absolutely am tax-loss harvesting and loving it. (Thanks!) Tax-loss Harvesting First – What... Read more »
  • Investing our Mortgage – 1-Year Update
    About a year ago we bought a house, paid in full with cash. Then I got a small mortgage as an inflation hedge and to invest for fun and profit (or loss.) We used a chunk of the mortgage to fund moving expenses and to acquire all of the typical home... Read more »
  • Award Travel Series – Disneyland
    Advertiser Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Opinions, reviews, analyses &... Read more »
    +

    1500 Days to Freedom

  • Thankful To Be Thankful
    Oh crap, not another crappy-happy-sappy Thanksgiving post. Stay with me friends; this won’t be too mushy. It’s been over 5 years since I quit my job and I still haven’t quite adjusted to FI life. I was considering this the other day after cursing out the fingerprint reader on my... Read more »
  • Live Boldly
    This post was inspired by this over at FI for the People. Thank you Bitches Get Riches for bringing it to my attention. Perhaps my most popular post is the one where I wrote about my death march to financial independence. It describes how I went a little nuts to... Read more »
  • Performance Crapdate: August! September!! October!!! Oh My!!!!
    My main goal* was to build an investment and cash portfolio of $1,120,000* ($1,000,000 to retire on and $120,000 to pay off the house) in 1500 days**, starting from 1/1/2013 and ending in February of 2017. I made my goal in 2016, my 1500 Days are over, and I’ve left my job. In the interest of... Read more »
  • Unicorns, The Easter Bunny, And Safe Passive Returns
    I was perusing the Choose FI group on Facebook last week and someone posted something that went like this: I pulled all my investments out of VTSAX in 2020 and have been sitting on cash ever since. I don’t want to get back into VTSAX. I’m looking for something that... Read more »
  • How I Earned $75,000 By Dumping Health Insurance Without Losing Healthcare (or peace of mind)
    Health care in America, is a big scary mess. We spend more on healthcare than most, but manage to have poorer outcomes. Not good. Mindy and I are fortunate to have had excellent health. We’re pushing 50, but only have to see the doctor for routine checkups. Same for our... Read more »
    +

    Mad Fientist

  • Why I’m Appreciating FI More Than Ever Now
    Thanks to a huge life event, I'm appreciating the benefits of financial independence and early retirement more than ever! Read more → The post Why I’m Appreciating FI More Than Ever Now appeared first on Mad Fientist.... Read more »
  • mp3The Best Advice from Mr. Money Mustache
    To celebrate the 10-year anniversary of the Financial Independence Podcast, here are the highlights from my first guest - Mr. Money Mustache! Read more → The post The Best Advice from Mr. Money Mustache appeared first on Mad Fientist.... Read more »
  • mp3Aime to Invest – From Bankruptcy to FI in 8 Years
    Patrick Aime from Aime to Invest shares the important lessons he learned on his rollercoaster journey from bankruptcy to FI millionaire! Read more → The post Aime to Invest – From Bankruptcy to FI in 8 Years appeared first on Mad Fientist.... Read more »
  • mp3The Escape Artist – FIRE in the UK
    The Escape Artist joins me on the Financial Independence Podcast to talk about pursuing FIRE in the United Kingdom! Read more → The post The Escape Artist – FIRE in the UK appeared first on Mad Fientist.... Read more »
  • mp3Bogleheads – Life After FIRE
    I joined a virtual Bogleheads meeting to talk about life after financial independence and early retirement! Read more → The post Bogleheads – Life After FIRE appeared first on Mad Fientist.... Read more »
    +

    Millennial Revolution

  • The Dark Side of Quiet Quitting
    You’ve all heard of the Great Resignation, but recently, there’s a more fashionable, inconspicuous quitting style called “quiet quitting”. What is “Quiet Quitting”? Instead of quitting your job and losing out on a severance package, why not just do the bare minimum? Welcome to Quiet Quitting. Inspired by the Chinese... Read more »
  • Reader Case: From VP TO FIRE
    What time is it? It’s Reader Case Time! Hello!!!! First of all, congratulations on being financially independent! You did what so many people aspire to do but don’t have the courage to follow through with. I’m a little envious, but at the end of the day, I didn’t put the hard... Read more »
  • How Travelling Saves You Money
    “Travel is the only thing you buy that makes you richer”. –anonymous “But travelling is so expensive, I can’t afford to travel all the time.” “I don’t know what I would do with myself if I travelled to one place and stayed there for a whole month!” These are just... Read more »
  • Is it Canada’s Turn for a 2008-Style Housing Crash?
    I received a message from a reader recently telling me “Check this out! The housing crash has officially started!” They linked me to a news article about the plight of condo investors in Toronto. I know, I know, cry me a river, right? Well, take a read… Ujjwal Jain never... Read more »
  • Reader Case: Swiss Family Early Retirement Plan Upended by the Current Market
    It’s been a while since we’ve done a reader case, so let’s break open the vault and take a look. This one is a tad involved, so let’s get cracking! Dear Kristy and Bryce, I have been following your blog and also read your book, not once, but twice. We... Read more »
    +

    Can I Retire Yet?

