+

    Mr. Money Mustache

  • VideoMichael Burry Trashes Index Funds – Are We Screwed?
    As a general rule, Mr. Money Mustache avoids reading the daily news and ignores the fluctuations of the stock market. And he advises you to do the same thing. The negative factors of wasting your time, diluting your precious brainpower, and creating undue stress by worrying about things outside of... Read more »
  • How to Make a Thousand Bucks an Hour
    It’s Back to School time here in Colorado, which means both my son and I will be hanging up the swim shorts and kayak paddles and getting back to more serious business for a while. It has been a slow and endlessly sunny and leisurely summer, and a nice break... Read more »
  • Should We Employ Our Own Kids? (and How Much to Pay Them)
    Way back in 2015, I had a nine year old boy. Even back then, I could see him showing some early flashes of adulthood and maturity, and it got me wondering about his future as it relates to money and freedom. So I wrote a post called What I’m Teaching My... Read more »
  • VideoOur Shared Ongoing Battle To Not Buy A Tesla
    Like you, I am pretty much resigned to the fact that I’m going to have to buy a Tesla at some point. I can tell because I have read every last scrap of Tesla news and inadvertently memorized every last technical detail about the company and their cars and energy... Read more »
  • VideoThe Real Benefit of Being Rich
    There have been a lot of big bills coming across my kitchen table recently. Property taxes, car registrations, income taxes, things for the school orchestra in which little MM plays the standup bass. Plus the usual credit card bills for all my spending on groceries and not-all-that-rare luxury indulgences. There’s... Read more »
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    financial independence / early retirement

  • Negative Interest Rates and FIRE
    I'm curious how negative rates do not seem to be a big concern for the fire community. Japan and big portion of Europe both now have negative interest rates. This hasn't happened in the US yet but it's a viable possibility. Negative interest rates would blow up most FIRE plans,... Read more »
  • Unpopular Opinion? $1M isn't a lot of money anymore
    Was in a discussion with friends about how much liquidity they would need to retire. One guy was adamant that you could live like a king on $1M in the US. He refused to do the math, but I reasoned he could pay off his house (about $300K) and have... Read more »
  • Fear of debt holding me back?
    Looking back over the last few years, I’ve missed out on a bunch of opportunities that would have made me wealthy. The reason I missed out on those are because of debt. I didn’t buy a commercial real estate with a mortgage because I wanted something I could afford outright.... Read more »
  • Weekly FI Frugal Friday thread - October 18, 2019
    Please use this thread to discuss how amazingly cheap you are. How do you keep your costs low? How do become frugal without taking it to the extremes of frupidity? What costs have you realized could be cut from your life without pain? Use this weekly post to discuss Frugality... Read more »
  • Daily FI discussion thread - October 18, 2019
    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

  • Guest post: Fulfillment
    This is a guest post from Peter Lawrence author of The Happy Minimalist. He was born and raised in Singapore and lives in Santa Clara, California. He has been able to retire well before the normal retirement age not because he won a lottery, inherited wealth, or joined a start-up.... Read more »
  • How do I get my spouse to go along with my frugal plans?
    So you have joined the ranks of enlightened people, who want to retire early, move to another country, or redesign their lifestyle, and now you want your spouse or partner to go along with it? Not so fast! While winning friends is easy, influencing people is a lot harder, but... Read more »
  • What retirement means as an extravert
    Outgoing people have a psychological need to interact with other people most of the time. This can pose a big problem for extraverted early retirees as most people at the same age or even 10 or 20 years older will away at their jobs for over 10 hours a day... Read more »
  • Preliminaries to retiring in 5 years
    I usually start my “program” with a relocation closer to work and shopping. This allows one to shed at least one car. The rest is just variations and polishing that theme. Extreme early retirement can thus be reached through a frugal antisuburan lifestyle without car dependence, hour long commutes, and... Read more »
  • What makes me feel rich
    I think the idea of splurging a little to feel rich while not being rich and in particular while paying off debt is misguided and up there along with “what kind of candy bars do you have in your weight loss plan?”. It seems obviously self-contradictory, so why does it... Read more »
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    Go Curry Cracker!

  • Planning for a 60+ Year Retirement
    One of the things I dislike about the 4% Rule / Trinity Study is the open-ended definition of success – if you have more than $0 after 30 years, great success! Having $1 and $1 million both meet that criteria, but will have obviously different outcomes over the next 30... Read more »
  • How are the 2000 and 2008 retirees doing?
    Your typical Trinity Study / 4% Rule style portfolio longevity analysis requires a full 30+ year period to determine retirement success. If the portfolio value was still positive after 30 years of spending, you passed. If you ran out of money, you didn’t…amongst other things. Since we don’t have a... Read more »
  • What if it all went to hell?!
    Well, whattaya know… 7 years ago today-ish I walked out of my office building for the last time. A lot has happened since that day. We traveled full-time for a couple of years before becoming parents and traveling parents… Jr has now been to 40+ countries. We started a couple... Read more »
  • The Cost of Working One More Year
    Early retirees are an interesting bunch… on the one hand, it takes a lot of audacity to leave the workforce decades early. I mean, who does that?! On the other hand, most of us are extremely fiscally conservative. People are even competitive over who is the most risk-averse… “You go... Read more »
  • An Unproductive life
    A couple of centuries ago some people were thinking the industrial revolution would lead to the end of toil and strife. Automation would bring shorter workdays, fewer work weeks, and an abundance of free time. Email would allow people to attend fewer meetings and spend more time outside the office.... Read more »
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    1500 Days to Freedom

  • 10 Questions With Stoj Finance
    Today’s 10 Questions submission comes all the way from The Land Down Under, Australia! I’ve never been, but it’s a bucket list vacation item for me. Take it away StojFinance! There are approximately 476,492,692,958 personal finance blogs last time I checked. Why should we read yours? Good question. What sets... Read more »
  • VideoFive Tips For Finding Your Next Frank Lloyd Wrong Home To Flip (with Video)
    Live-in flips are how Mindy and I built the core of our nest egg. The huge advantage of a live-in flip is that unless you’re making loads of money, you don’t have to pay taxes on the gains. As long as you’ve lived and owned the home for 2 of... Read more »
  • VideoSeptember Performance Update (Day 2464): Hello New House, Goodbye Old Car
    My main goal* was to build an investment and cash portfolio of $1,120,000* 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 openness, I’ll continue to share my numbers. September was a very,... Read more »
  • Live-In Flip: YouTube Home Tour
    I never thought that I’d bother with a YouTube channel. Who wants to watch me yammer on? Yikes… But, what better way is there to show a home remodel than with video? So, I started a channel: https://www.youtube.com/1500days YouTube Channel! The purpose of this YouTube adventure is to document our... Read more »
  • Funny Money Portfolio Update
    Ever since JL Collins showed me the wisdom of index funds, I’ve been a big fan. Prior to that, I invested in individual stocks. Stocks worked out pretty well for me. I’m a tech nerd, so I was heavily biased towards geek stocks. I bought Google when it IPOd in... Read more »
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    Mad Fientist

