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    Mr. Money Mustache

  • 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 »
  • How I Sold This Website for $9 Million
    Dearest Readers, I’ve been waiting to tell you this with considerable excitement for a whole year, but the sales contract prevented me from doing so until this moment. And as of April 1st, 2019, I’m officially free to reveal that: Mr. Money Mustache has been sold! Yep. I’m not sure... Read more »
  • VideoHow to Create Reality
    So a funny thing happened on Twitter this week, which almost changed the world a little bit. Someone sent me a beautiful 3-D mockup of a fictional, car-free city of 50,000 people, set in the scenic nook of land* between Boulder, Colorado and Longmont, where I live. It came complete... Read more »
  • Four Ways We Can Hang Out
    Hi there. Don’t get too excited, this isn’t a real blog post. But there were enough things worth sharing that I thought it would be worth sending a little mid-month Hello. Life has been busy around here, drunkenly walking that fine line between the zones of “Exciting and stimulating and... Read more »
  • VideoHow To Slow Down Time and Live Longer
    “They sure grow up fast, don’t they?” “The older you get, the faster time flies.” “You can’t slow down time, so treasure your days because they’ll be gone before you know it.” We’ve all heard these thoughts, often from the parents of grown children. If you’re part of the older... Read more »
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    financial independence / early retirement

  • My mother died four weeks ago. Ghostly shenanigans.
    Sorry Mods, I meant to post this to Personal Finance. I have hidden it since I can't delete it. Thank you in advance for any condolences. She was almost 90, and lived a full life. My mom left a small estate of 60K which I and my four brothers and... Read more »
  • When Calculating Savings Rate, should it be post tax and also include 401k?
    How do you guys calculate your savings rate? For me it makes more sense to do post-tax, because it's a given that X% of my income (taxes) will never be seen by me. So for me my calculation is: net paycheck 1 + net paycheck 2 + my 401k contribution... Read more »
  • System to track retirement goal
    I am looking for a software, web/app, or even excel/google sheet that can track my retirement goal. This seems to be a thing a lot of folks in here would want, so I am assuming people are just using something for that. Pretty much what I need is, something I... Read more »
  • ESPP Loan Company
    I thought this company was pretty brilliant. It blows my mind how underutilized ESPPs are. I know this isn't strictly a FI post but thought this group would appreciate it. ​ https://www.bloomberg.com/news/articles/2019-04-24/mom-s-lost-million-spurs-son-to-find-purest-form-of-arbitrage?srnd=premium submitted by /u/StrugglingJob [link] [comments]... Read more »
  • I calculated my FIRE. Here are my results, and now I have some questions. (xpost r/fatFIRE)
    I made an excel sheet that tells me when I will reach my target SWR income based on how much I invest each year, my annual ROI, and an assumption that inflation will stay constant. These were my parameters: - A contribution of $100K to the retirement fund each year... Read more »
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    ChooseFI

  • mp3124 | Dirtbag Millionaire | Chris Mamula
    Chris Mamula, the "Dirtbag Millionaire," describes the mistakes he made on the way to FIRE, the challenges he facing in his early retirement, and the origin story of a book that will outline a Blueprint to financial independence based on the information shared by members of the ChooseFI community. For more... Read more »
  • mp3123R | Hail Mary FI
    Brad and Jonathan give us an update about the "Playing with FIRE" documentary, hail mary FI and how to build an escape route from the corporate hierarchy that doesn't make room for you. For more information, visit the show notes at https://choosefi.com/123R ... Read more »
  • mp3123 | Rich & Regular
    Kiersten and Julien from Rich and Regular talk about the specific challenges that the black community faces on their journey to FI. Recognizing the fact that not everyone starts from the same spot is important, so we are diving deep into the differences today. For more information, visit the show... Read more »
  • mp3122R | Dividend Deep Dive
    Brad and Jonathan are joined by Brian Feroldi and Karsten from Early Retirement Now. With the goal of gaining a deeper understanding of dividend investing, Brad and Jonathan ask the hard questions. As the devil's advocate, they uncover more information about dividend stocks from passionate investors. If you are ready... Read more »
  • mp3122 | Intro To Dividend Investing
    Dividend investing has been a hotly debated topic in the FI community. Brad and Jonathan dive into the details of dividend investing with Craig from Retire Before Dad. For more information, visit the show notes at https://choosefi.com/122 ... Read more »
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    Early Retirement Extreme

  • I’m making laundry detergent
    We ran out of laundry detergent, so I figured I’d give Trent’s formula a shot. Fortunately, I already have all the ingredients, that is, I have borax, which I used mixed with sugar as an ant killer, I have sodium carbonate, specifically “pH Upper”Arm&Hammer Super Washing Soda (discovered at Ace... Read more »
  • Can you wait, think, and fast?
    A quote that is entirely relevant to financial independence: “His goal attracts him, because he doesn’t let anything enter his soul which might oppose the goal. This is what Siddhartha has learned among the Samanas. This is what fools call magic and of which they think it would be effected... Read more »
  • Make your own refried beans
    Here’s how to make refried beans (unit cost: negligible) First you get a 20lbs bag of pinto beans for free at freecycle.org 😉 Second, you take a large bowl and soak the some beans in water all day. Third, you cook them in a pressure cooker. An ordinary pot works... Read more »
  • The rise and decline of the American middle class
    The article, The Coming Fury of an Angry America (via @mymoneyshrugged), explains the predicament of the middle class very well. This further strengthens my resolve not to join the middle class. In my opinion, the middle class has as its fundamental core problem the issue of willingly becoming a single... Read more »
  • Top 5 reasons why sidewalks are not safe
    In this new series of posts I give popular personal finance advise in an easily digestible list format of tips, reasons, things, and so on. I will tell you how you too can be rich, good-looking, or perhaps just plain awesome by adopting these amazing insights which have been developed... Read more »
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    Physician on FIRE

  • Top 5 Factors that Make Financial Independence Easier to Achieve
    How easy or difficult will your quest to achieve financial independence be? The math doesn’t much vary from person to person. You’re going to want at least 25x your future expenses saved up or passive income that exceeds your spending. If you don’t have either, or some combination of both... Read more »
  • The Sunday Best (4/21/2019)
    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 »
  • 7 Great Tax Benefits of Investing in Real Estate
    High-income professionals should focus not only the returns from their investments, but also the after-tax returns. The difference can be huge! For example, 10% or 12% returns sound awesome. But if you are paying tax at a marginal total tax rate of 40% or 50%, now you’ve got returns in... Read more »
  • 5 Tips For Beating Physician Burnout
    Some call it physician burnout. Others focus on prevention, citing physician resilience as an important preventive quality. Some reject those terms in favor of more accurate depictions. Dr. Zubin Damania, a.k.a. ZDogg MD recently produced a video describing the epidemic as the result of moral injury. However you want to... Read more »
  • VideoChristopher Guest Post: The Latest Addition to the WCI Network
    The White Coat Investor Network has expanded! I’m proud to introduce a physician and blogger who is very likely familiar to you, Dr. James Turner a.k.a. The Physician Philosopher. The good doctor commonly goes by “Jimmy,” which conjures up several images, most prominently the one with Jimmy from Good Times... Read more »
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    The Wealthy Accountant

