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    Mr. Money Mustache

  • How to Retire Forever on a Fixed Chunk of Money
    These last two articles have focused on how common it is for early retirees to continue making money after they say goodbye to the cubicle. I share stories like that because I’ve seen it happen in so many lives, including my own. Plus, if you do it right, work is fun.... Read more »
  • VideoAn Interview With The Man Who Never Needed a Real Job
    “Dear Mr. Money Mustache… I’d like to retire soon. I’ve had a good career and the numbers say I’m just over the threshold, but I’m still afraid. It would help if I had a solid plan for what to do after retirement – perhaps even make some money eventually. Because... Read more »
  • What Everybody Is Getting Wrong About FIRE
    In case you hadn’t already noticed it in the news, it seems we are hitting a  turning point in how the rest of the world perceives this lifestyle that you and I have been enjoying. First, we were ignored. Then, there were a few stories that just focused on the... Read more »
  • What Really Goes on at MMM Headquarters
    I’d love to retire early, but then what?  … Although I retired about thirteen years ago, and continue to be retired, about one year ago I opened up a little business on Main Street here in Longmont, Colorado. It is a multi-purpose gathering space, under the guise of a coworking... Read more »
  • The Twenty Dollar Swim
    It was mid July, and I had just finished a sweaty run on the trails which criscross my older sister’s farm in Canada. I was overheated and heading straight for their swimming pool when she saw me walking across the lawn. “Oh yeah, please do use the pool! You’ll help... Read more »


  • mp3106 | From Addiction to Financial Independence | Ms Fiology
    Deanna, blogger at msfiology.com, shares her journey from drug and alcohol addiction to recovery, paying off six-figures of personal debt, and getting started on her path toward financial independence. For more information, visit the show notes at https://choosefi.com/106 ... Read more »
  • mp3105R | Solar Panel Cost Analysis
    Brian Feroldi joins the show to talk about the costs and benefits of installing solar panels and answers questions about his investment strategies, and Brad and Jonathan recap Monday’s episode with Paula Pant before announcing a new ChooseFI project on the horizon. For more information, visit the show notes at... Read more »
  • mp3105 | You can Afford Anything but not Everything | Paula Pant
    Paula Pant, creator of Afford Anything podcast and blog, dives into her love for travel, her rejection of the traditional 9-5, and how she built an income to match her lifestyle. Paula moved to the U.S. as a baby, just after being born in Nepal. Her only travel growing up... Read more »
  • mp3104R | Travel Rewards | End of Year Planning
    An update from Marla Taner on 2018’s best travel reward options, a hack for keeping your bills low, a review of Monday’s episode with Doc G.   Jonathan tries out a new service to ensure that his bills are staying low. Billfixers.com is fixing a ‘pain point’ for Jonathan. How... Read more »
  • mp3104 | Ultimate Advice To my Younger Self | DiverseFI
    Doc G, writer at DiverseFI.com, shares his experience and mindset as he considers stepping away from his career as a doctor, and highlights the value of building purpose, identity and connection. For more details, visit the show notes at https://ChooseFI.com/104... Read more »

    Early Retirement Extreme

  • Interview with Modern Gal
    Today we have an interview with Modern Gal, who quit her corporate career at age 35 and decided to join a non-profit and make a difference in the world. It seems that we have a lot in common. Q: What is your early retirement story? MG: About 7 years ago,... Read more »
  • Skills and Imagination
    Copyright © 2007-2015 earlyretirementextreme.com This feed is for personal, non-commercial use only. The use of this feed on other websites breaches copyright. If you see this notice anywhere else than in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint: 47d7050e5790442c7fa8cab55461e9ce)Originally posted... Read more »
  • The examination anticlimax
    Has anyone ever felt that or know what I’m talking about? Maybe one needs to have been studying for a while. I am talking about the period, usually about a week or so, right after an examination and right after a major cramming session which has suddenly been replaced by... Read more »
  • Information, knowledge, and wisdom
    We definitely live in an information society, yes! We might live in a knowledge based society. Emphasis on might! But can we claim that our society is wise? Definitely not! Today there are more people than ever before working on generating information. Information is in a sense any piece of... Read more »
  • Accident by construction – why technology and regulations increase risk
    Note: Large parts of the book were inspired by [the thinking behind] this post and normal accident theory. Most people organize themselves in a lifestyle which is very prone to accidents. I do not. Bad things practically never happen to me. Conversely, good things happen rather often. This is because... Read more »

    Physician on FIRE

  • Ether to FI: Frugal Spouses: The FI Superpower & a Net Worth Update
    Today, Ether to FI checks in with another of his bimonthly updates. Despite some unpleasantness in the markets, his family’s net worth continues to climb, as they’re now worth more than five times what they were when we first met them when he was fresh out of residency in July... Read more »
  • The Sunday Best (12/16/2018)
    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:... Read more »
  • Is It Better to Invest for Cash Flow or Appreciation?
    When investing, it’s important to think about your objective. It’s tough to answer the question “Where should I invest my money” without knowing what you hope to achieve. Today, Passive Income MD reviews two of the most common objectives: investing to receive ongoing cash flow and investing in assets that... Read more »
  • VideoChristopher Guest Post: Miss Bonnie MD
    I’m honored to have my friend Miss Bonnie MD here to allow us to get to know her better. The good doctor is a leading voice in the physician personal finance space. She focuses on empowering female physicians to take control of their finances to create a better, more balanced life... Read more »
  • The Best Business Credit Cards for Small Business or Private Practice
    I’ve been a small business owner for most of my career. In recent years, I’ve learned how to leverage various credit cards to maximize rewards. You may be a small business owner, too. If you have a private practice or a partnership, that’s obviously a business. If you earn money... Read more »

    The Wealthy Accountant

  • Do You Need an Investment Adviser/Financial Planner?
    Once again we see the market throwing a temper tantrum. On the way up it was tempting to handle your investments on your own. Now with the horizon less clear and a modest correction in the books as I write, you wonder if professional help might be worth the extra... Read more »
  • Is Staying Fully Invested in the Market the Right Move?
    Most of the time the stock market is climbing north. Interspersed between bull markets are those times when rookie investors act as if the sky is falling. Long bull markets turn normally intelligent investors into casino gamblers; they even use gambling terminology: we're due for a bear market or as... Read more »
  • Regaining Motivation When You Have No Debt
    The literature is largely silent on what you should do once you attain financial independence(FI). Plenty has been written about building wealth and how much is needed to reach FI and how much you can safely withdraw each year in retirement. Plenty of debate has also revolved around paying off... Read more »
  • The Benefits of Having a Mortgage
    Paying off the mortgage is the American Dream and the first step toward retirement; it's harder to retire with a mortgage payment blowing a hole through a fixed budget. Owning your home is the foundation of any vibrant financial plan. Until your home is unencumbered (without a mortgage) the bank... Read more »
  • How to Retire Happy with Lots of Money
    It didn't exactly start with Mr. Money Mustache, but the FIRE community solidified around Pete and his work. Pete retired at the ripe old age of 30 and set a new standard in early retirement. News feeds have a litany of stories of 30-somethings living the good life as they... Read more »