  • mp3Scott Young – Ultralearning
    Scott Young joins me on the Financial Independence Podcast to talk about "ultralearning" and why it's great for people pursuing early retirement! Read more → The post Scott Young – Ultralearning appeared first on Mad Fientist.... Read more »
  • The Best and Worst Thing About Financial Independence
    The best thing about financial independence is also the worst. I explain what it is and also share details about the secret project I've been working on! Read more → The post The Best and Worst Thing About Financial Independence appeared first on Mad Fientist.... Read more »
  • mp3Valuable Lessons from My Third Year of Freedom
    It's been three years since I left my full-time job and this past year was the best one yet! Here's a short podcast episode with everything I learned. Read more → The post Valuable Lessons from My Third Year of Freedom appeared first on Mad Fientist.... Read more »
  • Mortgage Payoff Experiment
    A real-life experiment that compares paying off a mortgage early versus investing the same amount of money in the markets! Read more → The post Mortgage Payoff Experiment appeared first on Mad Fientist.... Read more »
  • mp3Ramit Sethi – I Will Teach You to be Rich
    For the first time, Ramit Sethi from I Will Teach You to be Rich shares his thoughts on FIRE (Financial Independence, Retire Early)! Read more → The post Ramit Sethi – I Will Teach You to be Rich appeared first on Mad Fientist.... Read more »
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    Millennial Revolution

  • Chautauqua Portugal 2019: What Makes You Happy?
    Well, we are back from two straight back-to-back Chautauquas and once again it has been an EPIC time for everyone. This year we did 3 weeks: one in Stratford-Upon-Avon, UK and two in Portugal, and what I love about Portugal is It’s relatively unknown. People tend not to know what... Read more »
  • Guest Interview with Craig, Author and House Hacker Extraordinaire
    Long-time readers of this blog (thank you!) know that we retired at 31 to travel the world by doing the exact opposite of what our parents have been preaching—not buying a house. Given that the average single-family home cost over a million dollars in Toronto, instead of getting into massive... Read more »
  • Book Review: Choose FI, Your Blueprint to Financial Independence
    “The FIRE is spreading.” One of my favourite things about the FIRE acronym is how powerful it is. Finance is generally a dry topic, so when most people think about finance, they think about spreadsheets, charts, graphs, reams of numbers—I just fell asleep in the middle of that sentence. It’s... Read more »
  • At Chautauqua, Drinking Port.
    I must confess, sometimes retirement is not all it’s cracked up to be. Today is not one of those days. Most days I wake up and wonder out loud whether this awesome life we get to lead is actually real. I pinch myself to make sure it’s real. Every time,... Read more »
  • Reader Case: Going Back To School In His 50’s
    Usually when I read an email from someone asking for a case study, I can usually tell where it’s going within the first paragraph or so. This one, however, I must admit I started getting more and more alarmed the more I read. Our reader has made some…let’s say…expensive mistakes... Read more »
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    Can I Retire Yet?

  • How Does Home Ownership Fit Into An Investment Portfolio and Financial Plan?
    A great framework for developing positions and hypotheses is what Stanford professor Paul Saffo describes as strong opinions, weakly held. Using this approach, my ideas on home ownership have evolved over the years. Like most Americans, I started out believing home ownership is a great investment. A few months after... Read more »
  • Summer Travels and Travails
    Ever since I started writing about retirement 8 years ago, I’ve stressed the importance of being active while you can, to minimize regret. Don’t defer your dreams. Case in point: I had hoped to spend this past summer trekking in the western mountains. But, an injury forced me to cancel... Read more »
  • September 2019 Best of the Web
    We have a collection of great articles and exciting blog news to share this month. There is a lot of angst about market bubbles and pending recessions, so we kick things off there. We also share some great resources for those grappling with complex investment decisions. We go to a... Read more »
  • The Stages of Financial Independence
    I started reading this blog about five years ago, when I was literally asking myself the question “Can I Retire Yet?”. I desperately wanted to escape a career that dominated my time and left me feeling burnt out. Reading this and other blogs was incredibly educational. However, as I better... Read more »
  • Making the Transition From Spender to Saver to Achieve Financial Freedom
    Today, I have an interview with Rob Berger of Retire Before Mom & Dad. I’ve gotten to know Rob through the blogging world over the past couple years. You may be familiar with Doughroller, the popular blog and podcast he started. He is now also deputy editor at Forbes. Rob... Read more »
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    Root of Good

  • September 2019 Financial Update
    Summer is officially over and fall is here (finally). Between the heat and humidity of our summer vacation in Southeast Asia and the excessively warm September in North Carolina, I'm definitely ready for cooler weather. Fall, my favorite time of the year, means more pleasant outdoor weather for lounging in the... Read more »
  • August 2019 Financial Update – Back to School Edition
    Here we are days away from the official start of fall. We are fully recovered from our eight week vacation in Vietnam, Cambodia, and Thailand. After we landed in Raleigh, we were immediately busy with back to school shopping for supplies and clothes and several rounds of school orientations now... Read more »
  • Vietnam: From Saigon High Rises to the Mekong Delta
    What do you do when you save a bunch of money and retire at 33? Spend months at a time traveling the world of course! This summer we spent eight weeks exploring the temples, palaces, and waterways of Vietnam, Cambodia, and Thailand in Southeast Asia.  In today's article, we cover... Read more »
  • July 2019 Financial Update – Exploring Cambodia and Thailand Edition
    The Root of Good family just got back to the US after an eight week adventure in Southeast Asia. We spent the month of July split between Cambodia and Thailand.  Now that we're rested up and mostly recovered from the jet lag, I wanted to take a break from life... Read more »
  • June 2019 Financial Update – Exploring Vietnam Edition
    June was an incredibly busy month for the Root of Good family. We spent the first half of the month at home in Raleigh wrapping up the school year for the kids. Then we relaxed for a few days before packing our bags for our big eight week summer vacation... Read more »
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    Frugalwoods

  • Reader Suggestions for Celebrating Halloween and Thanksgiving On A Budget
    September to December = my favorite time of year. I’m a holiday hound. A festivity fox. A Halloween hugger. What can I say? This trifecta: Halloween Thanksgiving Christmas IS MY JAM. People are sometimes surprised at how robustly I celebrate holidays because celebrating is not inherently frugal or minimalist or... Read more »
  • This Month On The Homestead: A Full Woodshed, Evolving as Gardeners, Plus a Pumpkin
    September 2019 As you saw in our expense report, September turned us away from summer, pushed us into fall, and forced us to reckon with the inevitability of winter. We started the month with monochromatic green and ended in a riot of leaf colors. September makes us hustle. Dropping temperatures... Read more »
  • A Chainsaw And Other September 2019 Expenditures
    Winter is coming and every year, we spend a boatload (an actual, entire boat) of money in preparation. It might cost us less to just burn dollar bills to keep warm. This September was particularly expensive because quite a few non-annual expenses all hit at once. Expenses we incur every two... Read more »
  • Reader Case Study: Family of Four Plans a Move from Oregon to Japan
    Helen and Earl want to move to Japan! They currently live in Portland, Oregon with their two daughters and are planning to make the leap overseas in the spring of 2021. Helen would like our help thinking through the process of moving and wants to check her financial projections with... Read more »
  • How to Thrift Like a Rockstar: Plan Ahead, Buy Ahead and Focus on Depreciation
    I’m a known thrifter. Unlike known grifters, this is a good thing. Since becoming Mrs. Frugalwoods, I’ve tried to buy everything second-hand. This doesn’t always work out and sometimes I choose to buy things new (such as my mattress), but on the whole, my household is awash in used goods. Today, I... Read more »
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    jlcollinsnh

