+

    Mr. Money Mustache

  • The Margin Loan: How to Make a $400,000 Impulse Purchase
    So, I kind of just bought the house next door to me. This is already somewhat amazing, for a small-town boy who refuses to even buy himself a new car.  But even stranger are the details that surround this deal: I’m not moving into it. I don’t really need or... Read more »
  • Poisoned Just Enough: Why I’m so Optimistic About 2021
    A close friend of mine was diagnosed with cancer this year. It was the serious kind, where you need to treat it quickly and aggressively or it will spread through your body, stick to all of your organs, and kill you. The diagnosis was a shock to my friend and... Read more »
  • Two Years Without Health Insurance (and What I’m Doing Now)
    Two years ago, I was unsatisfied with my options for health insurance. The premiums were rising even as the quality dropped in the form of an ever-increasing deductible. I am guessing that you might feel the same way these days – most of us Americans are in the same boat.... Read more »
  • The Man Who Retired at 27: Why You Should Consider House-Hacking
    Way back in the olden days, people used to be amazed at my life story. I was “The Man Who Retired at 30”, and it was so unusual that it would show up in news headlines all over the place.  Thankfully, this is no longer such a surprising story. The... Read more »
  • VideoSocially Responsible Investing: Is It Also More Profitable?
    Since the Dawn of Mustachianism in 2011, the same question has come up over and over again: And in these nine years since then, the movement towards socially responsible investing has only grown. Public pension funds have started to “divest” from oil company stocks, and various social issues like human... Read more »
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    financial independence / early retirement

  • Roth ira vs traditional ira vs rollover
    Thinking about buying a specific stock 💎🖐 when the stimulus hits and would like some basic information on the pros and cons of a long term savings account submitted by /u/RepresentativeTax125 [link] [comments]... Read more »
  • Mega Backdoor Roth, In-Plan Conversions
    This might be old news for a lot of you, but I just learned it and wanted to share in case anyone else wasn't aware. Most of us are familiar with the Mega Backdoor Roth, where you can contribute up to $38,500 (2021, with no employer matching) to an after-tax... Read more »
  • Retiring in Thailand
    Does anyone here either A. have experience doing this yourself? or B. Know others that have done this? Pros? Cons? Factors that weren't expected? submitted by /u/iExtrapolate314 [link] [comments]... Read more »
  • Six Year Update - The Seven Figures Edition
    TLDR - Net Worth and Income charts. I've been posting my family's net worth updates annually on this subreddit for many years (see 2015, 2016, 2017, 2018, 2019, and 2020 updates); I find sharing my plans and progress to be helpful for giving myself a heading check, and hope this... Read more »
  • Daily FI discussion thread - Saturday, March 06, 2021
    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 »
    +

    Early Retirement Extreme

  • How to deal with heat
    Dealing with heat is far worse than dealing with cold because you can not just put more clothes on. Now, one could just switch on the A/C, but there are also ways to avoid this by taking advantage of the environment rather than ignoring it or working against it. In... Read more »
  • Inexpensive bean spaghetti sauce
    It is possible to budget on $150/month (2 adults in California) for food without resorting to coupon-food(*). I generally do that by switching between 3 or 4 different meals which also serve as mutual ingredients in each other—this completely avoids leftovers. (See chapter 5 of the book for the general... Read more »
  • How to fix a broken thermostat
    I am increasingly appreciating the concept of appropriate technology. The story begins with us being unable to switch the rear furnace (our RV has two 12V/LPG driven furnaces. The front furnace heats front half + bathroom and the rear furnace heats the bedroom. From my perspective, the furnace is a... Read more »
  • Subscribe to the forums
    I burned a feed for the forums so you can subscribe via RSS (google reader et. al). Lots of good info there. They include topics I don’t normally cover on the blog, such as specific countries, which states are best for early retirement, careers, etc. You don’t need to register... Read more »
  • “You should value experiences over stuff”
    To which I say: “Bah humbug!” Different strokes for different folks. According to my favorite theory in the world, the MBTI, a person’s highest values is a function of the personality type. They are Rationals: Competence and autonomy Idealists: Principles and relationships Guardians: Status and security Artisans: Spontaneous fun and... Read more »
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    Go Curry Cracker!

  • Reflections of 2020 – Procreation, Pandemics, and Politics, Oh My
    2020 was our 8th full year of “retirement.” While much of the world seemed a bit more chaotic than usual, we were fortunate to be largely sheltered from any abnormality. We had a pretty good year – we started with a big ski trip to Japan (Jr’s 1st), traveled a... Read more »
  • GCC Business Review 2020
    2020 was our 8th full year of life beyond work. After all this time I still feel it is pretty nice. This year was a bit more disorganized than most, simply because the year was more chaotic – a global pandemic and the birth of our 2nd child may have... Read more »
  • Scared to Death of Early Retirement, No More. An Update.
    {GCC – Since publication 6 years ago of the widely popular financial review for ‘The Bobs’ , people have inquired on social media, email, blog comments, and even in person, “Where are they now? Please tell us how it turned out!” Not wanting to let you all down, I asked... Read more »
  • Happy Holidays!
    Happy winter solstice, Merry Christmas, and Happy New Year to all of you fellow financiers and adventurers-in-place. And Happy Hanukkah! Happy Kwanzaa! Happy Diwali! Happy Festivus! Seasons Greetings! This was our 8th full year of post-work life. 2020… man, what a year. We started the year on the ski slopes... Read more »
  • Award Travel Series: Your First Five Credit Cards
    Advertiser Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Opinions, reviews, analyses... Read more »
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    1500 Days to Freedom

