+

    Mr. Money Mustache

  • Why You’ll Probably Never Run Out Of Money
    As strange as it may sound, earning financial freedom is a lot easier for certain people than claiming that freedom once they have earned it. And if the following statement rings true to you, you may be suffering from this same hardship: “I think I’m close to having enough money... Read more »
  • VideoWhich is Safer: Rental Houses or Stock Investments? (a Case Study)
    During our recent discussion on Inflation, a Badass reader stopped by and caught my attention by dropping the following block of wisdom into the comments section:  “A final note if you are worried about inflation: sledgehammer the TV and go for a walk in the woods. Trees get bigger every... Read more »
  • Finally, a Stock Market Crash!
    Well, that was kinda sudden! In the three months or so since we last spoke, the world has become an entirely different place – at least for those of us who keep up with any sort of international, financial or stock market news.  The headlines are new, and the problems... Read more »
  • 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 »
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    Financial Independence / Retire Early

  • Paying off debt prior to FIRE?
    Wanted to get peoples thoughts on how important paying off all debt (house included) is prior to taking the FIRE plunge. Background, I'm hoping to have all debt paid off in a few years. I feel like my risk averse nature would have a hard time 'retiring' from my everyday... Read more »
  • Daily FI discussion thread - Sunday, August 07, 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 »
  • My 1.5 year journey to FIRE as a full time Bartender.
    So I just had a meeting with a realtor this last week and it got me FIREd (lol) up about the progress, and delays (thus lessons) I have made since I started this journey in early 2021. In 2019 I was making close to $800-900/week working only 30 hours a... Read more »
  • Does Anyone Have Coworkers Living Paycheck to Paycheck?
    Earlier in the week my assistant noticed a slight jump in their tax withholdings, and mentioned they were having problems buying food / had a maxed out cc. I offered to sit down with them and explore ways to do more with less but they havent taken me up on... Read more »
  • Daily FI discussion thread - Saturday, August 06, 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 »
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    Early Retirement Extreme

  • Precision, accuracy and the importance of using the right model
    One of the things I think about a lot is the difference between precision and accuracy or from a modeling perspective the difference between verification and validation. The difference between precision and accuracy can be understood in terms of measuring tools such as a clock. A precise clock measures time... Read more »
  • Why Black Swans are on the increase
    It is really quite simple. Entropy increases (the only way to decrease entropy is to expand the borders to include other systems with less entropy, got that?). To keep profiting in an entropic environment, complexity must increase. The current solution for increasing complexity is connectivity. (Another solution is becoming more... Read more »
  • Extroverts and introverts, the great dichotomy
    This will be my last post on this problem for a while. I promise. I just wanted to explain the reason for being all butthurt in the previous couple of posts and flying the introvert pride banner for a while. Maybe an example would help. Consider this article titled “The... Read more »
  • Guestpost Extreme Early Retirement in Germany
    This is a guest post from Hein Viermann. A freegan in his early 30s, who lives in Germany and wants to get out of the corporate career system. He invests mainly in real estate/rentals. I was born in 1978 and I’m on the brink of retiring (extremely) early. As I... Read more »
  • Graphing the meaning of retirement
    Any questions? Copyright © 2007-2021 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. Some sites... Read more »
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    Go Curry Cracker!

  • A Coastal Road Trip
    Road trips are fun. We recently returned from a 500-mile route in the EV and a great time was had by all. We spent 5-days / 4-nights on the road, visited an aquarium, an amusement park, and a few beaches, and had some delicious sushi and greek cuisine. Travel hacking... Read more »
  • How I Borrowed Over $250,000 at 0% Interest
    Advertiser Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Opinions, reviews, analyses &... Read more »
  • Accessing Airport Lounges and Restaurants for Free with Priority Pass
    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 »
  • Legal Money Laundering
    Cash flow is kind of important, in (early) retirement as in life. No cash flow, no nuthin’ – can’t pay the bills, can’t buy the things, can’t do the stuff. A couple common cash flow challenges in early retirement involve: wanting to spend retirement account income before age 59.5 (you... Read more »
  • Our California Dreamin’ Budget
    We are coming up on a year of living in California and are now largely accustomed to this new lifestyle. We have our routines and most things are on autopilot, including our spending. With our big move I had framed out a rough budget and recently reviewed our expenses to... Read more »
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    1500 Days to Freedom