  • High Interest Savings Account Few Use
    Whenever I attend a conference I look for things the crowds miss. The mainstream information is still absorbed, but there always seems to be something most people pass that contains a lot of potential. Last year at FinCon such an opportunity screamed to me. Several companies were offering 5% on... Read more »
  • Finding Under-Valued Stocks
    Jack Bogle gave us the index fund. Warren Buffett has said most people should put their money into index funds.Personal finance bloggers—especially in the FIRE* community—spout "index fund" like it's a nervous tick. And you might have noticed this blog has the same nervous tick.Some are worried about all this... Read more »
  • How to Use this Blog to Earn a Quick $1 Million
    You might notice the bloggers spouting the same gibberish get picked up by mass media outlets while your favorite blog (that had better be this one!) gets nary a mention. The reason for this is people prefer the familiar to an honest answer that could make a real difference.... Read more »
  • When Adding to Your Retirement Plan is a Bad Idea
    Because a lot (most) of your gains are deferred anyway with an index fund and the tax rate is lower when you do sell (compared to traditional retirement accounts) and there are no RMDs or early withdrawal penalties, non-qualified accounts should play a central role in the portfolio of most... Read more »
  • The Benefits and Pitfalls of Tax Outsourcing
    The tax profession is aging. Attracting new people to the profession is difficult because it lacks the glamour of other professions. But sit in any public forum and mention you are a tax professional and you will be inundated with tax questions and offers to take them on as new... Read more »
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    Millennial Revolution

  • Ultrashort Bond ETFs
    Today I’m going to talk a bit about an asset class I recently started using, which are Ultrashort Bond ETFs. The name makes them sound like something that invests in companies that produce extreme board shorts or something, but it’s actually far more mundane. What are Ultrashorts? Remember that there... Read more »
  • Reader Case: Stuck with a Crappy Investment Advisor
    It’s Friday, and you know what that means: time for another Reader Case! Today’s contestant is just starting out, but he’s run smack dab into a problem that we all face when attempting to achieve financial independence: the finance industry. Hi FIREcracker, My wife and I discovered your blog and... Read more »
  • Book Giveaway: Broke Millennial Takes On Investing
      One of best things about early retirement is having the time to read books. Back when I was working, it used to take me a whole month to get through a single book, and even then I’d usually get so distracted I’d just quit a third of the way... Read more »
  • Let’s Go Exploring! Seville, the Birthplace of World Travel
    Nowadays, an around-the-world flight can cost as little as 26,000 miles or $1500 USD and takes less than a week. But back in 1519, circumventing the globe required 3 whole years and cost millions in today’s dollars. But that didn’t stop Portuguese explorer Ferdinand Magellan, who became the first person... Read more »
  • Reader Case: Retiring Early in Florida
    Another Friday, another Reader Case! But before we start, we recently got this wonderful little note from a longtime reader who was featured in a previous Reader Case. I always enjoy these, if for no other reason than just to catch up and see how they’re doing. This reader’s story... Read more »
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    Fiery Millennials

  • Monthly Status Report: March 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 »
  • Surprise! Gwen’s Career Change
    In my soon to be former job, I work closely with top leaders in the Air Force. I’ve come to realize I really miss being in the Air Force, so this seems as good a time as any to announce I’m headed back into the best branch of the United... Read more »
  • A Moving Experience
    I am officially all moved to Washington DC! This time around, I did a kind of hybrid move and boy am I glad I did. I tried out a new company called HireAHelper and I’m pretty sure it’s the only reason my body isn’t 100% of the way dead. This... Read more »
  • Monthly Status Report: February 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 »
  • Affinity Fraud in the FI Community
    I’ve been watching events unfold in the last year or so in the FI Community with some alarm and I can no longer keep silent about what I’m seeing. I hesitated about writing this post, as I try to keep this blog about my experiences on the path to Financial... Read more »
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    Go Curry Cracker!

  • 6 Years of (Nearly) Income Tax Free Living
    The end of 2018 marked the completion of 6 full years of early retirement and world travel. It’s been a fun ride so far… we’ve traveled a bit, had a few good meals, and taken many naps. But how effective have these 6 years been in terms of implementing our tax... Read more »
  • The Go Curry Cracker 2018 Taxes
    It’s April 15th again, time to play with taxes! 2018 is the first tax year under the Tax Cuts and Jobs Act, our 6th tax year as early retirees, and our 1st retirement year paying income taxes. I guess it was good while it lasted… even if it was optional. The... Read more »
  • Front-loading Frugality
    Frugality is a popular concept in the world of retirement investing. A low cost of living has a double benefit – you spend less/save more, and a lower net worth is required to support early retirement. But most people don’t want to live uber-frugally, ourselves included. That’s why we just... Read more »
  • VideoThe Church of Curry Cracker (April Fools)
    Ladies and gentlemen, brothers and sisters, persons of all faiths and creeds, welcome. We are gathered here today in this sacred place to celebrate the birth of a new fellowship, the Church of Curry Cracker. Together, we can overcome life’s obstacles, make the world a better place, and enhance financial... Read more »
  • The Real Death Tax
    The US tax code includes an Estate Tax for inherited wealth. Oligarchs and other opponents of such a tax like to refer to it by a more ominous title, The Death Tax. Ooh, scary. After the passage of the Tax Cuts and Jobs Act of 2017, this tax applies only... Read more »
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    Get Rich Slowly

  • Why financial literacy fails (and what to do about it)
    April is Financial Literacy Month in the United States. This is a pure and noble thing. I think it's great that there's one month each year devoted to promoting smart money habits. That said, it has become increasingly apparent over the years that most financial literacy programs fail. They don't... Read more »
  • VideoKeeping up with the Joneses
    It's always fun when disparate worlds of geekdom collide. Today, for instance, I learned that the term “keeping up with the Joneses” — a popular phrase in the realm of personal finance — actually originated in the funny pages. That's right: “Keeping Up with the Joneses” started out as a... Read more »
  • This blog is now a teenager: Thirteen years of Get Rich Slowly
    Thie middle of April is a Big Deal in my world. The trees have nearly finished blossoming, which means my allergies will soon go away. We're seeing more of the sun, which means the worst of my seasonal depression is behind me. Yesterday, on the 14th, Kim and I celebrated... Read more »
  • Welcome to fifty: My first health scare as a middle-aged man
    Three weeks ago today, I had a major health scare. Because it was Monday, I was at the family box factory. I had just finished running payroll and had taken paychecks out to the shop. I exited the building and *bam* my chest just sort of seized up. “Ouch,” I... Read more »
  • By the numbers: My spending for March 2019
    March was a mixed month in my financial world. I ended March with a slightly higher net worth (up 0.6%) but my spending was the highest it's been this year: $5989.10. Yet, that spending was mostly mindful. I wasn't frittering away money on silly things. If I wasn't buying dumb... Read more »
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    Our Next Life

  • Structure Your Life to Avoid Overspending
    I recently had an experience that offered a sharp reminder: despite years of saving (successfully!) and a year and a half of not blowing our early retirement budget, I'm still a spender at heart. But being a spender rather than naturally frugal doesn't doom you to fail financially. You can... Read more »
  • My Childhood in a Multilevel Marketing Scam
    Today I’m sharing a deeply personal story about my early life that left a lasting impact on how I think about money, but even more importantly, how I think about financial advice. It’s not always fun, but it’s so worth it to dig into our financial past to consider how... Read more »
  • Hard Lessons On the Difference Between Price and Quality
    The choice of whether to buy on the basis of cost first, or on the basis of quality first, is a personal one, and in our case, we tend to go for quality as the first consider and price second. But that approach has taught us some hard lessons, both... Read more »
  • Stop and Spot the Space Invaders // Slowing Down on the Journey
    Part travel story, part advice, about the delightful benefits that come from slowing down and enjoying the present, even if you're still working and saving for early retirement -- maybe especially then! Don't just stop and smell the roses, stop and spot the space invaders.... Read more »
  • You Might Be Underbudgeting for Early Retirement
    After taking a little time off from the blog to promote Work Optional, I'm back with a more detailed post on one of our biggest learnings thus far in early retirement: that you might spend more when you're not working than you think you will. Let's talk about why that... Read more »