  • Home Sale: Mortgage Post-Mortem
    Mindy and I just sold our old home. It had been a rental, but the numbers didn’t work well. We earned less than $3,000/month on a $600,000 home. We weren’t close to the 1% Rule. Hell, we weren’t even at the .5% rule. If we had pursued our original plan... Read more »
  • January 2021: Up $236,821
    My main goal* was to build an investment and cash portfolio of $1,120,000* ($1,000,000 to retire on and $120,000 to pay off the house) in 1500 days**, starting from 1/1/2013 and ending in February of 2017. I made my goal in 2016, my 1500 Days are over, and I’ve left my job. In the interest of... Read more »
  • April 2022 Won’t Happen
    Our lives have been pretty crazy lately. With the explosive housing market and the tenants moving out of our rental, Mindy and I thought it was a good idea to put the home on the market. We did that in January and had multiple offers within 48 hours. At the... Read more »
  • The Ultimate Frugal Valentine’s Day Guide
    The most romantic day of the year is upon us! Valentine’s Day! What’s more romantic than waiting 90 minutes for breadsticks at your local Olive Garden while risking exposure to a communicable disease? Pretty much everything! But I digress. V-Day isn’t easy. Expectations, hormones, and date budgets go into overdrive.... Read more »
  • The Difficult Path To Wealth
    A man who carries a cat by the tail learns a lesson he can learn in no other way. -Mark Twain Whenever the stock market takes a big dump, I feel a little giddy. Mindy and I are still in the saving part of our lives (she works, I don’t... Read more »
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    Millennial Revolution

  • Reader Case: No Degree. No Problem.
    Going through the reader cases in our inbox today, this one immediately caught my eye. Specifically, because of this sentence: “it may expand some reader’s horizons and remove the stigma towards tradespeople”. As someone who grew up being taught under no circumstances should I ever consider getting a certificate in... Read more »
  • Is It Time To Buy a Condo?
    This pandemic has really done a number on the housing market. Busy metropolitan cities like New York, London, and Madrid that were previously red-hot became radioactive as the pandemic shut downtown cores down. The closing of amenities like cafes, restaurants, and gyms and the shift to remote work made thousands... Read more »
  • How to Negotiate Rent Part 2
    Following my last post on negotiating rent on a new place, here’s how you negotiate rent on your existing place: Do you pay rent on time? Take good care of your rental? Don’t nitpick on every light bulb that needs to be changed and bombard your landlord with endless demands?... Read more »
  • Reader Case: Dentist in Debt
    Gross/net annual income – ~$125000 USD. I recently got a job in the public sector, but am hoping to get a part time job in the private sector to supplement my income. Monthly spending Rent – 1225 (just moved to a cheaper place. I live in PDX.) Disability Insurance – 216... Read more »
  • How to Negotiate Rent
      “Toronto Rents are Down a Whopping 20% Since Last Year”  “San Francisco’s 35% Plunge in Rents Shows Effects of Tech Fleeing City” “Manhattan Rents Drop To 10-Year Lows”   One of the (very few) bright spots of the pandemic is the precipitous fall of rents in big cities—places where... Read more »
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    Can I Retire Yet?

  • How Much House Can You Really Afford?
    Google “How much house can I afford?” and you’ll be awash in a sea of mortgage lenders. This is the mindset that younger people and the average consumer must take when it comes to buying a home: How much will a financial institution loan to me? And many, sadly, make... Read more »
  • February 2021 Best of the Web
    I was originally attracted to this blog by Darrow’s consistent focus on the things that really matter. It helped me to improve my financial situation and use my money to live my best life. Like many of you, I’ve gotten sucked into articles, podcasts, social media posts, etc. this month... Read more »
  • Do High 401(k) Fees Outweigh Benefits of Participating?
    Work sponsored retirement plans including 401(k), 403(b), Simple IRA, or Thrift Savings Plans have several key features that make them valuable tools to save for retirement. They provide an easy way to automate investment contributions, free money via employer matches, and potentially lucrative tax benefits. What’s not to like? In... Read more »
  • Do You Need Good Luck to Achieve Financial Independence?
    Do you need to be lucky to achieve financial independence and retire early (FIRE)? A popular narrative says you do.  Emma Pattee expressed this point of view in a recent article. I found it when it was shared and praised on social media. Pattee achieved financial independence in less than... Read more »
  • Case Study: Retiring Before a Stock Market Crash
    After recently disclosing my portfolio voyeurism, a reader, J.C., sent me an email sharing his financial information. He’s been tracking his numbers with great detail since December 2007. He retired just months before the financial crisis. His portfolio dropped nearly 39% between years end 2007 and 2008.  He withdrew over... Read more »
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    Root of Good

  • January 2021 Early Retirement Update
    Y'all still having fun out there? At this point of the year we are officially more than half way through winter. Spring is just around the corner! Here in North Carolina, January was more wet than cold for us. Although we did get a light dusting of snow that lasted... Read more »
  • December 2020 Early Retirement Update
    2020 is (finally) over. What to say? Overall it was a pretty good year for us. The complete lack of traveling wasn't great. Wearing masks is no fun. But we persevered and survived and got to enjoy another year of early retirement.  In December, we enjoyed the moderate North Carolina... Read more »
  • November 2020 Early Retirement Update
    Well folks, we've almost made it through 2020! Thanksgiving is over and the Christmas/New Years holidays are rapidly approaching. Even though the way we celebrate these holidays will likely look different this year, they are always something I look forward to.  In November, we were able to get outside a... Read more »
  • October 2020 Early Retirement Update
    Happy November! With Halloween behind us and Thanksgiving just around the corner, life is pretty fun right now. The weather here in North Carolina is beautiful this time of year with generally cool nights and pleasant days. And the leaves on the trees grow more vibrant each day.  We did... Read more »
  • September 2020 Early Retirement Update
    Another fun month has flown by! Mrs. Root of Good and I should be driving through Northern Spain right now. Instead, we are keeping busy here in North Carolina while enjoying this wonderful fall weather. The kids are busy with virtual school during the days. Evenings and weekends are pretty... Read more »
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    Frugalwoods