    Mad Fientist

  • The Tax Benefits of Forming an S Corporation
    If you have a profitable business, forming an S Corporation can potentially save you thousands of dollars every year on your taxes! Read more → The post The Tax Benefits of Forming an S Corporation appeared first on Mad Fientist.... Read more »
  • Why Everyone Should Have Their Own Business (and How to Guarantee Success)
    If you focus on the right things and start your business in the correct way, you're guaranteed to improve you life both before and after early retirement! Read more → The post Why Everyone Should Have Their Own Business (and How to Guarantee Success) appeared first on Mad Fientist.... Read more »
  • mp3VideoJames Clear – Atomic Habits and Building a New Identity After Retirement
    James Clear joins me on the Financial Independence Podcast to talk about productivity, deliberate practice, fasting, and his new book - Atomic Habits! Read more → The post James Clear – Atomic Habits and Building a New Identity After Retirement appeared first on Mad Fientist.... Read more »
  • mp3Travis Shakespeare – Playing with FIRE
    The director of the "Playing with FIRE" documentary joins me to talk about the film that has the potential to take financial independence mainstream! Read more → The post Travis Shakespeare – Playing with FIRE appeared first on Mad Fientist.... Read more »
  • VideoThe Incredible Tax Benefits of Real Estate Investing
    Professional real estate investor Chad Carson breaks down the 10 best tax benefits of real estate and explains how they can help you retire earlier! Read more → The post The Incredible Tax Benefits of Real Estate Investing appeared first on Mad Fientist.... Read more »

    Millennial Revolution

  • How To Invest in the U.A.E.
    Today I’d like to introduce you all to a friend I met during this year’s Chautauqua in Greece. I’m endlessly fascinated by how people from other countries pull off FIRE, and Steve Cronin is an expert on how to invest towards Financial Independence while living as an expat in the... Read more »
  • Let’s Go Exploring! Estonia: The Silicon Valley of Europe
    If you’ve ever used Skype before,you need to thank Estonia.   Long before it became a global success with 300 million users, it was a tiny start-up in Tallinn. The coders, who also happened to be schoolmates, Ahti Heinla, Priit Kasesalu, and Jaan Tallinn (yup. Apparently a real name), had... Read more »
  • How Much Are You Paying to Work?
    “Can you write about how much you’re paying to work?’” We got this e-mail from a reader recently. Apparently, once-upon-a-time I’d mentioned in a post how we don’t realize how much we PAY to work. I said I’d be writing about this in a future post, but then forgot to,... Read more »
  • Reader Case Update: The South Korean English Teacher Returns
    On this blog, we have a lot of fun. We make a bunch of dick jokes, we make fun of home boners, we do a WHOLE lot of MATHING SHIT UP, and, occasionally, we change people’s lives. Hopefully for the better. But as much as I’d like to take as... Read more »
  • The Hedonic Treadmill of Smart Phones
    “Whoa, is that your phone?” We were at Chautauqua Greece and I had whipped out my smart phone to take out a picture. And as soon as I did, it was snatched out of my hands, passed around the group like an alien baby as a crowd of onlookers gawked... Read more »

    Fiery Millennials

  • The Power of Networking
    What if I told you there was one simple thing you could do every day that would save you thousands of dollars a year in expenses and even have the potential to make thousands more a year? It’s so easy, little kids can do it! I’m not referring to pooping... Read more »
  • Decisions, Decisions
    I feel a small point of clarification is needed from me before we dive into the meat of the post today after appearing in a MarketWatch article yesterday. Most people walked away with the impression I tried to retire on $200,000 at the age of 27 and I just wanted... Read more »
  • A New Perspective
    I’ve always considered myself pretty short. It seems everyone I know towers over me. The average American woman is 5′4″ so I was literally of average height. I say “was” because it appears I have grown an inch somewhere along the line and I now check in at 5′ 5″... Read more »
  • What’s Next
    After months of confusion, inner turmoil, and lots of angst.… this experiment has come to an end. My boyfriend and I broke up last week. I am incredibly sad we couldn’t make it work. He is a fantastic person — just not fantastic for me as a romantic partner. There... Read more »
  • How to Be a Freelancer
    I’d like to think I’ve learned a thing or two about freelancing since I quit my corporate job 6 months ago. It turns out, I have! But, it also turns out there’s a lot of things I’m not doing the best way. Fortunately for me (and for you), I have... Read more »

    Go Curry Cracker!

  • Twenty Pounds of Pasta
    In Spring of the last 3 years I have stepped off a plane in Europe, wearing stylish skinny jeans and a classic neckline T-shirt. 3 or 4 months later, I was sporting a budding double chin and elastic waistline “athletic” shorts. Upon returning “home” I would slowly shed my substantial... Read more »
  • Bonus Season!
    The holiday season is quickly approaching, a time when many are hoping for or expecting a hefty year-end bonus. Without traditional employers, alas, nobody will be sending us a check to install a new swimming pool or even a membership to the jelly of the month club. (The gift that... Read more »
  • Enjoy the Journey
    GCC: We first met Bob and family at an expensive import coffee shop (aka Starbucks) in Osaka, Japan, where we enjoyed some tasty treats as a globetrotting respite. So clearly this was after they had found balance and inner peace 🙂 Check out this personal story from the trenches of... Read more »
  • When Things Don’t Go According to Plan (Now What?)
    This whole early retirement thing has been pretty easy so far, thanks to a solid plan and a bit of luck. We have had a hefty economic tail wind, a strong US dollar, (mostly) good health, unexpected income, a low tax burden, and an abundance of enthusiasm and good cheer.... Read more »
  • Is Your 401k Too Big – Part 2
    (This post is the 2nd in a series. Subsequent posts forthcoming… soon. See the first post: Is Your 401k Too Big?) A Traditional 401k / IRA allows us to invest for the future in a tax advantaged way. However, in some cases these accounts can become tax disadvantageous due to sheer... Read more »

    Get Rich Slowly

  • The case for separate (but combined) finances
    In the world of personal finance, the subject of how couples share (or don't share) their money comes up time and time again. It's no surprise. After all, money problems are a leading cause of divorce. But for some reason, the concept that “personal finance is personal” doesn't always factor... Read more »
  • VideoA postcard from Europe: A mid-journey update on my travels
    Greetings from Prague! I'm just over halfway through my European vacation, so I thought it'd be fun to share some of my adventures and to take a glimpse at the financial side of this journey. This trip is unusual for me because I'm traveling with a party of six. My... Read more »
  • Which matters more for building wealth: your saving rate or your investment returns?
    My name is Zach, and I write at Four Pillar Freedom, where I tend to tackle financial topics through data visualization. While J.D. is on vacation, I offered to explore one of his favorite topics: the effects of saving rate versus investment returns. Albert Einstein supposedly once said that compound... Read more »
  • The perfect gift is cheap and easy
    If you're panicked because you still haven't thought of the perfect gift for the people on your Nice List, you'll be relieved to know you don't need to spend as much time as you might think looking for something thoughtful. You also don't need to run up your credit card... Read more »
  • How we used geographic arbitrage to pursue our dreams (and enrich our lives)
    Howdy. My name is Michael Robinson. While J.D. is visiting Europe with his cousins, I volunteered to share how my wife and I have leveraged the power of geographic arbitrage to pursue our dreams — and to build our wealth. Geographic arbitrage means taking advantage of the differences in prices... Read more »