    +

    Early Retirement Extreme Forums (est. 2010)

  • Money Questions • Re: Portfolio Charts
    Ah -- got it. That's actually pretty similar to the way it functionally works now even if I personally prioritize things that can be reasonably modeled a ways back in time. Your method of introducing assets just disposes of the error measurement system and does the best it can with... Read more »
  • ERE Journals • Re: brute journal
    E tu, Brute?Statistics: Posted by prognastat — Wed Apr 24, 2019 2:47 pm... Read more »
  • Money Questions • Re: Portfolio Charts
    I was thinking more along the lines of it reflecting history as it occurred, not trying to simulate how it should have been. Have the tool somehow reflect how a real investor could have done. For example, if a certain kind of asset started existing in say, 2010 (bitcoin?), you... Read more »
  • Money Questions • Re: Portfolio Charts
    Yep -- I've already done that. For any current data that doesn't go back to 1970, I replace it with a similar-but-different asset and use an error measurement system that calculates how well the replacement data tracks the desired series in overlapping years. See "Verified vs. Estimated Returns" here: https://portfoliocharts.com/methodology/The... Read more »
  • Money Questions • Re: Portfolio Charts
    Maybe it is time to think about how to get over that limitation of only being able to use data if it goes back to 1970?Statistics: Posted by bigato — Wed Apr 24, 2019 1:56 pm... Read more »
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    Accidental Fire

  • How I Excelled At My Job And Moved Up Faster Than Others
    I sometimes see complaints in the personal finance community that bloggers focus too much on frugality and saving money and not enough on making more money.  There’s an endless number of posts about side hustling out there, but admittedly there... The post How I Excelled At My Job And Moved... Read more »
  • Crippling Student Loan Debt Hampering Millions From Wasting Money At Whole Foods
    WASHINGTON, D.C. – A new report from the Consumer Financial Protection Bureau shows that crippling student loan debt is hampering millions of people from experiencing the joy of wasting money at Whole Foods.  “The numbers keep getting bigger, and there’s... The post Crippling Student Loan Debt Hampering Millions From Wasting... Read more »
  • Your Refund Is An Opportunity Cost
    Tax season is now over and if you get a refund from the government you’ve either already received it or know how much you’re getting. I’ve written before about why getting a tax refund isn’t an optimal financial move.  When... The post Your Refund Is An Opportunity Cost appeared first... Read more »
  • Is It Best To Take The Safe Path?
    One of my favorite professional cyclists retired at the end of 2016.  Had this blog existed then I would have written about it at the time since her story relates to career and finances.  Alas, I’m doing it now.  Evelyn,... The post Is It Best To Take The Safe Path?... Read more »
  • How To Avoid Filing Quarterly Estimated Taxes On Your Side Hustle
    Growing up, I would never have imagined I’d own a business one day.  No one in my family ever had a business, and the mere concept seemed foreign to me.  I was a product of my environment, which was a... The post How To Avoid Filing Quarterly Estimated Taxes On... Read more »
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    jlcollinsnh

  • 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 »
  • Mr. Bogle passes
    Jack Bogle died last week on January 16th. It was a shock to me. It shouldn’t have been, I suppose. He was 89 after all. Not to mention he had his first heart attack at age 31 and a heart transplant in 1996. But still, somehow we don’t expect greatness... Read more »
  • “I wanted the unreasonable”
    Writer. Creator. Mentor. Speaker. Today I want to introduce you to my new friend, Jillian. While I’ve only gotten to know her over these past few months, already I can’t recall exactly how she came to my notice. I had heard of her some time ago, but really didn’t pay... Read more »
  • Happy Holidays! and a bit on Mr. Market
    From my family to you and yours, wishing you a… Wonderful Holiday Season **************************************************** Meanwhile, Mr. Market… …seems not to be in the holiday spirit this year. Unless it is ghosts of corrections past. From a high of ~2941, the S&P 500 is down 474 points (as I write) for... Read more »
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    jlcollinsnh

  • 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 »
  • Mr. Bogle passes
    Jack Bogle died last week on January 16th. It was a shock to me. It shouldn’t have been, I suppose. He was 89 after all. Not to mention he had his first heart attack at age 31 and a heart transplant in 1996. But still, somehow we don’t expect greatness... Read more »
  • “I wanted the unreasonable”
    Writer. Creator. Mentor. Speaker. Today I want to introduce you to my new friend, Jillian. While I’ve only gotten to know her over these past few months, already I can’t recall exactly how she came to my notice. I had heard of her some time ago, but really didn’t pay... Read more »
  • Happy Holidays! and a bit on Mr. Market
    From my family to you and yours, wishing you a… Wonderful Holiday Season **************************************************** Meanwhile, Mr. Market… …seems not to be in the holiday spirit this year. Unless it is ghosts of corrections past. From a high of ~2941, the S&P 500 is down 474 points (as I write) for... Read more »
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    Early Retirement Now

  • A Bond/CD Ladder Toolkit
    A while ago I created a little toolkit to design my own bond and/or CD ladder. With a bond/CD ladder, by the way, I mean holding a portfolio of bonds and/or CDs so the cash flows comprised of maturing CDs/bonds plus interest income exactly matches a specified time series of... Read more »
  • Yield Curve Inversion: Eight Reasons Why I’m Not Worried Yet
    Well, there you have it: The Yield Curve inverted last month. Finally! Starting on March 22 and throughout much of last week, short-term interest rates (e.g., the 3 months bills) yielded slightly more than the bond market bellwether, the 10-year Treasury bond. People in finance and economics view this with... Read more »
  • Passive income through option writing: Part 3
    Back in 2016, I wrote a few posts on trading derivatives, especially options, to generate (mostly) passive income: Trading derivatives on the path to Financial Independence and Early Retirement Passive income through option writing: Part 1 Passive income through option writing: Part 2 I’m still running that same strategy but... Read more »
  • The Yield Illusion (or Delusion?): Another Follow-Up! (SWR Series Part 31)
    Welcome to the follow-up to the follow-up post on the “Yield Illusion.” Again, here’s the context: a few weeks ago, I wrote a post (SWR Series Part 29) on why I don’t believe that chasing higher yields is necessarily a good hedge against Sequence of Return Risk. A very well-received... Read more »
  • The Yield Illusion Follow-Up (SWR Series Part 30)
    Welcome to a new installment of the Safe Withdrawal Series! The last post on the Yield Illusion (Part 29) was definitely a discussion starter! 140 comments and counting! Just as a quick recap, fellow bloggers at Millenial Revolution claim that the solution to Sequence Risk is to simply invest in... Read more »
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    zen habits