  • Littlewoods’ 3rd Birthday and Other February 2021 Expenses
    Evidently February is a short and boring month. We didn’t buy anything interesting or story-worthy or unusual. So instead of talking about what we DID buy, I’ll talk about what we didn’t buy. Littlewoods’ Birthday Littlewoods, so named as the littlest Frugalwood, turned three in February! And what you won’t... Read more »
  • This Month On The Homestead: Bonfires In The Snow and Leisure Cilantro
    January 2021 We are in the season of snow every day. Maybe a lot, maybe a trace. There’s no forecast to tell us what’ll happen: we look outside, we bring in more fire wood. It dips into single digits every night and still, we go outside every day. We hike,... Read more »
  • Reader Case Study: Looking to Leave LA?
    Kate is 30 and lives in LA with her kitten Cashew. She works in payroll at a university, which is a stable job with great benefits and low stress. As she approaches the five-year mark in her current position, she’d like to examine her options for moving to a lower... Read more »
  • Reader Suggestions for a Wallet and COVID-safe Valentine’s Day
    I am not usually a Valentine’s Day type of person. It’s a commercialized, chintzy, kinda made-up holiday. I even once wrote a screed on why it’s dumb: A Frugal Weirdo’s Anti-Valentine’s Day Manifesto. But let me tell you, this year, I am ON BOARD. Sign me up for ALL the... Read more »
  • Fruit Trees And Other January 2021 Expenses
    We’re planting a pear, peach, apple and elderberry orchard this spring! Because why not. In a year (two years?) of unrest and insanity, why not plant an entire fruit orchard. We have a long-standing goal of expanding the perennial foods we grow and this’ll be our latest and largest undertaking.... Read more »
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    JLCollinsnh

  • Mariah International: All that glitters…
    This… Is in here… All this excitement surrounding GameStop of late has made me a bit nostalgic. It brings back memories, although not necessarily good ones. Still, time passes, wounds heal and we can look back on our foibles with perspective if not humor. Nothing is more intoxicating than picking... Read more »
  • Season’s Greetings!!
    Before the day slips away I just wanted to take a moment to wish you and yours….   A very  Merry Christmas  and a  Wonderful Holiday Season   Here’s to a  Happy, Healthy(!) and Prosperous New Year!     The post Season’s Greetings!! appeared first on JLCollinsnh.... Read more »
  • How to give when you have a business
    A few years back, three very different things happened and, to the best of my recollection they didn’t happen all that close together.  First, in 2012, I wrote the post How to Give Like a Billionaire. In it I described how to use Donor Advised Funds (DAF) to maximize your... Read more »
  • Investing with Vanguard for Europeans: 2020 update
    Please Note: If you are outside Europe and the US, please be sure to read thru the comments on the original of this post. They have become a valuable forum for investors from all over the world. Who knew? Certainly not I. This all started when I wrote a series... Read more »
  • Part XVII-B: ETF vs. Mutual Fund — What’s the difference?
    While I touched on it in Part XVII, the differences between ETFs and Mutual Funds is a recurring question here. Perhaps I should have covered it better. Let’s do that now. We’ll use VBTLX and its ETF version, BND, as examples since those were my choices in my most recent move.... Read more »
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    Mr. Free At 33

  • This Dividend Stock Just Announced A Mammoth 20.5% Dividend Increase
    The dividend growth investing strategy has totally changed my life. What’s this strategy all about? Well, it’s about investing in world-class enterprises that pay reliable, rising cash dividends to shareholders. I want to tell you about three recent dividend increases by dividend stocks that may have given a big boost... Read more »
  • How To 4x Your Next $1,400 Stimulus Check With These 2 Investments
    Looking to invest your next stimulus check? Would you like to triple, quadruple, or even quintuple your $1,400? Want to also collect safe, growing passive income along the way? I know of two investments that could potentially quadruple your money. For more on these two high-quality dividend growth stocks, check... Read more »
  • 3 Stocks To Own Under President Biden For Dividend Growth Investing
    A new sheriff’s in town. President Biden’s regime is just now getting started. What does this mean for investors? What does this mean for our money? For more on three high-quality dividend growth stocks that look especially attractive under President Biden, check out our latest video HERE. What do you... Read more »
  • This Dividend Growth Stock Just Crushed Earnings (And It’s Cheap Right Now)
    Would you like to add some certainty to your portfolio? Want to know about a stock with a business model that’s almost guaranteed? Like the idea of collecting market-beating dividend income that’s safe and growing? This stock offers all of that – and then some. For more on this high-quality... Read more »
  • Undervalued Dividend Growth Stock Of The Week
    Every Sunday, I uncover a high-quality dividend growth stock that appears to be undervalued. These pieces are published at Daily Trade Alert, which is a site that focuses on dividend growth investing, stocks, and unique investment opportunities. I’ve been writing for them for years now, and they’re just great over... Read more »



    +

    The Wealthy Accountant

  • Money Lesson You Forgot to Teach Your Children
    Here is what I said to Brooke, "Do you know what unconditional love is?" She nodded. "Well, mom, Heather and I love you unconditionally. We love you and will never stop loving you. Ever! I know we work hard to be frugal and save and invest. But this is why.... Read more »
  • Bill Gates, Elon Musk and Books for Success
    The books the most successful people alive today recommend might surprise you. Elon Musk mentions The Lord of the Rings and Douglas Adams's Hitchhikers Guide to the Galaxy more than once when listing must-read books.  These books might seem like strange choices, but when you think about it these and... Read more »
  • Deduct Work Expenses When Working From Home
    The timing could not have been worse for remote workers. The Tax Cuts and Jobs Act of 2017 nixed the deduction for work from home expenses and other unreimbursed employee business expenses.  Prior to the TCJA it wasn't the best deduction in the world either. You had to itemize to... Read more »
  • 5 Things Millionaires Spend On
    When it comes to the blogs and other tracts providing information on building wealth, frugality carries most of the weight. And it makes sense. The greater the difference of income over spending is a strong determinant of the level of wealth an individual will achieve during their lifetime as compared... Read more »
  • The Financial Agony of COVID-19: Part II
    Five months ago COVID-19 was just getting started. Fear was rampant. People and businesses made rushed decisions with long-term consequences. In the U.S. fewer than 10,000 people had died from the virus, yet fear was many more would die.  Over concerns clients and readers (that is you my kind friends)... Read more »
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    Our Next Life

