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    Mr. Money Mustache

  • Inflation – Should We Be Worried?
    I’ve been writing about money for almost eleven years now, and in that time the world has become an immensely richer place. Here in the US, our economy has grown by about 25% even after inflation, world economic output has grown even faster, and the number of people living in... Read more »
  • Our DIY Heat Pump Install – Free Heating and Cooling for Life?
    To most of the Internet, Mr. Money Mustache is known as the quirky early retirement financial guy, and this is a blog about Money. But really, I’m not a finance guy – someone who devotes most of his time to optimizing money. I’m more of a general Life Engineer –... Read more »
  • Three Months of Slacking
    “MMM, are you still alive?”– somebody on Twitter Holy Shit! I just realized that the last time I wrote a blog post for you was on April 18th, and now it’s late July. That’s an entire quarter of a year that I have let this wonderful, golden field of interesting... Read more »
  • VideoThe Self Educating Child
    So it looks like my 15-year-old is officially a high-school dropout. Halfway through ninth grade, emboldened perhaps by the taste of freedom that Covid-era remote learning had provided, he realized that the whole system was just too slow and inefficient for him, and was “Getting in the way of his... Read more »
  • 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 »
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    Financial Independence / Retire Early

  • Bucketing Target Date Funds for RE?
    Hi there, Wanted to get some opinions here on if I've overcomplicating things, or if this is actually a good idea. I'm thinking about "bucketing" my investments using several target date funds - the idea is that I'd invest enough in a TD 2085 fund to support expenses from 2085... Read more »
  • Daily FI discussion thread - Saturday, January 22, 2022
    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ... Read more »
  • Why are ETFs praised as the superior investment vehicle?
    Why are ETFs seeming more and more to be considered the better option compared to mutual funds? For this discussion let's compare VTI and VTSAX. I understand that ETFs are lower fee. In the case of VTI vs. VTSAX though, it's only a difference of 0.01%. If I had a... Read more »
  • UPDATE to "Have soaring real estate prices changed your FIRE timeline?"
    It's roughly about 1 year later and prices for RE atleast in the US have kept increasing even faster last year. Supposedly the average increase in listing in 2021 was 22.3% in my locality, which I believe might be the fastest annual increase ever. Just wanted to check in on... Read more »
  • Daily FI discussion thread - Friday, January 21, 2022
    Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ... Read more »
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    Early Retirement Extreme

  • Guest post: The Quest of Financial Bloggers to Save The World
    This is a guest post from Mr Money Mustache, a software engineer who retired at age 30 together with his wife. He is now 36 and has a 5 year old kid. You should definitely subscribe to his blog. A few months ago, I had an inexplicable need to start... Read more »
  • The disappearance of the middle class
    Zev pointed me in the general direction of Huffington Post and their posts about the disappearance of the middle class and what they refer to as “Third World America” and what we need to do to save it. As I was reading more and more I felt more like grabbing... Read more »
  • When To Retire? – Try Age 35
    This guest post is from Todd Tresidder who retired at age 35… 13 years ago. He wrote a book teaching you when to retire and publishes the web site FinancialMentor.Com providing various retirement planning tools including articles and calculators. I retired at age 35 (I’m now 48) and learned a... Read more »
  • Backlinks to earlyretirementextreme.com
    When someone posts a link to earlyretirementextreme.com, wordpress usually picks up a backlink which I usually delete since it is usually always spammers. However, I also enjoy what one could call backstalking, that is, watching the refering link on sitemeter when someone actually clicked into the blog. This mostly leads... Read more »
  • Ecological capitalism and consumer capitalism
    The Master said: “Ci, do you regard me as someone who learns much and commits it all to memory?” Zi-gong replied: “Yes, are you not?” The Master said: “No, I use one string to tie it all together.” — from the Analects of Confusius Have you ever noticed that what... Read more »
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    Go Curry Cracker!

  • Optimizing Your Finances (and Taxes!) in 2022
    (GCC: I am often asked, “Do you know any good CPAs?” and “What are some good tools for doing my taxes?” I never thought both questions could share a common answer – Kathryn from Making Your Money Matter is a CPA (who gets it) who has developed some very cool... Read more »
  • Investing Our Mortgage – An Experiment
    We bought a house, paid in full with cash. Then I got a small mortgage to invest for fun and profit. Most of this I put back into the market as a lump sum. Here are all the details. I will provide updates periodically to track total return. Investing the... Read more »
  • Dollar Cost Average vs Lump Sum
    “I have a big pile of cash. Should I go all in or invest it a bit over time?” Without exaggerating I’ve seen this question hundreds of time. Is there a right answer? Dollar Cost Average vs Lump Sum So you have this load of cash – maybe you got... Read more »
  • Happy Holidays!
    Happy Holidays everyone! I hope it has been a wonderful Christmas / holiday / dividend season for all. This was our first holiday season in the United States since we first hit the road back in 2012… 9 years ago? It’s been… different. For both Thanksgiving and Christmas we spent... Read more »
  • Resort Report: Miraval Austin
    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