    Our Next Life

  • The Downsides of Off-Peak Travel
    Traveling when very few others travel has loads of benefits, most notably lower prices, sometimes dramatically so. But it's not without its downsides, as we experienced on our recent trip to France. So let's talk about those downsides. The post The Downsides of Off-Peak Travel appeared first on Our Next... Read more »
  • Ambition Doesn’t (Have to) End at Retirement
    It’s easy to assume that the whole point of early retirement is to be able finally to stop striving. To stop working toward that next promotion, and to stop letting money be a big motivator in your decision-making. And while those two instances in particular are true, early retirement doesn’t... Read more »
  • There Is No Financial “Truth” (But Why That’s a Good Thing)
    We're supposed to save 2 times our salary by age 35, or is it 25 times our expenses to retire early? We're supposed to ignore Social Security, but also claim it at 62 to hedge against market risk. We should try to get out of debt as quickly as possible,... Read more »
  • Early Retirement Health Care Costs for 2019 and Beyond
    Whether you need to buy exchange health insurance for 2019 or you're just planning for future years in early retirement, it's worth doing your homework now on health care costs and factors. To make that easier, I've highlighted the most important factors to consider and how to do the best... Read more »
  • Don’t Just Travel Off-Peak, Be Opportunistic on Location
    If you care at all about world travel, you already know all about planning your trips during off-peak periods. And while that saves money, it pales in comparison to being agnostic and opportunistic about where you travel. Here's how to do it, and why you should. The post Don’t Just... Read more »


    The Money Mustache Community

  • Re: Watcha making for dinner tonight!?
    Made a chicken Ranch tenderloin CasseroleA bag of frozen Chicken and Garlic vegetable pastaBox of Rice n Broccoli Rice a RoniFrozen Broccoli... Read more »
  • Re: Saving to $10K
    Dug a bit deeper into my Super and found a lost (not really, just unknown to me) $20,000... so that was nice O_O brought total net worth up to a little over 9grand, but I intend to stick with this thread until NW minus Super and HECS is 10k (they... Read more »
  • Re: Case study: will we have to teach forever?
    First, congratulations on finding your direction!  I don't think it's at all bad to take time to really think deeply on your direction before you get serious on your details; more power to those who can, but you could easily find you were going faster ...... Read more »
  • Re: Analysis of where I am and how to speed up my path to FIRE
    Quote from: the FUNance Guy on December 17, 2018, 06:49:31 PMCurrent expenses: Mortgage: P&I - $1018, escrow- $318Food: $600Internet: $80Cellphone: $90Car Insurance: $115Utilities: $350Misc (HH expenses, food out...... Read more »
  • Re: Choosing not to have kids in order to pursue FIRE?
    Hello everyone, this is my first post WOW. What a serious topic! Or is it really...Most people love children, as l do, especially those cute asian and latin ones; but more importantly, we are genetically programmed to reproduce and it can be argued, s...... Read more »

    Millennial Boss

  • November 2018 Income Report – $5,512
    It’s the holiday season so this income report will be short and to the point. I made $5,512 in November. It’s the second month now where I broke $5,000 and it feels good. The top reasons for this recent income bump include: I now run Facebook Ads to the blog... Read more »
  • Things I Learned From Going to College with Wealthier Kids
    During my Junior Year of High School, I had narrowed my college search down to two schools and was trying to decide between the two. When my Dad and I toured the college I ultimately chose, which was a prestigious liberal arts college,  I took note that the students there... Read more »
  • 13 Best Cheap Teacher, Bus Driver or Coach Holiday Gifts
    Saying thank you to the people who help take care of your kids when they’re headed off to school or at school is very important, but it can also be costly. Fortunately, there is a way to offer a heartfelt thank you without breaking the bank. Here are the best... Read more »
  • 13 Best Christmas Gifts for Kids in California 2018
    What makes these gifts better for California kids, really nothing more than good weather. All of these toys are better played outside than inside, so apply all these to some of the warmer winter states, like Hawaii and Arizona as well. Enjoy the top Christmas Gifts for Kids in California.... Read more »
  • Best Christmas Gifts for Your Husband When You’re Trying to Save Money
    The holidays are a time to give thanks to the ones you love, but with all the people on your list, you sometimes have to skimp on that gift for your husband. After all, he’ll understand. But just because you’re cutting back, doesn’t mean your kit can’t have a lot... Read more »


  • Truly Passive Real Estate Investing
    The house pictured above is in Montgomery, Alabama. I have never seen this house in real life. I have never been to Montgomery, although I am sure it is lovely. The odds are good that you, too, have never been to Montgomery and have also never seen this house. Even... Read more »
  • Car Talk: An update on Steve and looking at Leafs
    On this Thanksgiving Day one of the things I am grateful for is our trusty 2007 Forester, Steve. I last wrote about Steve a couple of years back, and in that post I tell the story of his awkward name. At the end I invited you to tell me about... Read more »
  • Chautauqua 2018 Greece: A week for the gods!
    “No one in my day-to-day life understands this FI path. At Chautauqua, everybody gets it. I have found my tribe.” Way back in 2012 I headed to Ecuador to create the very first Chautauqua held in the fall of 2013. The basic concept then, as now, was… Travel to a... Read more »
  • On Twitter, gone for Chautauqua and dark on comments till November
    Yeah. I’m amazed, too… JL Collins NH on Twitter Newbie that I am, I am not entirely sure how I’ll be using it. Mostly likely letting my followers in on random things I think are cool and my comments on issues that don’t require a full blog post. My first... Read more »
  • What we own and why we own it: 2018
    So as not to keep you in suspense… 76% = VTSAX 23% = VBTLX  The Total Bond Market Index Fund. 1% = Cash in  VMMXX. A checking account at our local bank for ready cash and paying bills. Back in the day… Way back in June, 2011 I launched this blog. That month I... Read more »

    Financial 180

  • 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 »
  • Early Retirement Fun!
    It's been 250 days since I quit my stressful job in software engineering to dip my toes in the early retirement waters, so I wanted to give you an update on post-retirement life. First, some big news: I was one of the winners of the FinCon scholarship program this year! If... Read more »
  • Fire Drill Podcast!
    This week I had the pleasure of being featured on the Fire Drill Podcast with Gwen from Fiery Millennials and J from Millennial Boss! How to Learn from Mistakes and Turn Your Life Around with Joel from FI180.com Some takeaways from the episode: Recovering from significant real estate and investment mistakes... Read more »
  • FI is Hard
    A common theme here in the financial independence community is simplicity. Mr. Money Mustache has his classic “Simple Math of Early Retirement” post, which took the FIRE world by storm. Jim Collins wrote “The Simple Path to Wealth”, which has become the de-facto starter kit for people looking to begin their... Read more »

    zen habits

  • Training in Uncertainty
    “We are always in transition. If you can just relax with that, you’ll have no problem.” -Chogyam Trungpa By Leo Babauta I’ve been training in uncertainty for a few years now. I realized that the people I coach and teach are just like me: we feel shaky, scared, anxious, uncomfortable... Read more »
  • Simplify Technology with Limits
    By Leo Babauta I am no technophobe, but I do believe in living consciously … and technology has a tendency to overrun our attention and our lives. It’s designed to do that: tech companies are motivated to keep our attention in their apps, their websites, their devices. They’ve found incentives... Read more »
  • A More Deliberate Way of Living
    By Leo Babauta Our lives are often spent in a rush, almost on autopilot, drifting from one wave of busyness and distraction to another, adrift in a sea of crises and urges. There’s noise and quick tasks, lots of tabs, messages and requests, demands on our attention, multitasking, mind scattered... Read more »
  • How to Get Good at Dealing With Massive Change
    By Leo Babauta It can be stressful and anxiety-inducing to be in the middle of a bunch of life changes at once — so much so that it can turn a time of change into a time of misery. We all go through times of massive change: a divorce, death... Read more »
  • Sacred Bow: An Intentional Way to Close Out the Year & Start the New Year
    By Leo Babauta We’re entering the last month of the year, and it can be a crazy, shopping-filled, party spree of a month for many people. Or it can be a simpler, more mindful period of closing out the year and getting ready for the coming year. I’d like to... Read more »


