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    Mr. Money Mustache

  • Reader Case Study: Is it Okay to Subsidize my Spendypants Adult Children?
    It has been a good while since we’ve done a reader case study here on MMM, but that hasn’t stopped them from arriving in my inbox. And since 2022 is becoming a year of interesting financial changes, it’s time to spark things up again, go back to our roots, and... Read more »
  • Inflation – Should We Be Worried?
    I’ve been writing about money for almost eleven years now, and in that time the world has become an immensely richer place. Here in the US, our economy has grown by about 25% even after inflation, world economic output has grown even faster, and the number of people living in... Read more »
  • Our DIY Heat Pump Install – Free Heating and Cooling for Life?
    To most of the Internet, Mr. Money Mustache is known as the quirky early retirement financial guy, and this is a blog about Money. But really, I’m not a finance guy – someone who devotes most of his time to optimizing money. I’m more of a general Life Engineer –... Read more »
  • Three Months of Slacking
    “MMM, are you still alive?”– somebody on Twitter Holy Shit! I just realized that the last time I wrote a blog post for you was on April 18th, and now it’s late July. That’s an entire quarter of a year that I have let this wonderful, golden field of interesting... Read more »
  • VideoThe Self Educating Child
    So it looks like my 15-year-old is officially a high-school dropout. Halfway through ninth grade, emboldened perhaps by the taste of freedom that Covid-era remote learning had provided, he realized that the whole system was just too slow and inefficient for him, and was “Getting in the way of his... Read more »
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    Financial Independence / Retire Early

  • Did COVID ruin the FIRE lifestyle
    hey all, FIREr here. I retired in 2017. Since then, I've been (a) indulging, (b) researching my investments, (c) trying to exercise, (d) working on a hobby blog and (e) trying to do some complex intellectual challenges now and then for stimulation, like right now I'm learning about the various... Read more »
  • Daily FI discussion thread - Wednesday, May 18, 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 Self-Promotion Thread - May 18, 2022
    Self-promotion (ie posting about projects/businesses that you operate and can profit from) is typically a practice that is discouraged in /r/financialindependence, and these posts are removed through moderation. This is a thread where those rules do not apply. However, please do not post referral links in this thread. Use this... Read more »
  • Daily FI discussion thread - Tuesday, May 17, 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 »
  • Daily thread nuke itself?
    u/therapistfi submitted by /u/Midcityorbust [link] [comments]... Read more »
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    Early Retirement Extreme

  • 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 »
  • VideoFood, health, and (long and short-term) costs
    I’m 3738 now. This is the age where the cumulative effects of good and bad living are beginning to show. When I look at the people I went to school with, some of the “health nuts” still look like they’re in their twenties. Conversely, some in the “beer & steak”-crowd... Read more »
  • Think Big, Basically and Simply.
    I’m currently reading Thoughts of a Philosophical Fighter Pilot by Jim Stockdale (again). I’m not quite finished yet, but the book is chocked full of wisdom that is applicable to [my] life once the translation between military life and civilian life is made. In his essay on “climbing the pyramids... Read more »
  • Garbage and excessive spending
    The United States produces 265 million tons of garbage each year. Since there are 300+ million [United States of] Americans, this means that each person on average produces slightly less than a ton of garbage each year. Although it is conveniently moved out of sight and thus out of mind... Read more »
  • On Experts and Pseudo-Experts
    In every field, there are very few true experts, who understand the given subject and operates accordingly. There are, however, typically, very many pseudo-experts, who do not not understand the subject but yet are able to operate because they have compiled a large amount of tips and tricks on how... Read more »
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    Go Curry Cracker!

  • GCC Asset Allocation 2022
    We have been living off our portfolio since late 2012 (9+ years.) Our lifestyle (and budget) has undergone some pretty drastic changes in that time, but for the most part the portfolio resembles its younger (much smaller) self. Let’s explore what is different, and why. (Cuz there are some BIG... Read more »
  • Our Suite (sweet?) Hawaiian Spring Break
    Awhile back I read a pretty savvy blog post about how to travel to Hawaii for free or nearly free. I decided to give it a go myself, and what do you know… it worked! Thanks to some travel hacking, we paid next to nothing for our flights and hotel,... Read more »
  • Go Curry Cracker 2021 Taxes
    After a decade of zero and near zero tax bills, our 2021 tax return looks a bit different – We paid a LOT of tax. No surprises though – I sold a ton of stock to pay cash for a house. In the grande scheme of things it is no... Read more »
  • Paying Taxes with a Credit Card in 2022
    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,... Read more »
  • A Brief History of American Money
    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,... Read more »
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    1500 Days to Freedom

