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    Mr. Money Mustache

  • Beware of the Bubble
    “A Nation Which Forgets Its Past Has No Future” Those were the words on a 20-foot-long banner that “Mr. Slick”, my high school history teacher, kept carefully pinned across the width of his classroom for the entire four years I had classes with him. “That makes no sense at all”,... Read more »
  • 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 »
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    financial independence / early retirement

  • Housing Value
    When valuing your equity in your house, for net worth purposes, how do you calculate it? Do you simply take your outstanding mortgage and subtract that from the latest Zillow estimate? Do you subtract closing costs, realtor fees, etc..? Thanks submitted by /u/foamguy312 [link] [comments]... Read more »
  • Weekly Self-Promotion Thread - April 14, 2021
    Self-promotion (ie posting about projects/businesses that you operate and can profit from) is typically a practice that is discouraged in /r/financialindependence, and these posts are removed through moderation. This is a thread where those rules do not apply. However, please do not post referral links in this thread. Use this... Read more »
  • Daily FI discussion thread - Wednesday, April 14, 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 »
  • Just hit 1M
    Title says it all. My spouse and I just hit $1M net worth. We both worked in the US on work visas. No one except the two of us know about it, so I just wanted to share this here to unknown people on reddit. We discovered FIRE in 2017... Read more »
  • Reducing Stress with Modified Variable Percentage Withdrawal (Income Floor)
    Intro It is no secret that I am a big proponent of Variable Percentage Withdrawal (VPW) as a practical withdrawal strategy that finds a happy medium between safety, high utilization of a portfolio's potential value, and realistic integration of future income streams such as Social Security and pensions. If you're... Read more »
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    Early Retirement Extreme

  • Three plugins to boost your blog traffic by 50%
    Kevin@InvestItwisely just published his list of plugins he uses on his blog. I think this is quite useful, especially to new bloggers. I know I didn’t waste a lot of time in the beginning because I found a couple of long lists from experienced bloggers on which plugins and services... Read more »
  • How to do original research
    I have a confession to make. I write a personal finance blog, but I rarely read other personal finance blogs. There is a reason for that. Here is the reason. I find that once anyone get actively involved in any community, they will start to (subconsciously) adopt the thinking modes... Read more »
  • My 4 hour work week
    Aside from being financially independent, I also maintain a 4 hour work week just to prove that you don’t need to accumulate six figures of net worth to leave a full time career. Consider it a form of social service: Oh, the sacrifices I make just to prove a point... Read more »
  • The danger of outgrowing your lifestyle
    I have mostly seen this within the context of backpacking, which in this modern age is known as “incredibly awesome minimalist traveling” or something, and institutionalized education. It is a surmountable problem which comes from the fact that most people treat these lifestyles, the traveling lifestyle and the student lifestyle... Read more »
  • Traveling around the world after ERE
    Save 75-80% for five years and then quit your work and do something else. I’m not the only, nor the first one to do this. I recently found a couple who also saved 75% for 5 years and now use their financial independence to do just that. They have been... Read more »
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    Go Curry Cracker!

  • Award Travel Series: Getting to Hawaii for Free with Ultimate Rewards
    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 »
  • Go Curry Cracker Coin (April Fools)
    Odds are that by now you have heard of Bitcoin or some of the other higher profile cryptocurrencies, e.g. Ethereum, Litecoin, Ripple, etc… Today I want to introduce you to the latest and hottest cryptocurrency, Go Curry Cracker Coin! Go Curry Cracker Coin The idea of Go Curry Cracker Coin... Read more »
  • Award Travel Series: Meeting Minimum Spend Requirements
    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 »
  • Double Double
    Every time we are in California I have to make a stop at In-N-Out Burger for a Double Double (protein style.) Even after that time I threw up a Double Double and chocolate milkshake out my nose, I still love them. (Can’t say the same for Jack Daniels…) Similarly, every... Read more »
  • The American Rescue Plan Act of 2021
    Sometime soon the American Rescue Plan Act of 2021 will become law. (See text of House bill H.R. 1319) With a cost of $1.9 trillion it roughly matches the price tag of the Tax Cuts and Jobs Act of 2017 and the CARES Act of 2019. That’s big. It even... Read more »
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    1500 Days to Freedom