  • November 2022 Best of the Web
    I hope you all had a great Thanksgiving! It was a wild month in the finance world and I had a hard time narrowing down my selections. Resources cover topics that are always important to readers of this blog including better understanding your bond investments, when to claim Social Security... Read more »
  • Should You Change Your Investment Strategy?
    Investors love to talk about their winners, but you rarely if ever hear about their bad decisions. This selective memory is true across all levels of investors, from people you and I may meet at a dinner party to the most prestigious venture capital funds in the world. I’m going... Read more »
  • Is The Cost and Effort to Become a CFP Worth It?
    In January, I announced that I was undertaking the challenge of completing the Certified Financial Planner (CFP®) education and exam. I’ve recently successfully completed both. Since making the announcement, I’ve been surprised by the number of people who have reached out to ask me what this process entails. I’ve broken... Read more »
  • October 2022 Best of the Web
    Happy Halloween!  Volatile investment markets, rising interest rates, and high inflation continue to dominate financial news and be scary for many investors. I have some great resources to help you navigate these challenging times. This month’s resources attempt to change perceptions of FIRE so that more people find FIRE principles... Read more »
  • 6 Takeaways From the Bogleheads Conference
    Before jumping into this week’s post, I want to provide a quick update on what is going on at Can I Retire Yet?. Life has been hectic in my world. So publishing has been sparse and will continue to be over the next couple of weeks. I am in the... Read more »
    +

    Root of Good

  • October 2022 Early Retirement Update
    Welcome back to another monthly installment of the life and times of Root of Good. We kept busy in October with a ten day cruise to the Caribbean plus several parties for family and friends. I need a vacation! Ha ha... Fall is in full swing here in North Carolina.... Read more »
  • September 2022 Early Retirement Update
    Welcome back to another glimpse into my early retired lifestyle. In September, I enjoyed the slower pace of life at home in Raleigh after a busy summer traveling across Eastern Europe. We worked on some more travel planning for winter of 2022 and summer of 2023 (more on that below).... Read more »
  • August 2022 Early Retirement Update
    Time for a look back at what we were up to last month! We started the month of August in the city of Eger in the east of Hungary. Once our weeklong stay in Eger wrapped up, we headed west to Budapest where our 2 month European vacation would end... Read more »
  • July 2022 Early Retirement Update – Alpine Rivers, Lakes, and Mountains Edition
    We made it back home! We've been back in the USA for a few days and now that the dust has settled, I'm here to recap the last month of our early retirement adventures. During July, we spent a week in Croatia. The we departed Croatia where we spent almost... Read more »
  • June 2022 Early Retirement Update – Cheers from Europe Edition
    After a busy month of traveling in Europe, I finally have a pause in the schedule to pull together another monthly update. We spent the first three weeks of our vacation in Croatia. Then we traveled a couple of hours north where we stayed in the middle of the Julian... Read more »
    +

    Frugalwoods

  • Yes, I Actually Have a Black Friday Sale for You
    I know, I know, Black Friday is dumb; but since it exists, I figured I’d offer a coupon code for 10% off: An hourlong phone call with me (that’s $25 off) A basic financial consultation with me (that’s $150 off) A premium financial consultation with me (that’s $300 off) A... Read more »
  • Give The Gift of Financial Freedom!
    Give the gift of financial freedom this holiday season! Do you have a person in your life you keep recommending Frugalwoods to? Do you continually send them links to personal finance articles that they seem to ignore? Does this same person  bemoan that their money is a mess? Do you... Read more »
  • Reader Case Study: The Financial Reality of Raising High-Needs Kids
    Alice and her wife Ann live in a small northern New England town with their two sons and two dogs. Both Alice and Ann are educators and enjoy their work. Their children were adopted from the foster care system and both have significant early childhood trauma. Due to this, they... Read more »
  • Introducing UFM Mastermind Groups!
    I’m all about starting new things these days and so, I’m launching a BRAND NEW way to participate in my Uber Frugal Month Challenge: Mastermind Groups!!!! These will be a chance for you to meet (on video) with me and nine other frugal folks once a week for five weeks... Read more »
  • A DOG! And Other October 2022 Expenses
    We Adopted A Dog! I’m thrilled to introduce Genevieve the dog (aka Gigi)!! Frugal Hound 2.0, Gigiwoods, G-dog McHound Face! She’s a rescue so we’re not sure of her exact age or breed, but our vet estimates she’s 6 months old and likely to be 60-70lbs (she’s currently 40lbs). We... Read more »
    +