  • The Right Question To Ask About The Crazy Markets
    I fully admit that I did the wrong thing back in 2008 when the stock market got walloped. I had only been investing for about 10 years and I freaked out: I logged into my 401(k) account late one night and lowered my contributions so that I put in exactly... Read more »
  • Performance Update, April 2022: Zoom Out
    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 »
  • 5 Years Of FIRE Life
    I’m typing this early in the morning at the coworking space that I co-own. I like coming down here before anyone else has arrived. I begin my day by finding a quiet spot and meditating. Five years ago when I left work, I never would have anticipated what life would... Read more »
  • Tesla Cyber Rodeo (Extreme Nerd Debauchery!)
    Reader note: While this post is about my recent visit to Austin, it’s mostly about the Tesla Cyber Rodeo. This was the party Tesla hosted to celebrate the opening of the Austin factory. I even made a YouTube video that I embedded later in the post. I bought Tesla stock... Read more »
  • Performance Update, February 2022: Time To Pivot
    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 »
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    Mad Fientist

  • 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 »
  • How to Stack Tax Benefits for Even More Savings
    A Mad Fientist reader shares how he utilizes tax-advantaged accounts to unlock even more cost-saving benefits! Read more → The post How to Stack Tax Benefits for Even More Savings appeared first on Mad Fientist.... Read more »
  • mp3Fifth (and Final) Annual Update
    It's been five years since I left my full-time job so here's my fifth (and final) annual update on post-FI life! Read more → The post Fifth (and Final) Annual Update appeared first on Mad Fientist.... Read more »
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    Millennial Revolution

  • Will There Be a Recession in 2022?
    These past few weeks have been an excellent time to get out, enjoy the nice weather, and ignore the financial markets because YIKES, have they been volatile! The Dow Jones Industrial Average lost 1,063 points, or 3.12%, to close at 32,997.97. The tech-heavy Nasdaq Composite fell 4.99% to finish at... Read more »
  • How To Avoid Investment Scams
    Back in 2015, while travelling, we went to the Canadian Consulate in Chiang Mai, Thailand to request some tax documents for our first book. There, we met another Canadian, who was trying to convince the Canadian consulate to fly him home for free because he’d run out of money. Let’s... Read more »
  • Reader Case: Lean FIRE or buy a ski studio?
    Today’s reader case jumped out at me from the subject line, mainly because it might be the most Canadian reader case I’ve ever heard. Don’t believe me? Check it: Hello Firecracker! As a fellow Canadian, I really love your book and blog where I can find not only US centric... Read more »
  • Let’s Go Exploring! Please Don’t Go to the Azores Part 2
    Continuing where we left off last time, here are the other things about the Azores I desperately don’t want to tell you about but my stupid conscience forces me to. Hikes Miradouro in Portuguese means “view point” and boy are there a ton of picturesque Miradouros in Sao Miguel. Miradouro... Read more »
  • The Return of Underwater Mortgages
    In a previous life, my mom used to be a real estate agent, and she often shakes her head at the crazy behaviour of “kids these days” buying houses over Zoom, getting into massive bidding wars, and the signing condition free offers. Back in HER day, people would make their... Read more »
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    Can I Retire Yet?