  • Guest Post: Turning “What If?” Into “Why Not?”
    One of the most fun parts of FIRE Life is meeting with fun people who pass through town. A couple of years ago, I met Tina. We talked about FIRE, bikes, and ate subs late at night. (I highly recommend the Grape Ape from Cheba Hut). I was supposed to... Read more »
  • Introducing The FIRE Olympics
    I have something amazing to tell you about today. After more than two years of planning, I’m thrilled to be the first to let you know about an incredible event that will take place this summer: Longmont Colorado, arguably the epicenter of the FIRE movement, will host the first-ever, FIRE... Read more »
  • February 2021: Rays Of Light, Even If We’re Down $84,411
    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 »
  • 10 Questions With Escaping Silicon Valley
    After an unplanned hiatus (#COVIDLife), 10 Questions is back! If you’d like to be featured, just follow the rules here. Please note that I have a bit of a backlog to work through, so it will be a couple of months before new submissions get published. Today’s feature is Escaping... Read more »
  • Meet Me At EconoMe!
    Want to know one of the best life tips for living a rewarding life? Here it is: Commit to projects that scare the shit out of you and make you deeply uncomfortable. Why? Growth doesn’t happen when you stay safe in your comfort zone. Think about it. Extraordinary accomplishments require... Read more »
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    Millennial Revolution

  • How Not To Lose Yourself in Retirement
    “So, what do you do?” How many times have you been asked this question? If you live in North American, I’m willing to bet, a lot. Given that our society places so much emphasis on “live to work” instead of “work to live”, I’m not surprised we believe we are... Read more »
  • Finding Love During Covid
    A few months ago, we wrote about a FIRE dating app that someone had made. Apparently, that post triggered a flood of traffic to the app, and people actually started hooking up on it! We got an email recently from the creator telling us that there was a couple, both... Read more »
  • Is It Time To Ditch Bonds?
    I’ve been getting a lot of messages lately asking this question. Basically, people (including myself) are looking at their portfolios and seeing everything going up except bonds. They’re reading the news about interest rates being in the crapper, and they’re asking themselves “Why are we owning these things? All they’ve... Read more »
  • Are Most Degrees Useless?
    Like most people, I thought most millionaires are CEOs or top corporate executives. Go big or go home, right? But then I read this article in the Wall Street Journal and found out I was wrong. Apparently, only a measly 6-7% of the world’s millionaires are CEOs or executives. Ok,... Read more »
  • Why Gamestop investors Should NOT Invest in Index Funds
    After we covered the saga of the Redditors and Gamestop a few weeks ago, our prediction came true a few days later: the stock crashed in value from a high of around $350 all the way down to $40, for an 89% loss. Much wailing and gnashing of teeth ensued... Read more »
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    Can I Retire Yet?