  • A Guided Meditation for When the Stock Market Is Dropping
    The market is plunging. You’re starting to panic. You want to hit the “sell” button! DON’T! Tune into this relaxing meditation, and let the soothing voice of JL Collins help you embrace this wonderful market cycle. ************************ A few weeks ago I was at Ettington Park, Stratford-upon-Avon enjoying Chautauqua.  ... Read more »
  • 7 Days in Heaven: or Why Slowing Down Will Get You There Sooner
    Ettington Park, Stratford upon Avon, UK: Our venue for Chautauqua XII, 2019 Photo by  JT Olmstead Last week we wrapped up Chautauqua XII, returning once again the the United Kingdom and one of our very favorite venues. The chapel on this property was under construction in the 12th century, fitting... Read more »
  • Quit Like a Millionaire
    My pals, Kristy and Bryce, just released their new book, Quit Like a Millionaire. Want to know what I think? Well, they asked me to write the Foreword and here it is: *************************************************************** Foreword                              by JL... Read more »
  • Stocks — Part XXXV: Investing for Seven Generations
    As I have mentioned many times, we don’t discuss secret stuff at Chautauqua. There is no “special sauce” revealed for investing or life not available here on the blog or in my book. But we do kick around ideas and I sometimes explore concepts rattling around in my brain with... Read more »
  • Chautauqua 2019 – UK & Portugal – Tickets Now Available
    First… OK, I’m just going to come out and say it. If you want to join us for Chautauqua 2019 stop reading and go directly here to sign up: Chautauqua UK & Portugal, 2019 Do it now. The advance interest we’ve had this year has been like no other. Chautauquas... Read more »
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    Mr. Free At 33

  • Expenses For September 2019
    Time to open up the books on how much money I spent last month. Managing expenses is absolutely critical to becoming financial independent at a young age. In fact, I’d argue it’s much more important to be an excellent saver than an excellent investor in this regard. And in order to save, you must... Read more »
  • Thai Visa Crackdown: My 2020 Visa Plan For Living In Thailand
    I moved to Thailand in the fall of 2017 in order to live out my early retirement dream lifestyle. It’s far exceeded expectations. Moving abroad and taking advantage of geographic arbitrage is, in my opinion, vital to unleashing the full potential of early retirement. It’s why I discussed it so... 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 »
  • Dividends Versus Capital Gains: Has AT&T Been A Better Investment Than Visa?
    I’m a shareholder in both AT&T Inc. (T) and Visa Inc. (V), as you can see by perusing my FIRE Fund. The FIRE Fund is my real-money early retirement stock portfolio. I live off of the dividend income it generates on my behalf. I bought shares in both AT&T and... Read more »
  • Dividend Income Update For September 2019
    Ahh, dividends. Even just hearing that word conjures up all kinds of warm and fuzzy feelings for me. I remember playing the board game Monopoly as a kid. My favorite Chance card was the one where Mr. Monopoly (or Rich Uncle Pennybags) collected his bank dividend of $50. I thought that was so... Read more »



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    The Wealthy Accountant

  • Finding Solitude in a Life of Success
    Life is filled with stress. Since I'm one of the few in the FIRE and PF communities taking consulting sessions I get to hear a lot of stories first hand. People have real challenges and they hurt, deep inside. They want so badly to unyoke themselves from student loans and... Read more »
  • Reading Financial Statements for Profit
    The knowledge doesn't have to come from you, I continued. You would be surprised how often the best insights come from other students as they ask questions and debate answers.  As I said to Kimberly, it is unlikely we will ever cross paths again. There is nothing to lose. Nothing... Read more »
  • Health Update and Camp Accountant
    Several false starts have finally ended in a real Camp. The changes were important. I was pushed to do a Camp by someone else's rules and it kept falling apart. I finally decided to have the Camp right where I want it: a short walk from my tax office.  I... Read more »
  • How We Are Addressing Climate Change All Wrong
    The old story of the frog tossed into boiling water and immediately jumping out comes to mind. With climate change the warming is so gradual (and sometimes welcome) we don't notice we are getting boiled. Yet the temperature inexorably continues to climb. Like the frog, we will stay in the... Read more »
  • $20 Million “Change the World” Giveaway
    Both debt buying hedge funds I managed did well; the first significantly better than the second. More important than the money was the experience I gained. I know the intimate details of buying, selling and collecting debt. And I have contacts.  When I ran across the John Oliver video I... Read more »
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    Physician on FIRE

  • Your Complete Guide to House Hacking
    House hacking as a concept is not exactly new, but the term is relatively new to me. If I knew then what I know now about the strategy, I would have been more inclined to implement a house hack as a college student, medical student, or resident. I saved money... Read more »
  • Top 5 Reasons to Exceed 25 Years of Expenses Before Retiring
    Financial independence is defined as owning assets that will support your intended lifestyle for the remainder of your life. While those assets may include rental properties or cash flowing businesses that provide passive or semi-passive income, the most common scenario, particularly for high-earning professionals, is to accumulate a portfolio consisting... Read more »
  • The Sunday Best (10/13/2019)
    The Sunday Best is a collection of articles I’ve curated from the furthest reaches of the internet for your reading pleasure. Every week, I scan hundreds of headlines, read dozens of posts, and bring you the best of the best to save you time and mental energy. Financial Independence (FI)... Read more »
  • Spend Money On What Makes You Happy
    Several years ago, I wrote a post called Happiness is an Early Retirement. I wrote about the things that studies have shown improve our happiness and it turns out early retirement can facilitate each and every one of them. One thing early retirement does not give us, though, is more... Read more »
  • The Backdoor Roth Point / Counterpoint: A Must-Do or Meh?
    Is the Backdoor Roth one of those moves that every high-income earner should be making? Or is it a marginally beneficial play that you can take or leave as an investor? I made an argument that suggested the latter, showing that the marginal benefits of doing the backdoor Roth paled... Read more »
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    Get Rich Slowly