  • Getting Wild In Retirement
    Cheryl Strayed was recently featured on the Outside podcast. Strayed authored the best selling book, later adapted to a feature film, Wild. The interview celebrated the 10 year anniversary of publishing her book, which was about backpacking the Pacific Crest Trail (PCT). I read the book last year and loved... Read more »
  • How Low Can Your Bond Values Go?
    Bonds serve as a ballast to offset the volatility of stocks, particularly when stock values are falling. Since the start of the year, that’s exactly what stocks have done. So how are bonds holding up? Vanguard’s Total Bond Market Index Fund (VBTLX) is a popular core bond holding for many, including... Read more »
  • Challenges and Rewards of Traveling in 2022
    Spring will soon be turning to summer. Travel is on our minds. Our family recently completed an awesome adventure. We backpacked in the Grand Canyon over my daughter’s spring break. We are also knee deep in planning our travel for the remainder of the year. These experiences have been eye... Read more »
  • April 2022 Best of the Web
    This month’s selections start with a few perspectives on a topic front and center for many in this audience. How will we spend money and time in retirement? We discuss the eye popping inflation numbers released this month and a few suggestions to help you maintain your lifestyle without depleting... Read more »
  • Understanding the Time Value of Money
    In January, Darrow wrote a post sharing his portfolio moves and performance in 2021. A reader left this comment in response: “I read (in another recent post) that your rough “best case” for a 50/50 portfolio moving forward was about 3.8% real rate of return. Yet, this recent post calls... Read more »
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    Root of Good

  • April 2022 Early Retirement Update
    Another busy month comes to a close! We spent Spring Break on a cruise. Upon returning to Raleigh, the older kids prepared to take their Advanced Placement exams. And now, we are getting ready to go on another cruise!  After we get back from our next cruise, we'll have about... Read more »
  • Yellowstone National Park – Cross Country USA Road Trip (Part 12)
    We spent three days exploring the vast wilderness area known as Yellowstone National Park in northwestern Wyoming.  The first day, we visited Grand Prismatic Spring, Old Faithful geyser, and the Fountain Paint Pot area. We saw dozens of geysers, hot springs, and mud pots throughout the day. On the second... Read more »
  • Salt Lake City, Utah and Idaho Falls, Idaho – Cross Country USA Road Trip (Part 11)
    During "Part 11" of our six week road trip across the USA, we visited downtown Salt Lake City where we toured around the public area near the Mormon Temple, the State Capitol, and other parts of downtown.  Once we left Salt Lake City, we headed north toward Idaho Falls, Idaho.... Read more »
  • March 2022 Early Retirement Update
    The first quarter of 2022 is in the history books, and spring is here! We've had a busy spring so far. We're cranking up our summer travel planning. And we booked not one, not two, but three new cruises during March! It's starting to feel a lot more normal-ish these... Read more »
  • February 2022 Early Retirement Update – Early Spring Edition
    Another month flew by! Here we are in March and spring is slowly making an appearance. I definitely like the warmer days but it's almost too hot right now!  The nicer weather means spending more time outdoors. We got out the hammock on one particularly nice day. And we enjoyed... Read more »
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    Frugalwoods

  • Reader Case Study: Renovate or Resell? Stay Together or Break Up? Life Changes Ahead!
    Vanessa lives in Eugene, Oregon with her boyfriend and three cats, Freya, Orpheus and Gandalf. Vanessa works as the Licensing & Contracts Officer for the University of Oregon and is an attorney by training. In 2018, she bought her first home and is now facing the prospect of some pricey... Read more »
  • Home Improvement Supplies And Other April 2022 Expenses
    Home Improvement This month marks our sixth anniversary of moving to our homestead in Vermont and, coincidentally, the month we start renovation projects! When we first saw this house seven years ago, we knew there were a number of things we’d like to eventually change. But, we waited. First we... Read more »
  • How to Survive Inflation and Make it Work for You
    Inflation is here: it’s large, it’s in charge, it’s up 8.5% as of March 2022, which is the biggest 12-month increase since 1981. Woohoo! Aren’t we lucky! But all is not (totally) lost because inflation doesn’t impact all prices equally. As we’ll explore together today, this is an uneven inflationary... Read more »
  • Reader Case Study: MD and SMC Living in the PNW
    Sara is a doctor and mother living with her best friend, Jodie, in the Pacific Northwest. Sara is a single mother by choice and her son Sam is now seven months old. She loves her work as a doctor and her new role as a mom, but wants to make... Read more »
  • Chainsaw Safety Class And Other March 2022 Expenses
    After my enthusiastic foray into beginner ski lessons earlier this year, I’ve now signed up for SOMETHING EVEN MORE DANGEROUS: a beginner chainsaw safety class. I can’t say I’m excited about it, but I am looking forward to developing this skill. We live in a place where a chainsaw is... Read more »
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    JLCollinsnh