  • How To Monitor Your Investments
    Managing your investments is easier than most people think. It does require developing a system to monitor your investments. This enables you to make optimal portfolio management decisions with minimal effort. Let’s look at why you should monitor your investments, what metrics you should track, and how you should track... Read more »
  • A Cost/Benefit Analysis of the RV Lifestyle
    Darrow’s articles about traveling in a Recreational Vehicle (RV) in retirement have been popular on this blog over the years. Pursuing an adventurous RV lifestyle is something many people dream about doing with their increased time freedom in retirement. I’m one! I invited Mary, who writes at the blog Reflections... Read more »
  • March 2021 Best Of The Web
    Spring has arrived. Beyond the standard longer days and warmer weather, it feels like we’re getting a fresh start after a dark year. There are many reasons to feel optimistic. Still there seems to be an uneasiness and uncertainty in the air. This month I start with an outstanding article... Read more »
  • Does the American Rescue Plan Change Health Care Planning for Early Retirees?
    The American Rescue Plan Act of 2021 is a sweeping piece of legislation signed into law on March 11. The most highly publicized provision of the act is a third round of economic stimulus. Every eligible American will receive $1,400 for economic relief amidst the Covid-19 pandemic, if you haven’t... Read more »
  • 5 Reflections On a Year of Pandemic Life
    One benefit of blogging is having a written record of my mindset at various points in time. It is helpful for me to periodically reflect back. How can I grow, improve, and make better decisions moving forward? This past week marked the one year anniversary of the world substantially changing... Read more »
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    Root of Good

  • March 2021 Early Retirement Update
    Well folks, here we are in April. It's no longer winter but it's not quite summer yet. Maybe we'll enjoy a little bit of spring before the heat sets in? Right now we're suffering through the horrible intermediate phase of "pollen season" here in North Carolina. It lasts a week... Read more »
  • Confessions Of A Frugal Millionaire
    Unless you are an heir to a big fortune or you have won the lottery, you have to work hard to have money.  To accumulate wealth, you have to make more money than you spend.  The key is to keep your expenses low.  And there will be sacrifices.  Nothing crazy... Read more »
  • February 2021 Early Retirement Update
    Time flies when you're having fun, right? Although in the case of February I think it flew by because it's the shortest month of the year. Only 28 days! Here we are in March, just a couple of weeks away from the official start of spring.  I'm looking forward to... Read more »
  • 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 »
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    JLCollinsnh

  • Time to sell?
    Story goes that back in 1929 Joseph Kennedy was getting his shoes shined and the shoeshine boy began offering him stock tips. Kennedy promptly returned to his office and sold all his shares. The market crashed and the cash he was sitting on suddenly became the most valuable thing you... Read more »
  • 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 »
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    Mr. Free At 33

  • In Your 20s? 3 Dividend Stocks To Buy Now To Become A Multimillionaire
    Today, I want to tell you about three stocks to strongly consider buying if you’re in your 20s. These three stocks are high-quality dividend growth stocks that have a ton of long-term potential. All three stocks are growing like crazy and taking advantage of huge megatrends. These stocks don’t offer... Read more »
  • Top 3 “EV” Dividend Growth Stocks For Passive, Growing Income
    Electric vehicles are the future. And there’s a lot of money to be made here. Unfortunately, most of the investment opportunities in this space aren’t appealing options for dividend growth investors because of poor fundamentals, sky-high valuations, and no dividends. But there are some high-quality dividend growth stocks that stand to... Read more »
  • One Of The Best (And Safest) Stocks On The Planet Is Now Rated A “Strong Buy”
    Would you like to invest in the best businesses you’ll ever see? Want to collect the safest dividend in the world? Like the idea of a company compounding your wealth and passive income at double-digit rates while you sleep? Then this is a stock you should definitely take a good... 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 »
  • This Stock Just Increased Its Dividend By 10% And Has Nearly Doubled In The Past Year
    Think collecting totally passive dividend income is amazing? How about collecting even more totally passive dividend income than you were getting yesterday? Would you like to know about stocks that are giving their shareholders more money? Well, here are three dividend growth stocks that just increased their dividends – and... Read more »