  • The Pension Series (Part 18): Social Security – The People’s Pension
    Waffles and Chicken(shit) I’ve waffled in recent weeks on the need to write a post about Social Security for the Pension Series. On the one hand, since the American form of Social Security pays out in annuity form, it seems like a relevant topic for the Series. Plus, an overwhelming... Read more »
  • Choices and Thankfulness
    Happy Thanksgiving “What are you thankful for this year?” is a commonly asked Thanksgiving question. It’s usually asked around dinner tables, which is where we Americans typically celebrate this holiday designed to bring us together and reflect on the bounty in our lives. In fact, Mrs. Grumpus and I asked... Read more »
  • Retirement Anxiety: How I Retired Mine
    Anxiety Check How are your retirement anxiety levels at the moment? I must admit my levels were high earlier this week. As described in my previous post, I recently realized that I’m (probably) not going to make it to 21-years of military service. Thus, I’m (probably) going to retire after... Read more »
  • Work, Mental Health, Disability, and Retirement Planning
    Time For a Rethink I recently started ramping down my anti-depression and anxiety medication that I take for my PTS linked issues. I didn’t make this mental health decision lightly. You see, based on my doctor’s recommendation, I tried to ramp down before. I wasn’t successful. My mood swings were... Read more »
  • The Opposite of Gutting It Out
    My Gutting It Out post must have struck a chord with many of my readers. It prompted numerous comments, re-posts, and questions on the Book of Face. It continues to be one of my most read articles, and it even prompted a fellow Financial Independence (FI) blogger to write an... Read more »

    Money Metagame

  • How to Shop Efficiently on Amazon via Crowdsourcing
    Shopping on Amazon can be overwhelming at times.  A search for a simple product can sometimes yield hundreds or even thousands of potential choices! I’ll break down how to filter through these choices efficiently.  Within minutes, it’s possible to locate the product with the best price to quality ratio, as chosen... Read more »
  • Gap Year Spending Month 9 – $3,640.03
    Another month of traveling around the country full time is in the books and spending time in New England wasn’t cheap.  Honestly, it wasn’t that expensive relative to a typical month of living in Seattle either! We started the month outside of beautiful Acadia National Park and finished it in... Read more »
  • Job Spotter App Review: Hidden Money in Everyday Life
    Do you pick up coins off the ground?  Maybe only nickles and above?  Job Spotter, a smartphone app, lets you find money hidden in plain sight in the form of “Now Hiring” signs!  Snapping a picture of a hiring sign is worth between 5 cents and $1.50, paid out via Amazon... Read more »
  • Gap Year Spending Month 8 – $3,116.12
    Starting from Seattle in February, my wife and I have now spent 8 full months traveling across the country! We’ve never tried anything like this before, so we had no idea how much our adventure would cost.  Therefore, we are tracking every penny spent and keeping a running tally here... Read more »
  • Gap Year Spending Month 7 – $1,605.04
    Another month of adventuring around the country is in the books and we’ve once again broken our record for lowest amount of spending! We started the month with friends and family in Indianapolis before making our way north to Minneapolis for another amazing CampFI!  We finished the month making our... Read more »

    Budgets Are Sexy

  • A Christmas Sabbatical 🎄🎄🎅
    A Christmas Sabbatical 🎄🎄🎅 “Almost everything will work again if you unplug it for a few minutes, including you.” – Anne Lamott You know those people who quit their jobs and then sell everything they’ve got to go on an epic life-changing adventure? Well, I’ve never had the balls to... Read more »
  • A Bunch of Q&A’s on 529s, Cell Phones, Money Coaching, Minimalism, Blogging, Life, and Business
    A Bunch of Q&A’s on 529s, Cell Phones, Money Coaching, Minimalism, Blogging, Life, and Business Hey hey! Got a batch of new questions passed my way over the months, and thought I’d share some of them here in case anyone else is wondering the same things… If there’s something you’ve... Read more »
  • Net Worth Report: $851,800.32 (+$9,619.40 // +1.14%)
    Net Worth Report: $851,800.32 (+$9,619.40 // +1.14%) Well this was a much less exciting month! And I’ll take it every time, haha…. (SlowAndSteadyIsSexy.com!) Good to see all those reds turning back to greens though after last month’s blood bath, and now if we can only find an extra $50,000 laying... Read more »
  • Pop Quiz: How do you feel about the money you spent this week?
    Pop Quiz: How do you feel about the money you spent this week? Are you pleased with it? Horrified? Don’t even want to know so you’re going to click away now? 😉 Let’s do an exercise today where we look back at what we spent this week and see how... Read more »
  • Would you live at The Mall for $700/mo?
    Would you live at The Mall for $700/mo? Just heard about this on the radio this morning and so fascinated by it… Apparently you can – or soon can – rent an apartment at the mall for only $700/mo! Would you do it?? I’ll be honest, if I were single... Read more »

    The Escape Artist

  • Now That’s What I Call Financial Independence! 14
    When you grow up in the ‘hood, you do what it takes to stay alive. And when you grow up in rural East Anglia you do what it takes not to get bored. So it may or may not surprise you that, back in the day, The Escape Artist was... Read more »
  • RESET : How one family changed their life
    Until recently, I’d not come across a full-on UK book about financial independence. That changed a few weeks ago when David Sawyer got in touch and sent me a copy of his book RESET. I get a lot of emails from people wanting to do guest posts…I turn 99% of... Read more »
  • How to Get Rich (without getting lucky)
    Today we have some solid gold from Naval Ravikant’s twitter feed. For those of you that have not come across Naval, he’s a remarkable individual. He started off as a penniless Indian immigrant and ended up a wealthy American tech entrepreneur / investor in San Francisco. He’s the founder of... Read more »
  • Honestly, could this investing lark be any easier?!?
    If you think investing has to be complicated or scary or difficult then you’re looking at it wrong. It’s as easy to invest in the stock market and manage your own portfolio as it is to manage an online bank account. So how can you tell if you’re capable of... Read more »
  • How I made £1.7 million…then gave it away
    There is more than one path to becoming wealthy. And some of them don’t revolve around grinding out a decade or two in an office job. It turns out that some people make money from starting a  business that they enjoy.  Some even make money from businesses that they enjoy... Read more »



  • Growing Financial Freedom
    Financial freedom grows along a spectrum and financial independence is one point in the journey. I like to focus on growing financial freedom. Because it’s something we can all do. At each step in the journey. You pay off some debt, your financial freedom grows. You start investing, your financial... Read more »
  • Holidays You Want to Have
    Holidays can be the most joyful time….and the most stressful. I think we all would like to lean towards more joy and less stress. I’ve always had holiday anxiety. Ever since I was a kid. My mom did everything right to create a perfect holiday experience and I sat in... Read more »
  • The Mini-Retirement is Over
    My passion for ice cream is no secret. There’s a local place I adore. Often I get a single scoop in a waffle cone. But sometimes I feel like there has been a large shortage of ice cream in my life and I will order a double. And it’s delicious.... Read more »
  • How to Plan and Budget for an Epic Trip
    We did a 10-week family trip this year with our 5 kids. We went to 11 National Parks, museums, Disney, State parks, and zoos. It was amazing on so many levels. It was inspiring, restful, adventurous and fun. In the end, our out of pocket expense was $1850.  Trip Planning... Read more »
  • VideoCan You have FIRE and Faith?
    Last week I attended a conference of 2200 people involved in personal finance and media called Fincon. I was slotted to speak alongside four other familiar faces in the FIRE (Financial Independence Retire Early) community. JD Roth (Get Rich Slowly), Pete (Mr. Money Mustache), Carl (1500days) and Leif (Physician on... Read more »

    Can I Retire Yet?