  • The Dinky Diner
    It is 2008. Imagine you are a woman alone on a road trip. Passing through the center of Nevada, a fairly desolate place,  your car breaks down just outside of this town… You have no way of knowing it just yet, but this was once the largest city in Nevada.... Read more »
  • Chautauqua: A terrible business model
      To be clear right from the start here, Chautauqua is an awesome event. Indeed, and in many ways, precisely because it is a terrible business model. But it is a terrible business model. Why? It is not scalable. Precisely because it is such an awesome event, the demand for... Read more »
  • Chautauqua is back for 2022!
    After two long years of being sidelined with covid issues, like the rest of the world, Chautauqua is finally back. And we are returning to South America — this time: Colombia! We sent Alan and Katie there on a scouting mission for several months last year – tough job I know,... Read more »
  • JLCollinsnh.com Enters New Era
        In the beginning… Forgive me if you have heard this tale before. I’ve told it several times now on various podcasts. It is the origin story of this blog. Back in 2011 I began writing a series of letters to my then college age daughter about things financial.... Read more »
  • Season’s Greetings!!
    Before the day slips away I just wanted to take a moment to wish you and yours….   A very  Merry Christmas  and a  Wonderful Holiday Season   Here’s to a  Happy, Healthy(!) and Prosperous New Year! *****************************************************     The post Season’s Greetings!! appeared first on JLCollinsnh.... Read more »
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    Mr. Free At 33

  • How I Retired Earning Only $10,000 Per Year In Dividends
    Want to achieve FIRE ASAP? Looking for the absolute minimum number to cross the finish line? Would you like to know how it’s possible to FIRE on only $10,000/year in dividend income? Then you have to check out today’s video. For more on how to achieve FIRE with only $10,000... Read more »
  • This Dirt-Cheap Stock Looks Attractive And Pays A Market-Smashing Yield
    Want to buy a stock that’s priced the same as it was in 2013, despite huge growth since then? Looking for a safe, growing dividend and a near-5% yield? Like the idea of getting your shares at a discount? Then you have to check out today’s video. For more on... 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 I’m Loading Up On This High-Yield Stock
    Looking for some serious yield in this low-rate environment? Want a safe dividend that’s paid monthly? Would you like to know about a dividend growth stock that I’m buying? Then you have to check out today’s video. For more on a high-yield dividend growth stock that I’ve recently been buying,... Read more »
  • The 5 BEST Stocks To Buy In May 2022!
    Looking for some good deals on some great stocks? Would you like to collect safe, growing dividend income while you also set your wealth up to compound exponentially? Want to know my top five stocks for May 2022? Then you have to check out today’s video. For more on my... Read more »



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    Fiery Millennials

  • 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 »
  • Sometimes More is Less
    Or, why I chose to blow up my housing budget and go with a fancy condo as my new residence.  Looking for housing is tough in the best of times and we are far from the best of times right now. Housing prices are at an all-time high and inventory... Read more »
  • Time Well Wasted: 2021 Recap
    Well, folks. 2021 is coming to an end and 2022 is fast upon us. Which means it’s time for a recap post!  I wish I could say I did a lot of interesting and fun things this year. With the Covid-19 pandemic among us, fun and interesting things were few... Read more »
  • Let’s Meetup!
    I grew up staying fairly close to home. We took a few trips to neighboring states to visit a theme park or to see relatives for a week in the summer. I did get to visit my Grandma in Florida twice, once around age 8 and once around age 13,... Read more »
  • FIRE and Career Progression
    As my 31st birthday rapidly approaches, it routinely surprises me that I have been a working adult for a decade. As I reflect over my career, I wonder what the impact of my pursuit of FIRE has had on my career.  I started my career in the military as a... Read more »
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    Jillian Johnsrud