    +

    The Wealthy Accountant

  • 31 Frugal Tips and Tricks
    Frugality is the animal that must be bred to achieve financial goals. There is no amount of income that can't be spent, and then some. If you don't believe that, take a long look at the U.S. government to get a view of an amount of money that can be... Read more »
  • Why Cheating on Your Taxes Costs More
    This past week an old story was refreshed for me. A tax office that handles mostly simple tax returns for a very low price and gets paid mostly cash might not be claiming all that income. A previous employee of that firm informed me over $300,000 in cash was kept... Read more »
  • How Much Should You Pay for Tax Preparation?
    How much are you really paying for tax preparation? What if I told you there was a hidden fee in your tax preparation bill. This hidden fee costs you serious money every time you file your taxes. This hidden fee shows up even when you prepare your own tax return.... Read more »
  • VideoWhen Should I Retire
    People pay me a lot of money for advice. It's called consulting. Questions on taxes and money are what start the conversation. But once we get under the hood it becomes clear there is another motive. The real questions involve medical issues, raising children, starting a business and retirement. It... Read more »
  • 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 »
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    Our Next Life

  • The Value of a Long Break
    I'm back on the blog after a long time away to write my next book, Wallet Activism, and to reflect on what's actually worth saying after the last year. Though this wasn't a break I intended, it taught me a lot about the value of stepping away for a while,... Read more »
  • 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 »
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    The Money Mustache Community

  • Re: Oakland CA/Berkley/SFO neighborhood recommendations eta
    I always thought a houseboat in Sausalito would be an interesting housing hack, but I don't love cold and damp. If you're less temperature sensitive, it might be worth looking into, but I'd probably rent, not buy.... Read more »
  • Re: How long can we wait while flattening the curve?
    We reopened restaurants and bars and resumed school sports in Michigan on Feb. 1, and expanded capacity in March 1. Life isn’t back to normal, much as we might wish it so.[url=https://www.bridgemi.com/michigan-health-watch/coronavirus-tracker-what-mic...... Read more »
  • Re: Taking SS early
    Quote from: Rdy2Fire on Today at 06:11:56 AMAdditionally I always viewed SS as a loss, unless you live to be VERY old, you will never get the return on your investment and the government doesn't want you to. It's a s...... Read more »
  • Re: Educate me about wells and septic expectations
    Quote from: Botany Bae on April 12, 2021, 12:06:41 PMQuote from: ctuser1 on April 12, 2021, 11:59:09 AMI did not see it mentioned - but please make sure there are no big trees on or close to the...... Read more »
  • Re: The rich are to blame for climate change
    Quote from: Roland of Gilead on April 13, 2021, 09:18:19 AMQuote from: bacchi on April 13, 2021, 09:11:19 AM?? How does that matter?Society needs a certain number of workers to develop...... Read more »
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    Early Retirement Extreme Forums

  • Skills & Tools Questions • Re: Making wine
    I'm going to have a decent sized berry harvest this year. Muscadine grapes, honeyberries, goumi, aronia, elderberry flowers. Will be consulting this thread.Statistics: Posted by Papers of Indenture — Wed Apr 14, 2021 7:43 am... Read more »
  • Transportation Questions • Re: Is a car lease a good idea?
    Sorry to have exhumed an old thread but I've been looking at this recently and thought I'd throw in my 2c worth.There are some videos on YouTube about financing cars. The presenters/influencers seem not to be aware of FIRE principles and admit they are buying high end supercars (Ferrari, Lamborghini,... Read more »
  • ERE Journals • Re: A Journey of Mindfulness--the Remaking of Life in Midstream.
    Philosophical question of the day: can a person achieve ereWL 7 or higher if their property taxes plus medical insurance premiums combined exceed $15K?Resource Management System (RMS), Part IPrior to this I looked up “resource” in an online dictionary. Interestingly there was an alternate definition, labeled as “dated”, where resource... Read more »
  • Lifestyle Questions • Re: The ERE Wheaton Scale
    @Ego: Good insight. I think what had me confused is that although it makes eminent sense to view 1Jacob as a measure or rough descriptor on the ERE Wheaton Scale, it may also serve as a target in a game some of us are playing in order to distract ourselves... Read more »
  • Health Questions • Re: COVID topic vol 2
    The real problem is the fifty plus group, all of them in the UK have been offered a vaccine now but in some ares as many as 30% haven't taken it. These are the people filling intensive care. Coming out of lockdown looks trickier than going in.Statistics: Posted by ducknald_don... Read more »
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    Early Retirement Extreme Forums

