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    Mr. Money Mustache

  • 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 »
    Published: December 18, 2020 - 1:22 am
  • 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 »
    Published: November 10, 2020 - 3:30 am
  • 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 »
    Published: October 23, 2020 - 4:27 pm
  • VideoSocially Responsible Investing: Is It Also More Profitable?
    Since the Dawn of Mustachianism in 2011, the same question has come up over and over again: And in these nine years since then, the movement towards socially responsible investing has only grown. Public pension funds have started to “divest” from oil company stocks, and various social issues like human... Read more »
    Published: August 22, 2020 - 6:59 pm
  • The Sweet Spot
    “Success can get you to the top of a beautiful cliff, but then propel you right over the edge of it.” As a Mustachian, there’s a good chance that you are a bit of an overachiever.  Maybe you fought hard to get exceptional grades in school, or perhaps you have... Read more »
    Published: August 4, 2020 - 10:57 pm
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    financial independence / early retirement

  • ● New to investing? Sign up for Wealthsimple with my referral code to get $10!
    You have 30 days to add a referral code after you created a WS account. Click the gift icon on the top right and add my code: SA5MAQ We'll both get $10 after you deposit $100. Wealthsimple Trade is Canada's first $0 commission stock trading app – sign up now... Read more »
    Published: January 28, 2021 - 9:46 am
  • ● Remember all those scary post about "Passive Investing taking over the market and killing all growth opportunity"?
    The Big Short’s Michael Burry Explains Why Index Funds Are Like Subprime CDOs Every so often someone would post here some article or column about how the fact that "everyone is moving into index investing and how that would kill the market", as there would be no untapped value stocks... Read more »
    Published: January 28, 2021 - 5:23 am
  • Weekly Self-Promotion Thread - January 27, 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 »
    Published: January 27, 2021 - 10:00 am
  • Daily FI discussion thread - Wednesday, January 27, 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 »
    Published: January 27, 2021 - 10:00 am
  • FIRE & Health-insurance across state lines
    Similar to this thread, but more specific https://www.reddit.com/r/financialindependence/comments/l55nmf/how_does_fire_work_w_end_of_life_and_health/ I have a great set of doctors (primary & specialists) in a city that is known for great healthcare & medical research. Even though I've moved for work long ago, I've kept those doctors, and my workplace EPO & PPO plans cover... Read more »
    Published: January 26, 2021 - 3:22 pm
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    Early Retirement Extreme

  • ● My dreams of becoming a “slumlord”
    I would actually much prefer to gain my income directly from housing (or my own business) rather than the stock market (REIT’s being a decent compromise). So far I have thought of buying an N-plex and living in one of the units. However, I just found out that it is... Read more »
    Published: January 28, 2021 - 10:08 am
  • VideoThe lifestyle design blog drinking game
    As any college student knows, using cliche based material in a drinking game is a great excuse to get drunk, and what better way to find cliches than reading about lifestyle design, since these days pretty much every lifestyle is a design except of course those icky conventional ones that... Read more »
    Published: January 27, 2021 - 10:08 pm
  • DIY $4 rake
    DW wanted a rake to get the cuttings off of the lawn, whereas I just wanted to let them be… So I built a rake. The rake is made out of a $2 8 foot long 2×4 which I ripped [lengthwise] with a handsaw. I used one part for the... Read more »
    Published: January 27, 2021 - 10:07 am
  • VideoActive learning
    I just learned the toe drag scoop which is probably my greatest shot at ever pulling off the Michigan move in inline hockey. Of course any 12 year old player can probably do this. Then again it’s been years since I was 12. Learning is most effectively achieved when three... Read more »
    Published: January 26, 2021 - 10:02 pm
  • Downsizing party
    In case you don’t read all the comments (note that it is possible to get all the comments in a single feed), I wanted to highlight an idea from Oasis in a recent comment of having a downsizing party. You invite your friends to your home, the price of admission... Read more »
    Published: January 26, 2021 - 10:01 am
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    Go Curry Cracker!

  • Scared to Death of Early Retirement, No More. An Update.
    {GCC – Since publication 6 years ago of the widely popular financial review for ‘The Bobs’ , people have inquired on social media, email, blog comments, and even in person, “Where are they now? Please tell us how it turned out!” Not wanting to let you all down, I asked... Read more »
    Published: January 4, 2021 - 10:04 am
  • Happy Holidays!
    Happy winter solstice, Merry Christmas, and Happy New Year to all of you fellow financiers and adventurers-in-place. And Happy Hanukkah! Happy Kwanzaa! Happy Diwali! Happy Festivus! Seasons Greetings! This was our 8th full year of post-work life. 2020… man, what a year. We started the year on the ski slopes... Read more »
    Published: December 21, 2020 - 12:11 pm
  • Award Travel Series: Your First Five Credit Cards
    Advertiser Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Opinions, reviews, analyses... Read more »
    Published: December 7, 2020 - 9:49 am
  • A Simple Year-End Tax Checklist
    The end of the calendar yes is quickly approaching, and that means it is time to run through our year-end tax checklist. The simpler the better. Here are a few important items to review and actions to take. Year-End Financial and Tax Checklist Estimate total annual income Q4 dividends, interest,... Read more »
    Published: November 30, 2020 - 5:27 am
  • Joining the Country Club
    Since we won’t be traveling for the next couple of years, we have decided to spend our time, energy, and dollars in another way… Recently we joined the American Club Taipei – a country club style organization dedicated to “camaraderie, sports, entertainment, relaxation and a range of high quality dining... Read more »
    Published: November 25, 2020 - 12:33 pm
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    1500 Days to Freedom