  • Performance Update, June 2022: COVID Blows Up Life (Again)
    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 »
  • Road Trip: Update 2! (Boise And Sunriver)
    And we made it to Sunriver! But not without a little drama. The Check Engine light came on somewhere in Idaho. We took the car to an auto parts store for diagnosis and fortunately the problem wasn’t a serious one (bad gas?). One of the best parts of road trips... Read more »
  • Inspiration Stagnation/ Road Trip!
    I’ve been writing here for almost 10 years now. For most of that time, I’m never at a loss for inspiration. My crazy brain is always throwing ideas at me. But lately, I haven’t been feeling it. I ask my brain for ideas and it’s like: Perhaps it’s the feeling... Read more »
  • Performance Update, May 2022: Maximum OOF!
    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 »
  • Random Adventures In Germany!
    I don’t appreciate travel as much as others in the FIRE community. Seeing other parts of the world is fun, but there is a lot of value to being in the same place with the same friends and same routine. But, that doesn’t mean I like to sit around all... Read more »
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    Mad Fientist

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

  • How to Beat Inflation
    (Note: Stay tuned for the giveaway winners announcement at the end of the article) Ahh inflation, the most terrifying arch-nemesis of early retirees.  You’re no longer working, relying on your portfolio (which is dropping during a bear market), and then you get hit with a whopping 9% increase in spending?... Read more »
  • Is Inflation Starting to Peak?
    (Note: Stay tuned until the end of this post for a fun give away!) Inflation. It’s everywhere, affecting everything from gas to groceries to rent, and it doesn’t seem to be disappearing anytime soon. Just last week, the US Bureau of Labor Statistics released their inflation report for June 2022,... Read more »
  • Reader Case: Can This Family Survive Higher Mortgage Rates?
    The times sure are a-changing. As mortgage rates around the world climb inexorably higher on the back of central bank interest rate hikes, everything in the housing market seems to be changing, in ways that continue to surprise us. Today’s reader case is a great example of this. What should... Read more »
  • Is It Time To Buy Bonds Again?
    Bonds have been having a rough 2022. Though to be fair, pretty much every asset class has too. The S&P 500 officially hit bear market territory in June 2022, Europe and the international markets are also down about 20%. Canada has been the over-performer this year, losing “only” 10% YTD,... Read more »
  • Let’s Go Exploring! Zadar, Croatia: The Best Sunset in the World
    Croatians hate it when tourists come to Croatia, ignore its history, food, and culture, only to ask “So, uh, where’s all the Game of Thrones stuff?” So, of course the first question I asked when I got to Zadar was “Where’s all the Game of Thrones stuff?” My tour guide’s... Read more »
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    Can I Retire Yet?

  • Taking Stock of Your Life and Finances
    Jordan Grumet is a hospice doctor. Readers of this blog more likely know him as Doc G, host and writer of the Earn & Invest podcast and blog. In his new book, Taking Stock, Grumet tackles the topics of death and money, both of which are often taboo in our... Read more »
  • Best of the Web 7/25/2022
    Financial markets have been getting battered this year. This makes the common challenge of shifting from saving for retirement to spending from assets in retirement even harder. We’ll start with resources that may help ease your mind. We’ll also explore the topic of burning out on stressful careers and alternative... Read more »
  • When Are Roth Accounts Better then Tax-Deferred?
    I recently spoke at a Camp FI event. In one breakout session, participants debated the benefits of traditional tax-deferred accounts vs. Roth accounts. I listened to strong opinions favoring one type of account over another. Unfortunately, these opinions often lack nuance and miss key details. In reality, there is no... Read more »
  • Best of the Web 7/11/22
    A combination of summer travels and meeting demands of my CFP coursework have forced me to make changes to my routine. I’m finding it challenging to stay on a regular writing schedule. Simultaneously, I’m taking in more information than ever. So I’m going to shift gears. Rather than publishing three... Read more »
  • How Strong Is Your Insurance Company?
    Two types of insurance deserve serious consideration as part of a retirement plan. Should you purchase: An annuity to provide longevity insurance? Long-term care (LTC) insurance to protect you from large expenses if you can no longer care for yourself as you grow older? Either requires giving up a sum... Read more »
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    Root of Good