  • How to supplement retirement income with a part-time job
    Could you pay your mortgage, groceries, rent, insurance, medical expenses, and other bills on $2000/month? If you could, what kind of lifestyle might you lead? Millions of retirees across America live it every day. The Social Security Administration reports that 50% of elderly married beneficiaries and 70% of singles rely... Read more »
  • Should I stay or should I go? Wrestling with the decision to quit a career
    J.D.'s note: In the olden days at Get Rich Slowly, I shared reader stories every Sunday. I haven't done that since I re-purchased the site because nobody sends them to me anymore. But earlier this year, Mike did. I love it. I hope you will too. Earlier this year, I... Read more »
  • VideoEarly Retirement Extreme: The ten-year update
    Today, I'm pleased to present a guest article from one of my favorite money bloggers of all time: Jacob Lund Fisker. Fisker founded Early Retirement Extreme in 2007. It quickly became an influential voice for the nascent FIRE movement. In fact, I think it's fair to say that FIRE wouldn't... Read more »
  • VideoExperimenting with ultra-light packing: How I packed light for 20 days on the road
    Hello from Portugal! Last Thursday, I returned to Europe for the fourth time in the past ten months. This time, I'm here for work. I'm speaking at yet-another chautauqua about financial independence and early retirement. As always, it's fascinating — and the people attending the event are amazing. For this... Read more »
  • How adopting two girls changed my money mindset
    I’ll never forget the moment I got the text message from my wife: “Do you want to adopt two girls?” I was at work. We'd been exploring adoption for the previous year but had hit some roadblocks. Adoption wasn’t really on my radar anymore, and we had never discussed adopting... Read more »
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    Fiery Millennials

  • Interviewing for Jobs Sucks
    I think every adult in America knows the struggle. The soul-sucking, confidence draining, emotional roller coaster of a search that is interviewing for new jobs. After my last round of interviewing, I was so happy to be done with the circus of applying for new jobs. I thought, I found... Read more »
  • Monthly Status Report: September 2019
    Disclaimer: some links may be affiliate links. They help offset the cost of keeping this blog running! Why do I do a monthly status report? I find it best to do a monthly status report for a few reasons. It helps me evaluate how I did the previous month. Did I hit a target reduction in spending or did... Read more »
  • Monthly Status Report: August 2019
    Disclaimer: some links may be affiliate links. They help offset the cost of keeping this blog running! Why do I do a monthly status report? I find it best to do a monthly status report for a few reasons. It helps me evaluate how I did the previous month. Did I hit a target reduction in spending or did... Read more »
  • A Weekend of Yes
    I met a pretty cool guy at a ChooseFI LA meetup a few years ago. His name is Joel and he is one of the most upbeat, happy go lucky people I’ve ever met. I’ve gotten to know him better over the last few years and am pretty happy to... Read more »
  • FinCon 2019 and the Future
    This year was the fourth straight year I’ve had the pleasure of attending FinCon. For those of you who don’t know what FinCon is (like my former coworker who asked “WTH is a FinCon??”), it’s a conference for content creators who talk about money. The tagline is “where money and... Read more »
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    The Money Mustache Community

  • Re: Craigslist Facebook Marketplace Arbitage
    I doubt it would be worth it if making money was the main goal, but if I could pay for the trips outside to visit family it would be a pretty good gig.... Read more »
  • Re: I'm seeing personality tests and cognitive tests in tech now
    My advice is to see a personality test as a red flag. HR clearly has no idea what they're doing. You're better off staying away from these companies. My guess is that they were testing for compliance and doing whatever you are told. That's why you fail...... Read more »
  • Re: College Admissions
    Consider sending her to the UK. Seriously. From the eastern seaboard, it's barely further than California, and she'll be done in 3 years instead of 4. You'll be paying full freight as a wealthy foreigner, but that's like 15k/year or thereabouts.Start ...... Read more »
  • Re: Free College - Shelter Assets
    I think it's more worth your time to learn how to negotiate tuition costs and make sure your kid is top quality than it is to try to hide money. Just make sure your kid stands out and makes admissions directors salivate. If you get them panting, and co...... Read more »
  • Re: Still 45 scrum meetings left... (software job rant)
    Quote from: Tris Prior on Today at 04:49:12 PMThanks for the suggestions! We are a big company and this is coming down from the CEO and EVP level. As far as I can tell, this is happening because the company has alwa...... Read more »
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    Early Retirement Extreme Forums (est. 2010)

  • Miscellaneous • Re: Anxiety and decisions
    We have three ways of decision making ranked according to speedInstinctEmotionReasonAnxiety is the nagging doubt that the decision we are making is sub optimal.Exposure to making lots of smaller bad decisions when the costs are low is the way to overcome anxiety.Statistics: Posted by fiby41 — Fri Oct 18, 2019... Read more »
  • ERE Journals • Re: mooretrees journal
    What it made me think and reflect on, is that while people talk about ERE in the forum and are doing it, it doesn't seem like too many people have really reached the low spending and life satisfaction that Jacob has achieved.I think spending and life satisfaction are two different... Read more »
  • ERE Journals • Re: Halfmoon's journal
    The wall looks like it perfectly fits there. That's not always easily accomplished, so my compliments to you. Nice work.High praise indeed from you, ffj. Thank you!Statistics: Posted by halfmoon — Fri Oct 18, 2019 10:28 pm... Read more »
  • ERE Journals • Re: Halfmoon's journal
    The wall looks like it perfectly fits there. That's not always easily accomplished, so my compliments to you. Nice work.Statistics: Posted by ffj — Fri Oct 18, 2019 9:50 pm... Read more »
  • Miscellaneous • Re: Western USA Drought
    @ZAFCorrection: A cost controls measure that would work, imo, is to handle it like the they are starting to handle it like coastal cities in the SE in path of hurricanes: take the buyouts or risk your livelihood on being uninsured. Reason for that is at a certain point it... Read more »
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    Done by Forty

  • Baby AF in Daycare
    Today is the first day of Mrs. Done by Forty's new job, a cool post-doc position that will let her work in her field for a couple of years and let us stay local, all complete with a hardly-believable set of benefits. We're both excited for this opportunity for her to use... Read more »
  • To Jax
    It was two days before we flew back from Germany that we got the email."Please call when you can, son. It's about Jax."Due to the time difference there was no answer when we called. We spent the day thinking the worst, but felt relieved when we finally were able to... Read more »
  • Of Course They Don't Want to Talk Politics
    Our flight to Paris was canceled due to a mechanical issue, which I suspect was the result of the under-reported mechanics' strike. Workers of the world unite, but do you think you could let us make our connecting flight?When we finally arrived in France a day late, the internet in our... Read more »
  • Tiny Privileges from Buying in Bulk
    I went to Target this weekend for some last minute shopping for our upcoming trip to Europe with Baby AF. It was our third trip to Target, recently, because no matter how many lists I make there's always something I think of later.The worst part is that, thanks to an... Read more »
  • Trust Fund Baby AF?
    There's a certain amount of pride that I feel, being the son of an immigrant. I like that part of my personal history; after the divorce, I was raised by a Filipino woman. She taught me lessons borne out of her life of poverty, in another country, in a culture... Read more »
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    grumpusmaximus.com