  • Tesla Test Drive: Butt Y?
    If you’ve read this blog recently, you’ve noticed that I blabber on about Tesla a lot. I bought the stock back in 2012 and it has since gone to the moon. Yay! I didn’t buy the stock for any good reason. I just thought Elon Musk and electric cars were... Read more »
    Published: January 20, 2021 - 11:04 am
  • Stock Picking Experiment: Year 3 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? Only one hedge fund accepted the bet... Read more »
    Published: January 18, 2021 - 1:41 pm
  • 2020 Review: Tesla Takes Off, Big Tech Dominates, And Friends
    Yay, 2020 is over! We could all use a break from the drama. And the virus. But here in Colorado, life is still pretty good and I have much to look forward to in the new year. But, I’ll save that for another time. First, we must discuss 2020. Money... Read more »
    Published: January 11, 2021 - 7:27 pm
  • December Performance Update, Day 2921: Up $156,573
    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 »
    Published: January 1, 2021 - 11:26 pm
  • November Performance Update, Day 2890: Up $284,823 (Short-Term Silliness)
    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 »
    Published: December 28, 2020 - 4:53 pm
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    Millennial Revolution

  • The Wealth Trap
    During our normal nomadic existence (which we are super chomping at the bit to get back to any day now), we get to meet all sorts of interesting people: entrepreneurs, digital nomads, World-Schoolers, friends from the FIRE community. And because we had been travelling so long, we had gotten into... Read more »
    Published: January 25, 2021 - 2:30 pm
  • Our 2020 Finances: How Much Did We Make?
    (Click here for Part 1 to see how much we spent. Click here for Part 2 to see our portfolio performance)   Be an engineer. Don’t be a writer. Writers don’t make any money…. …except when they do. I never thought I’d ever make a livable income as a writer.... Read more »
    Published: January 18, 2021 - 2:30 pm
  • Our 2020 Finances: How Did Our Portfolio Do?
    (Click here for Part 1 to see how much we spent this year.) Alright! 2020 is finally over! We made it! Just barely, but we made it! At the beginning of this year, we were hanging out in Chiang Mai, Thailand. We were riding high off the surprisingly strong stock... Read more »
    Published: January 11, 2021 - 2:30 pm
  • Our 2020 Finances
    To say that 2020 has been challenging is an understatement. After the devasting news about Wanderer’s dad’s brain cancer diagnosis, we immediately cut our nomadic life short by hopping on the 2nd to last plane back to Canada from Taiwan, just before all the borders closed. With 2020 at an... Read more »
    Published: January 4, 2021 - 3:15 pm
  • How Introverts Experience the Holidays
    As we near the end of 2020 — aka “the dumpster fire that seemingly never ends”– and COVID-19 continues ruining our holidays with forced shutdowns all over the world, I started to wonder, is there anyone that’s actually benefiting from the cancellation of holidays plans? Could some people actually not... Read more »
    Published: December 28, 2020 - 2:30 pm
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    Can I Retire Yet?

  • January 2021 Best Of The Web
    This month I have a collection of interesting articles on a diverse set of topics. I start with resources looking at risk management from different vantage points. We also examine the challenge of opting out of activities and lifestyles of those that surround you. I share a great resource to... Read more »
    Published: January 25, 2021 - 12:00 pm
  • Not Going Back To Work
    A few years ago, I became frustrated with repeatedly hearing the flippant FIRE mantra that you should retire as soon as possible. Conventional wisdom among the FIRE crowd is that in a worst case scenario you can always “just go back to work.” In response, I wrote a detailed analysis... Read more »
    Published: January 18, 2021 - 1:00 pm
  • My Investment Portfolio: 2021
    This time last year I wrote about the surprisingly good market returns in 2019. Well, the market did it again, in the middle of a pandemic and a volatile election. Do we need any more proof that markets are unpredictable? Sometimes the surprises can even be good ones. In 2020,... Read more »
    Published: January 11, 2021 - 2:52 pm
  • Making A Fresh Start
    Most people are skeptical when they read about people who achieve FIRE (financial independence, retire early). Conventional wisdom says saving a high percentage of your income to become financially independent in only a decade or two is for the privileged few. When I first started reading FIRE blogs, I admit... Read more »
    Published: January 4, 2021 - 3:24 pm
  • December 2020 Best Of The Web
    We’re in the home stretch. 2020 is coming to a close! I don’t know anyone that isn’t ready to flip the calendar and start a new year. Before we do, it’s worth taking time to reflect on a few things. This was a pretty average year for the stock market... Read more »
    Published: December 28, 2020 - 1:11 pm
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    Root of Good

  • 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 »
    Published: January 12, 2021 - 10:30 am
  • November 2020 Early Retirement Update
    Well folks, we've almost made it through 2020! Thanksgiving is over and the Christmas/New Years holidays are rapidly approaching. Even though the way we celebrate these holidays will likely look different this year, they are always something I look forward to.  In November, we were able to get outside a... Read more »
    Published: December 8, 2020 - 10:30 am
  • October 2020 Early Retirement Update
    Happy November! With Halloween behind us and Thanksgiving just around the corner, life is pretty fun right now. The weather here in North Carolina is beautiful this time of year with generally cool nights and pleasant days. And the leaves on the trees grow more vibrant each day.  We did... Read more »
    Published: November 12, 2020 - 10:30 am
  • September 2020 Early Retirement Update
    Another fun month has flown by! Mrs. Root of Good and I should be driving through Northern Spain right now. Instead, we are keeping busy here in North Carolina while enjoying this wonderful fall weather. The kids are busy with virtual school during the days. Evenings and weekends are pretty... Read more »
    Published: October 12, 2020 - 9:30 am
  • August 2020 Early Retirement Update
    Time flies when you're having fun. We're all having fun, right? Summer just flew by and we are officially feeling fall here in North Carolina. It's cooling off some and the kids are back in (virtual) school so it definitely feels like fall even if the calendar says we have... Read more »
    Published: September 8, 2020 - 9:30 am
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    Frugalwoods