    JLCollinsnh

  • Let’s talk about what’s up with Bonds, and what ever else you’d like to ask me
      Yikes. Guess I should be used to it. Every time the market drops, the flood gates open with questions and concerns. Still it surprises me. After all, I have written extensively about bear markets… Mr. Bear Taking advantage of Mr. Bear Buying into the market right before a Bear... Read more »
  • The Price of Security
    Photo courtesy of Billy Kaderli “Funny, no one has a crystal ball, no one knows the future but all say the stock market WILL go up in the future. Maybe we’re the generation that our kids will also look and say: ‘They gambled everything in the stock market thinking it... Read more »
  • Case Study #17: Buying into the market right before a Bear
    Photo by anvesh baru If you are surprised to see two “case study” posts from me in a row, your reaction is no more than my own. For the last one it could be charged that I succumbed to flattery and bribery in taking it on. No case to be... Read more »
  • Case Study #16: Helping dad with an inheritance
    Photo courtesy of Van Trapp Farmstead It has been a long time since we’ve done a Case Study around here, but recently I responded to an email that feels like a good one to share with you. It reflects an interesting dilemma and it allows me to, mildly at least,... Read more »
  • Just inked a contract for my next book, and I want you to be a part of it!
      I’ve some very exciting news to share with you today. I just inked a deal with Harriman House to publish my third book. Its working title is: PATHFINDERS: Travelers’s Tale on the Simple Path to Wealth and… I’d like you to be a part of it! If that’s all... Read more »
    +

    Mr. Free At 33

  • This Company Is Crushing It
    Want to own shares in a great business perfectly positioned for the future of our society? Does a market-beating yield and a double-digit dividend growth rate sound good to you? Like the idea of getting a high-quality dividend growth stock on sale after a 25% drop in pricing? Then you... Read more »
  • Undervalued Dividend Growth Stock Of The Week
    Every Sunday, I uncover a high-quality dividend growth stock that appears to be undervalued. These pieces are published at Daily Trade Alert, which is a site that focuses on dividend growth investing, stocks, and unique investment opportunities. I’ve been writing for them for years now, and they’re just great over... Read more »
  • Why Did Warren Buffett Just Invest $5 Billion In This Tech Stock?
    Looking for an actionable signal from the Oracle of Omaha? Want to follow in the footsteps of the greatest investor of all time? Interested in knowing which stock Warren Buffett has recently been buying in a big way? Then you have to check out today’s video. For more on a... Read more »
  • Undervalued Dividend Growth Stock Of The Week
    Every Sunday, I uncover a high-quality dividend growth stock that appears to be undervalued. These pieces are published at Daily Trade Alert, which is a site that focuses on dividend growth investing, stocks, and unique investment opportunities. I’ve been writing for them for years now, and they’re just great over... Read more »
  • The Best Dividend Aristocrat?
    Looking for a great deal on one of the best Dividend Aristocrats out there? Want to own shares in a company so serious about paying monthly dividends, it trademarked its own moniker? Like the idea of buying stock after a 16% drop in price? Then you have to check out... Read more »



No RSS Item
    +

    Fiery Millennials

  • Reflections on a Promotion and a Raise
    Gwen reflects on the experience of getting her first internal promotion and raise!... Read more »
  • Road Trip 2022: The Power of Community
    I have never been more grateful to have a powerful community behind me than when things go sideways.  I wrote previously that I was very honored and excited to get to speak at this year’s Chautauqua in Ecuador. I was honored and excited right up until it got cancelled roughly... Read more »
  • Navigating the Archaic, Convoluted, Confusing, and Utterly Enraging 401(k) Rollover Process
    I have attempted to rollover my prior 401(k) accounts in the past few weeks. As you can tell from the title, everything has gone smoothly and easily. HA! Just kidding. It’s been awful. Fortunately for all of you, I took detailed notes on the whole process. If any Vanguard or... Read more »
  • A Cash Crunch and Crisis of Self
    I recently went through a cash crunch. It was not something I’d care to repeat anytime soon.  No matter what I did, I couldn’t get the math to work out. 4200 minus 2000 always equaled 2200. I’m pretty good at math and yet I was being defeated by 2nd-grade math.... Read more »
  • Financial Headwinds on the Path to FI
    I’ve been seeing some thoughts pop up on Twitter over the last few months that have sparked an idea in my brain. Obviously, everyone’s journey to Financial Independence will look different. But what are some of the ways our paths differ? Our journeys are different because we’re all facing different... Read more »
    +

    The Money Mustache Community

  • Re: Gym bags
    I've always used a plastic bag in my duffel for this.... Read more »
  • Re: Annuity Mortgage Arbitrage - good idea or stupid?
    I don't understand the question. Are you asking if is a better idea to buy and annuity than prepay your mortgage? You can't borrow 500k @ 2.8% to buy an annuity...... Read more »
  • Re: How do folks calculate savings rate?
    Quote from: Arbitrage on Today at 07:47:24 AMI use:Savings (including employer match) /Net income (Salary + employer match - payroll and income taxes)When I want to pump the number up for all the feels, I add debt...... Read more »
  • Re: How to be more content and grateful?
    Standard I Am Not A Parent disclaimer. I agree with the posters who have suggested having two young children is probably a big part of your current restlessness/FOMO/discontent. It's pretty hard to go on a epic adventure with two toddlers and a full ti...... Read more »
  • Re: Gym bags
    I have an UnderArmour bag that has what you've described. I'd check their offerings.... Read more »
    +