  • June 2022 Early Retirement Update – Cheers from Europe Edition
    After a busy month of traveling in Europe, I finally have a pause in the schedule to pull together another monthly update. We spent the first three weeks of our vacation in Croatia. Then we traveled a couple of hours north where we stayed in the middle of the Julian... Read more »
  • May 2022 Early Retirement Update – See Ya Later, America! Edition
    Ok folks, it's June and the year is almost half over. Where does all the time go?  May was another busy but fun month for us. We celebrated some birthdays with family. We went on a cruise. Our kids have finished another successful year of school. And next week we... Read more »
  • Mount Rushmore, Badlands , and Air Force Museum – Cross Country USA Road Trip (Part 13)
    On the final leg of our six week summer road trip, we spent six days driving the 2,200 miles east from Gardiner, Montana back home to Raleigh, North Carolina. Along the way, we visited Mount Rushmore, Badlands National Park, Sioux Falls, South Dakota, and the National Museum of the US... Read more »
  • 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 »
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    Frugalwoods

  • Family Day Trips And Other July 2022 Expenses
    After nine years of pandemic isolation, we decided this would be the summer of family day trips! Our kids hadn’t been to any of the area museums or towns or restaurants or libraries due to: a) pandemic; b) being babies before the pandemic. We’ve made up for that dearth of... Read more »
  • Reader Case Study: Can I Retire at 60 and Pay for My Kids’ College?
    Jenny and her husband Will live in the Upper Midwest along the shores of Lake Michigan with their two children, Sam (age 16) and Alex (age 10), and their one old cat. Will is 56 and the couple always planned for him to retire at 60 and to pay for... Read more »
  • The Folding Wagon of my Dreams And Other June 2022 Expenses
    June was a month of celebrations! My husband and I marked FOURTEEN years of marriage, Kidwoods “graduated” from Kindergarten, Littlewoods finished her first year of preschool, we went to a town-wide end-of-school party with a food truck and BOUNCE HOUSE. And, we bought the folding wagon of my dreams. The... Read more »
  • Reader Case Study: A Doula, A Scientist & Three Kids in Alaska
    Kait and her husband Dave live in Alaska with their three young children. Kait works as a Postpartum Doula and Dave as a scientist for the state. They love their outdoorsy lifestyle and have created an incredibly close-knit community with their neighbors and friends. However, their beloved home has some... Read more »
  • The Uber Frugal Month Starts Today! And There’s Still Time to Join Us!
    The heralded day is here. It’s Day One of the July Uber Frugal Month Group Challenge and there’s still time to join me–and thousands of other frugal devotees–for our month-long journey to financial wellness. Sign-up in the box below by 11:59pm EST today, July 1, 2022! And again, this is... Read more »
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    JLCollinsnh

  • The Price of Security
    Photo courtesy of Billy Kaderli “Funny, no one has a crystal ball, no one knows the future but all say the stock market WILL go up in the future. Maybe we’re the generation that our kids will also look and say: ‘They gambled everything in the stock market thinking it... Read more »
  • Case Study #17: Buying into the market right before a Bear
    Photo by anvesh baru If you are surprised to see two “case study” posts from me in a row, your reaction is no more than my own. For the last one it could be charged that I succumbed to flattery and bribery in taking it on. No case to be... Read more »
  • Case Study #16: Helping dad with an inheritance
    Photo courtesy of Van Trapp Farmstead It has been a long time since we’ve done a Case Study around here, but recently I responded to an email that feels like a good one to share with you. It reflects an interesting dilemma and it allows me to, mildly at least,... Read more »
  • Just inked a contract for my next book, and I want you to be a part of it!
      I’ve some very exciting news to share with you today. I just inked a deal with Harriman House to publish my third book. Its working title is: PATHFINDERS: Travelers’s Tale on the Simple Path to Wealth and… I’d like you to be a part of it! If that’s all... Read more »
  • 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 »
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    Mr. Free At 33