  • Skills & Tools Questions • Re: Making wine
    I'm going to have a decent sized berry harvest this year. Muscadine grapes, honeyberries, goumi, aronia, elderberry flowers. Will be consulting this thread.Statistics: Posted by Papers of Indenture — Wed Apr 14, 2021 7:43 am... Read more »
  • Transportation Questions • Re: Is a car lease a good idea?
    Sorry to have exhumed an old thread but I've been looking at this recently and thought I'd throw in my 2c worth.There are some videos on YouTube about financing cars. The presenters/influencers seem not to be aware of FIRE principles and admit they are buying high end supercars (Ferrari, Lamborghini,... Read more »
  • ERE Journals • Re: A Journey of Mindfulness--the Remaking of Life in Midstream.
    Philosophical question of the day: can a person achieve ereWL 7 or higher if their property taxes plus medical insurance premiums combined exceed $15K?Resource Management System (RMS), Part IPrior to this I looked up “resource” in an online dictionary. Interestingly there was an alternate definition, labeled as “dated”, where resource... Read more »
  • Lifestyle Questions • Re: The ERE Wheaton Scale
    @Ego: Good insight. I think what had me confused is that although it makes eminent sense to view 1Jacob as a measure or rough descriptor on the ERE Wheaton Scale, it may also serve as a target in a game some of us are playing in order to distract ourselves... Read more »
  • Health Questions • Re: COVID topic vol 2
    The real problem is the fifty plus group, all of them in the UK have been offered a vaccine now but in some ares as many as 30% haven't taken it. These are the people filling intensive care. Coming out of lockdown looks trickier than going in.Statistics: Posted by ducknald_don... Read more »
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    Done by Forty

  • VideoIs $400k Middle Class? Income Quintiles: 2021 Update
    2021 is determined to deprive us of nice things, so some tired click bait has been making the rounds again: claiming that a $400k income somehow qualifies as middle class in some coastal cities. I don't have to link to this junk, right? No, I don't. We won't. We don't... Read more »
  • 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 »
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    Budgets Are Sexy

  • WTF Is an NFT?
    The post WTF Is an NFT? appeared first on Budgets Are Sexy. Odds are you’ve seen the letters “NFT” floating around in financial and tech news for the past few months. And if you’re like me you’re totally confused about all this NFT and crypto art stuff.So I reached out... Read more »
  • Net Worth Report “Lucky #7” and FREE Finance Course!
    The post Net Worth Report “Lucky #7” and FREE Finance Course! appeared first on Budgets Are Sexy. Happy Friday, y’all!Before I share net worth numbers, I have 2 exciting things …FREE Finance Course From Rebel Finance SchoolLast year my friends Katie and Alan Donegan ran a virtual finance course —... Read more »
  • 2 Big Differences Between Successful and Unsuccessful Investors
    The post 2 Big Differences Between Successful and Unsuccessful Investors appeared first on Budgets Are Sexy. I have a friend who is a cryptocurrency millionaire. Woohoo!…But another friend has LOST thousands of dollars messing with crypto. ☹️I know a couple who made more than $1 million dollars on GameStop stock.... Read more »
  • FIRE Lessons From the Jamaican Bobsled Team
    The post FIRE Lessons From the Jamaican Bobsled Team appeared first on Budgets Are Sexy. One side effect of being a FIRE blogger is that money is always on your brain. Everywhere you look, you see personal finance topics and come up with weird analogies and concepts.So, I was watching... Read more »
  • Retired at 43: “No Gambling, No Lotteries, No Bitcoin”
    The post Retired at 43: “No Gambling, No Lotteries, No Bitcoin” appeared first on Budgets Are Sexy. Hey, everyone!We got a comment on the million dollar club page a while back that I thought was pretty interesting … so I dug a little deeper and found a cool story to... 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