    Jillian Johnsrud

  • Five Big Reasons to Retire Often
    My family and I are a month into an 8-month-long road trip. While logging a lot of steps, a lot of drive time, and watching my kids play in the ocean, I’ve been thinking about all the amazing benefits of taking a mini-retirement. Here are five of the big reasons... Read more »
  • VideoStumbling Block for Change
    We are in the process of transforming into full-blown snowbirds. It’s admittedly an odd life choice for people with five school-aged kids. And truthfully, a rather complicated choice. It’s definitely not an easy path forward. Living in a house and having kids in public school is a simpler choice.  So... Read more »
  • The Roads Not Taken
    “What’s an opportunity or pursuit that you passed on earlier in life, but if the opportunity came again, you would consider taking it?”  This is a question I contemplated a lot during our last three-month road trip. And this year, while I’m working a max of 8 hours a week,... Read more »
  • How to Avoid Early Retirement Failure
    While life might be like a box of chocolates, I’d say it’s more like a garden box. We each have a specific and finite amount of time and space to grow what matters to us. There is often a work plant, a family one, friends, hobbies, or interests. At any... Read more »
  • Get Started Investing
    Getting started investing can feel overwhelming. Investing for retirement can seem impossible. You might need one to two million dollars to retire comfortably. When you hardly ever have an extra few thousand, a million dollars seems like a made-up, laughable number.  The power of compound interest is truly mind-boggling! In... Read more »
    +

    Done by Forty

  • VideoHoops for the Poor
    It's tax time. That means it's time to wait anxiously for the mail each day, hoping that final W2 or 1099 will show up, and we finance weirdos can start in on the fun of entering figures into our favorite tax software.I know I'm not the only one who enjoys... Read more »
  • Solar Panels or an Electric Vehicle?
    SourceLast week we noodled over which electric vehicle might replace one of the two gas burning cars in our garage right now. But I was underwhelmed by how little cost or even environmental savings would be gained from most of the options. The new EVs wouldn't break on costs for hundreds... Read more »
  • VideoNoodling Electric Vehicles
    SourceI'm in the middle of Wallet Activism right now and it's changing the way I think about things. How we spend our money, sure. But also how we think about things. How do we make decisions, even with things that are free (or "free"). When I click on the free shipping... Read more »
  • VideoWay Too Transparent: All the Money We've Made (2022 update)
    Source.Another year in the books, another year of the pandemic to endure. Welcome to 2022, what promises to be the longest seventy three months in memory. Supply chains are stretched, we've collectively stopped trying to avoid giving each other COVID, inflation is rampant, and Tom Brady will win another Super Bowl... Read more »
  • Mediocre Advice for Dads Who Somehow Know Less Than Me
    When I first left work, I imagined I'd be writing multiple posts a week again like I did in the early years of the blog. Without the forty hours and ongoing stress of corporate employment, I'd be able to write a post on Monday and another mid-week, for sure.As usual,... Read more »
    +

    The Golden Albatross

  • This Is Your Pension On Inflation
    Even in the scenario with the largest pension, once Don's pension starts, it goes from covering all the family's retirement spending to roughly one-third by the 49th year. That's a giant swing downward due to inflation! The post This Is Your Pension On Inflation appeared first on The Golden Albatross.... Read more »
  • The Pension Couch: Replacing Pension Income
    If I leave now, how much would I have to save each month for the next six years to replace the difference I am losing? The post The Pension Couch: Replacing Pension Income appeared first on The Golden Albatross.... Read more »
  • The Pension Series (Part 31): Grumpus Maximization
    Pension Maximization Part Deux This post is a direct continuation of Pension Series Part 30. In that article, I introduced my general framework for maximizing your defined benefit (DB) pension, which I call Grumpus Maximization. I also walked through the first two steps of Grumpus Maximization, which were (1) setting... Read more »
  • The Pension Series (Part 30): Pension Maximization
    Pension maximization ensures your pension's positive impact in retirement is as significant as possible. You maximize your pension by taking active steps during your pensionable career. The post The Pension Series (Part 30): Pension Maximization appeared first on The Golden Albatross.... Read more »
  • The Pension Series (Part 6): Valuing Pension Subsidized Healthcare (Updated)
    I’m not afraid to say while updating this article, my thinking evolved on the importance a pensionable worker should place on their pension subsidized healthcare. It’s no longer the all-important monolith I once thought. The post The Pension Series (Part 6): Valuing Pension Subsidized Healthcare (Updated) appeared first on The... Read more »
    +

    ChooseFI

  • mp3411 | The Simple Path to Wealth | JL Collins
    In this episode: VTSAX funds, bonds, cap-weighted funds, finding your ballasts, staying the course, and the simple path to wealth. This week, we are getting back to the basics! While many of you who have been in the FI community for a while now have definitely heard of JL Collins,... Read more »
  • mp3410 | Short-Term Rentals on the Path to FI | Kelly Cronin
    In this episode: finding mentors, the superpower of making less, traveling while making less, rental properties, and the one percent rule. For some who begin the FI journey, it's about doing all they can to reach that FI number, but for many people the journey to FI is about the... Read more »
  • mp3409 | 401(k), Mega Backdoor Roth and the Premium Tax Credit | Sean Mullaney
    In this episode: w2 employment to self-employment, s-coporations vs self-employment, avoiding penalties, megas backdoor roths, retirement planning, and health insurance. Most of us are familiar with a W2 job, and there is a certain level of convenience that comes with working a W2 job as it relates to retirement planning... Read more »
  • mp3408 | Debt Payoff, Disney & Taking Action | Audrey
    In this episode: taking action, travel rewards, career progression, the mission to net zero, and value propositions for college. Whether you were raised to live frugally or if the lessons and lifestyle of FI are just now being introduced into your life, the journey to FI is full of ebbs... Read more »
  • mp3407 | Kristi | Households of FI Update
    In this episode: growth during the job hunt, exploring entrepreneurship, tips for career growth, and second generation FI. It's only natural that on the journey to FI you will want to pivot. Whether it is your financial outlook or even your career outlook, it's only natural to have reservations about... Read more »