  • The Pension Series (Part 20): Pensions, Volatility, and Risk
    When should a participant in a pension plan pay attention to market volatility? The post The Pension Series (Part 20): Pensions, Volatility, and Risk appeared first on grumpusmaximus.com.... Read more »
  • The Pension Series (Part 19): Pension Annuity vs. Lump Sum Analysis (Again)
    This Never Gets Old I’m not feeling particularly creative or productive this weekend. The last two weeks flew by in a blur due to work, which means no work on retirement paperwork. Strangely, though, I found both the time and mental clarity to help a reader analyze his pension lump... Read more »
  • Guest Post: Worth vs. “Worth It” Meets Value Purchasing
    Frequent guest writer, Chris Pascale, explains value purchasing, and some of the purchases he's made over the years that he considers "worth it". The post Guest Post: Worth vs. “Worth It” Meets Value Purchasing appeared first on grumpusmaximus.com.... Read more »
  • Pre-Retirement and Mental Health
    Everyone Take Note May is Mental Health Awareness month in the United States. I make no secret on this blog that I struggle with depression and anxiety linked to Post Traumatic Stress (PTS). Just the opposite, I shine a light on those issues and their interplay with my pensionable career... Read more »
  • The Military Retirement Process: Lessons Learned (Part 1)
    For the Military Members in the Audience When I first announced that I was officially retiring in 2019 via the blog and my Facebook group, the response was overwhelmingly positive. Amidst all those positive responses, Timika Downes, a fellow Financial Independence (FI) blogger, reservist, and FB group member asked me to... Read more »
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    Budgets Are Sexy

  • Books over Candy this Halloween Season??!
    Books over Candy this Halloween Season??! Here’s an idea for you this Halloween season 🙂 Give children *books* during trick or treating instead of candy! An initiative started by BooksForTreats.org because “books feed children’s minds, while candy only feeds their cavities”, haha… All the dentists and librarians in the house... Read more »
  • Stats Bomb VI
    Stats Bomb VI What up what up! Opened an email that rattled off the below stats, and reminded me we haven’t done a good bombing of them in a while… According to Northwestern Mutual, the average American has over $38,000 in Personal Debt According to GOBankingRates, 58% of Americans have... Read more »
  • Phrases to use instead of “I Don’t Want to Spend Money”
    Phrases to use instead of “I Don’t Want to Spend Money” Caught this on Twitter and had to reshare! Great alternatives! So many of us struggle with saying “no” to stuff, but it’s not because we don’t care or *want* to do a lot of these things, but it’s simply... Read more »
  • VideoHow Getting Sober Changed My Life — and My Money
    How Getting Sober Changed My Life — and My Money [Good morning!!! I want to share a powerful story by a friend of mine, and new(ish) blogger on the scene, Deanna from Recovering Women Wealth, who’s not only found her path towards financial freedom, but freedom from the devil’s work... Read more »
  • Our Decision on The Benz!
    Our Decision on The Benz! So after many (MANY!!) days obsessing about this and pouring over your thoughtful notes and advice and nudges (you sure didn’t hold back! Haha…) we finally made a decision on what we wanted to do with that Benz offer burning a hole in our brains…... Read more »
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    ChooseFI

  • mp3149R | Whole Life Insurance
    How to break Old Navy and cockamamie life insurance schemes are just two of the topics Brad and Jonathan cover in today's episode. For more information, visit the show notes at https://ChooseFI.com/149r... Read more »
  • mp3149 | On Trajectory With Tyson Koska
    Tyson Koska shares his On Trajectory tool and what led him to his own path of Financial Independence. Brad and Jonathan discuss how Tyson got started with FI and how On Trajectory tools cover net worth tracking and digital options. For more information, visit the show notes at https://choosefi.com/149... Read more »
  • mp3148R | FI101 | Expense Ratios and House Hacking
    Craig Curelop, author of The House Hacking Strategy: How to Use Your Home to Achieve Financial Freedom, shares his house hacking strategies. We also discuss Expense Ratios and the new book, ChooseFI: Your Blueprint to Financial Independence. For more information, visit the show notes at https://ChooseFI.com/148R... Read more »
  • mp3148 | Struggle | The Psychology of Poverty with Andréa Motenko
    Andréa has committed her life to social studies and taking FI information to people experiencing poverty. She grew up in a similar situation. At age seven, Andréa saw her first violent murder. Throughout her childhood, being raised by a single mother, she struggled with food insecurity and housing insecurity. However,... Read more »
  • mp3147R Contributions, Corrections and Criticisms
    Compounding vs total return, envelopes vs simplifying your finances, and the potential value you could get from working with a “assets under management” financial advisor. Also, Tori Dunlap reached her goal to save her first $100k by age 25 on the day her interview aired! For more information, visit the... Read more »



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    Military Guide

  • Military Space Available Travel: Tips for Flying Space-A The Navy Way
    Space A travel is one of our favorite retiree benefits! It’s the military version of ultimate travel hacking. Although most of the system is run by the Air Force’s Air Mobility Command, the Navy has a few of its own Space A passenger terminals. When you know how to use... Read more »
  • Reader Interview: Planning For The Military Transition
    [Today’s military transition advice is brought to you by servicemember Annabel Monroe of Monroe Brothers Investments.  If you’re interested in contributing your interview at The-Military-Guide.com, please see our posting guidelines.]   What influenced your decision to join the military, and what’s your transition plan to leave active duty? I always... Read more »
  • VA Loan Certificate of Eligibility – Why You Need it and How to Get One
    VA Loan Certificates of Eligibility have made it possible for thousands of veterans to take advantage of VA Loans to make their dreams of owning a home a reality. Buying a home can be an expensive and complicated process. So, anything that makes the home buying process easier and more... Read more »
  • VA Loan Property Types – Which Type of Home Can You Buy with a VA Loan
    VA Loans are an excellent way for U.S. military members, veterans, and their families to buy a home. VA Loans feature many benefits, including being easier to qualify for than a comparable conventional loan, as well as offering the ability to finance 100% of the home purchase. Once you have... Read more »
  • From The Mail Buoy: Staying For 20 And Hacking The High Cost Of Living in Hawaii
    A reader writes: “Nords, I’m an avid reader of your website and love your Reddit replies. I’m active duty with 14 years of service.  I’m saving a considerable amount of my paycheck and investing in dividend growth stocks with a portfolio that yields about 3.5%. I can retire at 20... Read more »
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    The Frugal Vagabond

  • 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 »
  • Semi-FIRE Abroad: Ordinary Days, Extraordinary Life
    We've been living here in Spain for about four months now, so how is it going? Is it everything we'd hoped for? What do we miss most (and what do we not miss at all)? Just what are we doing with all that spare time? The post Semi-FIRE Abroad: Ordinary... Read more »
  • Obtaining Your Spanish Residency Card (Tarjeta de Identidad de Extranjero)
    How to get your Spanish Residency Card (Tarjeta de Identidad de Extranjero) once you've arrived in Spain. You got your residence visa, now it's time to seal the deal! The post Obtaining Your Spanish Residency Card (Tarjeta de Identidad de Extranjero) appeared first on The Frugal Vagabond.... Read more »
  • How to Get a Spanish Non-Lucrative Residence Visa
    How we were able to live abroad, and how you can too! How to get a Spanish Non-Lucrative Residence Visa and live legally in Spain for a year or more! The post How to Get a Spanish Non-Lucrative Residence Visa appeared first on The Frugal Vagabond.... Read more »
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    The Millionaire Educator