  • Retire Early Without Harming Others // A Hard Look at FIRE and Racial Inequality
    My last post was about how the discourse of the FIRE community upholds systemic racism, but today's is much more personal. This is about how our choices as individuals -- as investors, as people choosing where to live, as earners, as tax payers and as charitable givers -- impact and... Read more »
  • How the Personal Finance Sphere Upholds Systemic Racism
    It's deeply uncomfortable for a lot of us, white Americans especially, to talk about race. But if we care about helping people with their finances, or about not upholding systemic racism built into our system, we have no choice but to talk about it. Here is the tough but necessary... Read more »
  • Recession, Coronavirus and the Future of FIRE
    We're in an unprecedented moment in history, with people staying home, businesses closed, stock markets going for a wild ride, and most of all, fear for our lives as the coronavirus pandemic worsens. What does all of this mean for the FIRE movement? What does it mean for you? Read... Read more »
  • Doing the Thing That Scares You
    One of the biggest things I've discovered in the last year is how badly I still want to be challenged despite having left my career behind. In fact, I want it so badly that I'm having to redefine what "challenge" even means to me. A real challenge involves some risk,... Read more »
  • Two Years of Early Retirement // Impact, Lessons and Future Changes
    It's exactly two years since we waved goodbye to our careers and embarked on our early retirement, what we always thought of as our next life. Now we're reflecting on what we've learned and accomplished in these first two years of this next chapter of life, along with what we... Read more »
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    Fiery Millennials

  • Death Pledge R Us
    Gwen goes into the details of why and how her and her partner decided to buy a house toget... Read more »
  • Monthly Status Report: January 2021
    Gwen goes over her monthly status report for January 2021 to detail her spending, saving, and retirement budgets.... Read more »
  • 2020 Goals Recap and 2021 Resolutions
    Gwen reflects on the goals she set in 2020 and the theme and resolutions of 2021.... Read more »
  • Year in Review: 2020
    Huzzah! We are done with 2020! What a huge relief. In some ways, 2020 was a great year for me. It was also simultaneously a horribly wretched year at the exact same time. The first few months of the year were off to a fantastic start. I started getting settled... Read more »
  • Monthly Status Report December 2020
    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 »
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    Early Retirement Extreme Forums

  • ERE Journals • Re: What I Spend
    I recently read Goodbye, Things.My post-work decompression must be progressing, because I spent the better part of today sorting the basement. There was a surprising amount of easy stuff - empty boxes, old papers, etc. The bigger challenge is items I still like, but stopped using. Cool stuff like:Playstation 3Original... Read more »
  • Resources & Recommended Reading • Re: Resources and recommend watching
    i just finished watching "eating animals"https://www.imdb.com/title/tt2180351/goddamn...Statistics: Posted by Alphaville — Sat Mar 06, 2021 7:31 pm... Read more »
  • Lifestyle Questions • Re: Purchasing a new laptop
    A few month ago, I even had an Java app that I couldn't open on my newer Macbook that opened without problem on the iMac... YMMVah! you use photoshop... was it gimp? i stopped using java long ago over security concerns...Statistics: Posted by Alphaville — Sat Mar 06, 2021 6:51... Read more »
  • ERE Journals • Re: CDR's Journal
    January 2021 Finance Update:Savings Rate: 81.19%I spent significant amount of money on repair parts for the broken PS2 Controllers. I also had some dentist visits. Since my previous job did not have insurance, I had to pay for that out of pocket. The new job has extra medical insurance, as... Read more »
  • Money Questions • Re: Rebalancing - How to, when and so on
    How are you planning on unwinding the Betterment portfolio? You have a much more complicated question than you might realize given potential locked in capital gains and a large number of stocks.You might want to break this into two parts therefore. Then, how do you unwind Betterment? How do you... Read more »
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    Early Retirement Extreme Forums

  • ERE Journals • Re: What I Spend
    I recently read Goodbye, Things.My post-work decompression must be progressing, because I spent the better part of today sorting the basement. There was a surprising amount of easy stuff - empty boxes, old papers, etc. The bigger challenge is items I still like, but stopped using. Cool stuff like:Playstation 3Original... Read more »
  • Resources & Recommended Reading • Re: Resources and recommend watching
    i just finished watching "eating animals"https://www.imdb.com/title/tt2180351/goddamn...Statistics: Posted by Alphaville — Sat Mar 06, 2021 7:31 pm... Read more »
  • Lifestyle Questions • Re: Purchasing a new laptop
    A few month ago, I even had an Java app that I couldn't open on my newer Macbook that opened without problem on the iMac... YMMVah! you use photoshop... was it gimp? i stopped using java long ago over security concerns...Statistics: Posted by Alphaville — Sat Mar 06, 2021 6:51... Read more »
  • ERE Journals • Re: CDR's Journal
    January 2021 Finance Update:Savings Rate: 81.19%I spent significant amount of money on repair parts for the broken PS2 Controllers. I also had some dentist visits. Since my previous job did not have insurance, I had to pay for that out of pocket. The new job has extra medical insurance, as... Read more »
  • Money Questions • Re: Rebalancing - How to, when and so on
    How are you planning on unwinding the Betterment portfolio? You have a much more complicated question than you might realize given potential locked in capital gains and a large number of stocks.You might want to break this into two parts therefore. Then, how do you unwind Betterment? How do you... Read more »
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    Done by Forty