  • Stock Picking Experiment With Dividend Growth Investor: Year 4 Update!
    In December of 2017, Dividend Growth Investor (DGI) asked me if I’d like to duplicate the famous Warren Buffett bet. For those unfamiliar, in 2008 Buffett famously challenged the hedge fund industry: Can you beat the S&P 500 over a 10 year period? Buffett won as the hedge fund got clobbered by... Read more »
  • New Video: DIY Update!
    When I started my YouTube channel back in 2019, I had grand plans: I can’t wait to show the world our DIY live-in flip! Mindy and I will take movies of our work and then show the world what we’re doing on YouTube. I’ll publish at least once a month!... Read more »
  • 2021, 2022, VTSAX And Chill
    Wait, 2021 is over already? What the heck happened? 2020 trudged along like a drunken sloth trying to scale Mt. Everest. 2021 seemed to fly by in seconds… 2021 was a pretty great year. I’m thankful for all of the adventures I got to experience: I’m even more thankful that... Read more »
  • Mile High FI: J. Money
    Budgets Are Sexy was one of the first blogs I discovered when I started my blogging journey. At the time, the author of the blog was J. Money, a mysterious dude who sported strange hair. I liked J. Money’s style. He wasn’t afraid to write about taboo topics like working... Read more »
  • BiggerPockets Money: Mindy, Me, And More Dinosaurs!
    In case you don’t know, Mindy-wife has her own online presence over at BiggerPockets. Specifically, she co-hosts the BiggerPockets Money podcast with Scott Trench. Mindy and Scott released their first episode in 2018. Since then, I’ve asked Mindy this question every month week day hour: In a very whiny and... Read more »
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    Mad Fientist

  • mp3The Escape Artist – FIRE in the UK
    The Escape Artist joins me on the Financial Independence Podcast to talk about pursuing FIRE in the United Kingdom! Read more → The post The Escape Artist – FIRE in the UK appeared first on Mad Fientist.... Read more »
  • mp3Bogleheads – Life After FIRE
    I joined a virtual Bogleheads meeting to talk about life after financial independence and early retirement! Read more → The post Bogleheads – Life After FIRE appeared first on Mad Fientist.... Read more »
  • How to Stack Tax Benefits for Even More Savings
    A Mad Fientist reader shares how he utilizes tax-advantaged accounts to unlock even more cost-saving benefits! Read more → The post How to Stack Tax Benefits for Even More Savings appeared first on Mad Fientist.... Read more »
  • mp3Fifth (and Final) Annual Update
    It's been five years since I left my full-time job so here's my fifth (and final) annual update on post-FI life! Read more → The post Fifth (and Final) Annual Update appeared first on Mad Fientist.... Read more »
  • How to Retire Early With Kids (14 of Them!)
    Learn how to retire early with kids from the dad who has 14 of them! Rob shares how his family achieved FIRE six years ahead of schedule. Read more → The post How to Retire Early With Kids (14 of Them!) appeared first on Mad Fientist.... Read more »
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    Millennial Revolution

  • How FIRE Changes Your Perception of Time
    Back in 2014, the year before I quit my job to travel the world, there was only one picture on my phone I’d taken that whole year, and this was it: This was a bacon latte I had at a board game café in Toronto, on a rare weekend where... Read more »
  • Our 2021 Portfolio
    What a year 2021 has been. A new US president. An attempted coup in Washington. The development of a miraculously effective vaccine in record time and the start of the largest global inoculation campaign in history, only to be derailed by a new super infectious variant just as the end... Read more »
  • Our 2021 Finances
    After the terrible experience in 2020 of being holed up away from family and friends, Christmas and New Year’s 2021 was a significant improvement. I mean, sure, we had to do a bunch of rapid tests and sure, we had to intersperse going to COVID booster appointments in between unwrapping... Read more »
  • Reflections on 2021
    Today’s post will be our last of 2021, and as we all endure yet another pandemic holiday season, with a new variant threatening to put us back into lockdowns and potentially roll back all the progress and sacrifice we’ve made over the last 2 miserable years, it’s easy to get... Read more »
  • Reader Case: Teachers Dreaming of FIRE
    Singing: “Oh, the weather outside is frightful, but the fire is so delightful, and since we’ve no place to go, time for a reader case, a reader case yo!” Hi Kristy and Bryce, I would like to first thank you for taking the “unbeaten path” and sharing your journey and knowledge with... Read more »
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    Can I Retire Yet?