  • FIRE Flashback: Our $15,000 Financial Triple Play
    Nota Bene:  While this post is about our move to Echols County, Georgia back in 2009, it’s still interesting and relevant to anyone contemplating a geo-arbitrage move.  I never got around to putting it on my blog until now…better late than never!  Here’s what I wrote back when our net... Read more »
  • 2019 Summer Update
    Long overdue summer greetings to my dozens of faithful readers!  School has been out for a few weeks now, but I’ve been busy with my new basketball duties.  After a tough (and winless) basketball season and a sudden coaching change, guess who became a head coach again?  Yep, yours truly! ... Read more »
  • VideoHappy National 403b Day?
    Last September at FinCon 2018 in Orlando I was talking with the coolest cat in the cave, my FIRE brother J. Money of Budgets Are $exy, about how to shine some light on the abuses in the K-12 403b marketplace.  After about five seconds of reflection, he said, “Oh, that’s... Read more »
  • Why Your 403b Sucks Beyond Belief
    Welcome back millionaires.  Let me apologize for that insane April Fool’s post extolling the benefits of 403b plans.  Here are my real thoughts on those “benefits.”   Incredible Oversight?  Ha! If you have a 403b plan, brace yourself:  your retirement savings are adrift in the Wild West of the financial services... Read more »
  • 25 Reasons Why the 403b Is the Greatest Retirement Plan Ever!
    Beautiful South Georgia spring greetings to all my millionaire readers!  Even though we had a mild winter, the change of season is more than welcome.  It’s so pretty here this time of year. So far, our move to Statenville, Georgia has been a resounding success.  We love our new home,... Read more »
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    Financial Samurai

  • How AOC And Other Congressional Members Can Afford To Raise Kids In Washington, DC
    There are two things people seem to want more than anything else: money and power. For the sake of money and power, we study like crazy, work like dogs, delay starting families, then abandon our children once we have them, all for these two things that really don’t make us... Read more »
  • How I Convinced My Wife To Continue Working After I Retired Early
    I have a guest post from one of my favorite bloggers, Joe from Retire by 40. Joe is good guy who also happily does his own thing. I’ve known Joe for about 10 years and we live quite similar lives. The main difference is that he was able to convince... Read more »
  • An Inside Look At Communist China: Where Capitalism Is All The Rage
    As soon as Houston Rockets General Manager’s, Daryl Morey, tweeted “Fight for Freedom. Stand with Hong Kong,” the lucrative relationship between the NBA and China began to disintegrate. Given the China market is worth roughly $1 billion a year to the NBA (versus $0 for FS), it was fascinating to... Read more »
  • The Benefits Of Recasting Over Refinancing A Mortgage
    After publishing, The Hardest Mortgage Refinance Ever, a reader asked me whether I’ve ever considered recasting a mortgage instead. My quick answer was no, despite having refinanced multiple mortgages on multiple properties since 2005. I’m all about getting the lowest mortgage rate possible. Recasting a mortgage can be a good... Read more »
  • The Hardest Mortgage Refinance Ever: Key Takeaways
    Praise be to all that’s good in this world! After four months and one week, I finally was able to refinance my primary residence mortgage! My original loan was a 5/1 ARM at 2.5% that began on August 1, 2014, and reset to 4.5% on August 1, 2019. The loan... Read more »
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    Afford Anything

  • mp3#220: Stillness is the Key, with Ryan Holiday
    [smart_track_player url="http://traffic.libsyn.com/paulaandjaymoney/AA220.mp3" title="Stillness is the Key, with Ryan Holiday" artist="Paula Pant" social="true" social_twitter="true" social_facebook="true" social_gplus="true" social_linkedin="true" social_stumble="true" social_pinterest="true" social_email="true" ] In a hectic world, stillness is the key to a calm, enjoyable life. That idea comes from Ryan Holiday, author of Stillness is The Key. Stillness is finding flow, staying... Read more »
  • mp3#219: Ask Paula – How Should I Invest $4,000 Per Month for Early Retirement?
    [smart_track_player url="http://traffic.libsyn.com/paulaandjaymoney/AA219.mp3" title="Ask Paula - How Should I Invest $4,000 Per Month for Early Retirement?" artist="Paula Pant" social="true" social_twitter="true" social_facebook="true" social_gplus="true" social_linkedin="true" social_stumble="true" social_pinterest="true" social_email="true" ] Stella is working toward FIRE and wants to know: how can she create passive income in her retirement years? Is a portfolio with stocks... Read more »
  • mp3#218: Why We’re Irrational with Money, with Kristen Berman
    [smart_track_player url="http://traffic.libsyn.com/paulaandjaymoney/AA218.mp3" title="Why We're Irrational with Money, with Kristen Berman" artist="Paula Pant" social="true" social_twitter="true" social_facebook="true" social_gplus="true" social_linkedin="true" social_stumble="true" social_pinterest="true" social_email="true" ] Kristen Berman is co-founder of Irrational Labs, a behavioral product design company, along with Dan Ariely. She has a fascinating job that involves looking into why people behave the... Read more »
  • The Importance of Using the Toilet Correctly (and Other Things I Learned Last Month)
    When I was 18, I got a full scholarship for a one-month study abroad trip to Japan. At the time, I didn’t have much interest in international travel. But free is free, so I spent a month in Japan during the summer between my freshman and sophomore year of college.... Read more »
  • mp3#217: Financial Independence – My Philosophy and Origin Story, on The FI Show
    [smart_track_player url="http://traffic.libsyn.com/paulaandjaymoney/AA217.mp3" title="Financial Independence - My Philosophy and Origin Story, on The FI Show" artist="Paula Pant" social="true" social_twitter="true" social_facebook="true" social_gplus="true" social_linkedin="true" social_stumble="true" social_pinterest="true" social_email="true" ] Earlier this year, Cody and Justin from The FI Show interviewed me and asked some excellent questions about my journey to financial independence, entrepreneurship and... Read more »
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    Side Hustle Nation

  • 357: Productized Service Coaching: Building a Product Ladder
    You’ve started a business. You’ve created a product or a service. You’re selling it to clients and getting great feedback. That’s great, you’ve overcome so many of the hurdles we face as entrepreneurs. But the next step is finding a way to keep new customers coming through the doors and... Read more »
  • Turo Review: How Renting Out Our Cars Turned Into a Free Tesla
    Have you heard of Turo? Think Airbnb but for cars. This is my review of the Turo peer-to-peer car rental platform, from the owner’s perspective. Over the last 4 months, my husband and I have managed to leverage underutilized cars in our driveway and the Turo platform to get a... Read more »
  • 11 Simple Ideas that Tripled My Business
    Sometimes the simplest solutions are the most effective. This post (and podcast episode) are inspired by my presentation at FinCon last month. I broke my own rule of not seeking out any speaking gigs, and submitted for a breakout session. The idea was a bit of an homage to the... Read more »
  • 91 Side Hustle Jobs to Make Money Fast
    Side hustle jobs are everywhere these days! There are dozens (maybe even hundreds) of different apps that all promise a different way to make extra money in your spare time. In this post, I'll share some of the most popular side hustle jobs, and where you can go to get... Read more »
  • 355: The Dream 100: Stop Building Links and Start Building Friendships
    If you have an online business, chances are you’ve tried your hand at outreach. If you want to expand and grow your business, especially from an SEO standpoint, you need good quality links pointing to your site from other websites. The problem is that getting other sites to link to... Read more »
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    Side Hustle Nation