  • 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 »
  • Planning a mini-retirement with kids
    My family of 7 just returned from a 12-week road trip in our 26-foot camper. Planning this kind of trip can be overwhelming. There are so many unknowns and complications to work through. Large adventures with kids in tow (ages 14, 13, 9, 8, and 6), seem wonderful in theory,... Read more »
  • How the Greatest Entrepreneurs Deal with Imposter Syndrome
    Entrepreneur Magazine’s editor-in-chief, Jason Feifer, joins Jillian to give practical advice on how the greatest entrepreneurs deal with imposter syndrome.  Listen here at Libsyn, Apple, Castbox, Spotify, or your favorite player. There is no one correct answer when it comes to creating boundaries between your identity and your work. Some need significant separation, while... Read more »
  • Growing an Audience with Bold Authenticity with Tori Dunlap
    When your audience grows, so will your critics. Tori Dunlap shares how she stays bold and vulnerable for her community, even when the haters come with the territory.  Listen here at Libsyn, Apple, Castbox, Spotify, or your favorite player. Tori Dunlap’s socials exploded from 30,000 followers to over a million last year. So it’s... Read more »
  • Fire the Haters: Part 3
    Concluding their series on Jillian’s book, Fire the Haters, August and Jillian talk about overcoming struggles, trusting the process, and finding your identity in actions rather than outcomes.  Listen here at Libsyn, Apple, Castbox, Spotify, or your favorite player. With her book out in the world, Jillian moved from creating to managing her expectations... Read more »
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    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 »
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    The Golden Albatross

  • 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 »
  • The Pension Series (Part 29): The Golden Albatross vs. Women’s Pensions
    I realize that the Golden Albatross situation for pensionable women calls for more nuance. I say that because many of the additional factors women need to consider work against each other. The post The Pension Series (Part 29): The Golden Albatross vs. Women’s Pensions appeared first on The Golden Albatross.... Read more »
  • Death Binder 2.0: The Pensioner’s Edition
    As far as a topic goes, the death binder is a bit grim and tedious but also necessary. The post Death Binder 2.0: The Pensioner’s Edition appeared first on The Golden Albatross.... Read more »
  • The Pension Couch: A Lump-Sum Offer Mystery
    The wild card that makes this article different from my other lump-sum articles is that her lump-sum offer was from what's known as a church pension plan (aka church plan). The post The Pension Couch: A Lump-Sum Offer Mystery appeared first on The Golden Albatross.... Read more »
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    Budgets Are Sexy

  • 13 “Buy It for Life” Items That Save Money and Bring Happiness
    The post 13 “Buy It for Life” Items That Save Money and Bring Happiness appeared first on Budgets Are Sexy. [Mornin’ y’all! Got an awesome (and funny!) guest post today from personal finance legend Pete over at Do You Even Blog. Pete talks about the “Buy It for Life” Movement... Read more »
  • MASSIVE NEWS —> Goodbye, and Thank You.
    The post MASSIVE NEWS —> Goodbye, and Thank You. appeared first on Budgets Are Sexy. Good morning everyone!!! Got some big news to share… I’m Taking a Sabbatical… I’ve written 172 articles for this blog in the past couple years, and there’s 1 overarching theme I hope has shined through…... Read more »
  • 2021 Annual Review and ROI of My Rental Property
    The post 2021 Annual Review and ROI of My Rental Property appeared first on Budgets Are Sexy. Yo, yo! Good morning, peeps! I just got my annual profit and loss statement for our rental duplex, and thought I’d share last year‘s results with you. **Spoiler alert**… After all calculations, we... Read more »
  • 10 Millionaire Spending Habits — How Do You Compare?
    The post 10 Millionaire Spending Habits — How Do You Compare? appeared first on Budgets Are Sexy. Comparing yourself to others is harmful and self-destructive.  But LET’S DO IT ANYWAY haha!! 🤣 Because it can also be very fun and interesting. Though seriously, when we look at others, we usually... Read more »
  • Let Your Frugal Flag Fly! 6 Reasons Being Frugal Is Cool 😎
    The post Let Your Frugal Flag Fly! 6 Reasons Being Frugal Is Cool 😎 appeared first on Budgets Are Sexy. I spotted a killer deal at the grocery store the other day… These Bitchin’ Chipotle Sauce things are usually $7-8 each at Costco… but I found them for only $1... Read more »
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    ChooseFI