  • The Habit of Calm When You’re Feeling Frustrated
    By Leo Babauta Someone recently asked me about getting frustrated when they feel overloaded, and then shutting down or lashing out. “This has been something I’ve struggled with for most of my life. I had an instance today where I could have been more calm and rational about the situation... Read more »
  • The Universal Narrative: When You Feel Unworthy
    By Leo Babauta A little boy was told by his father, from a young age, that he wasn’t good enough. Not in so many words, but through his actions — by criticizing him, yelling at him, hitting him, leaving him. The boy grew up into a man, knowing that he... Read more »
  • A Guide to Letting Go of Stress
    By Leo Babauta We all deal with stress on a daily basis — whether it’s the stress of being busy and overwhelmed at work, having to deal with personal crises, traffic, relationships, health, finances … stress can be a big part of our lives. And stress has some strong effects:... Read more »
  • Focus as an Antidote for Wanting to Do Everything
    By Leo Babauta I have a problem, and I think most people do as well: I want to do everything. OK, not actually every single thing, but I want to do more than I possibly can: I want to do everything on my long to-do list, today I want to... Read more »
  • The Beautiful Mornings Challenge: Create a Sacred Morning Routine
    By Leo Babauta Our days are filled with chaos, busyness and noise — often with very little time for intentional activity, quiet, solitude, mindfulness. But we can intentionally create that lovely, mindful space that we crave. Today I invite you to join me and a thousand others in my Sea... Read more »
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    Frugalwoods

  • My Healthy Oatmeal Pumpkin Bars Recipe + How I Get My Kids To Eat Kale
    Try not to faint. Today I bring you a RECIPE. That’s right. Your pleas, your emails, your notes, your requests have not gone (entirely) ignored. You all want frugal food. Specially, you want MY frugal food. The last time I shared a recipe was January 2015, which was, uh, over... Read more »
  • Reader Case Study: Salud, Dinero, Amor!
    Caroline and her husband Rodrigo are living a rent-free life as house-sitters in the Southwestern United States. However, Rodrigo is from Argentina and the couple would love to live closer to his family–and perhaps run a hostel or bed and breakfast. Come offer your advice to help them along their... Read more »
  • Reader Suggestions: Beauty Routines Of The Frugal And Fabulous
    Today, I’ve gathered sage advice from Frugalwoods readers about frugal beauty routines because I’ve always been stumped by beauty routines. When I turned thirteen, I felt like I should do something to my body in the area of beauty routines using beauty products. What that was exactly remained a mystery. I... Read more »
  • This Month On The Homestead: Maple Trees, Maple Sap, Maple…
    March 2019 The sap is flowing, the sap is flowing! Maple sap, that is. Welcome to a special maple-flavored edition of my This Month On The Homestead series. Today I’ll cover the process of tapping our maple trees, running tubes between the trees, and collecting maple sap. Since I used... Read more »
  • Sunk Costs, Paralysis By Analysis, And Why I Finally Cut My Hair Short
    I cut my hair. A lot of my hair. Most of my hair, in fact. Yes indeed, today I am writing about hair. I will cover other thrilling topics such as the sunk cost fallacy and paralysis by analysis. But mostly, this is a post about my hair. With more... Read more »
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    grumpusmaximus.com

  • Cut the Cord, Drop the Albatross 
    Our children need the tools to be self-sufficient in this world. To get them started, this means clothing, feeding, and teaching them. It also means letting them go.  The post Cut the Cord, Drop the Albatross  appeared first on grumpusmaximus.com.... Read more »
  • Golden Albatrosses Killed Your Golden Goose
    Want to lock in a middle-class lifestyle by middle age? Then you need to get counter-cultural with your spending and saving. Forgo the stupid cars, forget the fancier house, stop paying for worthless colleges, and earn a real life. The post Golden Albatrosses Killed Your Golden Goose appeared first on... Read more »
  • GI(bill)arbitrage
    Did You Catch What I Did There? I’ve invented a new term. Or maybe it’s a word. What do you call a word with parens in the middle of it? Do the grammar police allow such nonsense? Probably not. When I run this article through Grammarly, I bet it will... Read more »
  • Paradigm Shifts
    New Year, Same Goal(s) Happy 2019 everyone! I read somewhere recently that we should make goals and not resolutions at New Year’s, which brings me to the inevitable question: What are your goals for 2019? Since we’ve officially entered the last calendar year that I’ll be a part of the... Read more »
  • The Pension Series (Part 18): Social Security – The People’s Pension
    Waffles and Chicken(shit) I’ve waffled in recent weeks on the need to write a post about Social Security for the Pension Series. On the one hand, since the American form of Social Security pays out in annuity form, it seems like a relevant topic for the Series. Plus, an overwhelming... Read more »
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    grumpusmaximus.com

  • Cut the Cord, Drop the Albatross 
    Our children need the tools to be self-sufficient in this world. To get them started, this means clothing, feeding, and teaching them. It also means letting them go.  The post Cut the Cord, Drop the Albatross  appeared first on grumpusmaximus.com.... Read more »
  • Golden Albatrosses Killed Your Golden Goose
    Want to lock in a middle-class lifestyle by middle age? Then you need to get counter-cultural with your spending and saving. Forgo the stupid cars, forget the fancier house, stop paying for worthless colleges, and earn a real life. The post Golden Albatrosses Killed Your Golden Goose appeared first on... Read more »
  • GI(bill)arbitrage
    Did You Catch What I Did There? I’ve invented a new term. Or maybe it’s a word. What do you call a word with parens in the middle of it? Do the grammar police allow such nonsense? Probably not. When I run this article through Grammarly, I bet it will... Read more »
  • Paradigm Shifts
    New Year, Same Goal(s) Happy 2019 everyone! I read somewhere recently that we should make goals and not resolutions at New Year’s, which brings me to the inevitable question: What are your goals for 2019? Since we’ve officially entered the last calendar year that I’ll be a part of the... Read more »
  • The Pension Series (Part 18): Social Security – The People’s Pension
    Waffles and Chicken(shit) I’ve waffled in recent weeks on the need to write a post about Social Security for the Pension Series. On the one hand, since the American form of Social Security pays out in annuity form, it seems like a relevant topic for the Series. Plus, an overwhelming... Read more »
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    Budgets Are Sexy

  • Using Rental Properties to Pay For Your Kid’s College?
    Using Rental Properties to Pay For Your Kid’s College? Here’s a fun (?) idea for all you real estate investors out there 😉 From a friend of the blog after hearing about my 15 vs 30 mortgage conundrum, which I’ll be updating y’all on shortly… Hey J., Have you heard... Read more »
  • Ode to Pennies
    Ode to Pennies The other day I did something I’m deeply ashamed of. I saw a penny on the ground and I DIDN’T PICK IT UP!!! I don’t know what came over me (my brain told me it was dirty, but I think I was just being lazy?!), so today... Read more »
  • 6 Ways to Avoid The Diderot Effect
    6 Ways to Avoid The Diderot Effect A friend of mine passed me this article on Denis Diderot who I could have sworn we’ve blogged about before, but a quick search told me we hadn’t so I had to make sure we fixed that STAT 🙂 Here’s the article I... Read more »
  • They Can Never Take It Away
    They Can Never Take It Away Today’s a quick tip to remind you that no one can ever take away your accomplishments. Once you’ve done something brilliant – whether in life or career, or even money – it’s yours. Forever. That time you got promoted? You earned it. That time... Read more »
  • Cool Idea: Adding Life Events to Your Net Worth!
    Cool Idea: Adding Life Events to Your Net Worth! A reader sent me that nifty graph up there and thought it was worthy of passing along in case you want to add to your net worth tracking as well 😉 Such a cool idea adding life events to the history,... Read more »
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    The Escape Artist