  • 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 »
  • Even Though The Stock Has Fallen 40%, This World-Class Company Is Better Than Ever
    Want to own a piece of one of the world’s most successful and best-known businesses? Like the idea of beating the market on yield and beating inflation on growth? Does getting a great deal on a great stock after it’s fallen by nearly 40% sound good to you? Then you... Read more »
  • Undervalued Dividend Growth Stock Of The Week
    Every Sunday, I uncover a high-quality dividend growth stock that appears to be undervalued. These pieces are published at Daily Trade Alert, which is a site that focuses on dividend growth investing, stocks, and unique investment opportunities. I’ve been writing for them for years now, and they’re just great over... Read more »
  • Top 5 High-Quality Dividend Growth “Forever Stocks” To Buy
    Want to see your wealth and passive dividend income compound like crazy for the rest of your life? Like the idea of sleeping well at night while some of the best businesses in the world work for you? Would you like to know about reliable and high-quality dividend growth stocks... Read more »
  • Double Bonus! This Stock Is Actually Up On The Year And Is Handing Out More Dividends!
    Are you interested in living off of totally passive dividend income? Want to protect yourself against inflation and make sure your passive income relentlessly increases year after year? Would you like to know about companies that just increased their dividends yet again? Then you have to check out today’s video.... Read more »



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    Fiery Millennials

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

  • Re: Favorite Events
    I live for large group bike rides and ski outings, but my favorite has to be our local cyclocross series.   The events are small enough that many of them are hosted at people's homes. The courses range from fast roadie to technical mountain biker. Ther...... Read more »
  • Re: Comments on a finance article detailing the habits of millionaires
    Quote from: eyesonthehorizon on August 06, 2022, 11:06:17 PMThank you for the compassion in this. You're very right. I have been trying to come up with ways to assuage these concerns preemptively, help people focus on what t...... Read more »
  • Re: Wanted to share my joy!
    Always great to hear. Congratulations - a lot of hard hard work has paid off.... Read more »
  • Re: Favorite Events
    Quote from: Dollar Slice on August 06, 2022, 11:10:15 PMQuote from: E.T. on August 06, 2022, 03:11:27 PMBehold the majesty that is Fifi.Your signature line worked really well with this dr...... Read more »
  • Square Peg, Round Hole: Adventures In Bathroom Remodeling
    Not really any direct questions, but maybe something for the more experienced to have a good laugh about. Feel free to offer advice.   Backstory: The weird house (it's round!) we bought had a pretty small main bathroom that housed a toilet that had be...... Read more »
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    Jillian Johnsrud

  • The Roads Not Taken
    “What’s an opportunity or pursuit that you passed on earlier in life, but if the opportunity came again, you would consider taking it?”  This is a question I contemplated a lot during our last three-month road trip. And this year, while I’m working a max of 8 hours a week,... Read more »
  • How to Avoid Early Retirement Failure
    While life might be like a box of chocolates, I’d say it’s more like a garden box. We each have a specific and finite amount of time and space to grow what matters to us. There is often a work plant, a family one, friends, hobbies, or interests. At any... Read more »
  • Get Started Investing
    Getting started investing can feel overwhelming. Investing for retirement can seem impossible. You might need one to two million dollars to retire comfortably. When you hardly ever have an extra few thousand, a million dollars seems like a made-up, laughable number.  The power of compound interest is truly mind-boggling! In... Read more »
  • 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 »
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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 Couch: Replacing Pension Income
    If I leave now, how much would I have to save each month for the next six years to replace the difference I am losing? The post The Pension Couch: Replacing Pension Income appeared first on The Golden Albatross.... Read more »
  • The Pension Series (Part 31): Grumpus Maximization
    Pension Maximization Part Deux This post is a direct continuation of Pension Series Part 30. In that article, I introduced my general framework for maximizing your defined benefit (DB) pension, which I call Grumpus Maximization. I also walked through the first two steps of Grumpus Maximization, which were (1) setting... Read more »
  • The Pension Series (Part 30): Pension Maximization
    Pension maximization ensures your pension's positive impact in retirement is as significant as possible. You maximize your pension by taking active steps during your pensionable career. The post The Pension Series (Part 30): Pension Maximization appeared first on The Golden Albatross.... Read more »
  • The Pension Series (Part 6): Valuing Pension Subsidized Healthcare (Updated)
    I’m not afraid to say while updating this article, my thinking evolved on the importance a pensionable worker should place on their pension subsidized healthcare. It’s no longer the all-important monolith I once thought. The post The Pension Series (Part 6): Valuing Pension Subsidized Healthcare (Updated) appeared first on The... Read more »
  • 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 »
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    ChooseFI