  • What Are the Financial Advantages of Home Ownership?
    I recently read JL Collins new book How I Lost Money in Real Estate Before It Was Fashionable. I also updated the most popular article on this site, Darrow’s Renting vs. Buying: The True Cost of Home Ownership. Each makes a compelling case for renting. Still many of you, like... Read more »
  • Becoming a Beginner in Retirement
    In his book Beginners, author Tom Vanderbilt notes that the label adult beginner “has an air of gentle pity” associated with it. He hypothesizes that most people feel safer doing things we’re already good at. Being a beginner puts you in uncomfortable situations. But retiring, and especially retiring early, often... Read more »
  • My Investment Portfolio: 2022
    The stock market soared yet again this past year, in the middle of a pandemic and even with signs of inflation looming. Markets are unpredictable. Sometimes the surprises are good ones. But we’ve had a lot of those the last few years, so be prepared for some inevitable bad surprises... Read more »
  • December 2021 Best of the Web
    What a wild ride 2021 has been! The news was marked by heightened political tensions, a disastrous end to America’s longest war, and pandemic ups and downs. Economic events included continued massive government intervention, internet forums taking down sophisticated hedge funds, supply chain and labor market issues, and inflation returning... Read more »
  • Early Retirement Tax Planning Checklist
    ‘Tis the season for year end tax planning articles. During our accumulation phase, I mostly ignored them. I like keeping things simple with finances. This was easy with regards to tax planning in peak earning years. We had two predictable sources of income, were able to max out all our... Read more »
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    Frugalwoods

  • Chicken Feed And Other December 2021 Expenses
    We’re building a garage! Well, we’re planning on building a garage. Longtime readers know that one of the downsides of our Vermont homestead is its lack of a garage. Why this place has no garage is a mystery for the ages. My family in California all have garages. My family... Read more »
  • Reader Case Study: Nursing Student by Day, Restaurant Worker by Night, Needing to Make Ends Meet
    John is in his late twenties and lives in a small southern city in the US along with his cat. He recently made the decision to go back to school to become a nurse. Previously he worked at a nonprofit and, while he was passionate about the mission, the work/life... Read more »
  • You Can Still Join the Uber Frugal Month Group Challenge!
    Happy New Year and happy day one of the Uber Frugal Month Group Challenge! You can still join the group if you sign up in the box below by 11:59pm ET today (which would be Saturday, January 1, 2022). There’s a lot we can’t control about the New Year: what... Read more »
  • Reader Case Study: From Ukrainian Immigrant to Published Author to Librarian
    Puck works as a librarian and recently settled into a new job and new apartment in Boston, MA. Ve is also a writer and recently had vis first work of fiction published! Vis family immigrated to New York City from Ukraine in the early 90s and vis parents still live... Read more »
  • Join the January Uber Frugal Month Group Challenge!
    The Uber Frugal Month is BACK! Sign-up now to join me—and thousands of other frugal folks—for my free, month-long money makeover/bootcamp/analysis/party. Starting January 1st, I’ll send you an email a day with specific steps to improve your finances. There’ll be motivational mantras thrown in, but the primary purpose of the... Read more »
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    JLCollinsnh

  • 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 »
  • The new book is out!
    Check out the ultra cool cover by Jess LaGreca This is a very visual book. It is the painful tale of my very first real estate purchase and how it morphed into an even worse real estate investment. It is a litany of almost all the mistakes one can make,... Read more »
  • Are bonds done?
    In some corners of the investment world, word is bonds are toast. Truth be told, they have been out of favor for some time. Now, with interest rates on the rise — fueled by resurgent levels of inflation not seen since the 1980s  — investors’ fears are being realized. The... Read more »
  • Guess what I just finally read for the first time…
    That sounds improbable, right? After all, I wrote this book and published it back in 2016. Indeed, in one sense I have probably read this book more than any other person on the planet. I spent three full years writing and rewriting it over an over again till my eyes... Read more »
  • The negligence that led me to DIY investing
      Guest post from AR (Accidentally Retired) Growing up, my Grandpa was a “financial advisor.” Or perhaps he was a stock broker? I’m not sure. Whatever you want to call his profession, there was no doubt that he was a brilliant salesman, a lover of people, and someone who would talk... Read more »
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    Mr. Free At 33

  • 3 Cheap Dividend Aristocrat Alternatives To Consider Buying Now
    Want to buy high-quality stocks, but don’t want to pay a premium? Would you like to know about cheaper alternatives to three popular Dividend Aristocrats? Looking to collect safe, growing dividend income while you snag a better deal? Then you have to check out today’s video. For more on three... Read more »
  • These 5 Stocks Have Been Pounded Off Their Highs
    Like the idea of getting a good deal? Want to buy a stock after it’s dropped by 20% or more? Also want safe, growing dividend income to go along with a big discount? Then you have to check out today’s video. For more on five dividend growth stocks that are... Read more »
  • Time to Buy? This Thriving Retailer Has Recently Pulled Back
    Looking for an under-the-radar gem in the stock market? Want a market-beating yield and double-digit dividend growth? Like the idea of getting your shares at a significant discount? Then you have to check out today’s video. For more on a thriving retailer that could be an under-the-radar gem, check out... 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 »
  • Why This Life Hack Is The Ultimate Protection Against Inflation
    Concerned about inflation? Wondering how to protect your purchasing power over the coming decades? Want to know about a life hack that is the ultimate protection against inflation? Then you have to check out today’s video. For more on a life hack that is the ultimate protection against inflation, check... Read more »