  • Playing with FIRE : the Director’s story
    For the last year or so, the FIRE community has been eagerly awaiting the release of the Playing with FIRE movie. And last week it finally arrived!  The US premiere was aired at MMM HQ in Colorado to rave reviews from those who were there. Even better…the London premiere of the... Read more »
  • Financial Independence : come for the money, stay to save The World
    Back in 2015, I published a reader guest post called 10 Years Out of The Camp in which “Billy Bow” shared his story and what it had been like to have been financially independent for 10 years. Billy Bow (aka Ian) is a friend and amateur photographer. I follow him... Read more »
  • The BBC vs. FI TV
    Regular readers will be familiar with Chloë, my favourite lesbian friend, stand up comedienne, free thinker and occasional guest contributor to The Escape Artist. The Escape Artist was so impressed with Chloë’s previous guest posts that I decided to offer her a job. What with this being The Patriarchy and... Read more »
  • How the frog gets boiled in the pan…and how you can escape
    As I may have mentioned before, you shouldn’t be wasting your money on “stuff”. But does that mean that all spending is bad? Of course not. I spend money where it has a high return on investment. There is no better investment than your health.  Its strange how much people... Read more »
  • Reader: “I can’t believe I’ve gotten away with having Impostor Syndrome”
    TEA: You may remember The Dragon Queen from her guest post Get Rich…being British?  Well, I got her back to talk about Impostor Syndrome… In my first guest post for TEA, I touched on the chronic stress I felt from my Impostor Syndrome. To re-cap, I referred to it as... Read more »



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    montanamoneyadventures.com

  • By this time next year
    There are lots of things that matter to you. If I asked you to list off the things in your life you care about, it might be a long list. When I coach people, part of my job is to figure out where we need to focus. To sift through... Read more »
  • Should you invest in yourself?
    If you were given 100 pieces of wood to build a boat to take you where you want to go, 1 piece should be directional, right? At least 1 out of a 100 seems reasonable. An oar, rudder, or sail maybe. I can’t tell you how many people will say... Read more »
  • Zig When Markets Zag
    This has been the year of fulfilling the “wouldn’t it be nice if one day…..” list. We have compiled a long list of those over the years. “Wouldn’t it be nice if we could go skiing on great powder days?” Or “Wouldn’t it be nice if we took a little... Read more »
  • The FIRE-y Life with Mr. 1500
    Jillian asked me to do this interview almost two years ago. Then life got busy. Then, it got busier. I kept on telling her I’d complete it in two weeks. And then I wouldn’t. Instead of producing the post, I’d produce more excuses. I suck. However, I do keep my... Read more »
  • Never Forever Home
    It’s always been a dream of mine to build a home. Ever since I was in middle school, I loved architecture and design. When we bought our first house, I decided to dive in and learn as much as I could about construction. But there is one term I’ve never... Read more »
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    Can I Retire Yet?

  • Choose FI: Your Blueprint to Financial Independence
    My last day of work as a physical therapist was Friday, December 1, 2017. The following Monday I sat down to begin work on a book that I’ve felt the need to write for years. For the past 17 months, I’ve been collaborating with Brad Barrett, Jonathan Mendonsa and their... Read more »
  • Staying Strong in Retirement
    Retirement planning exposes some cruel ironies of life. Most young people have an abundance of time and health in their school/training years, but little money to take advantage of these non-financial assets. Most of us enter our adult years with our health as we shift our focus to careers and... Read more »
  • Reasons to Live: Finding Your Purpose after Retirement or Financial Independence
    What, exactly, is the point of retirement? With all our focus on the mechanics of saving and investing, it’s easy to lose sight of the bigger picture. Is financial independence really your goal, or is your ultimate purpose something that lies beyond the dollars, something that wealth enables but doesn’t... Read more »
  • March 2019 Best of the Web
    It’s time for our monthly collection of the best articles from around the internet to help you save more, invest better and retire sooner. We start with a few articles about the advantages of investing for the long term and end with articles that focus on the intersection of family... Read more »
  • Order of Operations for Tax Advantaged Investing
    U.S. tax laws are complex. Spending my time and energy thinking about complicated tax schemes ranks right up there with having dental work done. . . without novocaine. However, mistakes I made early in my career made me realize that totally ignoring tax planning is an expensive mistake. Taxes are... Read more »
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    The Millionaire Educator

  • 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 »
  • Tax Planning: 2019 Free Money!
    Greetings to all my Free Money! tax-planning brothers and sisters.  With 2018 almost over, it’s now time to take a look at our 2019 Free Money! amounts.  (This is by far my most anticipated post every year; it amazes me how many inquiries I get about the status of this... Read more »
  • How We’ll Save $130k in 2019
    If you live long enough, you’ll see many unimaginable and “impossible” things.  Over the course of my lifetime, I’ve seen:  the Patty film, the discovery of the giant squid, the Braves, Cubs, and Red Sox win the World Series, the Saints and Buccaneers win Super Bowls, and even my Davidson... Read more »
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    Independently Financed

  • What would total employer-employee collusion look like?
    Become a Patron!I’ve lately been researching some employer-side tax benefits and binge-listening to an organized-crime-themed comedy podcast, which I’m not going to name because it’s so vulgar that I strongly discourage anyone with a weak stomach or guilty conscience from listening to it (e-mail me if you’re interested), and the... Read more »
  • If you have employees, adopt a written paid family and medical leave policy right now
    Become a Patron!While doing some research for another project, I was reminded that in the CPA Full Employment Act of 2017, Republicans included a tax credit for employers offering paid family leave. Since I have some W-2 income in addition to my Patreon income, I decided to look into it... Read more »
  • Taking the inverted yield curve literally, not seriously
    Become a Patron!Last month, a funny thing happened: the yield on a 10-year US Treasury obligation dropped below the yield on a 3-month Treasury obligation. This bizarre financial market event attracted a lot of attention, even in the mainstream press, because such “yield curve inversions” have historically been correlated with... Read more »
  • Bill Cassidy has the worst paid parental leave plan yet
    Become a Patron!This morning I hauled myself out of bed early to go down to the American Enterprise Institute and listen to Bill Cassidy discuss the outlines of his plan for paid parental leave. The dervishes at AEI already uploaded the video, so you can take a look for yourself,... Read more »
  • So you’ve decided to invest in real estate!
    Become a Patron!Last week over at Travel is Free Drew wrote a very thoughtful post about his experience taking out long-term residential leases and then subletting them for short-term stays through a variety of platforms. The post has a lot of details on the various expenses and complications he encountered... Read more »
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    Slowly Sipping Coffee

  • 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 »
  • VideoTransitions Can Be Rough – Stay Flexible
    “I told Althea I was feeling lost – lacking in some direction.” This lyric by the Grateful Dead has been bouncing around my brain the last 6 months. Why the last 6 months? That’s been the amount of time since I moved from Houston to Oklahoma. The plan was that... Read more »
  • 2018: The Year of the Lifestyle Change
    What a year 2018 was for the SSC household. There was a LOT going on with the kids, the dogs, our house, and most importantly both of our jobs. At the beginning of the year we were designing a house to be built on our property at Canyon Lake and... Read more »
  • It’s Official, I’m Unemployed!
    A LOT has changed since my last post. First of all, I’m unemployed for the first time since I was 16 yrs old! Woohoo! Stay At Home Dad (SAHD) Lifestyle Change is now officially in full swing. Yeah!! As for the rest of what’s been going on, my last post... Read more »
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    Done by Forty