  • mp3377 | Glide Path to Retirement During Financial Uncertainty
    In this week's episode, Brad and Jonathan discuss different ways to retain a sense of control along the path to retirement during times of uncertainty. While low points in the economy tend to cause worry, focusing on steps that can be taken to continue forward progress is what helps set... Read more »
  • mp3376 | The Four Backstops to the Four Percent Rule | Sean Mullaney
    In this week's episode, Brad and Jonathan welcome Sean Mullaney back onto the podcast to discuss the four backstops of the Four Percent Rule! While many in the FI community consider the Four Percent Rule to be a pillar for retirement planning, these relatively unknown backstops could save or enhance... Read more »
  • mp3375 | What is Savings Rate and How to Calculate It?
    In this week's episode, Brad and Jonathan continue along their, "Financial Independence A to Z," journey by examining savings rate and the many different ways it can be calculated! One of the pillars that sets the FI community apart is the emphasis on saving money in order to unlock more... Read more »
  • mp3374 | Tools to Simplify Budgeting and Tracking Finances
    In this week's episode, Brad and Jonathan discuss a variety of tools that can help you stay on-top of your budget. Whether you create your own tracking systems or don't have any expense tracking systems in place yet, there likely is a tool mentioned in this episode that can help... Read more »
  • mp3373 | Natural Remedies, Startup Economics & Financial Literacy A to Z
    In this weeks episode, Brad and Jonathan discuss some natural remedies your may find useful in your life, the economics behind the modern startup scene, and most importantly the basics pillars of financial literacy! Join the guys as they share their philosophy towards tackling financial literacy and why it is... Read more »



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    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 »
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    Financial Samurai

  • Rent Out Or Sell An Investment Property When Inflation Is High?
    As a landlord since 2005, I’m constantly faced with the dilemma of selling a rental property or renting it out whenever my tenants move out. The older and wealthier I’ve gotten, the more I prefer to sell rather than rent out. Being a landlord can sometimes create some very unpleasant... Read more »
  • Why I Wrote A New Personal Finance Book: Buy This, Not That
    After two years of writing and editing during the pandemic, my book, Buy This, Not That: How To Spend Your Way To Wealth And Freedom is done! It comes out on July 19, 2022, in stores everywhere. After spending a combined 30+ years working in finance, studying finance, and writing... Read more »
  • Profiles Of People Who Spend Six Figures A Year On Rent
    Some say renting is like throwing your money away. If that’s the case, what about the people who spend six figures a year on rent? Is that like setting your net worth on fire? I don’t think renting is throwing money away at all. You get shelter for the rent... Read more »
  • A Bear Market Checklist To Thriving In A Downturn
    A bear market is a part of investing. The last bear market happened in March 2020, when the S&P 500 tanked by 32% in just a month. Thankfully, the bear market recovered and a bull market ensued until the end of 2021. In 2022, another bear market has taken hold.... Read more »
  • Accidental Death Insurance On Top Of Life Insurance: Coverage Differences
    Recently, I got an upsell from my life insurance carrier offering $500,000 in accidental death insurance for $33 a month. This is on top of my existing 20-year term life insurance policy coverage of $750,000. It sounded like repetitive coverage. But I was interested in learning more since I actually... Read more »
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    Accidental Fire

  • Macroeconomics Is A Failed Discipline
    Back in mid-April Vanguard published a piece called The Big Quit isn’t quitting quite yet that I found intriguing.  The piece discusses an interesting relationship between wages and inflation. What caught my eye was right up front in the second... The post Macroeconomics Is A Failed Discipline appeared first on... Read more »
  • Financial Independence Is The Summit, But The Climb Is More Important
    A while back I was perusing a popular mountaineering forum website and read a post that piqued my interest.  The author of the post had recently started on a quest to climb the 58 mountains in Colorado called the 14ers... The post Financial Independence Is The Summit, But The Climb... Read more »
  • T.G.I.F. Friday: Volume 68
    Welcome to “Thank God I’m FI” Friday, Volume #68! Here are some things I really like and that you might too.   Financial Independence/Retirement Articles Financial Independence in a HCOL Area (The Fioneers) – “Living in a high cost of... The post T.G.I.F. Friday: Volume 68 appeared first on Accidental... Read more »
  • I Got A Tax Refund And I’m Not Happy About It
    I’ve written about the often contentious topic of getting a tax refund before.  It was one of the first posts I did on my blog.  I wrote about it a second time detailing how much money you actually lose when... The post I Got A Tax Refund And I’m Not... Read more »
  • FIRE Like A Boss On A 1% Withdrawal Rate
    If you’re familiar with the FIRE movement then you’re probably familiar with the 4% rule.  In a nutshell the 4% rule claims that you can safely withdrawal 4% of your total investments (or net worth) every year, including annual adjustments... The post FIRE Like A Boss On A 1% Withdrawal... Read more »
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    Independently Financed