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    The Wealthy Accountant

  • Christmas Every Day of the Year
    Find some place comfortable to read this post. Sit back, relax. Close your eyes. Empty your mind of all thoughts and worries.  Now I want you to go to a special place, a place in your memories. The memory is of a good time, a happy time, a time you... Read more »
  • Recovering from Identity Theft
    Identity theft went from a nuisance to a problem nearly everyone needs to address. It has become the number one question from clients this year as more people fall victim. There was a time identity theft meant you did something wrong, exposing your personal data. A few simple precautions prevented... Read more »
  • The Way to Wealth
    A government would be considered intolerable if it taxed people 10% of their time in service of the government. Yet idleness taxes many of us much more if we consider all the time spent checking email, our phone, social media and news feeds. All these activities add nothing of value... Read more »
  • 18 Tax-Free Sources of Income
    Not all income is treated equal. Ordinary income is treated the worst by the tax code. Long-term capital gains are granted preferential tax treatment. And some income is excluded from income entirely.  When planning for retirement or any financial goal, taxes play a vital role in how quickly the goal... Read more »
  • 10-Step Map for an Early Retirement Plan
    Retirement is the one universal goal. Some plan for a traditional retirement while others dream of cutting their own trail sooner. Early retirement is a worthy goal and achievable with a modest amount of planning. There are 10 things to consider before you submit your resignation. If you cover each... Read more »
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    Fiery Millennials

  • Time Well Wasted: 2021 Recap
    Well, folks. 2021 is coming to an end and 2022 is fast upon us. Which means it’s time for a recap post!  I wish I could say I did a lot of interesting and fun things this year. With the Covid-19 pandemic among us, fun and interesting things were few... Read more »
  • Let’s Meetup!
    I grew up staying fairly close to home. We took a few trips to neighboring states to visit a theme park or to see relatives for a week in the summer. I did get to visit my Grandma in Florida twice, once around age 8 and once around age 13,... Read more »
  • FIRE and Career Progression
    As my 31st birthday rapidly approaches, it routinely surprises me that I have been a working adult for a decade. As I reflect over my career, I wonder what the impact of my pursuit of FIRE has had on my career.  I started my career in the military as a... Read more »
  • Where the Monthly Status Reports End
    I’ve been posting monthly status reports for over 5 years now. I was inspired by bloggers like the Frugalwoods, Mr. 1500, J. Money and others. It was so helpful to see what successful people’s budgets and net worth progression looked like. I got so much use out of their reports... Read more »
  • Finding and Embracing My Superpower
    Gwen comes to grips with the fact she has ADHD and how that can help her move forward in life. She's turning it into her superpower.... Read more »
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    The Money Mustache Community

  • Re: Where do you stand on "living with Covid", "getting back to normal"
    I read that the one advantage the US has over Canada is more hospital beds per capita. So the number of sick patients the US can handle would overwhelm Canada’s hospital system. So kinda makes sense why Canada has had to be far more cautious. Of course...... Read more »
  • Travel insurance during covid?
    Hey Mustachians, I am taking a much needed vacation soon, and am wondering if I should get travel insurance. I know MMM advises self-insuring when possible, since insurance companies on average make money off of people. I already had covid, and I have ...... Read more »
  • Re: How much to raise rent w/o being a jerk?
    Quote from: Another Reader on January 22, 2022, 10:11:04 AMAs a long time landlord, I disagree with some of what has been said.  The costs of a tenant turn, especially with a long term tenant, can be significant.  The time to...... Read more »
  • Re: How much to raise rent w/o being a jerk?
    Quote from: Acorns on January 22, 2022, 10:32:38 PMThank you all for your responses. I like the idea about giving them lots of heads up that we will be catching up to market rate, like telling them this year the increase will...... Read more »
  • Re: Rental reporting and rent money
    Thanks everyone, interesting there were more people than I thought suggesting I can get away with not reporting. A few points, since I did verify my roommates income I know that he earns well above the amount to be able to claim the rental write off in...... Read more »
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    Early Retirement Extreme Forums

  • ERE Journals • Re: The complete planter's garden diary
    Continued,I could not help notice that after re-reading the analysis after several years, that there are still parallels in existence even after Trump's removal from office in 2020, which is still uncanny. Our version of "belonging" is mostly online, but other than that it is quite similar. ...The German workers,... Read more »
  • ERE Journals • Re: The complete planter's garden diary
    Then I suggest you find an appropriate forum to raise the question for a proper discussion with the community. In fact, I encourage it. It is an interesting question.Good luck.Statistics: Posted by plantingtheseed — Sat Jan 22, 2022 11:57 pm... Read more »
  • ERE Journals • Re: The complete planter's garden diary
    I'm merely trying to steer this towards a fruitful discussion in line with Jacob's guidance about political discussions: viewtopic.php?t=11859In particular: Insofar, there's politics that is relevant to ERE, I'll allow it in the appropriate subforum. However, any relevance better be of a very technical nature, e.g. contingency planning for health... Read more »
  • ERE Journals • Re: The complete planter's garden diary
    I recommend that you actually read the opinion piece and hold your tongue until you do, as they're intelligent people with thoughts of their own, as do I.Here's is the biography of the author: https://homerdixon.com/biography/I would kindly appreciate your qualifications, before we start discussing this question of yours, in the... Read more »
  • ERE Journals • Re: The complete planter's garden diary
    If you are convinced the USA is going the way of Nazi Germany, what is your plan? How does this tie in with ERE?Statistics: Posted by white belt — Sat Jan 22, 2022 10:35 pm... Read more »
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    Jillian Johnsrud