  • A Kinder Means Testing
    Now that congressional Democrats have moved past the Republican's latest political showboating (this time in the form of a twelve hour vote-a-rama) the non-fascist party can move forward with a COVID relief bill. They'll likely do so through reconciliation, a process that allows certain bills to pass with only 51 votes in... Read more »
  • And I'm Out
    I wasn't sleeping, and for the usual reason. I was so stressed from work most nights, thinking about deadlines I wasn't able to meet and the series of conversations I'd need to have explaining when we could deliver, that I couldn't turn my brain off enough to relax & doze... Read more »
  • Baby, Baby
    Like so many other Americans, we celebrated a bit these past couple weeks. We felt some relief that a (too-small) majority of Americans made a choice for competence, decency, and democracy. And because of that, we're allowing ourselves to feel a little hope, too.It's premature. The primary problem with voting... Read more »
  • VideoThe Justice We Choose
    I don't know what to write about Justice Ruth Bader Ginsburg passing. I only know enough to be dangerous about her tenure on Supreme Court, the significance of her service, or what this will mean for the nation.I think I know what will happen next in the Senate. Republicans will... Read more »
  • FIRE Buys You Class...Whether You Want it or Not
    Pursing financial independence is an exercise in class mobility. No matter what economic class you start in, or what class you like to tell people you're a member of, when you have enough money to never have to work again, you're functionally wealthy: you're now part of the upper class.Doing... Read more »
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    Budgets Are Sexy

  • Net Worth Report #6 – “Half a Dozen!”
    The post Net Worth Report #6 – “Half a Dozen!” appeared first on Budgets Are Sexy. My wife and I made a pretty big investment change last month … We withdrew $35,000 from our brokerage account, took another $15,000 in cash, and invested it all into a new real estate... Read more »
  • J. Money Is Alive! And He Launched a New Curation Site… All-Star Money!
    The post J. Money Is Alive! And He Launched a New Curation Site… All-Star Money! appeared first on Budgets Are Sexy. He’s back! The infamous J. Money who started this sexy blog over a decade ago has emerged! And he’s here today to tell us all about his new project... Read more »
  • VideoSell your poop 💩 for money?
    The post Sell your poop 💩 for money? appeared first on Budgets Are Sexy. Did you know you can actually sell your poop for money?! I know, it sounds gross. OK, it is gross. But it’s actually part of a pretty cool advanced medical process called fecal microbiota transplantation (FMT).... Read more »
  • How Covid Is Changing Americans’ Retirement Plans
    The post How Covid Is Changing Americans’ Retirement Plans appeared first on Budgets Are Sexy. Happy Monday! Who’s ready for kick-ass week? 🙋🏼‍♀️🙋🏽🙋‍♂️ I’ve been reading a survey conducted by our friends over at Personal Capital that reveals some interesting info about how covid has affected people’s retirement plans. Some... Read more »
  • Is It a Mistake to Pay Off Your Mortgage Early?
    The post Is It a Mistake to Pay Off Your Mortgage Early? appeared first on Budgets Are Sexy. My friend Christine just reached a pretty huge financial milestone… She and her husband have paid off their mortgage and now own their home free and clear! Woohoo! This is a life... Read more »
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    ChooseFI

  • mp3301| Money and Relationships | Part 2
    What are you getting hung up on with relationships and money? We continue the conversation in Part 2 of the Relationships and Money series with Jillian Johnsrud. Although March is finally here and the sunshine is motivating Jonathan to push away the processed carbs in favor of broccoli and hummus,... Read more »
  • mp3300 | Relationships and Money | Jillian Johnsrud
    Money is one of the top three things people struggle to communicate with, falling right below sex and above our reasons and motivations for work. In her coaching practice, Jillian finds clients will be very open in one-on-one sessions, but when working with couples, it becomes much more uncomfortable. Jillian... Read more »
  • mp3299 | What's Stopping You from Reaching FI?
    It's ChooseFI's first live radio show! Recorded live on Tuesdays at 7:30 pm Eastern using an app called Stereo, the live shows will be replayed for the Friday Roundup episode. The topic of this interactive live show is: “What is stopping you from reaching financial independence?”. Lorraine has a question... Read more »
  • mp3298 | Habits For Wealth Building | Rich and Regular
    We are checking back in with our Households of FI family, Martin and Ayesha, who have been paired with mentors, Julien and Kiersten of Rich and Regular. Kiersten and Julien live in Atlanta and started working toward FIRE before they married five to six years ago and have paid off... Read more »
  • mp3297 | From Pandemic Layoff to $100k+ | A Salesforce Success Story |Anita Smith and Bradley Rice
    What You'll Get Out Of Today's Show If you are willing to look outside your comfort zone, grab good information, and take action on it, you can change your life in a matter of weeks or months. One of the hardest-hit industries during the pandemic has been hospitality. Working in... Read more »



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    Military Guide

  • Home Depot Military Discounts – How to Save 10% on Purchases at Home Depot
    Home Depot is one of the most popular hardware store chains in the United States. So, it comes as no surprise that they offer a variety of different promotions to keep their customers interested. Though most promotions and discounts are provided for a particular event, holiday, or time of year,... Read more »
  • Reader story: “How I Bumbled Into Financial Independence” (part 2)
    [This post is brought to you by my cousin Ross!  If you’re interested in contributing at The-Military-Guide.com, please see our posting guidelines.] [For those who haven’t seen it yet, here’s the link to Ross’s first post in this series.]       Our net worth is what?!? I thought to... Read more »
  • Reader story: “How I Bumbled Into Financial Independence”
    [This post is brought to you by my cousin Ross!  If you’re interested in contributing at The-Military-Guide.com, please see our posting guidelines.]   I knew I had a spending problem after I contemplated purchasing a new TV to avoid the hassle of calling the warranty department for a six month... Read more »
  • 2021 VA Disability Compensation Rates – Updated Veterans Compensation Benefits Rate Tables
    The Department of Veterans Affairs provides monthly disability compensation payments for veterans with a VA Service-Connected Disability Rating. These VA disability rate charts show you how much you will receive each month for your disability rating. The post 2021 VA Disability Compensation Rates – Updated Veterans Compensation Benefits Rate Tables... Read more »
  • Financial Caregiving: Are You Ready?
        My father passed away three years ago. That realization still sneaks up on me (and maybe smacks me on the back of the head) every time I clean out a file box or organize the family photos. Another way to deal with grief is talking about it. This... Read more »
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    The Frugal Vagabond