  • mp3388 | The 18-Year-Old Who Actually Listened
    In this episode: college hacking, career hacking, the power of starting early, trade jobs, and salesforce careers. How many times in the past have you been listening to this podcast and thought, "I wish I knew about this when I was younger." Well today's guest Zach actually had the foresight... Read more »
  • mp3387 | How Real Estate Investors Make it Work in High Interest Environments | Coach Carson
    In this episode: real estate investing, the fundamentals of real estate investing, real estate investing variables, interest rates, and private money financing. With today's real estate market is it even possible to get some skin in the game as an investor? While thing's aren't exactly optimal for buyers right now,... Read more »
  • mp3386 | The $100K Glorified Sleepaway Camp | Millionaire Educator
    In this episode: College Hacking, College Credits for less, ACE Courses, CLEP Exams, and The Most Cost Efficient Bachelors Degree A college education may be the most daunting expense members of the FI community have on their horizon. As we all know by now, the cost of modern higher education... Read more »
  • mp3385 | Time Is Your Ultimate Luxury
    In this episode: Time as a Luxury, The Power of F-U Money, The Cost of DIY, Planning, and Decision Making. Even though time is our most precious non-renewable resource, the society we live in tends to take that fact for granted. Is working more to earn more really the most... Read more »
  • mp3384 | Functionality with Numbers
    In this episode: functionality with numbers, the rule of 74, decision making, free roles, and tilting the odds in your favor! Setting yourself up for success is one of the FI community's main ideals, but what is the best way to go about doing that? Well, to put it simply,... 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

  • Overcoming Blindness: Achieving Financial Independence With A Visual Impairment
    One of my goals on Financial Samurai is to share different perspectives. Roughly 15% of the world’s population (1+ billion), lives with some form of disability, of whom 2-4% experience significant difficulties in functioning. This is the minority group I’m most passionate about fighting for in this extremely competitive world.... Read more »
  • Private Real Estate Investing: Seven Takeaways After Five Plus Years
    As someone who has been consistently invested in private real estate deals since late 2016, I’m now firmly in the window for receiving distributions. My investment thesis to invest in heartland real estate has turned out well, partially thanks to the bad luck of the pandemic. Although a couple of... Read more »
  • Why Pay Off A Negative Real Mortgage Rate When Inflation Is So High
    Paying off a mortgage with a negative real interest rate is a suboptimal financial move. However, that’s exactly what I did in this unusually high inflationary environment. Bad move? Maybe. The mortgage rate was a 30-year fixed at 4.25% and the latest inflation figure was 9.1%. Therefore, it had a... Read more »
  • How To Get Life Insurance For Free: Make More Money
    Have you ever wondered how you can get life insurance for free? I’m not talking about getting free life insurance from work. It usually isn’t enough. I’m talking about how to get free life insurance outside of work. My wife and I have life insurance because with have two young... Read more »
  • Why I Wrote A New Personal Finance Book: Buy This, Not That
    After two and a half years of brainstorming, writing and editing during the pandemic, my book, Buy This, Not That: How To Spend Your Way To Wealth And Freedom is now available! The book is a Wall Street Journal bestseller and can be purchased on Amazon, B&N, and in bookstores... Read more »
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    Accidental Fire