  • How the Greatest Entrepreneurs Deal with Imposter Syndrome
    Entrepreneur Magazine’s editor-in-chief, Jason Feifer, joins Jillian to give practical advice on how the greatest entrepreneurs deal with imposter syndrome.  Listen here at Libsyn, Apple, Castbox, Spotify, or your favorite player. There is no one correct answer when it comes to creating boundaries between your identity and your work. Some need significant separation, while... Read more »
  • Growing an Audience with Bold Authenticity with Tori Dunlap
    When your audience grows, so will your critics. Tori Dunlap shares how she stays bold and vulnerable for her community, even when the haters come with the territory.  Listen here at Libsyn, Apple, Castbox, Spotify, or your favorite player. Tori Dunlap’s socials exploded from 30,000 followers to over a million last year. So it’s... Read more »
  • Fire the Haters: Part 3
    Concluding their series on Jillian’s book, Fire the Haters, August and Jillian talk about overcoming struggles, trusting the process, and finding your identity in actions rather than outcomes.  Listen here at Libsyn, Apple, Castbox, Spotify, or your favorite player. With her book out in the world, Jillian moved from creating to managing her expectations... Read more »
  • How to Handle Internet Trolls with Pat Flynn
    Pat Flynn knows what it’s like to be criticized online, but by persevering, he has learned a few rules of engagement to help guide creators and entrepreneurs.  Listen here at Libsyn, Apple, Castbox, Spotify, or your favorite player. Early in his career, Pat Flynn had a very zealous hater. Everywhere his content was, there... Read more »
  • The Hope Effect
    Join Jillian, Joshua Becker, and The Hope Effect director Joe Darago to hear about how you can impact orphan care worldwide because every child deserves a family.  Listen here at Libsyn, Apple, Castbox, Spotify, or your favorite player. The first time Jillian encountered a foster parent, she was a teenager, but it profoundly impacted... Read more »
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    Done by Forty

  • VideoNoodling Electric Vehicles
    SourceI'm in the middle of Wallet Activism right now and it's changing the way I think about things. How we spend our money, sure. But also how we think about things. How do we make decisions, even with things that are free (or "free"). When I click on the free shipping... Read more »
  • VideoWay Too Transparent: All the Money We've Made (2022 update)
    Source.Another year in the books, another year of the pandemic to endure. Welcome to 2022, what promises to be the longest seventy three months in memory. Supply chains are stretched, we've collectively stopped trying to avoid giving each other COVID, inflation is rampant, and Tom Brady will win another Super Bowl... Read more »
  • Mediocre Advice for Dads Who Somehow Know Less Than Me
    When I first left work, I imagined I'd be writing multiple posts a week again like I did in the early years of the blog. Without the forty hours and ongoing stress of corporate employment, I'd be able to write a post on Monday and another mid-week, for sure.As usual,... Read more »
  • Government Makes the Market
    Early retirement has been a blessing in these long days of the pandemic. Our days went from a non-stop juggling of work, parenting, cooking, and cleaning to, well, a leisurely juggling act of the same things. Mrs. Done by Forty decided she wanted to keep working and it's been a... Read more »
  • Wealth Quartiles, and Who Is Rich, Anyway?
    The other day, a question came up on my Twitter feed. Do you consider yourself rich?I like this sort of question. Ideally, it inspires a little introspection and gets me to step back and get some perspective. Do I understand where we stand financially? Do I appreciate how lucky we... Read more »
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    Budgets Are Sexy

  • We’re Thinking About Hiring a House Cleaner …
    The post We’re Thinking About Hiring a House Cleaner … appeared first on Budgets Are Sexy. Soooo… my wife and I are having a debate right now (actually, it’s not so much a “debate”… it’s more like “we have decided, just discussing the pros and cons”) about hiring a *regular*... Read more »
  • 3 Quick Questions to Ask Yourself This AM
    The post 3 Quick Questions to Ask Yourself This AM appeared first on Budgets Are Sexy. Happy Monday, happy people! Just a short post today… Here are 3 simple questions to ask yourself this morning. Asking these questions once in a while (especially at the start of the work week)... Read more »
  • Should You “Lie” During Job Interviews?
    The post Should You “Lie” During Job Interviews? appeared first on Budgets Are Sexy. OK … I got a fun question for you today … Should you LIE during a job interview? Before you answer, let me give you a bit of context as to where this question comes from…... Read more »
  • So a Potato Farmer Walks Into the Outback …
    The post So a Potato Farmer Walks Into the Outback … appeared first on Budgets Are Sexy. In 1983, the Sydney to Melbourne Ultramarathon was one of the longest and toughest foot races in the world at the time. This race was a brutal 544 miles distance (yes, you read... Read more »
  • Net Worth Report #16 “Never Been Kissed” (Up $87,971) 📈
    The post Net Worth Report #16 “Never Been Kissed” (Up $87,971) 📈 appeared first on Budgets Are Sexy. Trying to build wealth without tracking your net worth is like not checking the road map because you’re too busy driving. How do you know if you’re headed in the right direction? ... Read more »
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    ChooseFI