  • A Pre-Retirement Checklist For Post-Pandemic Life
    Having a pre-retirement checklist post-pandemic is a smart move. Retiring from a job after years or decades of work is a scary proposition. This fear is one of the reasons why retirement researchers who feel confident about their safe withdrawal rate assumptions still won’t retire. It is much easier to... Read more »
  • If You Can’t Beat Institutional Real Estate Investors, Join Them
    A recent WSJ piece entitled, If You Sell Your House, The Buyer Might Be A Pension Fund, caused some commotion. The article highlighted how competition is heating up for single family homes due to demand from institutional real estate investors. When I read the article, I was surprised to see... Read more »
  • How To Convince People You Are Middle Class When You’re Actually Rich
    As the wealth gap continues to widen, it may be beneficial to learn how to convince people you are middle class when you’re actually rich. Otherwise, you might become target enemy number one when the revolution comes! To get things out of the way, I feel rich. Not only do... Read more »
  • The Easiest Way To Make Money From Home
    Let’s say the next black swan event isn’t a pandemic, but a zombie apocalypse. Or maybe World War III breaks out due to a fight for scarce resources. Clearly, instead of venturing out into the wild, we all need to find the easiest way to make money from home! The... Read more »
  • 1Q 2021 Review: What’s Next For Stocks, Real Estate, And Bonds
    Before reviewing my 1Q 2021 and discussing what’s next for various asset classes, let’s talk about hard things. Waiting for the opportune time to propose after buying an engagement ring is hard. The ring just starts burning a hole in your pocket. But do you know what’s even harder? Writing... Read more »
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    Afford Anything

  • mp3#311: The Surprising Solution to Overthinking, with Jon Acuff
    [smart_track_player url="http://traffic.libsyn.com/secure/paulaandjaymoney/AA311.mp3" title="The Surprising Solution to Overthinking, with Jon Acuff" 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" ] Hey Podcast Family!! Before we dive into today’s show notes, I’m bursting with excitement to make a super-special announcement … Enrollment for our flagship course, Your First Rental Property,... Read more »
  • mp3#310: Ask Paula & Joe – What Should I Do With $25,000?
    [smart_track_player url="http://traffic.libsyn.com/forcedn/paulaandjaymoney/AA310.mp3" title="Ask Paula - What Should I Do With $25,000?" 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" ] Greta is tired of financial modesty. She wants to achieve financial independence through diversified income streams, and has her eyes set on owning local duplexes. What should she... Read more »
  • mp3#309: Are We Due For Another Housing Market Crash?
    [smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA309.mp3" title="Are We Due For Another Housing Market Crash?" 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" ] Are we in a housing bubble? Are we going to see a repeat of 2006 all over again? Are there any good investment deals to be found right now?... Read more »
  • How Kelsey Bought a Rental Property in Joshua Tree, California
    Kelsey Kaszas loves numbers. But crunching numbers too much can be a crutch, rather than a tool. Before she enrolled in Your First Rental Property (YFRP), Kelsey found herself stuck in analysis paralysis. She wanted to invest in rental property, but she kept crunching theoretical numbers without taking action. “When... Read more »
  • mp3#308: Ask Paula – I Want to Travel After I Retire; How Much Should I Save?
    [smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA308.mp3" title="Ask Paula - I Want to Travel After I Retire; How Much Should I Save?" 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" ] Anonymous in Virginia wants to travel after retiring, which will increase her expenses for the first seven or so years of her... Read more »
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    Side Hustle Nation