  • 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 »
  • If supply and the rate of profit were fixed, then all wage increases would be inflationary (they’re not)
    Become a Patron!The other day I listened to a podcast with Larry Summers, former Treasury Secretary and “Just Asking Questions About The Biological Basis Of Female Intelligence” President of Harvard discussing his pessimistic view of the inflationary landscape. Since I’m an inflation skeptic I went into the episode expecting to... Read more »
  • My successful Economic Injury Disaster Loan modification
    Become a Patron!Economic Injury Disaster Loans, first introduced by the 2020 CARES Act, are a special program of the Small Business Administration designed to reach the smallest business, including sole proprietors and platform workers, who may not have been able to fulfill the initial requirements of the larger Paycheck Protection... Read more »
  • Inflation-proofing your life
    Become a Patron! Life is lived in nominal dollarsI wrote last year about the fuzzy thinking I saw surrounding the topic of inflation. Inflation, properly understood, is an economy-wide increase in prices driven by too much money chasing too few goods, not when an early freeze destroys the Florida orange... Read more »
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    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 »
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    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 »





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    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 »
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    zen habits

  • Become Your New Habit
    By Leo Babauta Quitting an old habit or forming a new habit is fairly simple when it comes to the steps to doing it: find your trigger and do a new habit at that trigger over and over. Remind yourself to do it. Make it rewarding. The simplicity is deceptive,... Read more »
  • How to Put Life on Easy Mode
    By Leo Babauta The other day I was having such a chill, easy day despite doing all of my usual work and chores and workout activities — the phrase, “Life on Easy Mode” came to me. The rest of the week, I kept the question in my mind, “What would... Read more »
  • Effortless Effort: Relaxing While Trying Hard
    By Leo Babauta I’ve noticed that a lot of us will be pretty wiped out at the end of a long day of work or social activity, to the point where we need time to recuperate from exhaustion. There’s nothing wrong with that, but let’s talk about the possibility of... Read more »
  • Reset Ritual to Come Back to Focus
    By Leo Babauta One of the most common problems when people are working is that they get caught up in busywork or distractions, and it can take hours before they find their way back to their meaningful work. Part of that is procrastination, of course, but a lot of times... Read more »
  • 2 Questions to Deepen Learning from Life
    By Leo Babauta We usually dislike challenging situations, conflict with others, struggle with our work or habits. Struggle sucks! But what if it were a part of the training of life? What if every conflict, failure, difficulty, hard emotion … were exactly the lesson we needed to learn? What if... Read more »
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    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 »
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    DiverseFI

  • 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 »
  • 125: Is Saving For Retirement Money Jail?
    Earn & Invest I am proud to release episode 125 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 125: Is Saving For Retirement Money Jail? appeared first on DiverseFI.... Read more »
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    Vital Dollar

  • Webull vs. Ally Invest: Comparison of Self-Directed Trading Platforms
    Read this Webull vs. Ally Invest comparison to see the key details that determine which of these brokerage platforms is the right choice for you. The post Webull vs. Ally Invest: Comparison of Self-Directed Trading Platforms appeared first on Vital Dollar.... Read more »
  • How to Make Money with a Small Blog
    Wondering how to make money with a small blog? Here you'll find practical tips that help you to monetize without needs floods of traffic coming to your blog. The post How to Make Money with a Small Blog appeared first on Vital Dollar.... Read more »
  • Fundrise vs. RealtyMogul: Passive Real Estate Investing
    This Fundrise vs. RealtyMogul comparison will help you to determine which platform is the right choice for you if you're looking to get started with real estate investing. The post Fundrise vs. RealtyMogul: Passive Real Estate Investing appeared first on Vital Dollar.... Read more »
  • How to Start a Business with No Money (2022)
    Have a great business idea but no money? Learn how to start a business with no money, tips, for making it work, and some business ideas that require no investment. The post How to Start a Business with No Money (2022) appeared first on Vital Dollar.... Read more »
  • How to Make Money With a Truck: 15 Practical Ideas
    If you have a pickup, you may be wondering how to make money with a truck. Here are some excellent side hustles and small business ideas for truck owners. The post How to Make Money With a Truck: 15 Practical Ideas appeared first on Vital Dollar.... Read more »