  • mp3360 | A Primer for Success
    In this week's episode, Brad and Jonathan discuss different ways in which you can position yourself to experience as many positive outcomes in your life as possible. Whether it's building credit, saving, investing, education, understanding the true meaning behind the word "compounding," or really any other aspect of your life,... Read more »
  • mp3359 | SWOT Analysis for Financial Independence
    Now that you've done your beginning of the year audit, it's time to look at your finances through the lens of a SWOT analysis! In this week's episode, Brad and Jonathan examine the strengths, weaknesses, opportunities, and threats that may arise as you continue along your FI journey. By getting... Read more »
  • mp3358 | Getting Started Audit
    Welcome to 2022! In this week’s episode, Jonathan and Brad discuss starting your year by doing an audit of your current financial situation to highlight areas in which you can improve! It is critical to know how much you’re taking home in income and what your expenses over the coming... Read more »
  • mp3357 | 2021 Year End Wins | Part 2
    In our final episode of 2021, Brad and Jonathan pick up where they left off last week as they continue to listen to your end of year wins! It is truly amazing to hear about all the accomplishments our listeners met in 2021, and we hope you continue to ride... Read more »
  • mp3356 | 2021 Year End Wins | Part 1
    Happy Holidays! However, the holidays are not the only reason we are festive around this time of the year. Join Brad and Jonathan as they celebrate your end of the year wins! This episode is dedicated to all the amazing steps our community members have made throughout 2021, and we... Read more »



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    Military Guide

  • One Year Later: Financial Independence Follow Up
    [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 read this series before, here are the links to Ross’s first post about bumbling into financial independence and his second post.]   Dear reader,... Read more »
  • Under New Management: Again!
    Three Creeks Media bought The Military Guide.   You can read the text of the press release at the end of this post. Here’s more information behind the sale of two top military financial-independence blogs. For the last few years, The Military Guide blog has been owned & operated by... Read more »
  • Did DFAS And The TSP Let You Contribute Too Much?
    Check your 2021 TSP contributions now! I’ve heard from three different servicemembers that the Defense Finance and Accounting Service and the Thrift Savings Plan have failed to stop their TSP contributions after reaching the elective deferral limit ($19,500 in 2021). This problem is caused by a glitch in a January... Read more »
  • 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 »
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    The Frugal Vagabond

  • Retire Early in France – Without All The Tax
    We recently declared ourselves Financially Independent, which is definitely a weird and uncertain feeling. We'll likely wait a couple more years to retire early, add to our FIREhouse (ha!) savings, and augment our early retirement travel budget a bit. Even though RE is a still a little ways out, we've... Read more »
  • Getting a Spanish Driver’s License
    Getting a Spanish Driver's License is intimidating. I'll break down each step of the process and help you get on the road with your very own EU license. The post Getting a Spanish Driver’s License appeared first on The Frugal Vagabond.... Read more »
  • Living Abroad: Five Essential Survival Skills
    Living abroad is as alluring as it is polarizing. Five skills that will make your life abroad a success. The post Living Abroad: Five Essential Survival Skills appeared first on The Frugal Vagabond.... Read more »
  • Spanish Non-Lucrative Visa Renewal
    Spain can get under your skin. In the course of living here for the full first year of our non-lucrative visa, we’ve come to love our home, our city, Spanish food and culture, and most of all, the close friends… The post Spanish Non-Lucrative Visa Renewal appeared first on The... Read more »
  • Surgery in Thailand: Bumrungrad International Hospital
    I seek treatment at Bumrungrad International Hospital for a growth in my chest. How did it go? Was it cost effective to travel to Thailand for medical care? The post Surgery in Thailand: Bumrungrad International Hospital appeared first on The Frugal Vagabond.... Read more »
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    The Millionaire Educator

  • Back to School: Quarantine College 2020-2021!
    Greetings millionaires!  When the Covid-19 quarantine began back in March of 2020, I suddenly had a lot of free time to fill.  My daily routine of working out, jogging, reading, cooking, and red wine was going along great, but I needed a “special project” to make the most of my... Read more »
  • Financial Update for August of 2021
    Greetings future and current millionaires.  A few years back, I wrote that I would continue to do net-worth updates until we hit the $2 million dollar mark.  Well, that means that this will be my last net-worth update. Finally, a Millionaire in My Own Right As the stock market has... Read more »
  • 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 »
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    Financial Samurai