  • 357: Productized Service Coaching: Building a Product Ladder
    You’ve started a business. You’ve created a product or a service. You’re selling it to clients and getting great feedback. That’s great, you’ve overcome so many of the hurdles we face as entrepreneurs. But the next step is finding a way to keep new customers coming through the doors and... Read more »
  • Turo Review: How Renting Out Our Cars Turned Into a Free Tesla
    Have you heard of Turo? Think Airbnb but for cars. This is my review of the Turo peer-to-peer car rental platform, from the owner’s perspective. Over the last 4 months, my husband and I have managed to leverage underutilized cars in our driveway and the Turo platform to get a... Read more »
  • 11 Simple Ideas that Tripled My Business
    Sometimes the simplest solutions are the most effective. This post (and podcast episode) are inspired by my presentation at FinCon last month. I broke my own rule of not seeking out any speaking gigs, and submitted for a breakout session. The idea was a bit of an homage to the... Read more »
  • 91 Side Hustle Jobs to Make Money Fast
    Side hustle jobs are everywhere these days! There are dozens (maybe even hundreds) of different apps that all promise a different way to make extra money in your spare time. In this post, I'll share some of the most popular side hustle jobs, and where you can go to get... Read more »
  • 355: The Dream 100: Stop Building Links and Start Building Friendships
    If you have an online business, chances are you’ve tried your hand at outreach. If you want to expand and grow your business, especially from an SEO standpoint, you need good quality links pointing to your site from other websites. The problem is that getting other sites to link to... Read more »
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    Accidental Fire

  • T.G.I.F. Friday: Volume 2
    Welcome to “Thank God I’m FI” Friday, Volume #2! Here are some things I really like and that you might too.   Finance Articles What I Love (And Don’t) About Working Part-Time – Jessica from the Fioneers is part time... The post T.G.I.F. Friday: Volume 2 appeared first on Accidental... Read more »
  • Beware The Steady Drip
    On October 10th, 2018 hurricane Michael ravaged the shores of Florida and Georgia.  It caused massive damage, and the death toll was 31.  On that same day, approximately 110 others died in car crashes across the country, and another 120... The post Beware The Steady Drip appeared first on Accidental... Read more »
  • iPhone Fanatics Wait 12 Hours In Line To Delay Retirement
    SAN FRANCISCO, CA – Scores of iPhone fans waited over 12 hours in line at the downtown San Francisco Apple store to secure their delayed retirement.  The excitement was palpable as the sensibly stylish throng affirmed their adherence to a... The post iPhone Fanatics Wait 12 Hours In Line To... Read more »
  • U.S. Median Household Income In 2018 Sets Another Record
    It’s that time of year, the Census Bureau just released the official income statistics for 2018 a few weeks back.  In 2018 the median household income in America was $63,200, the highest figure ever.  From 2017 to 2018, inflation-adjusted median... The post U.S. Median Household Income In 2018 Sets Another... Read more »
  • T.G.I.F. Friday: Volume 1
    Welcome to “Thank God I’m FI” Friday, Volume #1! I’ve been posting on Tuesdays and Fridays since this blog started almost two years ago, and I haven’t missed a post.  Now that my blog has found an audience of a... The post T.G.I.F. Friday: Volume 1 appeared first on Accidental... Read more »
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    Independently Financed

  • The backdoor VAT is an ideological project that must be defeated
    It’s a banality among progressives in the United States to observe that we collect too little in taxes, spend too little on government programs, and consequently enjoy the least-generous welfare state, lowest life expectancy, and worst government services among our peer countries. And this is, as far as it goes,... Read more »
  • California’s AB 5 is about benefits, not wages or unions
    Become a Patron!I’ve been following with interest the development and passage of AB 5, California’s attempt to end the misclassification of employees, especially at app-based and platform companies including household names like Uber and Lyft.What I found is that there’s a high degree of confusion surrounding the need for the... Read more »
  • Job protection, wage insurance, and universal benefits
    Become a Patron!As readers may have observed, I’ve been doing a lot of research lately on paid family and medical leave policies around the country, and I’ve found myself frustrated by the way several different ideas are confusingly and unnecessarily combined. Today I want to spell out the relevant issues,... Read more »
  • How the Republican tax heist surgically targeted businesses in progressive states
    Become a Patron!This post gets pretty deep in the weeds, but it’s an issue that was brought to my attention by someone who works on family and medical leave policy and I was shocked to discover that it may disqualify certain employers from claiming the temporary paid family and medical... Read more »
  • Are there 529 plans so bad they aren’t worth their state’s income tax benefits?
    Become a Patron!A lot of financial planning and advice can start to seem pretty routine over time: maximize contributions to tax-advantaged savings vehicles, invest in a basket of diversified, low-cost assets, and periodically (but not too often!) rebalance.I’m always interested in identifying places where that kind of routine advice breaks... Read more »
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    Mr Crazy Kicks

  • Guest Post at Physician on FIRE
    If you haven’t already seen it, Physician on FIRE is a blog about achieving financial independence while working in the medical field. Even though the blog is focused on challenges facing physicians, the financial aspects are still the same. Work toward … Continue reading → The post Guest Post at Physician... 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 shade of the woods, racing to the top of a mountain to take in a satisfying view. Lately however, I’m less interested in flying up rocks and roots to see the world from afar. I’ve … Continue reading → The post How to Get Started... Read more »
  • Reflecting on Two Years of Early Retirement
    For years, I spent my days waking up early and rushing to wash, dress, and sit in traffic only to sit in a cube waiting to rush home. All that time, I was propped up by dreams of a freer … Continue reading → The post Reflecting on Two Years... Read more »
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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 »





    +

    Slowly Sipping Coffee

  • 70k Challenge Mid-Year Update!
    This year, I did something I’ve never done before. I joined one of those fitness tracking groups that you see a lot of in January and then they fade away by March. Well, not this group, holy hell, this is a year long commitment baby! Yearlong! What did I commit... Read more »
  • We Bought A Money Pit!
    One year ago we bought a money pit, I mean a house in Oklahoma. We were so excited because we were starting our Fully Funded Lifestyle Change, I was quitting my job, and we were moving to the country! Well, we got the country alright. I sit outside and watch... Read more »
  • Chainsaw Replacement: Should I Upgrade?
    Man, with school out, there has been so much going on around here. The kids are home full time, so that hinders me doing a lot out in the yard, but we’ve been having a lot of fun hanging out, playing, and hitting up the pool, museums, and zoo so... Read more »
  • Retirement is Killing My Blog
    Before I quit my job and headed into the great of unknown of being a Stay At Home Dad (SAHD) I had all kinds of thoughts about how this blog could follow along. First of all, I could be different from other bloggers that hit retirement and then faded into... Read more »
  • Time Can Rack up Debts, Just Like Money
    As I wrote in my last post transitioning to a non-work life is hard. I think a lot of what makes it difficult is having all of that unstructured free time and figuring out what to do with it. We all have visions of early retirement and what we would... Read more »
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    zen habits