  • Systemic Problems, Individual Solutions
    I've always been a bit of an asshole. While I try my best to be nice, to get along, sooner or later people realize that I'm actually kind of mean.One of the biggest issues I deal with is being fairly intolerant of others' ideas.Specifically, I'm really bad at accepting when... Read more »
  • VideoThinking in Bets about FIRE
    Annie Duke was always one of my favorite poker players. Like everyone else who watched Rounders in the late nineties, I was immediately hooked on Texas Hold'em and the new ESPN shows devoted to the game.  Unlike many of the personalities being promoted in WSOP tournaments, Duke wasn't brash or... Read more »
  • The New and Improved Bond Mortgage Swoop
    Last week, we dreamed up the idea of our mortgage swoop, where we'd pay off our mortgage all at once as soon as our financial independence fund got to $1M plus our mortgage balance. The feedback from readers was a little...mixed. With few in outright support of the swoop, I... Read more »
  • Our Mortgage Swoop
    Ever since we purchased our first home, Mrs. Done by Forty and I have had no idea what to do with our mortgage. When we first got in to personal finance we were against debt of any sort, so we threw every dime we could at our first mortgage, paying... Read more »
  • Who Wants a Fight With No Referee?
    Since we need to have a fresh injustice each day, the Trump administration is rolling back protections on the payday loan industry, because of course they are.I don't know why I am still and continually surprised by this administration, but I am.Why wouldn't they take a look at a situation... Read more »
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    Living a FI

  • Obamacare’s Uncertain Future and The Impact on Early Retirement Planning
    You can’t always believe what candidates running for office say as they slog through their campaigns — gross exaggeration, pandering, and outright lies are to be expected by all involved — but when it comes to Obamacare, surely it is … Continue reading →... Read more »
  • Unloading Guns From A Portfolio
    Quick disclaimer:  I can’t recommend that readers perform the actions I’ve taken, so be aware while reading I’m not suggesting that everyone should follow my lead here. Please don’t, at least not before carefully thinking through the implications. Most people implement alternate … Continue reading →... Read more »
  • Early Retirement Bites
    I quit my job about a year ago. My last day was April 17th, 2015, to be exact. At this point I’ve got close to twelve full months of my new life under my belt.  That’s plenty of data, if you … Continue reading →... Read more »
  • A Return to Work
    Well, it’s not a return exactly.  Not in the ordinary sense of the word. What I’ve actually been doing is reading some of my old anger diary entries.  This feels like entering a time warp leading back to my old life, living out days … Continue reading →... Read more »
  • VideoDefinitely Not Purpose
    Disclaimer.  Yet again, there’s no talk of finances in this one.  Instead I’m discussing some of my post-working life in a very casual, journal-y way.  Additional warning:  It’s intensely personal.  If that doesn’t sound interesting to you, well then, absolutely no worries. … Continue reading →... Read more »
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    Military Guide

  • 3 Easy Steps To Financial Freedom From A Dual Military Family Of Five
    [This post is brought to you by Annabel Monroe. If you’re interested in contributing at The-Military-Guide.com, please see our posting guidelines.] Alright, alright – I said easy steps and it’s true. The steps are simple enough, but it takes discipline and determination to get there. We are a dual active duty... Read more »
  • VA Loan Guide – What You Need to Know About Buying a Home with a VA Loan
    The VA Loan Guaranty program was created during World War II to help military members veterans purchase a home. The program makes it easier for qualifying military members and veterans to purchase or refinance a home using a loan that is guaranteed by the Department of Veterans Affairs. Since World... Read more »
  • “How the FINRA Foundation Military Spouse AFC® Fellowship (and Fate) Found Me”
        [This post is brought to you by Alecia D. Blair, M.S., AFC®. If you’re interested in contributing at The-Military-Guide.com, please see our posting guidelines.]     About six months after having my second child I found myself eager to return to work. It was summer in beautiful Upstate... Read more »
  • Our Retirement – The Spending Smile Of Financial Independence
    Disclosure: This article is part of the Life Uninterrupted campaign sponsored by USAA. The #LifeUninterrupted campaign is designed to help future retirees learn how they can transition into retirement without worrying about financial interruptions. You can receive a free, no-obligation retirement review today by calling USAA. Note: We are receiving a fee... Read more »
  • Military Burial Benefits – How to Apply for Military Funeral Honors
    The average funeral costs somewhere between $7,000 and $9,000 when accounting for all costs. Sadly, at some point in our lives, this will become relevant to all of us. However, as a military member or veteran, you are eligible for military burial benefits when you pass away. In some cases,... Read more »
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    Satisfied Ghost

  • All about I Bonds
    Where do you stash your cash? All of us should have an emergency fund in cash that we can easily access. I’ve used savings accounts like Capital One 360 for years and recently switched some to Ally Bank for an excellent $1,000 bonus they offered last year. Capital One’s money... Read more »
  • Geo-arbitrage: Six months post-move
    Six months ago my family moved from Oakland, in the Bay Area, to Salt Lake City, Utah. We did it for a variety of reasons: Financial. By selling a house that had greatly appreciated in the six years we owned it, we knew we could lower our monthly expenses significantly.... Read more »
  • Re-examining my investing philosophy after a move
    Things have been quiet in the Satisfied Ghost online world lately, because things in IRL have been crazy! Over the last few months we decided to employ domestic arbitrage and moved from our home in the HCOL Bay Area to another state. I’ll detail the decision, process and details later.... Read more »
  • The all-or-nothing world of “Dying for a Paycheck”
    Those in the Financial Independence Retirement Early community work hard. That statement on its own is not much of a surprise for those familiar with the community. Yet it’s counter-intuitive—why do insanely productive and industrious people want to retire young? I think it has something to do with two things:... Read more »
  • Welcome to stock market volatility
    We’re officially in a stock market correction, with  major indices down 10% from their all-time high. This isn’t surprising. I’ve been waiting for a stock market correction for a few years. We’ve been climbing since the financial crisis, and an inevitability of markets is movement. What comes up, must eventually... Read more »



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    Birds of a FIRE

  • Drop App Review: [5,000 Point Drop Referral Code] For Cash Back
    Drop is an app that gives you cash back for spending money on things you already buy! Who doesn’t like free extra money? You can earn money from Costco, Uber, Lyft, Whole Foods, and so many more big brand name retailers. You’ll also get access to special cash back offers.... Read more »
  • The KonMarie Spark Joy Method: You’ll Finally Tidy Your Home
    By now, you’ve probably heard of the KonMarie method either due to the two books Marie Kondo published, or the Netflix series that has set Twitter on fire in 2019. Boy, Netflix really timed that series well, didn’t they? Everyone has New Year’s resolutions on their mind, and many people... Read more »
  • Arcadia Power Review: Free Clean Energy? [$5 Signup Bonus]
    In the era of global warming, being able to purchase clean energy in a simple manner is incredibly important. Enter Arcadia Power with their easy to use REC, solar, and price alert programs that could save you money while creating demand for clean energy! Check out our review of this... Read more »
  • Receipt Hog Review: Worthwhile Grocery Cashback App Or Not?
    Nowadays, there are so many cash back and money making apps! Receipt Hog is another grocery cash back app. There are a ton of mixed reviews for Receipt Hog, so we decided to take a closer look at whether this cash back app is worth it or not. What Is... Read more »
  • 2019: The Year Of Growth
    2018 is over. With it, comes a new year and new goals. Prior to this year, I’d set some random New Year’s Resolution without thinking much of it. 2019 is different though. I’ve thought out, planned, and set the actions I need to do rather than just have goals. I’m... Read more »
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    Afford Anything