  • How To Feel Better About Losing Lots Of Money In The Stock Market
    If you invest in the stock market, you’ll eventually experience emotions of euphoria, greed, fear, uncertainty, and self-loathing. The more emotionally weak you are, the less likely you’ll enjoy investing in stocks and holding on for the long term. Losing money stinks. Given I spent my career working in equities... Read more »
  • The Right Contribution Order Between Your Investment Accounts
    With so many tax-advantaged and taxable investment accounts, it may be hard to figure out the right contribution order. Between our family of four, we’ve somehow managed to open up 14 investment accounts over the years! Thankfully, technology has enabled us to keep track. If you’re on the path to... Read more »
  • FS Goals For 2022: Less Work, Way More Fun!
    I’ve been waiting to publish my 2022 goals until now because there’s some whacky statistic out there that says most people give up on their goals by January 15. Therefore, by waiting until after January 15, I have circumvented this sad reality! 2022 is finally the year to live it... Read more »
  • How Having Kids Can Make You A Richer And Better Person
    Much has been written about the high cost of having kids. Spending $300,000 – $1,000,000 per kid through high school is a lot of money. However, less has been written about how having kids may make you richer and a better person. Let’s change the dialogue with this article now... Read more »
  • The Average Hours Worked Per Week Explains Why It’s Easy To Get Ahead
    One of my most reviled posts is called, Do People Really Only Work 40 Hours A Week Or Less And Complain Why They Can’t Get Ahead? The post paints me as an unsympathetic person full of tough love. “Thank you sir! May I have another!” I wrote the post back... Read more »
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    Afford Anything

  • mp3#360: Ask Paula: I’m Worried My Parents Are Getting Ripped Off By Their Financial Advisor … Help!
    [smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA360.mp3" title="Ask Paula: I’m Worried My Parents Are Getting Ripped Off By Their Financial Advisor … Help! " 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" ] I’m worried my parents are getting ripped off by their financial advisor. What should I do? My wife is trying... Read more »
  • mp3#359: The Four Quadrants of A Successful Life, with Andrew Hallam
    [smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA359.mp3" title="The Four Quadrants of A Successful Life, with Andrew Hallam " 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" ] Money, relationships, health and purpose: life is running smoothly when all four of these elements are working together in tandem, like wheels on a car. But... Read more »
  • mp3#358: Ask Paula: Should I Invest in Index Funds More Actively?
    [smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA358.mp3" title="Ask Paula: Should I Invest in Index Funds More Actively?" 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" ] Where is the balance between the risks and potential returns of actively and passively investing in index funds? Where do you place your savings after you max... Read more »
  • mp3#357: Practical Investing and the Efficient Frontier, with Joe Saul-Sehy
    [smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA357.mp3" title="Practical Investing and the Efficient Frontier, with Joe Saul-Sehy" 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" ]  Discussing advanced investing topics with me is former financial planner Joe Saul-Sehy. You may recognize him from the Ask Paula episodes, but we discuss financial topics shared in... Read more »
  • mp3#347: The Radical Invention of the Index Fund, with Robin Wigglesworth
    [smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA347.mp3" title="The Radical Invention of the Index Fund, with Robin Wigglesworth" artist="Paula Pant" social="true" social_twitter="true" social_facebook="true" social_gplus="true" social_linkedin="true" social_stumble="true" social_pinterest="true" social_email="true" ] . In today’s episode, we learn about the revolutionary ideas that paved the path to passive investing. We learn about the radical invention of the index fund.... Read more »
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    Accidental Fire

  • How I Evolved In 2021 In Semi-Retirement
    I’ve done updates on my total spending and my business income for 2021.  This last update will be about everything else, and how I continue to evolve in semi-retirement. Firstly, more numbers.  If you’re reading this on a full computer... The post How I Evolved In 2021 In Semi-Retirement appeared... Read more »
  • T.G.I.F. Friday: Volume 60
    Welcome to “Thank God I’m FI” Friday, Volume #60! Here are some things I really like and that you might too.   Financial Independence/Retirement Articles This Will Solve All Your Problems (FITE Addiction) – “The next time you go shopping... The post T.G.I.F. Friday: Volume 60 appeared first on Accidental... Read more »
  • How Much Did I Make in 2021 Selling Graphic Designs?
    Regular readers know I semi-retired to 20 hours a week at my main job in 2017 after reaching financial independence years before.  Since then much of my newly freed time has been spent on what started as a fun side... The post How Much Did I Make in 2021 Selling... Read more »
  • What I Spent In 2021
    Another year done and dusted, and that means another spending report.  Although I’ve been blogging for over 4 years now, this is only my second annual spending report. I did one for 2020 because I was curious about my lower... The post What I Spent In 2021 appeared first on... Read more »
  • T.G.I.F. Friday: Volume 59
    Welcome to “Thank God I’m FI” Friday, Volume #59!  And Happy New Year – Let’s all kick ass and take names in 2022! Here are some things I really like and that you might too.   Financial Independence/Retirement Articles The... The post T.G.I.F. Friday: Volume 59 appeared first on Accidental... Read more »
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    Independently Financed