  • Finding the Right Financial Advisor
    This blog is written for and by DIY investors and retirement planners. In the process of working on it, I’ve learned a lot of people need personalized financial advice and guidance. It would be failing a large percentage of our audience to not recognize their need and assist them. This is... Read more »
  • Does FIRE Make Life Harder?
    I was an avid reader of financial independence, retire early (FIRE) blogs on the path to my own early retirement. They served as inspiration and education. However, I found them to be an echo chamber. Each tries to outdo the next in an effort to show you how to optimize... Read more »
  • My Favorite Books and Podcasts: 2018
    When we need advice, most of us consult a friend. There is nothing like a personal referral from someone who has “been there/done that,” and has your best interests at heart. So, traditionally, around this time of the year, I’ve written a “Favorites” post like these I did in 2014,... Read more »
  • November 2018 Best of the Web
    It’s time for our monthly collection of articles to help you save more, invest smarter and retire sooner. We share several newsworthy events and announcements that occurred in November. The IRS announced increased contribution and income limits for retirement savers. As market volatility continues, we share a few different perspectives... Read more »
  • Are Health Care Sharing Ministries A Viable Alternative To Health Insurance For Early Retirement?
    Like many Americans planning early retirement, our family’s biggest challenge is obtaining affordable health insurance. We’re searching for an affordable, long-term solution to bridge the gap from employer provided coverage to Medicare. My recent research shows purchasing Affordable Care Act (ACA) compliant insurance on the marketplace presents several challenges. For... Read more »

    The Millionaire Educator

  • Tax Planning: 2019 Free Money!
    Greetings to all my Free Money! tax-planning brothers and sisters.  With 2018 almost over, it’s now time to take a look at our 2019 Free Money! amounts.  (This is by far my most anticipated post every year; it amazes me how many inquiries I get about the status of this... Read more »
  • How We’ll Save $130k in 2019
    If you live long enough, you’ll see many unimaginable and “impossible” things.  Over the course of my lifetime, I’ve seen:  the Patty film, the discovery of the giant squid, the Braves, Cubs, and Red Sox win the World Series, the Saints and Buccaneers win Super Bowls, and even my Davidson... Read more »
  • How to FIRE on Two Teaching Salaries in 7 Years or Less
    Long overdue greetings to all my loyal readers.  For the record, I missed you too.  In case you missed it, we’re now back in Georgia after our one-year adventure in Merida, Mexico.  We have a new house, new jobs, and a new school for our son.  We’re living in Statenville,... Read more »
  • Tax Planning: 2018 Free Money! (Final Version)
    Belated Merry Christmas and Happy 2018 Tax Planning to all my millionaire readers.  Well, it finally happened–on December 22rd, 2017 President Trump signed the Tax Cuts and Jobs Act of 2017 setting off a number of changes to the U.S. tax code.  This means that we now have new tax... Read more »
  • 80 Thoughts on 500+ Days of Jogging
    In July of 2016, I noticed that my physical conditioning was not what it should have been.  I had just finished two years of teaching at Coffee High School in Douglas, Georgia, and I realized that I needed to start exercising seriously again.  Later that month, in an attempt to... Read more »

    Independently Financed

  • Everyone should have access to the federal Thrift Savings Plan, but not for you reason you think
    Shortly before his humiliation and expulsion from public life, Florida Senator Marco Rubio resurrected the idea of allowing some non-government employees to invest in the Thrift Savings Plan, which is the federal equivalent of private-sector 401(k) and non-profit 403(b) plans. The proposal got some sympathetic attention from lazy personal finance... Read more »
  • What was behind Robinhood’s very bad week?
    Since the product was announced on Thursday I’ve been following with interest the drama surrounding Robinhood’s “Checking and Savings” product, which has since been put on hold and rebranded as a “Cash Management” account. It’s an interesting story about the brokerage and banking industries, and I think it’s possible at... Read more »
  • The SEC offers free financial planning tools. Are they any good?
    This is a funny thing I was unaware of until I saw someone mention it on Twitter the other day: the SEC hosts a website offering free financial planning tools. I was surprised, since I think of the SEC as having a “hands-off” approach to investing: they don’t want people... Read more »
  • Book review: Reihan Salam and the limits of American greatness
    The local public library recently spit into my hands Reihan Salam’s slender volume about US immigration policy, “Melting Pot or Civil War? A Son of Immigrants Makes the Case Against Open Borders.” The “son of immigrants” in question is Salam himself, who is so thoroughly integrated into American life he... Read more »
  • “Effective altruism” is as stupid an idea as “smart beta”
    A spectre is haunting the United States — the spectre of “effective altruism.” This is the idea, lifted from the corridors of financial capital, that philanthropy can and should be streamlined, optimized, A/B tested, and transformed to make sure each dollar is deployed “effectively.”The other day I saw Dylan Matthews,... Read more »

    Slowly Sipping Coffee

  • It’s Official, I’m Unemployed!
    A LOT has changed since my last post. First of all, I’m unemployed for the first time since I was 16 yrs old! Woohoo! Stay At Home Dad (SAHD) Lifestyle Change is now officially in full swing. Yeah!! As for the rest of what’s been going on, my last post... Read more »
  • My Dad’s Suicide: 10 Years Later
    I’m reposting an edited version of this because I noticed I missed World Suicide Prevention Day yesterday. I was dealing with my own depression and finding someone to talk to. I’ve dealt with depression and anxiety a lot over the years and there have been times that I’ve had suicidal... Read more »
  • AC Replacement: Shopping Around Saves Money
    This past week I have had 3 different Heating and Air Conditioning companies at the house explaining to me what is wrong with our AC system and what it would take to correct it or replace it. That’s right, only 6 weeks in and the whole AC/Furnace unit needs major... Read more »
  • Escaping Limbo: Why My Remote Work Sucks
    When I made the decision to leave my job, I felt like I wouldn’t be a good PF blogger if I didn’t monetize my departure somehow. Just plain old quitting is for suckers! Financial Samurai espouses, “Negotiate your severance” and for $85 I’ll tell you how! I had multiple people... Read more »
  • VideoMoving to The Country
    While a lot of things have changed for the SSC family in the last few months, there are some things that haven’t. We are starting to get our new schedule established, and responsibilities are getting divvied up accordingly. A new plan of attack is being worked up for this Lifestyle... Read more »