  • Getting a Spanish Driver’s License
    Getting a Spanish Driver's License is intimidating. I'll break down each step of the process and help you get on the road with your very own EU license. The post Getting a Spanish Driver’s License appeared first on The Frugal Vagabond.... Read more »
  • Living Abroad: Five Essential Survival Skills
    Living abroad is as alluring as it is polarizing. Five skills that will make your life abroad a success. The post Living Abroad: Five Essential Survival Skills appeared first on The Frugal Vagabond.... Read more »
  • Spanish Non-Lucrative Visa Renewal
    Spain can get under your skin. In the course of living here for the full first year of our non-lucrative visa, we’ve come to love our home, our city, Spanish food and culture, and most of all, the close friends… The post Spanish Non-Lucrative Visa Renewal appeared first on The... Read more »
  • Surgery in Thailand: Bumrungrad International Hospital
    I seek treatment at Bumrungrad International Hospital for a growth in my chest. How did it go? Was it cost effective to travel to Thailand for medical care? The post Surgery in Thailand: Bumrungrad International Hospital appeared first on The Frugal Vagabond.... Read more »
  • 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 »
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    The Millionaire Educator

  • Tax Planning: 2021 Free Money!
    Long-overdue greetings to all my readers out there.  With 2021 right around the corner, it’s a perfect time to start your tax planning for next year.  You know what means, right?  Yeap, it’s time for my most requested post of the year, 2021 Free Money!    What Exactly Is Free... Read more »
  • VideoPodcast Interview with Superb Diamond Range
    Great News:  We’re Still Healthy! Warm quarantine greetings from swampy South Georgia!  Tomorrow starts week 3 of no school for us (and most of the country).  All in all, our daily life is pretty normal except that we no longer have jobs to report to.  It’s almost like we’ve re-FIRE’d... Read more »
  • Adiós 2019 y Bienvenidos 2020
    Okay, I know this post is late, but here it is.  Before I get into last year’s accomplishments and this year’s goals, it’s worth mentioning that there are many things in life that are more important than money:  family, community, faith, health, and love.  As I write these words, the... Read more »
  • Podcast Interview with One Million Apples
    Happy New Year!  I just wanted to let you know that I did an interview with Breanna Reish of the One Million Apples podcast.  We talked about our 2019 hardcore savings, geo-arbitrage, my Twitter “rants,” and my never-ending obsession with Bigfoot.  I hope you enjoy the interview. Gerry... Read more »
  • Tax Planning: 2020 Free Money!
    The holiday season is upon us:  fall weather, pumpkin spice, falling leaves, cool breezes…actually, who cares?  It’s tax-planning time, so it’s time for my most anticipated post of the year:  2020 Free Money! Refresher:  What is “Free Money!”? For the uninitiated, my Free Money! posts are an attempt to simplify... Read more »
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    Financial Samurai

  • Use Bad Pricing Estimates By Zillow And Redfin To Your Advantage
    Bad pricing estimates by Zillow and Redfin are commonplace. Despite starting in 2004, Zillow’s estimates are especially unreliable for some reason. Over years of comparing the two, I’ve noticed Redfin’s pricing estimates are more accurate. Further, Redfin is much quicker to update the final sales price of a home after... Read more »
  • Why Real Estate Is Less Risky Than Stocks And The Irony That Follows
    There is a never-ending debate between real estate versus stocks as a better investment. Currently, ~40% of my net worth is in real estate while ~30% of my net worth is in stocks. Perhaps the main reason why is because I believe real estate is less risky than stocks. As... Read more »
  • Buying Stocks On Margin Is A Bad Idea: You Could Easily Lose Everything
    In general, buying stocks on margin is a bad idea. However, the idea of buying stocks on margin has increased due to a long bull market and a drop in interest rates. More people are trying to get rich as quickly as possible thanks to what we see and hear... Read more »
  • The Ideal Financial Scenario In Retirement: Conservative Returns, Steady Income
    The ideal financial scenario in retirement is steady income and conservative returns. Financial loss creates stress. And given stress kills, your goal as a retiree should be to remove as much stress from your life as possible. Recently, I’ve been thinking about being OK with no longer making a lot... Read more »
  • Commercial Real Estate Outlook 2021 – CrowdStreet Survey
    After the unforeseen volatility of 2020, CrowdStreet wanted to know how individual investors were thinking about real estate investing in 2021. CrowdStreet was able to conduct a survey with 1,200 respondents, one of the largest of its kind. The survey results provide an insightful commercial real estate outlook for 2021... Read more »
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    Afford Anything

  • mp3#304: Ask Paula & Joe – Help! I Can Only Save $200 a Month
    [smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA304.mp3" title="Ask Paula: Help! I Can Only Save $200 a Month" 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" ] Paige and her fiancé have two autumn 2021 goals: save for a wedding and an emergency fund. There’s one problem: they only have around $200 per month... Read more »
  • mp3#303: A World Without Email, with Cal Newport
    [smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA303.mp3" title="A World Without Email, with Cal Newport" 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" ] Wouldn't it be nice if our inbox magically managed itself? Let's go a step further. What if we could live in a world without email? Email overload takes a real... Read more »
  • mp3#302: The Financial Benefits of Optimism, with Michelle Gielan
    [smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA302.mp3" title="The Financial Benefits of Optimism, with Michelle Gielan" 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" ] What comes to mind when you think about optimism? Yeah right, how can anyone be optimistic at a time like this? *eye roll* What fluff. Uh...does being optimistic about... Read more »
  • mp3#301: Ask Paula – How Can I Reach FIRE in 11 Years?
    [smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA301.mp3" title="Ask Paula - How Can I Reach FIRE in 11 Years?" 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 wants to refinance her owner-occupied triplex, but she’s torn between a 15-year and a 30-year option. Which is better in her situation? Amelia is worried... Read more »
  • mp3#300: The Two-Fund Investment Portfolio, with Paul Merriman
    [smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA300.mp3" title="The Two-Fund Investment Portfolio, with Paul Merriman" 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" ] Target date retirement funds are simple, automated, easy. The problem? What’s simple might not be optimal. Investment expert Paul Merriman joins us to discuss the two-fund portfolio, a mix of... Read more »
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    Accidental Fire