  • mp3Pinterest Marketing in 2021: What’s Working NOW?
    With over 500 million users and growing all the time, your target customers are probably on Pinterest. To help catch us up on all the latest strategies and best practices for getting more traffic, more sales, more leads from Pinterest is our resident Pinterest marketing expert, Kate Ahl from SimplePinMedia.com.... Read more »
  • mp3Quarterly Progress Report – Q1 2021
    How did the first part of 2021 stack up for you? Are you better off than you were 3 months ago? Over here, I'm actually feeling pretty sharp physically and mentally so far this year. I've been fired up ever since my "Masterpiece Days" chat with Brian Johnson.... Read more »
  • mp3How This Couple Started a 6-Figure Cleaning Business on the Side
    Anthony and Jhanilka Hartzog erased $114k of debt in 23 months. The couple were making good money at their day jobs, but realized there's only so much you can cut from your budget. That’s when they turned to the income side of the equation and started a ton of different... Read more »
  • VideoFlipping Furniture: How to Make $200+ This Weekend w/ Your First Furniture Flip
    Flipping furniture for profit is an increasingly-popular side hustle. You can make $150-250 per flip in your spare time, work with your hands, and potentially save items from the landfill with your upcycling efforts. Here's how to get started.... Read more »
  • mp3Domain Flipping: $70k+/yr Investing in Domain Names Part-Time
    Can you still make money in domain flipping? Last year, Mark Levine flipped 70 domain names, for around $160k in gross profit. Of that, he spent a little over half on renewal fees for his domain name portfolio and acquiring new domains to add to it, netting $70-80k for the... Read more »
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    Accidental Fire

  • Fit But Not Healthy, Wealthy But Not Rich
    It was the fall of 2019 and I was firing on all cylinders.  I was the lightest I had ever been in my adult life, my popping veins provided visual reminders of my well earned fitness.  I had just broken... The post Fit But Not Healthy, Wealthy But Not Rich... Read more »
  • T.G.I.F. Friday: Volume 40
    Welcome to “Thank God I’m FI” Friday, Volume #40! Here are some things I really like and that you might too.    Finance Articles Young FIRE Bloggers Remind Me Of Good Will Hunting (My Quiet FI) – “Don’t pursue it... The post T.G.I.F. Friday: Volume 40 appeared first on Accidental... Read more »
  • The U.S. Labor Market In A Pandemic
    The Bureau of Labor Statistics has had time to crunch the numbers of the U.S. labor market for calendar year 2020 and the official data are coming out.  Prior to March 2020, the U.S. labor market was on fire.  From... The post The U.S. Labor Market In A Pandemic appeared... Read more »
  • My Work Happiness Over Time
    Subscribe To New Posts Here! The post My Work Happiness Over Time appeared first on Accidental Fire.... Read more »
  • In Defense of Drudgery
    Drudgery gets a bad rap.  What is drudgery?  Merriam Webster defines it as “dull, irksome, and fatiguing work, uninspiring or menial labor”. Merriam’s first example of drudgery used in a sentence is “He hated the drudgery of his job.”  I... The post In Defense of Drudgery appeared first on Accidental... Read more »
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    Independently Financed

  • Two quirks to watch for when reporting 2020 unemployment compensation
    Become a Patron!There has been a fair amount of confusion and chaos around changes made to the taxation of unemployment compensation in the American Rescue Plan, so as I’m finishing up preparing my own 2020 taxes, I want to draw readers’ attention to one very important and one very minor... Read more »
  • Minimums, Anchors, and Thresholds
    Become a Patron!One of the most frustrating things that comes up almost immediately when you start talking to people about money is the way people treat certain purely regulatory or legislative figures as having some kind of moral or persuasive value.The example that has driven me crazy for years is... Read more »
  • What’s the real story behind the zillionaire widow defrauded by her grandsons?
    Become a Patron!Via TravelBloggerBuzz, last week I read a fascinating story about the resolution of a FINRA arbitration complaint against two JPMorgan financial advisors by their grandmother, whose money they had supposedly misallocated for the benefit of themselves and their employer. Unfortunately, for the usual reason (laziness) the business journalist... Read more »
  • 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 »
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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 »