    Coach Carson

  • How to Be a Flexible Investor & Profit In Any Real Estate Market
    This is a guest post from J Scott, a successful investor who has flipped over 300 houses. J also wrote two real estate books I recommend more than almost any others – The Book on Flipping Houses and The Book on Estimating Rehab Costs. J is one of the best... Read more »
  • From Full-Time Physician to Half-Retirement at 45-Years-Old
    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. Today’s investor profile is about a 45-year-old physician from Chicago who also writes as DocG over at diversefi.com. I met DocG in-person at a... Read more »
  • 3 Helpful Self-Reflection Exercises For the New Year
    It’s nearly time to say goodbye to the old year and to say hello to a new one.  Soon you will jump into the hustle and bustle of another 12 months of your life.  But before you do, why not take a little time to slow down and reflect? Writer... Read more »
  • How She Lost Her Real Estate Empire and Then Bounced Back Again
    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. Today’s investor profile is about Bianca DiValerio (aka Miss Mazuma on her awesome blog missmazuma.com).  I really enjoyed this profile because it covers a lot... Read more »
  • How to Buy an Investment Property – From Contract to Closing
    Real estate investing is an amazing tool to help you retire early and do what matters. But before you can achieve those big goals, you have to begin much more practically. For starters, you have to learn how to buy an investment property! And if you’re brand new, the buying process can... Read more »

    Done by Forty

  • 40 Thousand to Freedom
    There's a question that gets thrown around in the FIRE community: is achieving financial independence and early retirement possible for everyone? And I keep getting surprised that the correct answer is hardly ever uttered. I'm not sure I've heard it more than once. Which is crazy. It's such a softball... Read more »
  • A Progressive Take on Regressive Taxes
    Election Day is nearly here, and buried deep down on our Tempe ballot is Proposition 417, which would increase sales tax by a tenth of a percent to fund the arts in our city. Even deeper on page two of our ballot is Prop 126, which aims to prohibit levying any... Read more »
  • Whoops, We Almost Bought a New Car for No Good Reason
    As long-time readers know, we have been battling car lust for a while. Well, at least I have. Our current car, our trusty 2006 Toyota Matrix, has never let us down. Okay, maybe the paint job has let us down a bit. And maybe my DIY clear coat job... definitely looks... Read more »
  • My FIRE Journey & Inequality
    A few weeks ago I was on my way to Culver's for the first time, because even a single dollar donated to the 2018 version of the GOP is one too many. So I decided to donate my burger dollars to a different joint, and Culver's seemed like it would... Read more »
  • Three Years Out: Are We on Track for FI?
    Earlier this month, I turned thirty eight. We skipped all the birthday stuff this year, no cake or parties or singing, opting instead to have a quiet day with just the family, as Mrs. Done by Forty mercilessly beat me at Kingdom Builder and Viticulture.Birthdays be damned: her victory would... 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 »

    Military Guide

  • VideoVideoUSAA And The Final Month To Opt In To The Military Blended Retirement System
    Here’s the latest information and tools to make your military Blended Retirement System decision– and a new way to think about your career and your choices. [Note: I’m participating in Kate Horrell’s #BRSBlitz initiative. I’m not compensated by USAA for this campaign and you won’t see any FTC disclosures like “#USAAPartner”,... Read more »
  • 2019 VA Disability Compensation Rates – Updated Veterans Compensation Benefits Rate Tables
    The 2019 VA Disability Compensation Rates are effective as of Dec. 1, 2019. If you receive VA disability pay, you will notice the increased amount in your first check in January 2019. There was a 2.8% increase from 2018, the largest such cost of living adjustment (COLA) since 2012. The government... Read more »
  • VideoDept Of Defense Update On The Military Blended Retirement System
    On Wednesday 28 November, the DoD BRS office held a teleconference. The numbers As of Monday 26 November, the unofficial opt-in numbers are: 307,213 307,207 active-duty total opted in  [Updated Monday 3 December] 243,709 active duty 63,498 Reserve/Guard. This is out of roughly 1.6 million opt-in eligible servicemembers. Approximately 100K new servicemembers... Read more »
  • Video“11 Years Of Service: How I Chose Legacy High Three Over The Blended Retirement System”
    [Nords note:  You have five weeks to decide about opting in to the Blended Retirement System.  Get it done before 31 December 2018.  We’ve had some strong pushback on my last post, “Your BRS:  It’s Not About The Money”, and I offered Warner25 the opportunity to explain his legacy High Three perspective. ... Read more »
  • 2018 Veterans Day Free Meals & Discounts
    Updated for 2018! Veterans Day is Nov. 11, 2018, with the official Federal Holiday designated on Monday, Nov. 12th. This year, hundreds of restaurants and companies are offering military members and veterans a free meal or another discount as a sign of appreciation for their service to our country. This guide will show... Read more »

    Satisfied Ghost

  • Re-examining my investing philosophy after a move
    Things have been quiet in the Satisfied Ghost online world lately, because things in IRL have been crazy! Over the last few months we decided to employ domestic arbitrage and moved from our home in the HCOL Bay Area to another state. I’ll detail the decision, process and details later.... Read more »
  • The all-or-nothing world of “Dying for a Paycheck”
    Those in the Financial Independence Retirement Early community work hard. That statement on its own is not much of a surprise for those familiar with the community. Yet it’s counter-intuitive—why do insanely productive and industrious people want to retire young? I think it has something to do with two things:... Read more »
  • Welcome to stock market volatility
    We’re officially in a stock market correction, with  major indices down 10% from their all-time high. This isn’t surprising. I’ve been waiting for a stock market correction for a few years. We’ve been climbing since the financial crisis, and an inevitability of markets is movement. What comes up, must eventually... Read more »
  • New Year’s Hack: pick a one-word theme for 2018
    As 2017 comes to a close, I’ve been reflecting and also making lists of what I want to accomplish next year.  I love to make lists: lists of goals, accomplishments, dreams and groceries. I have paper and Evernote notebooks filled with these lists. While these goals are useful, focus is an... Read more »
  • Financial freedom through half-assity
    Last month I attended the Chautauqua in Ecuador. It was an amazing experience for many reasons, but primarily for the amazing people I met. People I’d been reading for years, like JL Collins, Vicki Robin, the folks from Millennial Revolution, and Mr Money Mustache, as well as a collection of... Read more »


    Birds of a FIRE

  • Starbucks For Life: How To Get 2x Free Entries Per Day & Win
    🎵Deck the halls with boughs of holly🎵… and Starbucks For Life, please? We’re super happy it’s here and also ecstatic you can get at least 2 free entries per day! We’ll show you how below. Starbucks For Life started November 27th and will run until December 31 for 2018, a... Read more »
  • Atomic Habits Summary + Review: James Clear On Habits
    Atomic Habits is the best book I’ve read about habits yet. Why is it so incredible? James Clear, the writer of Atomic Habits, lays out a blueprint for creating and keeping great habits. Habits are the compound interest of self-improvement. – James Clear I love the concept of automation. If... Read more »
  • Blanco Par Mandiff Review: Michelin Worth Ubud Experience?
    Ubud is a gorgeous and lush location, where nature combines with the modern for an unbelievable experience. That’s the feeling we got at Blanco Par Mandiff as well. We stumbled upon Blanco Par Mandiff when we looked at the best restaurants to go to in Ubud. After riding our scooters... Read more »
  • Ubud Monkey Forest: Visit Some Friendly Bali Creatures!
    The Ubud Monkey Forest is one of the most magical places we’ve been. With over 700 monkeys and 196 species of trees in 12.5 hectares of forest, this place is a must on your trip to Ubud, Bali. The Ubud Monkey Forest, which is called the Mandala Wisata Wanara Wana in... Read more »
  • Free Solo Movie Premiere: Rock Climbing Vs Financial Independence?
    A few weeks before FinCon 2018 I watched National Geographic’s Free Solo movie premiere in NYC. I couldn’t help but relate how close the movie’s philosophies on rock climbing were to the financial independence movement’s beliefs. The star of Free Solo is Alex Honnold, who ascended the 3,200 foot rock... Read more »