  • mp3#189: Ask Paula – How Does My Net Worth Compare to Others My Age?
    [smart_track_player url="http://traffic.libsyn.com/paulaandjaymoney/AA189.mp3" title="Ask Paula - How Does My Net Worth Compare to Others My Age?" 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" ] Julie, age 27, calculated her expected net worth based on the formula taught in the classic personal finance book The Millionaire Next Door. She’s... Read more »
  • mp3#188: The Scientific Secrets of Perfect Timing, with Daniel Pink
    [smart_track_player url="http://traffic.libsyn.com/paulaandjaymoney/AA188.mp3" title="The Scientific Secrets of Perfect Timing, with Daniel Pink" 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 May 1915, a renowned 58-year-old sea captain, Captain William Thomas Turner, made a series of questionable decisions. He was the captain of the Lusitania, a ship with... Read more »
  • VideoHow real estate investing is like traveling ….
    How real estate investing is like traveling .... #1: People assume it's expensive. When most people hear that you either traveled to another country, or purchased a rental property, they have the same response: "How could you afford it?" That's a natural reply from someone who's never dug deeply into... Read more »
  • Six Percent is the New Four Percent
    Today’s article is extra-nerdy. Pull on your Coke-bottle reading glasses and let’s run through a little bit of math. Ready? Let’s go. If you’re retiring on index funds, you might plan your retirement on the 4 percent withdrawal rule. But if you’re retiring on rental properties, you could use the... Read more »
  • mp3#187: The Final Ask Paula: Real Estate Episode!
    [smart_track_player url="http://traffic.libsyn.com/paulaandjaymoney/AA187.mp3" title="The Final Ask Paula: Real Estate Episode!" 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" ] Sarah needs $36,000 per year in living expenses in order to reach FIRE (Financial Independence, Retire Early). She owns several rental properties, and she’s aggressively paying off the mortgages through... 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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    Journey To Launch

  • Episode 94 Tips on Funding and Growing Your Side Hustle with Kara Stevens
    Listen & Subscribe: on iTunes, Google Play, Stitcher, Soundcloud, Google Podcasts, Android Device (This post may include some affiliate links) I am so excited to share this episode featuring Kara Stevens of the award winning site The Frugal Feminista which helps women get their finances in order. We get some firsthand... Read more »
  • Episode 93- DIY & Trade Job Path to Financial Freedom with Tinian Crawford
      Listen & Subscribe: on iTunes, Google Play, Stitcher, Soundcloud, Google Podcasts, Android Device (This post may include some affiliate links) You may think that you need a traditional education to reach Financial Freedom, but on this episode, Tinian Crawford is here to tell us otherwise. He shares with us how... Read more »
  • Episode 92 Affordable Real Estate Investing with Lisa Phillips
      Listen & Subscribe: on iTunes, Google Play, Stitcher, Soundcloud, Google Podcasts, Android Device (This post may include some affiliate links) On this episode of Journey to Launch, I speak to Lisa Phillips on how to get into affordable real estate investing as a way to build wealth. Lisa shares how... Read more »
  • Episode 91 Leveling Up Your Money & Investing with Erin Lowry
      Listen & Subscribe: on iTunes, Google Play, Stitcher, Soundcloud, Google Podcasts, Android Device (This post may include some affiliate links) Investing can seem complicated but Erin Lowry is breaking it down into terms we can all understand. Her new book Broke Millennial Takes On Investing is a beginner’s guide to... Read more »
  • Episode 90 – Four Things You MUST Focus on To Make Financial Freedom A Reality
      Listen & Subscribe: on iTunes, Google Play, Stitcher, Soundcloud, Google Podcasts, Android Device (This post may include some affiliate links) To reach your goals of Financial Freedom and Independence, you have to focus on these four areas; Income, Expenses, Investing (not just in retirement accounts), & Mindset. In today’s episode,... Read more »
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    Tread Lightly, Retire Early

  • Women’s Personal Finance Wednesdays: Week 31 Roundup
    Welcome to another week of the Women’s Personal Finance Wednesdays roundup. I started this series after months of debate because I wasn’t certain I wanted to up the ante and commit to publishing three posts a week. However, now that I’ve started sharing these posts, I’m so glad I started.... Read more »
  • Tread Lightly Q&A On Earth Day
    Happy Earth Day! I had a hard time deciding what to write about today because it feels like such an important one. As you all have probably – hopefully – figured out by now, I’m a little bit obsessed with living a sustainable life (hey, it’s even the name of... Read more »
  • Friday’s Frugal Five (2019 – Week 15)
    This past Sunday, a meetup was scheduled at Gas Works Park in Seattle as part of the Financial Freedom book tour. I don’t remember exactly how the conversation started on Twitter, but somehow it ended with Seonwoo buying plane tickets for the weekend first for himself and then for Moriah... Read more »
  • Women’s Personal Finance Wednesdays: Week 30 Roundup
    Welcome to another week of the Women’s Personal Finance Wednesdays roundup. I started this series after months of debate because I wasn’t certain I wanted to up the ante and commit to publishing three posts a week. However, now that I’ve started sharing these posts, I’m so glad I started.... Read more »
  • A Year Of Tracking No Spend Days (And The Privilege Of Doing So)
    A year and a half ago, I had no budget. And I don’t mean an anti-budget, where I artificially restricted our access to funds by diverting them to our savings account and “paid ourselves first.” I mean that we simply lived by the method of “spend less than you earn.”... Read more »
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    Mr. Free At 33

  • Lacking This One Thing Makes Me Far Richer Than I Appear To Be
    I’m not the richest guy around. Far from it. But with my FIRE Fund worth almost $400,000, and pumping out more than $13,500 per year in dividends, I’m relatively wealthy for a 36-year-old guy. That’s especially true considering the fact that I quit my job at 32. I gave up millions... 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 »
  • You Don’t Have To Be Extreme To Be Extraordinary
    Many of the things I’ve done in my life are pretty extreme. I ate ramen noodles for a year straight. Retired in my early 30s. Moved to Thailand. You know, stuff like that. These aren’t ordinary activities or ideas for most people. They’re extraordinary. And that’s perhaps what makes them... Read more »
  • Expenses For March 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 »
  • 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 »
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    The Happy Philosopher

  • 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 »
  • Water and Fish
    There are these two young fish swimming along, and they happen to meet an older fish swimming the other way, who nods at them and says, “Morning, boys, how’s the water?” And the two young fish swim on for a bit, and then eventually one of them looks over at... Read more »
  • Buy Nothing 2018 Experiment – November Update
    The purpose of doing an experiment is to learn something about yourself, and to see if there is an opportunity for growth or positive change. I started the Buy Nothing 2018 experiment with this in mind. It started with a no clothes challenge, but since I had plenty of clothes... Read more »
  • Searching for Purpose
    I was sitting on a bench just enjoying the beautiful fall day. It was sunny and warm, or perhaps I was warm due to the semi-vigorous bike ride. Every now and then a cloud would briefly cover the sun or a gentle breeze would throw a slight chill in the... Read more »
  • Losing Everything
      Today’s guest post is written by EJ, a physician blogger who writes at Dads Dollars Debts. I reached out to him shortly after I read this post, and asked him to share his story with all of you. Enjoy! THP   So how does one lose all of their... Read more »
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    The Happy Philosopher