    +

    Slowly Sipping Coffee

  • Embracing Life
    This time last year, I was talking about trying to get on board with the MFLC and figure life out from there. I had some things I was working on and damn if I haven’t gotten any to fruition. It seems frustrating and it can be, but if you remember... Read more »
  • Life Can Be SO “Overwhelming”: How I Tame It
    Now that I’m back to just having a single source of income, my adjunct position, I immediately have a crazy sense of pressure to “get back earning”, and “get a job” or “create a job” or “hit it big with day trading”, as soon as I study up a little... Read more »
  • Do You Take Payment in Soul Currency?
    Last week at some point, Angela from Tread LIghtly Retire Early tweeted about giving time versus money and it reminded me of what I did with my time when I wasn’t working. I found my time that I give is rewarded so much more in “soul currency” than money. If... Read more »
  • What to Do, What to Do?
    With all of this change that’s come about in the past couple of years, I figured I should revisit the “plan” since my retirement and savings got halved. I can’t say there are many complaints, considering how much we’d saved, so my half is a nice chunk of change. I... Read more »
  • 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 »
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    zen habits

  • Becoming Trustable
    By Leo Babauta As a husband, a father, a man … one of the things I crave most is for my loved ones to trust me. It’s something I want with my team, my readers, my coaching clients, the members of my Sea Change and Fearless Training programs. And I’ve worked... Read more »
  • The Guilt of Not Working More, When We’re Done for the Day
    By Leo Babauta At the end of a day of work, there can be a simple practice of wrapping things up and shutting down for the day. But so many of us feel guilty at simply stopping, and this feeling that we should be doing more … it drives some... Read more »
  • The Fear of Putting Our Work Out There
    By Leo Babauta One of the most common fears of anyone who is creating something, whether it’s online content or art or a new business or startup … is the fear of putting our work out there in the world. It’s a fear that has us procrastinating, researching endlessly, checking... Read more »
  • Allowing Ourselves to Feel Joy During the Day
    By Leo Babauta I’ve come to the realization that most of us don’t allow ourselves to feel joy most days. Sure, maybe on some kind of big occasion, we’ll let ourselves run around whooping with joy … but mostly not. Think about you past week: have they been joyful and... Read more »
  • Meaningful Impact When the New World Has Not Emerged Yet
    By Leo Babauta Our old lives are gone, and the new world has not been created yet. We’re in an in between state right now, and this can feel really shaky for a lot of us. There is a way that this in-between state, before the new reality emerges, can... 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

  • The Best Travel Rewards Credit Cards (2021)
    Paying for your everyday expenses with cashback credit cards is an easy way to make some extra money you can use for anything, including travel. But if you do a lot of traveling or if you’re planning for an upcoming trip, a good travel rewards credit card will give you... Read more »
  • Athreon Review (Platform for Transcriptionists)
    If you have solid typing skills and want a side hustle, transcription could be a good option for you. There are many platforms that offer transcription work. Here we’ll explore Athreon to help you discover if it could be the right choice for you. A Brief Overview Athreon has been... Read more »
  • Best Balance Transfer Credit Cards
    If you’re carrying a balance on your credit card and not able to pay it off in the short-term, you may want to consider transferring the balance to a new card. Some credit cards offer 0% interest on balance transfers for an introductory period of time. That means, instead of... Read more »
  • 5 Proven and Time-Tested Ways to Grow Your Net Worth
    Saving money and improving your financial stability is likely to be a priority for many people. Whether you’re looking to save for something specific or you simply want to stop living paycheck to paycheck, money is a primary concern for most of us. It’s easy to become discouraged if your... Read more »
  • 17 Side Hustles You Can Start With Your Stimulus Check
    Most Americans are receiving $1,400 in stimulus checks, with many couples and families receiving $2,800 or more. If you’ve already received the money, or are awaiting its arrival, you might be unsure of exactly how to use it. Sure, you could splurge since you have some free money, but before... Read more »