    Financial Samurai

  • Three Things I Learned From My Estate Planning Lawyer Everyone Should Do
    My estate planning lawyer said something interesting before I decided to hire her. “People who aren’t rich might need estate planning more than rich people because they might not be able to afford to pay probate fees in the case of an untimely death.” Leave it to the US court... Read more »
  • Why I Never Contributed To A Roth IRA But Why You Probably Should
    My dad is in his 70s and he mentioned he wish he’d started a Roth IRA when he was young. When you’re in your 70s, you must take required minimum distributions from your pre-tax retirement savings accounts and pay taxes. Given nobody likes to pay taxes, I empathized with his regret.... Read more »
  • mp3Move Over FIRE, Welcome DIRE: Delay, Inherit, Retire, Expire
    When I first started writing about achieving  financial independence early in 2009, I never thought the FIRE movement would reach such a huge level of interest a decade later. After all, only misfits decide to aggressively forgo material pleasures, save 50% or more of their incomes, and retire from well-paying... Read more »
  • Once The Money Is Gone Your Tolerance For BS Disappears
    Some of you don’t believe me that it’s better to retire in a bear market, when all is in shambles, than in a bull market. I, for one, found it very hard to quit the money when times were good. I was always suffering from the “one more year syndrome.”... Read more »
  • A Bond Yield Table Makes It Clear Which Duration You Must Choose
    Hopefully, everybody has been building a CD Step Stool or a Bond Step Stool (not a ladder) in this rising interest rate environment. A Step Stool is the smarter approach because the short end of the yield curve has been rising faster than the long end. The Fed Funds rate... Read more »

    Afford Anything

  • VideoMaybe you don’t need to figure out what’s wrong
    A few months ago, I interviewed a behavioral economist named Dr. Stephen Wendel on my podcast. He suggested an idea that’s so crazy it might work. We were discussing the fact that people often stand in their own way; there’s a gap between intention and action. We know what we... Read more »
  • Video17 Lessons to Improve Your Money & Life
    I’ve learned a ton during the past decade, thanks to reading, interviewing, and massive trial-and-error. I’ve distilled many of these lessons into today’s blog post. Here are 17 lessons that can improve your money and life. #1: Money Can’t Make You Happy, But Lack of Money Can Make You Unhappy... Read more »

    Mr Crazy Kicks

  • 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 shade of 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 … Continue reading → The post How to Get Started... Read more »
  • Reflecting on Two Years of Early Retirement
    For years, I spent my days waking up early and rushing to wash, dress, and sit in traffic only to sit in a cube waiting to rush home. All that time, I was propped up by dreams of a freer … Continue reading → The post Reflecting on Two Years... Read more »
  • How Late Stage Lyme Disease Caught Me Off Guard
    Health, wealth, and time are our most valuable resources, and I like being in control of them. But sometimes circumstances arise that we don’t foresee. Over the past few months my health went out of my control as I developed … Continue reading → The post How Late Stage Lyme... Read more »

    Tread Lightly, Retire Early

  • Marriage And Money: The Case For Separate But Combined Finances
    When I got the opportunity to write a guest post for JD Roth over at Get Rich Slowly, I knew it was time to finally put to paper the idea for a post that had been marinating in my head for quite some time. So often we hear people talking... Read more »
  • Friday’s Frugal Five (2018 – Week 50)
    Apparently Tuesday was the darkest day in the last two years with almost no sun output (0.55 mJ/m^2, if you’re counting). The good news is, we aren’t even to the shortest day of the year yet. Oh wait. Perhaps that isn’t good news. I do love the Pacific Northwest, and... Read more »
  • Women’s Personal Finance Wednesdays: Week 12 Roundup
    Welcome to another week of the Women’s Personal Finance Wednesdays roundup. I started this series after months of debate because I wasn’t certain I wanted to up the ante and commit to publishing three posts a week. However, now that I’ve started sharing these posts, I’m so glad I started.... Read more »
  • Monthly Financial Update: November 2018
    After the last couple of months of less than stellar savings rates, it feels good to write an update that comes closer to where we were at the first half of this year. Juuuuust shy of that 50% savings rate goal I set at the beginning of 2018, but it... Read more »
  • Friday’s Frugal Five (2018 – Week 49)
    A newer tradition in my family has been to visit the Woodland Park Zoo in Seattle during the holidays for Wild Lights, and we went again this past weekend. Last year was rainy and windy, so still fun, but it made us really appreciate this year with relatively nice weather.... Read more »

    Mr. Free At 33

  • Expenses For November 2018
    Time to open up the books on how much money I spent last month. Managing expenses is absolutely critical to becoming financial independent at a young age. In fact, I’d argue it’s much more important to be an excellent saver than an excellent investor in this regard. And in order to... 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 »
  • A Mostly Digital Life?
    Is it possible to live an almost completely digital life?  And is it a worthwhile goal to have?  Well, I won’t aim to answer the second question. That’s up to you. But in regard to the first question, I think the answer is: yes. I think it’s very possible to... Read more »
  • Dividend Income Update For November 2018
    Ahh, dividends. Even just hearing that word conjures up all kinds of warm and fuzzy feelings for me. I remember playing the board game Monopoly as a kid. My favorite Chance card was the one where Mr. Monopoly (or Rich Uncle Pennybags) collected his bank dividend of $50. I thought... 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 Happy Philosopher

  • Buy Nothing 2018 Experiment – November Update
    The purpose of doing an experiment is to learn something about yourself, and to see if there is an opportunity for growth or positive change. I started the Buy Nothing 2018 experiment with this in mind. It started with a no clothes challenge, but since I had plenty of clothes... Read more »
  • Searching for Purpose
    I was sitting on a bench just enjoying the beautiful fall day. It was sunny and warm, or perhaps I was warm due to the semi-vigorous bike ride. Every now and then a cloud would briefly cover the sun or a gentle breeze would throw a slight chill in the... Read more »
  • Losing Everything
      Today’s guest post is written by EJ, a physician blogger who writes at Dads Dollars Debts. I reached out to him shortly after I read this post, and asked him to share his story with all of you. Enjoy! THP   So how does one lose all of their... Read more »
  • You Are Probably Wrong About Everything
    One day, back when I was relatively young and naïve, I was watching an episode of 60 minutes. I’m sure you have probably seen this show at least once, but in case you haven’t it is a news program that does relatively in depth stories on various topics. I used... Read more »
  • Buy Nothing 2018 Experiment – May Update
    I am 5/12th of the way through my buy nothing experiment I started at the beginning of the year. In short, I have decided to be more deliberate about my consumption and buy things only when they meet certain criteria as I described in this blog post.   As I... Read more »