  • My paid family leave journey: my leave, payments, and surprise redetermination
    This is the third and final (for now) entry in my series about navigating the District of Columbia’s universal paid family and medical leave program. You can find the first entry here and the second entry here. My family leaveDuring my paid leave period I flew back and forth across... Read more »
  • My paid family leave journey: application, timing, hiccups, and approval
    Become a Patron!This is the second entry in what will be an occasional series about my navigation of the District of Columbia’s universal paid family and medical leave program. You can find the first entry here. Getting your application readyLike every interaction with the government here, applying for leave requires... Read more »
  • My paid family leave journey: Introduction
    Become a Patron!   This is the first entry in what will be an occasional series describing my (hopefully successful) attempt to navigate making a claim through Washington, DC’s paid family and medical leave program for the first time. Before I start describing the process, I think it’s important to... Read more »
  • Labor scarcity and the Scandinavian model
    Become a Patron!Like anyone with a pulse, I’ve been following with interest the nationwide panic over so-called “labor shortages,” supposedly popping up everywhere from grocery stores to restaurants to the long-haul trucking industry. Needless to say, what I’ve seen so far hasn’t particularly impressed me. It’s become a cliche on... Read more »
  • Inflation is a transfer from creditors to debtors (that means you)
    Become a Patron!I have lately seen some very muddled thinking about supply chains and inflation, and I would like to remind confused readers of some very basic economics that will hopefully not only put your minds at ease, but possibly even lift up your spirits. Inflation is always and everywhere... 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 »
  • How Much Can a Greenhouse Extend the Growing Season?
    Last year I designed and built a hoop house for around $650 in materials. I didn’t want to waste money heating the thing, so the plan was to keep it passive. Since I never worked with an unheated greenhouse before, … Continue reading → The post How Much Can a... Read more »
  • Should I Pay Off My Mortgage?
    Having a paid off house has always been a goal. Living mortgage-free sounds awesome, but it can also put the brakes on financial growth. Any money put toward home equity is robbing investment accounts of hard working capital. After years … Continue reading → The post Should I Pay Off... Read more »
  • How to Get Started Hunting Mushrooms
    I love hiking in the woods, racing to the top of a mountain to take in a satisfying view. Lately however, I’m less interested in flying up rocks and roots to see the world from afar. I’ve found an even … Continue reading → The post How to Get Started... Read more »
  • Reflecting on Two Years of Early Retirement
    For years, I spent my days waking up early and rushing to wash, dress, and sit in traffic only to sit in a cube waiting to rush home. All that time, I was propped up by dreams of a freer … Continue reading → The post Reflecting on Two Years... Read more »
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    The Happy Philosopher

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





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    Slowly Sipping Coffee

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

  • How to Make the Most of Your 24 Hours
    By Leo Babauta So many of us feel a scarcity of time: we feel rushed, like there’s not enough time to do everything, always behind, never feeling like we’re doing enough. This problem is called “time scarcity,” and it’s one of the most common stresses in our society. So how... Read more »
  • A Quick Guide to Planning Your Year
    By Leo Babauta The beginning of the year offers such a beautiful blank slate. A fresh beginning is something to take advantage of: we can start anew, and reinvent our lives. If you’re feeling like you’re in a bit of a rut, this is the perfect time to make the... Read more »
  • Essential Zen Habits of 2021
    By Leo Babauta This was quite the year of change for Zen Habits, and everyone in the world. Chaos, growth, uncertainty, tragedy, joy, meaning. It’s hard to encapsulate it in words, because it contains multitudes and contradictions, but this has been such a year of powerful change. In this post,... Read more »
  • Slow Holidays
    By Leo Babauta For the past couple of Decembers, I’ve created a lot of spaciousness and slowness for myself. It’s a beautiful way to wind down the year and reflect on my life. The holiday season can be a rushed affair for many people, but it doesn’t have to be.... Read more »
  • Interstitial Ritual: Finding Focus & Mindfulness in Your Day
    By Leo Babauta We will often start our days with the best of intentions … and then promptly get caught up in a chain of busywork, messages, opening browser tabs, checking on things, answering email … … and soon the day has gone by and we wonder what we did... 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

  • 20 Alternative Investments (Alternative Assets for Your Portfolio)
    Although common investments like stocks and mutual funds may be the first thing that comes to mind when you think about investing, there are plenty of other options out there. In fact, the number of available alternative investments is increasing as you can easily find and invest in many different... Read more »
  • Webull vs. Robinhood: Commission-Free Trading Apps (2022)
    Investing in the stock market is easier than ever before. Stock trading apps like Robinhood and Webull have led the way and made it possible, removing many of the barriers that prevented people from investing in the past. In this Webull vs. Robinhood review, we’ll look at the details of... Read more »
  • Webull vs. Public: Which is the Better Trading App? (2022)
    Today’s investors have many options when it comes to online brokerages and investing apps. With so many choices, it can be hard to know which one is right for you. In this Webull vs. Public.com comparison, we’ll look at two of the most popular trading platforms. With commission-free trades and... Read more »
  • M1 Finance vs. Webull: Which is the Best Brokerage? (2022)
    There are so many different investment apps and online brokerages available that it can be challenging to know which one is right for you. In this M1 Finance vs. Webull review, we’ll compare two popular apps that serve different purposes. While they have some similarities, M1 Finance and Webull have... Read more »
  • 17 Free TV Apps for No-Cost Entertainment
    In the last ten years, we have seen significant changes in the way we as consumers choose to access and view our entertainment. Almost 25% of adults in the United States regularly use Netflix to stream TV shows and movies, and around 60% of 18-34-year-olds regularly stream shows or movies... Read more »