No RSS Item
    +

    The Frugal Vagabond

  • Retire Early in France – Without All The Tax
    We recently declared ourselves Financially Independent, which is definitely a weird and uncertain feeling. We'll likely wait a couple more years to retire early, add to our FIREhouse (ha!) savings, and augment our early retirement travel budget a bit. Even though RE is a still a little ways out, we've... Read more »
  • Getting a Spanish Driver’s License
    Getting a Spanish Driver's License is intimidating. I'll break down each step of the process and help you get on the road with your very own EU license. The post Getting a Spanish Driver’s License appeared first on The Frugal Vagabond.... Read more »
  • Living Abroad: Five Essential Survival Skills
    Living abroad is as alluring as it is polarizing. Five skills that will make your life abroad a success. The post Living Abroad: Five Essential Survival Skills appeared first on The Frugal Vagabond.... Read more »
  • Spanish Non-Lucrative Visa Renewal
    Spain can get under your skin. In the course of living here for the full first year of our non-lucrative visa, we’ve come to love our home, our city, Spanish food and culture, and most of all, the close friends… The post Spanish Non-Lucrative Visa Renewal appeared first on The... Read more »
  • Surgery in Thailand: Bumrungrad International Hospital
    I seek treatment at Bumrungrad International Hospital for a growth in my chest. How did it go? Was it cost effective to travel to Thailand for medical care? The post Surgery in Thailand: Bumrungrad International Hospital appeared first on The Frugal Vagabond.... Read more »
    +

    The Frugal Vagabond

  • Retire Early in France – Without All The Tax
    We recently declared ourselves Financially Independent, which is definitely a weird and uncertain feeling. We'll likely wait a couple more years to retire early, add to our FIREhouse (ha!) savings, and augment our early retirement travel budget a bit. Even though RE is a still a little ways out, we've... Read more »
  • Getting a Spanish Driver’s License
    Getting a Spanish Driver's License is intimidating. I'll break down each step of the process and help you get on the road with your very own EU license. The post Getting a Spanish Driver’s License appeared first on The Frugal Vagabond.... Read more »
  • Living Abroad: Five Essential Survival Skills
    Living abroad is as alluring as it is polarizing. Five skills that will make your life abroad a success. The post Living Abroad: Five Essential Survival Skills appeared first on The Frugal Vagabond.... Read more »
  • Spanish Non-Lucrative Visa Renewal
    Spain can get under your skin. In the course of living here for the full first year of our non-lucrative visa, we’ve come to love our home, our city, Spanish food and culture, and most of all, the close friends… The post Spanish Non-Lucrative Visa Renewal appeared first on The... Read more »
  • Surgery in Thailand: Bumrungrad International Hospital
    I seek treatment at Bumrungrad International Hospital for a growth in my chest. How did it go? Was it cost effective to travel to Thailand for medical care? The post Surgery in Thailand: Bumrungrad International Hospital appeared first on The Frugal Vagabond.... Read more »
    +

    Financial Samurai

  • Freedom May Not Be Priceless: Consider Going To Jail For Money
    Since 2012, I’ve been arguing that freedom is priceless. After giving up a healthy income and my career for more freedom, how could it not be? But maybe I’ve just been telling a lie to make myself feel better about not being richer! We lie to ourselves to help justify... Read more »
  • Your Outsized Wealth Is Mostly Due To Luck: Be Thankful!
    Are you confusing your good fortune due to your own skill rather than due to luck? I’m here to argue that above average wealth is mostly due to luck. Therefore, stop deluding yourself into thinking you’re so great! As President Obama said in a July 13, 2012 campaign election speech,... Read more »
  • Thankful For Luck: A Phone Call That Changed My Life For Good
    Despite the pandemic and a bear market making things difficult for so many, there is still so much to be thankful for. We need to all be thankful for the luck we’ve had so far. Personally, I’m thankful for luck. The more we can recognize luck in our lives, the... Read more »
  • Being A Professor Is The Ideal Occupation For Riches And Status
    There are very few occupations that provide the ideal combination of riches and status. Being a professor is one of them. Tenured professors are able to make six-figure incomes and earn valuable pensions. Getting a PhD or a post-doctorate is the pinnacle of academic achievement. Meanwhile, most people respect professors... Read more »
  • Americans Can Save A Lot Of Money If We Want To, Don’t Worry!
    During the pandemic, we learned that Americans can save a lot more money if we want to. Take a look at the historical American personal saving rate chart according to the U.S. Bureau of Economic Analysis and the St. Louis Fed. After lockdowns began on March 18, 2020, the U.S.... Read more »
    +