  • This Month On The Homestead: Pancakes, Snow and Tractor Stuff
    December 2020 Christmas at home and online, daily hikes, snowshoeing, baking cookies, fires burning in the wood stove and wrestling children into snowsuits. These are a few of our December things. And Bernie’s visit to the Glamour Shed. Pandemic “Homeschool” Continues My ‘give them real jobs’ approach to “homeschooling” continues... Read more »
    Published: January 26, 2021 - 2:19 pm
  • Reader Case Study: Young Professionals Plan for a Wedding, Gender Confirmation Surgery and Financial Independence
    June and Daniel are young professionals living the DINK (dual income; no kids) life in Chicago. While they’re grateful for the higher salaries the city offers, they’re not loving the urban hustle. They have a number of near-terms goals, including celebrating their wedding, gender confirmation surgery for Daniel, buying their... Read more »
    Published: January 15, 2021 - 2:24 pm
  • Dryer Parts And Other December 2020 Expenses
    The FINAL month of 2020 was one of gift-buying, food-buying, and tractor repair parts-buying. Also dryer parts. Plus liquor. And some beer. According to our expenses, we were either: a) giving gifts; b) eating and drinking; and/or c) repairing stuff. Sounds about right. A Festive At-Home Christmas We celebrated a... Read more »
    Published: January 8, 2021 - 2:40 pm
  • The Uber Frugal Month Starts Today (and you can still sign-up!)
    It’s 2021, baby!!! 2020–that miscreant of a year–is gone. Today we begin the brave new adventure of a wholly transformed life. JK. Life looks exactly the same. BUT, you can start the year off right with the Uber Frugal Month Group Challenge. If you sign-up today (by 11:59pm EST on... Read more »
    Published: January 1, 2021 - 1:42 pm
  • Merry Pandemic Holidays! How We’re Celebrating, How Readers are Celebrating
    Merry Pandemic Holidays!!!! We’re ready to celebrate how much we love our families by…. not seeing them!!! This holiday season will be different, but no less merry and jolly. Primarily I will achieve this by making as many desserts as I’d make if we were hosting 15 people. Since there... Read more »
    Published: December 22, 2020 - 3:10 pm
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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 »
    Published: December 24, 2020 - 6:13 pm
  • 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 »
    Published: June 13, 2020 - 12:45 am
  • 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 »
    Published: April 22, 2020 - 5:40 am
  • Part XVII-B: ETF vs. Mutual Fund — What’s the difference?
    While I touched on it in Part XVII, the differences between ETFs and Mutual Funds is a recurring question here. Perhaps I should have covered it better. Let’s do that now. We’ll use VBTLX and its ETF version, BND, as examples since those were my choices in my most recent move.... Read more »
    Published: April 14, 2020 - 11:16 pm
  • Reviewing the comments on my post of April 1st
    Boy howdy. I’m going to have to be sure to look more carefully at the calendar before I put up a post with momentous news.  Thank you for the outpouring of your mostly kind and creative comments on it. I’m impressed. Not one of you seriously believed I’d cracked the... Read more »
    Published: April 5, 2020 - 11:24 am
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    Mr. Free At 33

  • This Dividend Stock Is Cheap… And Pays A Safe, Market-Beating Dividend
    High-quality tech stocks that remain investable are rare. Valuations have been stretched. Yields, as a result, have shrunk. But I recently found a tech stock that offers both value and yield. For more on this high-quality dividend growth stock, check out our latest video HERE. What do you think? Did... Read more »
    Published: January 27, 2021 - 11:04 am
  • 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 »
    Published: January 24, 2021 - 11:25 am
  • One Of The Best Stocks To Buy Now
    This is a near-bulletproof business. That’s because it’s providing a necessary service to millions of captive customers. And they’re earning lots of profit and paying out big dividends by doing so. Plus, the stock looks attractively valued right now. For more on this high-quality dividend growth stock, check out our... Read more »
    Published: January 21, 2021 - 11:57 am
  • 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 »
    Published: January 17, 2021 - 11:22 am
  • Grab This Stock Before It Races Higher
    Nobody wants disease. And if there’s a therapeutic out there that can help eradicate it from your life, you’re likely to do whatever necessary to procure that treatment. Well, this company steps into that role and provides the world with some of the very best drugs known to man. By... Read more »
    Published: January 15, 2021 - 2:37 pm



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    The Wealthy Accountant

  • Money Lesson You Forgot to Teach Your Children
    Here is what I said to Brooke, "Do you know what unconditional love is?" She nodded. "Well, mom, Heather and I love you unconditionally. We love you and will never stop loving you. Ever! I know we work hard to be frugal and save and invest. But this is why.... Read more »
    Published: December 21, 2020 - 5:49 pm
  • Bill Gates, Elon Musk and Books for Success
    The books the most successful people alive today recommend might surprise you. Elon Musk mentions The Lord of the Rings and Douglas Adams's Hitchhikers Guide to the Galaxy more than once when listing must-read books.  These books might seem like strange choices, but when you think about it these and... Read more »
    Published: November 13, 2020 - 12:02 pm
  • Deduct Work Expenses When Working From Home
    The timing could not have been worse for remote workers. The Tax Cuts and Jobs Act of 2017 nixed the deduction for work from home expenses and other unreimbursed employee business expenses.  Prior to the TCJA it wasn't the best deduction in the world either. You had to itemize to... Read more »
    Published: October 28, 2020 - 6:12 pm
  • 5 Things Millionaires Spend On
    When it comes to the blogs and other tracts providing information on building wealth, frugality carries most of the weight. And it makes sense. The greater the difference of income over spending is a strong determinant of the level of wealth an individual will achieve during their lifetime as compared... Read more »
    Published: October 9, 2020 - 4:13 am
  • The Financial Agony of COVID-19: Part II
    Five months ago COVID-19 was just getting started. Fear was rampant. People and businesses made rushed decisions with long-term consequences. In the U.S. fewer than 10,000 people had died from the virus, yet fear was many more would die.  Over concerns clients and readers (that is you my kind friends)... Read more »
    Published: September 24, 2020 - 1:26 pm
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    Our Next Life