    The Happy Philosopher

  • Buy Nothing 2018 Experiment – November Update
    The purpose of doing an experiment is to learn something about yourself, and to see if there is an opportunity for growth or positive change. I started the Buy Nothing 2018 experiment with this in mind. It started with a no clothes challenge, but since I had plenty of clothes... Read more »
  • Searching for Purpose
    I was sitting on a bench just enjoying the beautiful fall day. It was sunny and warm, or perhaps I was warm due to the semi-vigorous bike ride. Every now and then a cloud would briefly cover the sun or a gentle breeze would throw a slight chill in the... Read more »
  • Losing Everything
      Today’s guest post is written by EJ, a physician blogger who writes at Dads Dollars Debts. I reached out to him shortly after I read this post, and asked him to share his story with all of you. Enjoy! THP   So how does one lose all of their... Read more »
  • You Are Probably Wrong About Everything
    One day, back when I was relatively young and naïve, I was watching an episode of 60 minutes. I’m sure you have probably seen this show at least once, but in case you haven’t it is a news program that does relatively in depth stories on various topics. I used... Read more »
  • Buy Nothing 2018 Experiment – May Update
    I am 5/12th of the way through my buy nothing experiment I started at the beginning of the year. In short, I have decided to be more deliberate about my consumption and buy things only when they meet certain criteria as I described in this blog post.   As I... Read more »

    The Frugal Vagabond

  • Semi-FIRE Abroad: Ordinary Days, Extraordinary Life
    We've been living here in Spain for about four months now, so how is it going? Is it everything we'd hoped for? What do we miss most (and what do we not miss at all)? Just what are we doing with all that spare time? The post Semi-FIRE Abroad: Ordinary... Read more »
  • Obtaining Your Spanish Residency Card (Tarjeta de Identidad de Extranjero)
    How to get your Spanish Residency Card (Tarjeta de Identidad de Extranjero) once you've arrived in Spain. You got your residence visa, now it's time to seal the deal! The post Obtaining Your Spanish Residency Card (Tarjeta de Identidad de Extranjero) appeared first on The Frugal Vagabond.... Read more »
  • How to Get a Spanish Non-Lucrative Residence Visa
    How we were able to live abroad, and how you can too! How to get a Spanish Non-Lucrative Residence Visa and live legally in Spain for a year or more! The post How to Get a Spanish Non-Lucrative Residence Visa appeared first on The Frugal Vagabond.... Read more »
  • Our New Adventure Begins
    A few days ago, we revealed that we’d be taking a sabbatical year to live abroad. It’s the culmination of years of dreaming and many months of planning, but in the very near future, we’ll be living abroad and exploring… The post Our New Adventure Begins appeared first on The... Read more »
  • Massive News: We’re Moving Abroad!
    We're leaving the country, but to where? Who's going? Are we FIRE, or is this something different? How did we get here, anyway? The post Massive News: We’re Moving Abroad! appeared first on The Frugal Vagabond.... Read more »


  • I’m 33 Years Old, and My Net Worth Is…
    “Is he dead?” The small child looks fearfully at the figure of a man that lays lifeless on the side of the trail. Her eyes [...] The post I’m 33 Years Old, and My Net Worth Is… appeared first on Retire29.... Read more »
  • Trust Me, $1 Million is Enough Money to Retire
    The 1994 family comedy Blank Check teaches us a valuable lesson about money and the tendency to underestimate what a modern lifestyle really costs. Acclaimed actor [...] The post Trust Me, $1 Million is Enough Money to Retire appeared first on Retire29.... Read more »
  • Seuss Says: Spend Less Than You Make
    Gather ‘round my friends, I’ve a story to tell. I need your full attention, I’d rather not yell.   This story’s about money, It don’t [...] The post Seuss Says: Spend Less Than You Make appeared first on Retire29.... Read more »
  • Screw You, and Your Extended Warranty
    I am about to do some depraved, awful things to the extended warranty industry. I’m sure you can handle it, but in the event Retire29 [...] The post Screw You, and Your Extended Warranty appeared first on Retire29.... Read more »
  • How to Make a Half-Million Dollar Sausage
    Thanks to it getting picked up by Lifehacker, one of my previous articles titled “Before You Step, First Look Where You’re Standing” has been one [...] The post How to Make a Half-Million Dollar Sausage appeared first on Retire29.... Read more »


    Vital Dollar

  • 17 Apps and Websites to Help You Sell Your Stuff
    If you’re looking to make some extra money or need to make money quickly, one of the best ways to make money is to sell things that you don’t use or don’t need. In addition to making some extra money, selling things you don’t use will also help to declutter... Read more »
  • 9 Foolproof Ways to Save Money on Life Insurance
    Of all the things you can spend money on, life insurance is nowhere near the top of the list in terms of something that is enjoyable or exciting. But if you have a family, life insurance is an important part of your financial plan. With that in mind, you’re probably... Read more »
  • 90+ Budget Categories to Use with Your Own Personal or Family Budget
    Creating a budget is one of the first steps you should take for getting your finances in order. The process can seem overwhelming, but it isn’t difficult. One of the biggest challenges is knowing how to categorize your expenses to keep everything organized. In this article, you’ll find a list of... Read more »
  • How to Become a Transcriptionist: Flexible Work-from-Home Opportunity
    If you’re looking for a way to make money from home, working as a transcriptionist is an excellent option. There is plenty of transcribing work available, the schedule and hours are flexible, and the pay can be pretty good. There is a lot to love about the possibilities of working... Read more »
  • The Complete Guide to Saving Money with Discounted Gift Cards
    While there are a lot of different ways to save money, some of my favorites are the easy methods that don’t take much time or effort. I love being able to make a quick, painless tweak to my habits to save money on things that I need to buy anyway.... Read more »

    Your Money Geek

  • Richard Gabai: Discusses Success and His New Movie “A Gingerbread Romance”
    Today’s interview is with Richard Gabai. He is a veteran of Film, Television, and the LA Rock Scene with a very diverse body of work. He just wrapped “A Gingerbread Romance” which premieres December 16th on The Hallmark Channel.  Richard Gabai: Writer, Producer, and Musician, Shares His Success Story     My questions and... Read more »
  • 9.5 Reasons Why A Sharknado Movie Will Be Biting Back Soon
    9.5 Reasons Why A Sharknado Movie Will Be Biting Back Soon   Everything does have an ending and supposedly The Last Sharknado 6: It’s About Time was, well, the last one.   But Flying Sharks! Chainsaw Shark kills! Circular Hand Saw Skark kills! Space Sharks! Get Eaten and Chainsaw Your... Read more »
  • Best of the Web: Hosted by Tim from Life for the Better
    Best of the Web: Hosted by Tim from Life for the Better   Hey Money Geeks!   I’m Tim from Life For The Better. I am an Air Force Officer who currently lives in a tiny house. I write about financial independence, tiny house living, relationships, minimalism and more! I’m really excited... Read more »
  • Z Nation’s Karl Schaefer Spills the Beans On What’s Coming Next
    I had the pleasure of interviewing Karl Schaefer, who is one of the creative geniuses behind some of the most innovative and rule breaking shows on TV.  Karl is the showrunner for Z Nation and was the creative force behind the ahead of its time, Eerie Indiana.  Z Nation’s Karl... Read more »
  • Dave Ramsey Thinks You are too Undisciplined for Good Financial Advice
    Follow my blog with Bloglovin Why you shouldn’t listen to the prevailing Dave Ramsey advice   One of the questions people ask the most is if they should pay down debt or save?   Everyone from financial gurus such as Dave Ramsey to big corporations preaches about the best advice when... Read more »