    Afford Anything

  • mp3#414: Ask Paula: I Think I Can Retire Early. Am I Delusional?!
    Natasha thinks she and her husband have saved enough to retire early, but they’re scared. Are they ready or are they delusional? Should Krista tap into the equity from one of her rentals to rebalance a portfolio that is weighted heavily in real estate? Anonymous is a savvy investor who... Read more »
  • mp3#413: Why We’re Paying Attention to the Wrong Things, with Dr. Daniel Crosby
    If an idea dominates the headlines, we notice it. But maybe we shouldn’t. Today’s guest, psychologist and behavioral finance expert Dr. Daniel Crosby, says there’s a difference between a prediction that gets repeated, and one that’s likely to unfold.  What’s salient isn’t accurate, he says. And vice versa.  He also... Read more »
  • mp3#412: Ask Paula: Should I Repay Debt or Invest?
    Taylor recently graduated. She wants to reach financial independence as soon as possible. What should she do first: invest or repay low-interest debt? Carter doesn’t want to pay too much for his investments. He’s worried about the tax drag. He wants to know how to improve cost efficiency in his... Read more »
  • mp3#411: Invest Anywhere: Learn About a City Like an Expert
    Welcome to Invest Anywhere, our monthly series on long-distance real estate investing. Invest Anywhere airs on the First Friday of each month and is co-hosted by Paula Pant and Suni Rao. __________ In the final installment of this two-part mini-series, we walk you through becoming a subject matter expert in... Read more »
  • mp3#410: The Routine Habits of Breakthrough Thinkers, with Jeremy Utley
    You face plenty of problems. But you have a scarcity of good solutions. Stanford Professor Jeremy Utley can help. He says that solving complex problems requires creativity. And creativity comes from deliberate practice. It’s not an innate talent. It’s a skill. And it’s useful in any occupation, from accounting to... Read more »
    +

    Accidental Fire

  • Is Interest In Financial Independence And FIRE A Bull Market Phenomenon?
    As of this post the S&P is down about 17% in 2022.  Bonds are a usual hedge to equity declines, but owning them as a means of diversification hasn’t helped this year.  Bonds are down around 14% in 2022 as... The post Is Interest In Financial Independence And FIRE A... Read more »
  • Early Retirement And The Wannabe Optimist
    My father died from cancer when I was only 18.  Soon after that my grandma from my mothers side developed Alzheimer’s disease and rapidly decayed both mentally and physically.  After 4 years of a miserable low income nursing home in... The post Early Retirement And The Wannabe Optimist appeared first... Read more »
  • T.G.I.F. Friday: Volume 82
    Welcome to “Thank God I’m FI” Friday, Volume #82! Here are some things I really like and that you might too.   Financial Independence/Retirement Articles A man of no ambition (Get Rich Slowly) – “What I have today is already... The post T.G.I.F. Friday: Volume 82 appeared first on Accidental... Read more »
  • How To Eat Well As A Starving Artist
    The starving artist is a concept that has old roots.  The idea of pursuing a life making art and suffering the financial consequences has been romanticized in movies and popular culture.  As a consumer of art my favorite art form... The post How To Eat Well As A Starving Artist... Read more »
  • Public Interest In FI & FIRE Versus Stock Market Performance
    Subscribe To New Posts Here! The post Public Interest In FI & FIRE Versus Stock Market Performance appeared first on Accidental Fire.... Read more »
    +

    Independently Financed

  • What are the most lucrative things you can do with free transportation?
    Become a Patron!A few years back I wrote a goofy post trying to look at car ownership not as a personal consumption expenditure, but as a productive input; as a profit center, not a cost center. For the last few months I’ve been fooling around with our local “micromobility” services,... Read more »
  • Free and discounted “micromobility” services
    Become a Patron!One of the most bizarre things to emerge from the era of free money were the so-called “micromobility” companies, which have littered the streets and sidewalks of major American cities with their cumbersome scooters and e-bikes. On the one hand, these companies have not and will not ever... Read more »
  • How to think about stockpiling Series I savings bonds
    Become a Patron!A reader whose financial savvy I highly value surprised me the other day by saying that he’d been maximizing his Series I Savings Bond purchases for many years. This surprised me since the “fixed” portion of the semi-annual composite interest rate had hovered between 0% and 0.5% APY... Read more »
  • Preserving your eligibility for paid family and medical leave
    Become a Patron!I’ve covered extensively my experience using the District of Columbia’s paid family and medical leave program to take time off to care for a family member. Since I began that series, the program has been reinforced even further, with the addition of 2 weeks of paid prenatal leave... Read more »
  • Schwab’s forthcoming direct indexing platform might be worth a look for the merely affluent
    Become a Patron!All the way back in 2020 I offered some speculative predictions about the future of so-called “direct indexing.” This is the logical end point of the proposition, promoted by the tax-evasion industry, that by swapping between closely-correlated-but-not-identical securities, those with taxable investments can generate capital losses that can... Read more »
    +