  • Retire Early Without Harming Others // A Hard Look at FIRE and Racial Inequality
    My last post was about how the discourse of the FIRE community upholds systemic racism, but today's is much more personal. This is about how our choices as individuals -- as investors, as people choosing where to live, as earners, as tax payers and as charitable givers -- impact and... Read more »
    Published: June 29, 2020 - 10:19 pm
  • 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 »
    Published: June 1, 2020 - 9:26 pm
  • 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 »
    Published: March 25, 2020 - 7:20 am
  • 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 »
    Published: February 12, 2020 - 8:57 am
  • Two Years of Early Retirement // Impact, Lessons and Future Changes
    It's exactly two years since we waved goodbye to our careers and embarked on our early retirement, what we always thought of as our next life. Now we're reflecting on what we've learned and accomplished in these first two years of this next chapter of life, along with what we... Read more »
    Published: December 16, 2019 - 8:46 am
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    Fiery Millennials

  • Year in Review: 2020
    Huzzah! We are done with 2020! What a huge relief. In some ways, 2020 was a great year for me. It was also simultaneously a horribly wretched year at the exact same time. The first few months of the year were off to a fantastic start. I started getting settled... Read more »
    Published: January 15, 2021 - 8:08 am
  • Monthly Status Report December 2020
    Disclaimer: some links may be affiliate links. They help offset the cost of keeping this blog running! Why do I do a monthly status report? I find it best to do a monthly status report for a few reasons. It helps me evaluate how I did the previous month. Did I hit a target reduction in spending or did... Read more »
    Published: January 6, 2021 - 6:00 am
  • Best Buys of 2020
    As I compile all of my financial stats for this weird and messed up year, I find myself reminiscing on some of the best purchases I made in 2020. Now, best is subjective. Was it the best deal? Was it the purchase that provided the most joy? The one that... Read more »
    Published: December 30, 2020 - 12:58 pm
  • Makin’ Plans
    TL;DR — My boyfriend and I are makin’ plans to integrate our lives together with the idea being to get married and start a family in the near-ish future! Over a year ago, I met the most wonderful man in the world and snapped him up to make him mine.... Read more »
    Published: December 27, 2020 - 11:37 am
  • Monthly Status Report: November 2020
    Disclaimer: some links may be affiliate links. They help offset the cost of keeping this blog running! Why do I do a monthly status report? I find it best to do a monthly status report for a few reasons. It helps me evaluate how I did the previous month. Did I hit a target reduction in spending or did... Read more »
    Published: December 13, 2020 - 8:00 am
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    Early Retirement Extreme Forums

  • Video● Friends & Family Questions • Re: An ERE dating site
    from what ive read somewhere (taleb maybe?) the low participation in religion in europe is due to government regulation, which creates a lack of competition that discourages new customers. Religion isn't really regulated in Europe, a few countries like England and Denmark (I think ?) still have an established, state... Read more »
    Published: January 28, 2021 - 9:35 am
  • ● Housing Questions • Re: Housing Cooperative as ERE Living Space
    I have an idea, lets do a kickstarter for upscale urban tent campgrounds in LA.This already exists in New York. Sleep in a tent for a low, low $1100/night.My expenses for living out of my SUV this last summer were closer to $800 for a whole MONTH. And I used... Read more »
    Published: January 28, 2021 - 8:05 am
  • ● ERE Journals • Re: 39 & Looking to retire this year. Advice appreciated
    If you’re still making your paltry 4% you’ll need $350,000 from your retirement account. Tack on a 10% penalty and you have a $385,000 withdrawal. You still have to pay income tax on this as if you worked for it -- which of course you did, in a prior year.... Read more »
    Published: January 28, 2021 - 7:44 am
  • ● ERE Journals • Re: Western Red Cedar's Journal
    There's no time for a silly job with that list! Really cool and varied. I especially love the idea of living on your families land and making a documentary about it. That would an amazing accomplishment for your whole family. Especially with the old photos! Can you imagine making it... Read more »
    Published: January 28, 2021 - 5:45 am
  • ● Money Questions • Re: Investments Trade Log
    https://www.zerohedge.com/markets/sec-j ... volatilityDave Portnoy's little speech embedded in this article will one day be in wikipedia as an example of Irrational Exuberance/Stock Market Euphoria. And he probably believes what he's saying!Statistics: Posted by Der Leiermann — Thu Jan 28, 2021 12:40 am... Read more »
    Published: January 28, 2021 - 5:40 am
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    Early Retirement Extreme Forums