  • Discipline Challenge: What My Mind Does When I Commit to Hard Things
    By Leo Babauta In the middle of last month, I set myself a 45-day discipline challenge, just to see what my mind would do. I like the idea of pushing myself out of my comfort zone, and so I decided to take on 12 things at once, which is against... Read more »
  • Hundred Little Decisions: Training Ourselves at the Decision Point
    “It is in your moments of decision that your destiny is shaped.” ~Tony Robbins By Leo Babauta Over and over, throughout the day, we make the Hundred Little Decisions: to work on this, to check email, to go to this website, to respond to messages, to grab a bite to... Read more »
  • A Magical Way to Work with Our Habitual Patterns
    “You have Within you more love than you could ever understand.” ~Rumi By Leo Babauta Every day, I work with people trying to shift their habitual patterns: procrastination, avoidance, escape, reaching for comfort foods or other comforts like video games or watching videos, distraction, complaining, lashing out at others, ignoring... Read more »
  • Working with the Heartbreaking Feeling That Something is Wrong with You
    “I found the Divine within my Heart.” ~Rumi By Leo Babauta The most common problem I’ve found in the people I’ve coached and worked with in my programs is a very fundamental problem: Most people have the feeling that something is wrong with them. And it is heartbreaking. Actually, most... Read more »
  • The Awesome Finances Challenge for October
    “You must do the things you think you cannot do.” ~Eleanor Roosevelt By Leo Babauta Many of us know the feeling of turning away from our finances — it’s yet another way we put off dealing with something stressful. Whether it’s looking at our overspending on online shopping, our credit... 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

  • Financial Independence and The Courage To Rewrite Our Narrative
    Changing Our Narrative This last weekend I had the distinct privilege of attending CampFI Southwest in Joshua Tree, California. As per usual, I was blown away by the quality of people who consistently show... The post Financial Independence and The Courage To Rewrite Our Narrative appeared first on DiverseFI.... Read more »
  • What’s Up Next Podcast: Bonus Episode
    What’s Up Next? Paul Thompson and I are proud to release this bonus episode of The What’s Up Next Podcast.  This podcast is an exploration of financial independence and taking the conversation to the... The post What’s Up Next Podcast: Bonus Episode appeared first on DiverseFI.... Read more »
  • What’s Up Next Podcast: Episode 58
    What’s Up Next? Paul Thompson and I are proud to release episode 58 of The What’s Up Next Podcast.  This podcast is an exploration of financial independence and taking the conversation to the next... The post What’s Up Next Podcast: Episode 58 appeared first on DiverseFI.... Read more »
  • It’s Never Too Late
    It’s never Too Late Are you in your forties, fifties, sixties? Feeling like you are behind the eight ball and that financial independence is completely out of your reach? While I might have agreed... The post It’s Never Too Late appeared first on DiverseFI.... Read more »
  • What’s Up Next Podcast: Episode 57
    What’s Up Next? Paul Thompson and I are proud to release episode 57 of The What’s Up Next Podcast.  This podcast is an exploration of financial independence and taking the conversation to the next... The post What’s Up Next Podcast: Episode 57 appeared first on DiverseFI.... Read more »
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    Early Retirement & Financial Independence Community

  • Barclays Trailblazer Index
    DW has an annuity, and she just got a hustle to move some of the funds into this Trailblazers index. I went on line to the Barclay website, and...... Read more »
  • First year retired-Tax Planning
    Hi all, This will be our first year to do taxes as a retired couple. One thing I want to get done is making Roth conversions up to the 22% bracket....... Read more »
  • Which countries for African Safari
    One of the items on our bucket list is an African safari but I'm having trouble deciding which countries we should be looking at. We're considering...... Read more »
  • Disposable Emails
    I used my first disposable email today. Had a burning desire to make a comment (which asked for my email before I could comment) on a TV show I...... Read more »
  • Phone by the minute
    I switched my cell service from AT&T yesterday and am now with Comcast (via Verizon) for $13 a month. :dance: I'm thinking of keeping the old...... Read more »
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    Vital Dollar

  • Trim vs. Truebill vs. Billshark: Which is the Best Bill Negotiation Service?
    Most of us have signed up for free trials of services that seem like a fantastic idea at the time. Unfortunately, in many cases, the free trial ends, and months later that you see a recurring charge on your bank statements. So, you’ve actually been paying for that free trial... Read more »
  • Selling on Poshmark vs. eBay vs. Mercari: Which is Best for Sellers?
    Whether you are looking for a side gig or want to develop your own business, you’ll need a marketplace for your goods and services. Three of the most popular venues for sellers are Poshmark, eBay, and Mercari, so how do they stack up against each other and which one is... Read more »
  • 11 Low-Maintenance Businesses for Extra Income on a Busy Schedule
    One of the most popular topics in the world of personal finance is passive income. It’s not hard to figure out that most people would love to make money with minimal effort, but finding practical and realistic ways to do it can be more challenging. Starting or buying a low-maintenance... Read more »
  • 30+ Websites to Write and Get Paid Instantly
    If you have a flair for writing, why not turn this into an income stream? Whether you want a side gig or are looking to replace your full-time income, there are some great opportunities to get paid instantly for writing content. Freelance writing allows you to do something you enjoy... Read more »
  • Merch by Amazon Review: Make Money by Selling T-Shirts and Apparel
    Merch by Amazon is a print-on-demand division for apparel. You can sell your designs with no upfront costs or investments on the world’s largest marketplace. This includes t-shirts, tank tops, long sleeve t-shirts, hoodies, pop sockets, and crewneck sweatshirts. With the exception of the hoodies, all the clothing can be... Read more »
    +

    Vital Dollar

  • Trim vs. Truebill vs. Billshark: Which is the Best Bill Negotiation Service?
    Most of us have signed up for free trials of services that seem like a fantastic idea at the time. Unfortunately, in many cases, the free trial ends, and months later that you see a recurring charge on your bank statements. So, you’ve actually been paying for that free trial... Read more »
  • Selling on Poshmark vs. eBay vs. Mercari: Which is Best for Sellers?
    Whether you are looking for a side gig or want to develop your own business, you’ll need a marketplace for your goods and services. Three of the most popular venues for sellers are Poshmark, eBay, and Mercari, so how do they stack up against each other and which one is... Read more »
  • 11 Low-Maintenance Businesses for Extra Income on a Busy Schedule
    One of the most popular topics in the world of personal finance is passive income. It’s not hard to figure out that most people would love to make money with minimal effort, but finding practical and realistic ways to do it can be more challenging. Starting or buying a low-maintenance... Read more »
  • 30+ Websites to Write and Get Paid Instantly
    If you have a flair for writing, why not turn this into an income stream? Whether you want a side gig or are looking to replace your full-time income, there are some great opportunities to get paid instantly for writing content. Freelance writing allows you to do something you enjoy... Read more »
  • Merch by Amazon Review: Make Money by Selling T-Shirts and Apparel
    Merch by Amazon is a print-on-demand division for apparel. You can sell your designs with no upfront costs or investments on the world’s largest marketplace. This includes t-shirts, tank tops, long sleeve t-shirts, hoodies, pop sockets, and crewneck sweatshirts. With the exception of the hoodies, all the clothing can be... Read more »