    Mr Crazy Kicks

  • I’m Going on Shark Tank!
    When I left my job nearly 6 years ago, I didn’t have any concrete plans except to pursue hobbies that I’m passionate about regardless of whether they make any money. A couple of years ago, this simple lifestyle led to … Continue reading → The post I’m Going on Shark... Read more »
  • We Made a New Haircut Tool: The HairFin!
    As a kid, my mom cut my hair with her trusty clippers. In college, I picked up a pair of clippers and learned to cut my own hair. Soon I found myself cutting friends’ hair in the dorms. Clippers made … Continue reading → The post We Made a New... Read more »
  • How Much Can a Greenhouse Extend the Growing Season?
    Last year I designed and built a hoop house for around $650 in materials. I didn’t want to waste money heating the thing, so the plan was to keep it passive. Since I never worked with an unheated greenhouse before, … Continue reading → The post How Much Can a... Read more »
  • Should I Pay Off My Mortgage?
    Having a paid off house has always been a goal. Living mortgage-free sounds awesome, but it can also put the brakes on financial growth. Any money put toward home equity is robbing investment accounts of hard working capital. After years … Continue reading → The post Should I Pay Off... Read more »
  • How to Get Started Hunting Mushrooms
    I love hiking in the woods, racing to the top of a mountain to take in a satisfying view. Lately however, I’m less interested in flying up rocks and roots to see the world from afar. I’ve found an even … Continue reading → The post How to Get Started... Read more »
    +

    The Happy Philosopher

  • How to Prepare for Life After Residency
    Burnout and Finance I was recently asked to speak to a bunch of medical residents about my story of burnout and my general philosophy on finance and life. I declined for a variety of reasons, but upon reflection I realized that this was a topic I had not addressed. This... Read more »
  • A Podcast, Guest Post, and Random Musings
    Hey philosophers, just wanted to let you know about a couple of small projects I participated in recently. I haven’t had much time or motivation to write these last couple of weeks. I have been paying the work price for my two week vacation to Alaska. Flexibility to take a... Read more »
  • Running, Purpose, and Bears (Oh, my!)
    As my feet rhythmically hit the belt of the treadmill, it briefly occurred to me this was perhaps the weirdest time to start my journey back to some sort or reasonable physical fitness. The treadmill was gently rocking side to side and I was looking out at an endless expanse... Read more »
  • Why A Physician Should Work Full-Time
    As an evangelist of part-time work for physicians, I occasionally get an e-mail from a physician reader asking if cutting back on work is the right move for them. Often times they are early in their training, and I’m not sure how to respond. I feel conflicted. I know what... Read more »
  • The Government Doesn’t Want you to Work (Too Much)
    A feeling of dread suddenly came over me. The numbers just didn’t add up, yet I could not figure out where I went wrong. Maybe I typed something in wrong or missed a section, but everything looked more or less complete. Maybe I’m just getting too old for this and... Read more »





    +

    Slowly Sipping Coffee

  • Friends, Fun, and Fowling
    A couple of weekends ago I was able to attend the Econome conference in Cincinnati, and readers, it was the refresh I needed. I wouldn’t have attended this conference had it not been for Military Dollar suggesting I should attend and she was super supportive throughout the process because let... Read more »
  • Embracing Life
    This time last year, I was talking about trying to get on board with the MFLC and figure life out from there. I had some things I was working on and damn if I haven’t gotten any to fruition. It seems frustrating and it can be, but if you remember... Read more »
  • Life Can Be SO “Overwhelming”: How I Tame It
    Now that I’m back to just having a single source of income, my adjunct position, I immediately have a crazy sense of pressure to “get back earning”, and “get a job” or “create a job” or “hit it big with day trading”, as soon as I study up a little... Read more »
  • Do You Take Payment in Soul Currency?
    Last week at some point, Angela from Tread LIghtly Retire Early tweeted about giving time versus money and it reminded me of what I did with my time when I wasn’t working. I found my time that I give is rewarded so much more in “soul currency” than money. If... Read more »
  • What to Do, What to Do?
    With all of this change that’s come about in the past couple of years, I figured I should revisit the “plan” since my retirement and savings got halved. I can’t say there are many complaints, considering how much we’d saved, so my half is a nice chunk of change. I... Read more »
    +

    zen habits

  • How the Feeling of Pointlessness Can Derail Us
    By Leo Babauta Something I’ve noticed that derails a lot of people’s goals or attempts to form habits is the feeling that it’s pointless to even try. If it feels like it won’t matter if you do anything … why would you try? And so when people feel this, they... Read more »
  • Committed & Unattached: A Powerful Way to Work
    By Leo Babauta I’ve been diving deep into working with full commitment lately, in my personal transformative work and working with my clients. It’s fascinating work. The biggest stumbling point for people is the dichotomy between: Being detached from the goal, which can ironically make it more likely to achieve... Read more »
  • Fearless Mastery: Going Deep & Running Together
    By Leo Babauta At the start of the pandemic, in the midst of chaos and uncertainty, I launched Fearless Mastery, my small group coaching and mastermind program. It was actually perfect timing: my intention was to help people train to be open in the middle of uncertainty, so that they... Read more »
  • When You’re Overwhelmed, Simplify
    By Leo Babauta The feeling of being overwhelmed is extremely common in the people I talk to, and it’s becoming more and more clear to me that this is the default state for most of us. We’re overwhelmed by it all: all the things we have on our plates, all... Read more »
  • Creating Sacred Focus
    By Leo Babauta Our focus during the day is almost always muddled. We switch between everything, and at any given 5-minute period, most of us would often be hard-pressed to say what we’re focusing on. That’s not how our minds work most of the time. It’s no wonder we struggle... Read more »
    +