  • Video● Friends & Family Questions • Re: An ERE dating site
    from what ive read somewhere (taleb maybe?) the low participation in religion in europe is due to government regulation, which creates a lack of competition that discourages new customers. Religion isn't really regulated in Europe, a few countries like England and Denmark (I think ?) still have an established, state... Read more »
    Published: January 28, 2021 - 9:35 am
  • ● Housing Questions • Re: Housing Cooperative as ERE Living Space
    I have an idea, lets do a kickstarter for upscale urban tent campgrounds in LA.This already exists in New York. Sleep in a tent for a low, low $1100/night.My expenses for living out of my SUV this last summer were closer to $800 for a whole MONTH. And I used... Read more »
    Published: January 28, 2021 - 8:05 am
  • ● ERE Journals • Re: 39 & Looking to retire this year. Advice appreciated
    If you’re still making your paltry 4% you’ll need $350,000 from your retirement account. Tack on a 10% penalty and you have a $385,000 withdrawal. You still have to pay income tax on this as if you worked for it -- which of course you did, in a prior year.... Read more »
    Published: January 28, 2021 - 7:44 am
  • ● ERE Journals • Re: Western Red Cedar's Journal
    There's no time for a silly job with that list! Really cool and varied. I especially love the idea of living on your families land and making a documentary about it. That would an amazing accomplishment for your whole family. Especially with the old photos! Can you imagine making it... Read more »
    Published: January 28, 2021 - 5:45 am
  • ● Money Questions • Re: Investments Trade Log
    https://www.zerohedge.com/markets/sec-j ... volatilityDave Portnoy's little speech embedded in this article will one day be in wikipedia as an example of Irrational Exuberance/Stock Market Euphoria. And he probably believes what he's saying!Statistics: Posted by Der Leiermann — Thu Jan 28, 2021 12:40 am... Read more »
    Published: January 28, 2021 - 5:40 am
    +

    Done by Forty

  • 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 »
    Published: January 25, 2021 - 1:00 pm
  • 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 »
    Published: November 23, 2020 - 1:00 pm
  • 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 »
    Published: September 21, 2020 - 12:00 pm
  • FIRE Buys You Class...Whether You Want it or Not
    Pursing financial independence is an exercise in class mobility. No matter what economic class you start in, or what class you like to tell people you're a member of, when you have enough money to never have to work again, you're functionally wealthy: you're now part of the upper class.Doing... Read more »
    Published: September 14, 2020 - 12:00 pm
  • Equality or Equity?
    We Americans, it seems, are at the end of our pandemic ropes. Whatever collective actions we were going to take to whip this virus, it sure looks like we've already taken them.We are tired, tired of all of this, and we want to return to some sort of normalcy. Return... Read more »
    Published: September 8, 2020 - 12:00 pm
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    Budgets Are Sexy

  • Would You Accept a Car as a Gift? Asking for a Friend …
    The post Would You Accept a Car as a Gift? Asking for a Friend … appeared first on Budgets Are Sexy. Hypothetically, let’s say you know a guy who owns a 2010 Prius. The car is mechanically reliable, fully paid off, and lightly used. Then one day, this hypothetical guy... Read more »
    Published: January 25, 2021 - 10:30 am
  • Side Hustles: They’re Not Just About Extra Money
    The post Side Hustles: They’re Not Just About Extra Money appeared first on Budgets Are Sexy. About 10 years ago, I got a phone call from my Dad. He was really excited… ”Hey Joel, guess what!? Me and Dr. Pat are starting a band! It’ll be me, Dr. Pat, Brassy,... Read more »
    Published: January 22, 2021 - 10:30 am
  • Is Brewing Your Own Beer Cheaper Than Buying? Yes, After 261 Beers!
    The post Is Brewing Your Own Beer Cheaper Than Buying? Yes, After 261 Beers! appeared first on Budgets Are Sexy. I’d like to introduce you to Jeffery, my kegerator… I built Jeffery back in 2014. He cost about $1,500 in parts to make and is the cornerstone of my homebrew... Read more »
    Published: January 18, 2021 - 10:30 am
  • 2 Big Investing Mistakes That Actually Made Me Smarter
    The post 2 Big Investing Mistakes That Actually Made Me Smarter appeared first on Budgets Are Sexy. Back in 2013, I bought 25 shares of Tesla stock. I remember seeing electric cars starting to pop up around my neighborhood at the time and thought they were so cool! Like most... Read more »
    Published: January 15, 2021 - 10:30 am
  • Why I’m Transitioning Away from Rental Properties
    The post Why I’m Transitioning Away from Rental Properties appeared first on Budgets Are Sexy. First, I must preface: this is not an anti-real estate post. I think real estate is an excellent wealth building tool, and don’t want to discourage anyone out there from buying rental properties. That being... Read more »
    Published: January 11, 2021 - 10:30 am
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    ChooseFI

  • mp3290 | We're Talking Millions | Paul Merriman
    Does your portfolio own enough of the companies that carry a lot of the growth over extended periods of time? When you buy index funds, you aren't as diversified as you think you are. Cap weighted index funds mean you are buying a lot of the companies that are doing... Read more »
    Published: January 25, 2021 - 6:00 am
  • mp3289 | The Roth 401K and Meal Planning Made Easy
    For almost 12 months, we've all been trying to do the best that we can. As frequently discussed on the show, we try to do things slightly different, optimize in the ways that we can, and make the best of the situation. Jonathan's wife Dani has been coming up with... Read more »
    Published: January 22, 2021 - 6:00 am
  • mp3288 | Mad Fientist
    Should you rush to reach FI? Or use it as a map in a lifelong pursuit to master your relationship with time, money, and happiness? Brandon, from the Mad Fientist, wishes he would have found more free time to work on other goals while on his journey to FI. When... Read more »
    Published: January 18, 2021 - 6:00 am
  • mp3287 | The Examined Life
    Are you the kind of person who sets New Year's resolutions? Like many Americans, Jonathan used to set weight loss goals for the new year, but not this year. Instead, he and his accountability partner, JD Roth, spent the previous nine months working on it and began the year, at... Read more »
    Published: January 15, 2021 - 6:00 am
  • mp3286 | I Like to Dabble
    Many industries we once believed were recession-proof have proven otherwise. What can we do to build multiple streams of income and the resilience needed so that we're not reliant on anyone else for financial security? Side hustles and passive income are key strategies. Daniella worked for an IT company for four... Read more »
    Published: January 11, 2021 - 6:00 am