  • Happiness: An Analysis
    Subscribe To New Posts Here! The post Happiness: An Analysis appeared first on Accidental Fire.... Read more »
  • The Year Without Beer
    My neighbor invited me over to hang out on his patio the other day.  He’s got a new fire pit and everyone loves a good fire in winter.  He told me to bring some beers, and I said I’d bring... The post The Year Without Beer appeared first on Accidental... Read more »
  • T.G.I.F. Friday: Volume 37
    Welcome to “Thank God I’m FI” Friday, Volume #37! Here are some things I really like and that you might too.    Finance Articles Burnout, Variety, and Crop Rotation (The Escape Artist) – “The problem is not hard work. The... The post T.G.I.F. Friday: Volume 37 appeared first on Accidental... Read more »
  • Is COVID Driving People From Cities?
    Regular readers know my background is in geography and geographic information systems, and I’ve done a lot of mapping posts related to finance.  I also have a pretty sweet geoarbitrage resources page with tons of tools in one place to... The post Is COVID Driving People From Cities? appeared first... Read more »
  • Congress Passes Bill That Sets Up Direct Deposit For Lobbyist Donations
    WASHINGTON, D.C. – Frustrated with the often difficult and painful processes to get money from lobbyists and special interest groups into their own grubby hands, Congress today unanimously passed a bill that sets up direct deposits into their checking accounts,... The post Congress Passes Bill That Sets Up Direct Deposit... Read more »
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    Independently Financed

  • MEUC: the unemployment insurance top-up no one is talking about
    Become a Patron!Since the original CARES act in March, I’ve been trying to provide practical, real-world guidance on the nuances of federal and state aid to unemployed and self-employed workers. For reference: In May I shared my successful EIDL loan application; In July I asked whether the PPP program was... Read more »
  • How to apply to, enroll in, and attend college
    Become a Patron!In my Wednesday review of Ron Lieber’s college-cost book I promised my own streamlined take on how to think about higher education. One of the great shortcomings of Lieber’s book is that it’s focused on parents: the “You” in the title refers to you, the parent, rather than... Read more »
  • Book Review: Ron Lieber just wants to ask questions about college costs (that have obvious answers)
    Become a Patron!Before I was a travel hacker, I was a higher education hacker. In fact, the first glimpse I had behind the rickety infrastructure of the modern economy was when I made a last minute decision to study abroad and my university’s financial aid, which shouldn’t have been applicable,... Read more »
  • The right and wrong lessons from the Gamestop trading fiasco
    Become a Patron!Like everyone on the internet, for the last few days I’ve been following the fascinating and hilarious story of the little message board that made a small dent in the quarter-on-quarter performance of a few particularly poorly managed hedge funds. There are plenty of bad and a few... Read more »
  • Good reasons to own bonds
    Become a Patron!For as long as I’ve been writing about money, I’ve been saying almost everybody owns too many bonds. My argument has nothing to do with “risk” or “volatility” or “rebalancing.” It’s much simpler than that: bonds don’t pay enough in interest. If and when they start paying more... Read more »
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    Mr Crazy Kicks

  • We Made a New Haircut Tool: The HairFin!
    As a kid, my mom cut my hair with her trusty clippers. In college, I picked up a pair of clippers and learned to cut my own hair. Soon I found myself cutting friends’ hair in the dorms. Clippers made … Continue reading → The post We Made a New... Read more »
  • 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 »
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    The Happy Philosopher

  • How to Prepare for Life After Residency
    Burnout and Finance I was recently asked to speak to a bunch of medical residents about my story of burnout and my general philosophy on finance and life. I declined for a variety of reasons, but upon reflection I realized that this was a topic I had not addressed. This... Read more »
  • A Podcast, Guest Post, and Random Musings
    Hey philosophers, just wanted to let you know about a couple of small projects I participated in recently. I haven’t had much time or motivation to write these last couple of weeks. I have been paying the work price for my two week vacation to Alaska. Flexibility to take a... Read more »
  • Running, Purpose, and Bears (Oh, my!)
    As my feet rhythmically hit the belt of the treadmill, it briefly occurred to me this was perhaps the weirdest time to start my journey back to some sort or reasonable physical fitness. The treadmill was gently rocking side to side and I was looking out at an endless expanse... Read more »
  • Why A Physician Should Work Full-Time
    As an evangelist of part-time work for physicians, I occasionally get an e-mail from a physician reader asking if cutting back on work is the right move for them. Often times they are early in their training, and I’m not sure how to respond. I feel conflicted. I know what... Read more »
  • The Government Doesn’t Want you to Work (Too Much)
    A feeling of dread suddenly came over me. The numbers just didn’t add up, yet I could not figure out where I went wrong. Maybe I typed something in wrong or missed a section, but everything looked more or less complete. Maybe I’m just getting too old for this and... Read more »





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    Slowly Sipping Coffee

  • Life Can Be SO “Overwhelming”: How I Tame It
    Now that I’m back to just having a single source of income, my adjunct position, I immediately have a crazy sense of pressure to “get back earning”, and “get a job” or “create a job” or “hit it big with day trading”, as soon as I study up a little... Read more »
  • Do You Take Payment in Soul Currency?
    Last week at some point, Angela from Tread LIghtly Retire Early tweeted about giving time versus money and it reminded me of what I did with my time when I wasn’t working. I found my time that I give is rewarded so much more in “soul currency” than money. If... Read more »
  • What to Do, What to Do?
    With all of this change that’s come about in the past couple of years, I figured I should revisit the “plan” since my retirement and savings got halved. I can’t say there are many complaints, considering how much we’d saved, so my half is a nice chunk of change. I... Read more »
  • Time To Move On, Again…
    Last year was one for the record books in so many ways. And literally, one for the record books in so many ways that none of us want to remember. For me, it was the first time since I was 15 that I was unemployed. Like for real unemployed, not... Read more »
  • Perspective Affects Everything
    Just because something does or doesn’t happen to you doesn’t necessarily mean that it doesn’t occur. The best example of this is the latest conversation that I had with my brother. For example, my whole life I felt like he, my sister and my mom had this strange close bond... Read more »
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    zen habits