  • MRR From Royalties Is The Ace Up My FIRE Sleeve
    The more I develop my graphic design business the more I’m convinced that earning money from royalties is a magic trick.  If you’re not familiar with how my business works, I simply create digital graphic designs and upload them to... The post MRR From Royalties Is The Ace Up My... Read more »
  • T.G.I.F. Friday: Volume 74
    Welcome to “Thank God I’m FI” Friday, Volume #74! Here are some things I really like and that you might too.   Financial Independence/Retirement Articles I quit my day job! Here’s what I’m doing next (Freedom 35) – “I have... The post T.G.I.F. Friday: Volume 74 appeared first on Accidental... Read more »
  • If You’re Not Focusing On The Basics You’re Doing It Wrong
    A few weeks back I went on a different Saturday cycling group ride than I normally do and got to meet some new folks.  It was a great ride, not too serious and with some nice roads and hills. I... The post If You’re Not Focusing On The Basics You’re... Read more »
  • Taking Stock: A Hospice Doctor’s Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life – Book Review.
    “Daddy, what does it feel like to die?……..   My sweet child, I’m still trying to figure out what it feels like to live.” Taking Stock: A Hospice Doctor’s Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life, is... The post Taking Stock: A Hospice Doctor’s Advice on Financial... Read more »
  • T.G.I.F. Friday: Volume 73
    Welcome to “Thank God I’m FI” Friday, Volume #73! Here are some things I really like and that you might too.   Financial Independence/Retirement Articles Think Outside the Portfolio (Of Dollars And Data) – “No matter what the markets throw... The post T.G.I.F. Friday: Volume 73 appeared first on Accidental... Read more »
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    Independently Financed

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

  • A Guide to Practicing Trust
    By Leo Babauta At the core of a lot of our difficulties is a lack of trust — especially trust in ourselves. Think about these common difficulties that most of us face: What to focus on: We don’t trust our hearts to choose what we’d like to work on right... Read more »
  • Getting to the Heart of Impulse Shopping
    By Leo Babauta It’s a simple fact: the pandemic has increased the amount of impulse shopping most people have been doing. There are lots of stats proving it, but you can simply take a look at your own life and the lives of people you know to see that it’s... Read more »
  • The Balanced Path: An Open Heart Without Taking on Suffering
    By Leo Babauta I’ve had a few emails from readers who ask me how to be compassionate towards other people without taking on all of their suffering. Opening your heart to another person can be emotionally taxing if you are feeling all of their pain. It’s an incredible question, because... Read more »
  • We’re Always Training Something
    By Leo Babauta Every day, we go through a set of actions that is training our minds in the long term. Sometimes we’re training intentionally: we meditate, practice focus, get ourselves to start a workout, resist temptations, etc. Mostly, though, we’re training unintentionally: when you press snooze on the alarm... Read more »
  • How to Have a Powerfully Effective Day
    By Leo Babauta A lot of people I talk to are unhappy with their ability to get stuff done in their lives. They feel they’re wasting a lot of time, never really getting anything important done. What I like to play with is the idea of having a “powerfully effective... 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

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

  • 13 Side Hustles for Therapists and Psychologists
    These side hustles are ideal ways for therapists and psychologists to make extra money outside of a full-time job. There are plenty of creative possibilities! The post 13 Side Hustles for Therapists and Psychologists appeared first on Vital Dollar.... Read more »
  • Watch Ads for Money: 13 Ways to Earn Cash by Watching Ads
    Watch ads for money by following these practical tips to earn extra cash in your spare time. Watching ads is an easy and flexible side hustle! The post Watch Ads for Money: 13 Ways to Earn Cash by Watching Ads appeared first on Vital Dollar.... Read more »
  • Flipping Furniture for Profit: A Flexible Side Hustle
    Learn how you can start making money easily by flipping furniture for profit. Where to buy, what you need to do, and how to sell for a profit. The post Flipping Furniture for Profit: A Flexible Side Hustle appeared first on Vital Dollar.... Read more »
  • 9 Signs You May Be Living Above Your Means (and What to Do About It)
    Are you living above your means? Check these warning signs and see if they apply to you. If so, changes will improve your financial condition. The post 9 Signs You May Be Living Above Your Means (and What to Do About It) appeared first on Vital Dollar.... Read more »
  • 21 Location Independent Jobs for Digital Nomads and Travelers
    These location independent jobs are perfect for providing the flexibility to travel while working and making money. Work as a freelancer, entrepreneur, or remote worker. The post 21 Location Independent Jobs for Digital Nomads and Travelers appeared first on Vital Dollar.... Read more »