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    Military Guide

  • 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 »
    Published: January 14, 2021 - 4:00 pm
  • 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 »
    Published: December 31, 2020 - 4:00 pm
  • 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 »
    Published: December 4, 2020 - 4:24 pm
  • 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 »
    Published: November 19, 2020 - 4:00 pm
  • 2020 Veterans Day Free Meals & Discounts
    Many companies offer Veterans Day discounts and free meals. We list the most popular free meals, discounts, and freebies. The post 2020 Veterans Day Free Meals & Discounts appeared first on Military Guide.... Read more »
    Published: November 4, 2020 - 8:35 pm
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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 »
    Published: October 5, 2020 - 4:00 pm
  • 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 »
    Published: March 2, 2020 - 2:00 pm
  • 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 »
    Published: August 22, 2019 - 1:32 pm
  • 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 »
    Published: February 7, 2019 - 2:00 pm
  • 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 »
    Published: July 22, 2018 - 9:00 pm
    +

    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 »
    Published: December 13, 2020 - 11:02 pm
  • 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 »
    Published: March 29, 2020 - 9:59 pm
  • 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 »
    Published: March 24, 2020 - 3:01 pm
  • 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 »
    Published: January 2, 2020 - 6:32 pm
  • 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 »
    Published: November 26, 2019 - 1:09 pm
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    Financial Samurai

  • The Recommended Split Between Passive And Active Investing
    Passive and active investing are two ways to make investment returns in the stock market. Since my first job in finance, I’ve always actively invested some of my funds to chase unicorns. The question is: what is the best split between passive and active investing? If you are only a... Read more »
    Published: January 27, 2021 - 11:18 am
  • The Best Money-Making Solution After Being Rejected By A Company
    Have you just been rejected by a company you desperately wanted to join? Are you now feeling melancholy because your future isn’t going as planned? Don’t worry! I’ve got a money-making and heart-mending solution for you. In Three White Tenants, One Asian Landlord, I wrote about my experience getting rejected... Read more »
    Published: January 25, 2021 - 2:29 pm
  • NewRetirement Review: An Excellent Retirement Tool
    If there’s one thing I love to do, it’s plan for retirement before retirement and during retirement. The more you can plan for retirement, the more retirement success you will likely have. In the old days, I would write everything out on a spreadsheet and update each line item every... Read more »
    Published: January 22, 2021 - 6:18 pm
  • The Best Time To Retire May Be Under A Democratic President Like Biden
    Like many of you, I’ve been wondering how Joe Biden, a Democratic President will affect my life. And I’ve come to the conclusion the best time to retire may be under a Democratic President. For those who are close to retirement or constantly thinking about retirement, this post is dedicated... Read more »
    Published: January 20, 2021 - 11:18 pm
  • Three White Tenants, One Asian Landlord: A Story About Opportunity
    I realized the other day that all my tenants are White. I’d never thought about my tenants’ racial makeup until I read an article by Washington Post journalist, Michelle Singletary, entitled, “The Legacy Of Slavery Made My Grandmother Fear Investing.” Michelle writes how discriminatory policies of the past shaped the... Read more »
    Published: January 18, 2021 - 4:28 pm
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    Afford Anything

  • mp3#297: Ask Paula – Should I Househack or Pay Off My Student Loans?
    [smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA297.mp3" title="Ask Paula: Should I Househack or Pay Off My Student Loans?" 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" ] George is torn between paying down his student loan debt (which he deferred) or buying a househack. Which is better for his long-term goal of reaching... Read more »
    Published: January 25, 2021 - 7:43 pm
  • mp3#296: Investing is the Art of Probabilistic Thinking
    [smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA296.mp3" title="Investing is the Art of Probabilistic Thinking" 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" ] There’s a lot happening in the market. The Dow is at a new high, there are runaway stocks causing irrational exuberance, and yet, unemployment claims are on the rise. How... Read more »
    Published: January 20, 2021 - 1:05 pm
  • mp3#295: What Your Childhood Taught You About Money, with Rachel Cruze
    [smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA295.mp3" title="What Your Childhood Taught You About Money, with Rachel Cruze" 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" ] Have you ever stopped to wonder why you find it so painful to part with your money? Or why money seems to slip through your fingers as... Read more »
    Published: January 12, 2021 - 4:38 pm
  • mp3Video#294: Ask Paula – If I Were to Interview Suze Orman Again Today, How Would It Go?
    [smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA294.mp3" title="Ask Paula: If I Were to Interview Suze Orman Again Today, How Would It Go?" 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" ] Jeffrey is curious: if I were to interview Suze Orman today, would I agree more or less with her thoughts on the... Read more »
    Published: January 4, 2021 - 2:34 pm
  • mp3#293: The One Question That Makes Everything Easier, with Geoff Woods
    [smart_track_player url="https://traffic.libsyn.com/secure/paulaandjaymoney/AA293.mp3" title="The One Question That Makes Everything Easier, with Geoff Woods" 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 you ready to say goodbye to bad habits from 2020 and say hello to habits that will actually guide you toward the person you want to... Read more »
    Published: January 1, 2021 - 5:24 pm
    +