  • 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 »
  • Water and Fish
    There are these two young fish swimming along, and they happen to meet an older fish swimming the other way, who nods at them and says, “Morning, boys, how’s the water?” And the two young fish swim on for a bit, and then eventually one of them looks over at... Read more »
  • Buy Nothing 2018 Experiment – November Update
    The purpose of doing an experiment is to learn something about yourself, and to see if there is an opportunity for growth or positive change. I started the Buy Nothing 2018 experiment with this in mind. It started with a no clothes challenge, but since I had plenty of clothes... Read more »
  • Searching for Purpose
    I was sitting on a bench just enjoying the beautiful fall day. It was sunny and warm, or perhaps I was warm due to the semi-vigorous bike ride. Every now and then a cloud would briefly cover the sun or a gentle breeze would throw a slight chill in the... Read more »
  • Losing Everything
      Today’s guest post is written by EJ, a physician blogger who writes at Dads Dollars Debts. I reached out to him shortly after I read this post, and asked him to share his story with all of you. Enjoy! THP   So how does one lose all of their... Read more »
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    The Frugal Vagabond

  • 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 »
  • Our New Adventure Begins
    A few days ago, we revealed that we’d be taking a sabbatical year to live abroad. It’s the culmination of years of dreaming and many months of planning, but in the very near future, we’ll be living abroad and exploring… The post Our New Adventure Begins appeared first on The... Read more »
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    Retire29

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



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    Financial 180

  • 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 »
  • Early Retirement Fun!
    It's been 250 days since I quit my stressful job in software engineering to dip my toes in the early retirement waters, so I wanted to give you an update on post-retirement life. First, some big news: I was one of the winners of the FinCon scholarship program this year! If... Read more »
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    DiverseFI

  • Duped and Delayed
    Duped and Delayed I frequently use JL Collin’s phraseology and say that there is a simple path to wealth. Maybe not all Americans can end up at financial independence, but a solid core can.... The post Duped and Delayed appeared first on DiverseFI.... Read more »
  • Hung Up On Returns?
    Hung Up On Returns? Are we hung up on returns? I often wonder that as I listen to the arguments for and against different investment classes. Index funds vs stock picking. Owned real estate... The post Hung Up On Returns? appeared first on DiverseFI.... Read more »
  • What’s Up Next Podcast: Episode 28
    What’s Up Next? Paul Thompson and I are proud to release episode 28 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 28 appeared first on DiverseFI.... Read more »
  • Side Hustle Pullback
    Side Hustle Pullback I have always been a staunch supporter of side hustles. It is safe to say that in the past I have had a ridiculous love affair. This amorous relationship has spanned... The post Side Hustle Pullback appeared first on DiverseFI.... Read more »
  • Confirmation Bias
    Confirmation Bias It sometimes sounds so easy. Read a blog. Listen to a podcast. Lickety split. The picture is always the same. A primer on how to maneuver through life with minimal road blocks.... The post Confirmation Bias appeared first on DiverseFI.... Read more »
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    Vital Dollar

  • The 10 Best Apps That Pay You to Walk
    Walking is a part of everyday life, so wouldn’t it be great if you could get paid for doing it? You may be surprised by the number of apps that pay you to walk. In this article we’ll take a look at ten of the best options. If you get... Read more »
  • 30+ of the Best Weekend Jobs to Make Extra Money
    If you’re looking to make some extra money on top of a full-time job or a busy schedule, a weekend job may be the perfect solution. Here you’ll find details on the best weekend jobs that will help you to make extra money without interfering with your existing responsibilities. Some... Read more »
  • 7 Important Ways You Should Not Follow the Crowd Financially
    Many Americans are in pretty bad shape financially. In fact, the statistics can be pretty shocking. “Nearly half of all working-age families have zero retirement account savings,” and the median family has only $5,000 saved for retirement (source). 57% of Americans have less than $1,000 in their savings accounts (source).... Read more »
  • What Can I Sell? 30 Options When You Need Money
    When you need to make money quickly, one of the best options is to sell something. Depending on what you’re selling and how you’re selling it, it’s possible to make money today. If some quick money sounds good, you may be wondering “What can I sell?” This article suggests 30... Read more »
  • How to Convert a Blog or Website from Active Income to Passive Income
    “Start a blog and make passive income.” You’ve probably seen that message a lot, right? While I agree that blogging can be a great way to make money online (it’s been my main source of income for more than 10 years), in general, I don’t consider blogging to be passive... Read more »
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    Your Money Geek

  • 7 Ways to Make Money Fast, Quick, and in a Hurry!
    How to Make Money Fast Today! One of the most common questions I hear is, how to make money fast? Maybe you’re faced with an unexpected home repair, or your car decided to call it quits and now you’re in the need for some extra cash quick, fast and in... Read more »
  • How to Hire a Plumber That Won’t Rip You Off
    How to Hire a Plumber That Won’t Rip You Off Finding a qulity plumber in a pinch can be difficult. No one wants to pay a plumber their hard-earned money, to find the plumber is a con artist or never finishes the job. Everyone wants satisfied service and to avoid... Read more »
  • How The Solar Tax Credit Makes Renewable Energy Affordable
    All About The Solar Energy Investment Tax Credit The solar energy investment tax credit (ITC) has been a major driver of renewable energy uptake across the U.S. since its origination in 2006.  Extended two times and reshaped in 2015, the 30% federal ITC is one of the most important federal... Read more »
  • How to Save Money with Renewable Energy
    Renewable Energy: Green Investment and Passive Income When I started my career as an advisor, I was fresh out of college, full of idealism, and on a mission to change the world. I hoped to create a niche out of socially responsible and green investing; little did I realize the... Read more »
  • Why You Should Be Watching Black Summer on Netflix Right Now
    Why You Should Be Watching Black Summer on Netflix MY BLACK SUMMER REVIEW 99% SPOILER FREE Are you a Zombie fan? Do you enjoy watching shows and movies about Zombies? If your answer is “yes”, “maybe”, “sometimes” or “I am more into horror than Zombies” then Black Summer is a... Read more »
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    Your Money Geek

  • 7 Ways to Make Money Fast, Quick, and in a Hurry!
    How to Make Money Fast Today! One of the most common questions I hear is, how to make money fast? Maybe you’re faced with an unexpected home repair, or your car decided to call it quits and now you’re in the need for some extra cash quick, fast and in... Read more »
  • How to Hire a Plumber That Won’t Rip You Off
    How to Hire a Plumber That Won’t Rip You Off Finding a qulity plumber in a pinch can be difficult. No one wants to pay a plumber their hard-earned money, to find the plumber is a con artist or never finishes the job. Everyone wants satisfied service and to avoid... Read more »
  • How The Solar Tax Credit Makes Renewable Energy Affordable
    All About The Solar Energy Investment Tax Credit The solar energy investment tax credit (ITC) has been a major driver of renewable energy uptake across the U.S. since its origination in 2006.  Extended two times and reshaped in 2015, the 30% federal ITC is one of the most important federal... Read more »
  • How to Save Money with Renewable Energy
    Renewable Energy: Green Investment and Passive Income When I started my career as an advisor, I was fresh out of college, full of idealism, and on a mission to change the world. I hoped to create a niche out of socially responsible and green investing; little did I realize the... Read more »
  • Why You Should Be Watching Black Summer on Netflix Right Now
    Why You Should Be Watching Black Summer on Netflix MY BLACK SUMMER REVIEW 99% SPOILER FREE Are you a Zombie fan? Do you enjoy watching shows and movies about Zombies? If your answer is “yes”, “maybe”, “sometimes” or “I am more into horror than Zombies” then Black Summer is a... Read more »