  • Death Isn’t the End
    By Leo Babauta Recently a couple of our loved ones died, and my family have been hit by grief and loss. I’ve been letting myself feel it as much as I can, and letting it bring our family closer together. It’s not the only time death has hit our loved... Read more »
  • Staying at the Edge of Uncertainty
    By Leo Babauta When we get into a situation that feels uncertain, most of us will immediately try to get to a place of certainty. Instead of writing a blog post, I’ll find myself wanting to check emails or my favorite websites. Instead of having a difficult conversation, we’ll stay... Read more »
  • First Two Steps to Creating Resilience
    By Leo Babauta When life is shaking us up and we’re feeling stressed … it can be tough to feel resilient. Resilience helps us to deal with the chaos and overwhelm … but how to we create it when we feel like we’re underwater? The first step is to remove... Read more »
  • Creating Impact When You’re Overwhelmed
    By Leo Babauta Our lives can be chaotic and overwhelming, and we can feel like we’re struggling to stay afloat. We feel behind, stressed, distracted, undisciplined, unworthy. And in the middle of all of this, we want to do our meaningful work. We want to create an impact. How can... Read more »
  • Positive Feedback Loops
    By Leo Babauta Let’s say you want to be more disciplined about your day … you might tell yourself, “I’m going to wake every morning, meditate for 15 minutes, plan my Most Important Tasks, and then get started and follow the plan. No doubts about it.” And then your plan... Read more »
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    Financial 180

  • The Cheat Codes of FI
    For those of you following along, you know I've been a bit busy lately. In addition to my own music, podcast, and software projects, I've also been popping up on other people's podcasts. A few weeks back I sang a few bars of Michael Bublé on The FI Show with... Read more »
  • FI Without RE
    Back in November of 2017, a tired, burned out version of myself was pushed past his breaking point. After months of mandatory unpaid overtime, morning self pep-talks, stress-eating, and yelling at coworkers, the old Joel finally had enough. He walked up to his boss, and with a surprising, zen-like calm,... Read more »
  • VideoSo Much Time & So Little To Do!
    Wait a minute. Strike that – reverse it! I know, I know, I haven't updated this blog in months. What gives?! If things get any more sporadic around here I'll be on the Miss Mazuma publishing schedule! 😉 Maybe I should adopt the slogan of Wait, Buy Why and claim that I'll have... Read more »
  • Reaching for the Moon(shot)!
    This week, I'm thrilled to be featured on Coryn Quester's “Discover What's Possible” Podcast! In the interview, we talk about everything from the ‘Why' of FI,  to the most challenging aspects of financial independence for those just starting out. But one of the more interesting questions she posed really got... Read more »
  • Misconceptions of FI
    This past weekend The Wife and I went to see Crazy Rich Asians, and really enjoyed it! (Featured image credit: Entertainment Weekly) Having been on the FIRE journey for a few years now, it was fun taking in all the over-the-top luxury on the screen. Of course, this wasn't the... Read more »
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    DiverseFI

  • We’re Moving! New Website!
    All new episodes and content can be found at earnandinvest.com. See you there! The post We’re Moving! New Website! appeared first on DiverseFI.... Read more »
  • 128. You Can Destroy Student Loan Debt
    Earn & Invest I am proud to release episode 128 of The Earn & Invest Podcast.  This podcast is an exploration of personal finance, financial independence, and taking the conversation to the next level.... The post 128. You Can Destroy Student Loan Debt appeared first on DiverseFI.... Read more »
  • Video127. Why Now Is The Time To Start Your Business
    Earn & Invest I am proud to release episode 127 of The Earn & Invest Podcast.  This podcast is an exploration of personal finance, financial independence, and taking the conversation to the next level.... The post 127. Why Now Is The Time To Start Your Business appeared first on DiverseFI.... Read more »
  • 126: How To Align Your Passion and Talent
    Earn & Invest I am proud to release episode 126 of The Earn & Invest Podcast.  This podcast is an exploration of personal finance, financial independence, and taking the conversation to the next level.... The post 126: How To Align Your Passion and Talent appeared first on DiverseFI.... Read more »
  • 125: Is Saving For Retirement Money Jail?
    Earn & Invest I am proud to release episode 125 of The Earn & Invest Podcast.  This podcast is an exploration of personal finance, financial independence, and taking the conversation to the next level.... The post 125: Is Saving For Retirement Money Jail? appeared first on DiverseFI.... Read more »
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    Vital Dollar

  • Way With Words Review: A Beginner-Friendly Transcription Platform
    If you’re considering creating a side gig with transcription work, you need to check that you pick a legit platform. Here we’ll delve into Way With Words to help you get the low down on this platform and make an informed decision. A Brief Overview of Way with Words WwW... Read more »
  • Which Investment Typically Carries The Least Amount of Risk?
    If you’re thinking about building an investment portfolio, you may be a little concerned about risk. While all investments carry some type of risk, there are some investments that offer lower levels of risk. So, here we’ll delve into those low-risk investments to help you determine which is the best... Read more »
  • Casting Words Review: Make Money With Transcription
    If you’re considering transcription as a side hustle, there are a number of platforms offering work transcription jobs. Here we’ll explore CastingWords to help you decide if it could be the right option for you. A Brief Overview CastingWords has been operating since 2005. It was established with the main... Read more »
  • How to Get Free Books By Mail
    Reading is one of the most popular and most productive pastimes that we can engage in. It provides the opportunity for escapism while broadening our horizons, learning about new people and places, and developing our imaginations, vocabulary, and language skills. Whether you’re looking to help your child to become an... Read more »
  • Is Your Side Hustle Worth the Time?
    If you’ve spent any amount of time reading personal finance blogs or financial independence blogs, I’m sure you’ve seen plenty of articles about side hustles. When the topic of making more money comes up, starting a side hustle is a common suggestion. While it’s true that a side hustle can... Read more »