    Accidental Fire

  • What I Spent In 2020
    I’ve never had a budget.  Ever.  I’m not against them and I actually think they’re probably necessary for those who overspend or who have a bad relationship with debt and money.  But I wasn’t one of those folks thankfully.  If... The post What I Spent In 2020 appeared first on... Read more »
    Published: January 26, 2021 - 9:15 am
  • Jeff Bezos Holds Up Line At Food Mart With Stack Of Coupons
    MEDINA, WA – According to local reporters and irate eyewitnesses, Amazon, Inc. CEO Jeff Bezos held up the line at the Medina, Washington Food Mart for over 20 minutes when he presented a huge stack of coupons to the cashier. ... The post Jeff Bezos Holds Up Line At Food Mart... Read more »
    Published: January 22, 2021 - 9:30 am
  • More Adventures In Upcycling
    I reached financial independence and semi-retired in my mid 40’s.   By any subjective measure I lead a pretty sweet life. Sure, I followed the basic formula to reach FI – spend way less than you earn, invest the difference, and... The post More Adventures In Upcycling appeared first on Accidental... Read more »
    Published: January 19, 2021 - 9:15 am
  • T.G.I.F. Friday: Volume 34
    Welcome to “Thank God I’m FI” Friday, Volume #34! Here are some things I really like and that you might too.    Finance Articles Barista FIRE: Not Quite Financial Independence, But Pretty Close (Financial Panther) – “For me, the idea... The post T.G.I.F. Friday: Volume 34 appeared first on Accidental... Read more »
    Published: January 15, 2021 - 9:15 am
  • Optimize Your Money And Health By Becoming A Robot
    Last week I posted about the stellar year my business had in 2020.  This post is about how I became a robot in the same year. When COVID plowed into our lives and most states instituted some level of stay... The post Optimize Your Money And Health By Becoming A... Read more »
    Published: January 12, 2021 - 9:15 am
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    Independently Financed

  • Good reasons to own bonds
    Become a Patron!For as long as I’ve been writing about money, I’ve been saying almost everybody owns too many bonds. My argument has nothing to do with “risk” or “volatility” or “rebalancing.” It’s much simpler than that: bonds don’t pay enough in interest. If and when they start paying more... Read more »
    Published: January 9, 2021 - 9:20 pm
  • Understanding one (positive) nuance of the latest federal relief
    Become a Patron!One of the most immediate consequences of the laziness of finance and economics reporters is that they’re incapable of exerting themselves to understand any issue that doesn’t affect them personally. Since journalists are also savers and investors, at least through their retirement plans, if a source says something... Read more »
    Published: December 31, 2020 - 1:17 am
  • How big a deal is reinvestment risk?
    Become a Patron!When financial professionals talk about investing, the conversation invariably turns to the question of “risks.” This is a term of art only vaguely related to its everyday meaning. Ordinary people don’t talk about “upside risk,” for example. That’s the possibility that your investment will perform better than anticipated... Read more »
    Published: December 18, 2020 - 9:47 pm
  • Is investment behavior “coaching” possible?
    Become a Patron!Ever since I took my first job in college as a sandwich artist, I’ve been suspicious of the American reluctance to talk about money. The franchisee scumbag who hired me told me how much I’d be making, and told me not to tell any of the other employees.... Read more »
    Published: December 9, 2020 - 8:04 pm
  • Unreduced Social Security spousal and dependent benefits and the family maximum
    Become a Patron!Last week I wrote about the way age differences can play an important role in thinking about the timing of Social Security old age benefit claims. Specifically, spouses need to take into account two separate variables: the increase in the primary worker’s old age benefit by delaying their... Read more »
    Published: October 27, 2020 - 8:42 pm
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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 »
    Published: August 11, 2020 - 1:53 pm
  • 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 »
    Published: January 3, 2019 - 10:09 pm
  • 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 »
    Published: October 23, 2018 - 1:04 pm
  • 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 »
    Published: September 18, 2018 - 2:27 pm
  • 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 »
    Published: August 14, 2018 - 12:22 pm
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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 »
    Published: September 9, 2019 - 11:06 pm
  • 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 »
    Published: August 5, 2019 - 6:50 pm
  • 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 »
    Published: July 15, 2019 - 12:38 am
  • 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 »
    Published: May 1, 2019 - 3:06 am
  • 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 »
    Published: April 16, 2019 - 1:51 am





    +

    Slowly Sipping Coffee

  • Perspective Affects Everything
    Just because something does or doesn’t happen to you doesn’t necessarily mean that it doesn’t occur. The best example of this is the latest conversation that I had with my brother. For example, my whole life I felt like he, my sister and my mom had this strange close bond... Read more »
    Published: January 25, 2021 - 6:32 am
  • Adventures in Shopping: How I Got My First “Good” Banjo
    When my Dad “left” the phone company, he was offered a buyout and a boost of his pension and benefits to make it seem as if he had worked a full 35 years. To the best of my recollection, he was at 33 years +/- but he’d been dealing with... Read more »
    Published: June 22, 2020 - 6:49 pm
  • Return to Normal? Not Exactly
    Back when we first started thinking about early retirement, or later on, our Fully Funded Lifestyle Change, we had ideas about what that life would look like in ALL the ways. We expected it would be a happy little family, with ALL the time to hang out together, we would/could... Read more »
    Published: June 17, 2020 - 5:06 pm
  • 12 Money Tips for the Newly Single
    Today’s post, is a guest post from Anne at UniqueGifter.com. Anne loves finding the perfect gift idea that’s on budget. She has been writing about gift giving and personal finance online since 2012, as owner of  UniqueGifter.com. Her favourite beverage is champagne and she loves figure skating, even if it’s... Read more »
    Published: June 9, 2020 - 11:00 am
  • Change is Hard, but NOT Impossible
    With 2020 being what it is, and especially recently, with the murder of George Floyd by police officers, I felt I needed to write something from my perspective. This has little to nothing to do with personal finance, but if you’ve read any of my blog, you realize, neither does... Read more »
    Published: June 1, 2020 - 3:51 pm
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    zen habits