    Financial 180

  • The Cheat Codes of FI
    For those of you following along, you know I've been a bit busy lately. In addition to my own music, podcast, and software projects, I've also been popping up on other people's podcasts. A few weeks back I sang a few bars of Michael Bublé on The FI Show with... Read more »
  • FI Without RE
    Back in November of 2017, a tired, burned out version of myself was pushed past his breaking point. After months of mandatory unpaid overtime, morning self pep-talks, stress-eating, and yelling at coworkers, the old Joel finally had enough. He walked up to his boss, and with a surprising, zen-like calm,... Read more »
  • VideoSo Much Time & So Little To Do!
    Wait a minute. Strike that – reverse it! I know, I know, I haven't updated this blog in months. What gives?! If things get any more sporadic around here I'll be on the Miss Mazuma publishing schedule! 😉 Maybe I should adopt the slogan of Wait, Buy Why and claim that I'll have... Read more »
  • Reaching for the Moon(shot)!
    This week, I'm thrilled to be featured on Coryn Quester's “Discover What's Possible” Podcast! In the interview, we talk about everything from the ‘Why' of FI,  to the most challenging aspects of financial independence for those just starting out. But one of the more interesting questions she posed really got... Read more »
  • Misconceptions of FI
    This past weekend The Wife and I went to see Crazy Rich Asians, and really enjoyed it! (Featured image credit: Entertainment Weekly) Having been on the FIRE journey for a few years now, it was fun taking in all the over-the-top luxury on the screen. Of course, this wasn't the... Read more »
    +

    DiverseFI

  • Taking Stock: A Hospice Doctor’s Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life
    Today I am announcing preorders of my book Taking Stock: A Hospice Doctor’s Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life. This is a moment of great pride for me as... The post Taking Stock: A Hospice Doctor’s Advice on Financial Independence, Building Wealth, and Living a... Read more »
  • We’re Moving! New Website!
    All new episodes and content can be found at earnandinvest.com. See you there! The post We’re Moving! New Website! appeared first on DiverseFI.... Read more »
  • 128. You Can Destroy Student Loan Debt
    Earn & Invest I am proud to release episode 128 of The Earn & Invest Podcast.  This podcast is an exploration of personal finance, financial independence, and taking the conversation to the next level.... The post 128. You Can Destroy Student Loan Debt appeared first on DiverseFI.... Read more »
  • Video127. Why Now Is The Time To Start Your Business
    Earn & Invest I am proud to release episode 127 of The Earn & Invest Podcast.  This podcast is an exploration of personal finance, financial independence, and taking the conversation to the next level.... The post 127. Why Now Is The Time To Start Your Business appeared first on DiverseFI.... Read more »
  • 126: How To Align Your Passion and Talent
    Earn & Invest I am proud to release episode 126 of The Earn & Invest Podcast.  This podcast is an exploration of personal finance, financial independence, and taking the conversation to the next level.... The post 126: How To Align Your Passion and Talent appeared first on DiverseFI.... Read more »
    +

    Vital Dollar

  • 9 Online Business Models for 2022 (Types of Online Businesses)
    Here's a comparison of online business models so you can find the types of online businesses that may be a good fit for your situation. The post 9 Online Business Models for 2022 (Types of Online Businesses) appeared first on Vital Dollar.... Read more »
  • Ibotta vs. Rakuten: Which is Better for Cash Back?
    See a detailed Ibotta vs. Rakuten comparison to learn how these cashback programs compare to each other, and decide which is best for you. The post Ibotta vs. Rakuten: Which is Better for Cash Back? appeared first on Vital Dollar.... Read more »
  • The Best Small Cap ETFs to Invest In
    Here are the best small cap ETFs worth considering for investors looking to add investments with high-growth potential to their portfolio. The post The Best Small Cap ETFs to Invest In appeared first on Vital Dollar.... Read more »
  • 10 of the Best ETFs with High Dividends (2022)
    The best ETFs with dividends can provide a source of passive income. Most of these funds invest in large-cap equities that are usually considered relatively low risk compared to other stocks. The post 10 of the Best ETFs with High Dividends (2022) appeared first on Vital Dollar.... Read more »
  • 13 of the Best Real Estate and REIT ETFs
    Many investors want exposure to real estate in their portfolio, and one of the most practical ways to do it is by investing in exchange-traded funds (ETFs) focused on real estate holdings. ETFs tend to have low expense ratios, although the details can vary significantly from one ETF to the... Read more »