  • Stateless
    By Leo Babauta Every day, we are dealing with a thousand things, overrun by emails and messages and tasks and chores … and it can become overwhelming and shut us down. I’d like to talk about an idea I’ve been working with, called the Stateless Protocol. It’s meant to reduce... Read more »
    Published: January 23, 2021 - 1:28 pm
  • The Challenge of Doing Hard Challenges
    By Leo Babauta This year, I’m doing a series of 40-day discomfort challenges, as a way to continue my training in falling in love with discomfort and uncertainty. It’s a training I’ve been doing for 1 1/2 decades now, but I’ve been deepening into it even more in the last... Read more »
    Published: January 21, 2021 - 2:03 pm
  • How to Do the Thing You’re Avoiding
    By Leo Babauta Most of us have something on our task list we’re avoiding. Or a project we’ve been putting off. Think for a moment: what’s the task or project you’ve been avoiding lately? Some possibilities: That report you don’t want to write Your book or blog you’ve been meaning... Read more »
    Published: January 16, 2021 - 1:45 pm
  • A New Year is a Beautiful Fresh Start
    By Leo Babauta At the beginning of every year, it’s like a blank slate: the year can be whatever you want it to be. This is freeing, exhilarating, magical. Take advantage of it, my friends. Of course, we always have the magic of a fresh start available to us —... Read more »
    Published: January 8, 2021 - 2:17 pm
  • Essential Zen Habits of 2020
    By Leo Babauta What a freaking year it’s been. I don’t need to tell you. It’s been chaos and grief and frustration and anxiety and much more. It’s also been a year of growth for me, and for my mission. In fact, in that area, it’s been one of the... Read more »
    Published: January 1, 2021 - 5:31 pm
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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 »
    Published: May 1, 2019 - 3:38 pm
  • 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 »
    Published: April 12, 2019 - 10:11 pm
  • 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 »
    Published: January 17, 2019 - 10:09 pm
  • 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 »
    Published: October 5, 2018 - 9:28 pm
  • 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 »
    Published: August 24, 2018 - 12:51 am
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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 »
    Published: August 4, 2020 - 12:27 pm
  • 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 »
    Published: July 30, 2020 - 10:00 am
  • 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 »
    Published: July 27, 2020 - 5:00 am
  • 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 »
    Published: July 23, 2020 - 10:00 am
  • 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 »
    Published: July 20, 2020 - 10:00 am
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    Vital Dollar

  • Flipping Furniture for Profit: A Flexible Side Hustle Opportunity
    When it comes to side hustle ideas and ways to make extra money, online opportunities like blogging and affiliate marketing tend to get the most attention. But there are plenty of other opportunities that offer great potential and the possibility to start making money right away. Flipping used items is... Read more »
    Published: January 27, 2021 - 11:18 am
  • Best Places to Sell Clothes Online
    De-cluttering your space and getting rid of some old things that no longer bring joy to your life is a surefire way of clearing your mind and making room for more meaningful, exciting things to come. Whether it’s an old favorite dress that you haven’t worn since college but feels... Read more »
    Published: January 25, 2021 - 11:55 am
  • 50+ Financial Freedom Quotes to Motivate and Inspire
    The journey towards financial independence or financial freedom definitely comes with some challenges. When challenges and frustrations stand between you and your goals it can be helpful to find a little extra inspiration and motivation. Fortunately, there are plenty of quotes and short sayings that come from a variety of... Read more »
    Published: January 21, 2021 - 10:53 am
  • The 10 Best Investment Apps for Growing Your Money
    Smartphones make it easy to access information at any time, and what better way to make use of technology than to grow your money? In the past few years, loads of new financial apps have been released, and some older ones have been improved. In the past, we’ve looked at... Read more »
    Published: January 19, 2021 - 4:15 pm
  • 13 Legit Ways to Get Free Stocks: Earn Shares of Your Favorite Companies
    What could be better than owning stock in growing companies and increasing your net worth? How about getting those stocks for free! As crazy as it sounds, there are actually several different ways that you can get free stocks. A number of companies and apps are giving away shares of... Read more »
    Published: January 18, 2021 - 11:12 am
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    Journey To Launch

  • Episode 197- How to Rewire Your Brain for Wealth and Financial Success w/ Barbara Huson
    Listen & Subscribe: on iTunes, Google Play, Stitcher, Soundcloud, Google Podcasts, Android Device (This post may include some affiliate links) What would you be able to accomplish if you did what scared you? This week on the podcast, I have Barbara Huson, best selling author, financial therapist, teacher and wealth coach. ... Read more »
    Published: January 27, 2021 - 10:00 am
  • Episode 196- Our Real Estate Journey Part II & How We Almost Lost $44,000
    Listen & Subscribe: on iTunes, Google Play, Stitcher, Soundcloud, Google Podcasts, Android Device (This post may include some affiliate links) In my second real estate venture, my husband and I almost lost $44,000. After buying my first condo, I was very interested in real estate and I was excited to reap... Read more »
    Published: January 22, 2021 - 10:00 am
  • VideoEpisode 195- Healthcare Options for Financial Independence, Early Retirement Seekers and Entrepreneurs w/ Lynn Frair
    Listen & Subscribe: on iTunes, Google Play, Stitcher, Soundcloud, Google Podcasts, Android Device (This post may include some affiliate links) What should I do about my healthcare? This is one of the questions I get asked most frequently regarding financial independence/ retire early and entrepreneurship.  This week on the podcast I... Read more »
    Published: January 20, 2021 - 10:00 am
  • Episode 194- Starting a Mobile Bank and FinTech Company with Sheena Allen
    Listen & Subscribe: on iTunes, Google Play, Stitcher, Soundcloud, Google Podcasts, Android Device (This post may include some affiliate links) This week’s guest, Sheena Allen, is the youngest Black woman CEO and founder of a bank. Sheena created CapWay, a digital banking app and financial service provider, with the goal of... Read more »
    Published: January 13, 2021 - 10:00 am
  • Using Debt as a Tool
    *The following is an article that I wrote in partnership with Digital Federal Credit Union, DCU* While I’m a big proponent of paying off and eliminating consumer debt as fast as possible, I’m also an advocate of using debt responsibly as part of our financial and life toolbox. Without discipline... Read more »
    Published: January 12, 2021 - 4:56 pm