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    Mr. Money Mustache

  • The Economics of Divorce
    Even in the most carefully run and financially independent of lives, there will be some wrenching twists and turns. Friendships and businesses will fail. You or your loved ones will get sick and some of them will die. Kids will have plenty of trouble on their long road to adulthood... Read more »
  • How to Retire Forever on a Fixed Chunk of Money
    These last two articles have focused on how common it is for early retirees to continue making money after they say goodbye to the cubicle. I share stories like that because I’ve seen it happen in so many lives, including my own. Plus, if you do it right, work is fun.... Read more »
  • VideoAn Interview With The Man Who Never Needed a Real Job
    “Dear Mr. Money Mustache… I’d like to retire soon. I’ve had a good career and the numbers say I’m just over the threshold, but I’m still afraid. It would help if I had a solid plan for what to do after retirement – perhaps even make some money eventually. Because... Read more »
  • What Everybody Is Getting Wrong About FIRE
    In case you hadn’t already noticed it in the news, it seems we are hitting a  turning point in how the rest of the world perceives this lifestyle that you and I have been enjoying. First, we were ignored. Then, there were a few stories that just focused on the... Read more »
  • What Really Goes on at MMM Headquarters
    I’d love to retire early, but then what?  … Although I retired about thirteen years ago, and continue to be retired, about one year ago I opened up a little business on Main Street here in Longmont, Colorado. It is a multi-purpose gathering space, under the guise of a coworking... Read more »
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    ChooseFI

  • mp3110R | Change the Input
    Voicemails from the ChooseFI community about saving on grocery bills, making life changes to optimize your circumstances, and a travel suggestion, as well as a review of Monday’s episode and updates from Brad and Jonathan about bills, travel, solar panels and more. For more information, visit the show notes at... Read more »
  • mp3110 | A Millionaire Next Door Case Study | Rocky Lalvani
    Rocky Lalvani, blogger at Richer Soul, shares his story of growing up as an immigrant’s child, learning how to save money in his early years, and how he’s teaching his own children about finances now.   Rocky’s parents came to the U.S. in 1968, when Rocky was 2 years old.... Read more »
  • mp3109R | “Bear” Perspective
    Big ERN from Early Retirement Now joins the show to talk about the current market climate: How is it impacting investors, who could benefit, and what markers he uses to evaluate its actual condition? We also share a voicemail from Abby, who provides a few more helpful hints for teaching... Read more »
  • mp3109 | Exploring International Teaching Opportunities | Scott & Rob
    Scott, a math teacher in Santiago, Chile, and Rob, a blogger at Getting Canned, share their experiences teaching abroad, including the financial and lifestyle benefits, and the how-to for making it happen. For more information, visit the show notes at https://ChooseFI.com/109 ... Read more »
  • mp3108R | How to Calculate Your Savings Rate
    Brad and Jonathan talk through the various methods of calculating a yearly savings rate and the numbers necessary to do so, and review Monday’s episode about setting up special needs accounts.   Jonathan is back from 20 days with family in Zimbabwe, and Brad recaps his Christmas vacation. Brad and... Read more »
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    Early Retirement Extreme

  • It was me …
    I started leaving some magazines (Businessweek, Outside, Bon Appetit), in the laundry room and lo and behold, at least one other person picked up on the idea and started leaving magazines as well, so now I have access to National Geographic. Next, I’ll try leaving some CDs and see what... Read more »
  • First impressions count — fitting square pegs into round holes
    I’m still amused by a comment about Early Retirement Extreme I just read on reddit. Granted reddit is the archetypical site of the “tl;dr, but have opinion anyway”. Perhaps this is why the comment was so funny. On the other hand, it also shows the challenge of this site to... Read more »
  • A modest prediction for the next 20 years
    Predicting the future always provides an excellent opportunity to make a fool out of oneself. One is almost destined to be wrong on some part or the other. If nothing else, the timing might be off, or the details may not be exactly right. I have noted that whereas pre-1980... Read more »
  • Most people …
    Most people have been told what to think and what to think about, Most people have been rewarded by focusing on what they have been told to focus on. Most people, therefore, are not curious. Most people are told what to do and get rewarded accordingly Most people follow procedures... Read more »
  • MBTI and societal behavioral patterns
    I think the reason that many people have the need to spend so much money and save more than 1 million for retirement is that is that they feel that security is achieved through ownership of multi-bed/bathroom houses (castles) that are built around car garages that house full size cars... Read more »
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    Physician on FIRE

  • EquityMultiple: An Interview With CEO Charles Clinton
    I’ve personally invested in a handful of crowdfunded real estate deals. I wouldn’t want to recommend investments to my readers that I wouldn’t be open to investing in, myself. One of those investments, which happens to be my first and largest to date, was with EquityMultiple. I like that they... Read more »
  • Calculating the Value of Your Backdoor Roth Contributions
    I recently published a detailed article questioning the Marginal Value of the Backdoor Roth. I wanted to answer a simple question. “Is it worth doing?” The answer I came up with? Probably, yes. Unless you’ve got significant obstacles, namely a tax-deferred IRA in your name that you can’t easily roll... Read more »
  • The Sunday Best (1/13/2019)
    The Sunday Best is a collection of articles I’ve curated for your reading pleasure. Expect most of the writing to be from recent weeks and consistent with the themes presented on this website: investing & taxes, financial independence, early retirement, and physician issues.     Presenting, this week’s Sunday Best:... Read more »
  • VideoSeven Money Matters I’m Horrible with and How I Deal with Them
    Today’s post comes from my WCI Network partner Passive Income MD. I think he’s pretty good with money, but he begs to differ. At least in some respects. He makes a great point in that just because we’ve seen success with money, it doesn’t mean we have all the answers... Read more »
  • Video2018 Q4 & Annual PoF Portfolio, Spending, and Blog Performance Update
    Every three months, I publish an update to let you know how well my portfolio has done, how much we’ve spent as a family of four, and what’s going on with the blog. Some people like to know the blog stats. Weird, I know. After three years of tracking our... Read more »
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    The Wealthy Accountant

  • Pricing Your Product in Your New Business or Side Hustle
    "Start a side hustle or small business" is a common refrain when working to reduce debt or retirement planning is involved. It all sounds easy on paper until you realize most businesses fail within a year or so. The problems with starting a business are myriad. Most businesses fail because... Read more »
  • The Anatomy of Wealth
    My grandfather always had a saying that has stuck with me: Never take off the pile. Granddad was an old farm boy living the dream in the backwoods of Nowhere, Wisconsin. He lost the farm in the farm crisis of the early 1980s and then rebuilt his fortune doing nothing... Read more »
  • The Best Books I Read This Year
    There are many forms of communication; none are as vital as the written word. It is the edited word which conveys more information than any other media. Sure, video is superior when showing majestic vistas, but words, when edited well, are the most powerful learning tool we have. There is... Read more »
  • 4 Financial Planning Steps Every New Parent Needs to Take
    When you become a parent, another person's life is in your hands. It's scary and exciting all at once, and you only start to feel confident in your new role once you have a few years of experience under your belt. However, there's one big step you can take now... Read more »
  • Deducting Gambling Losses with the New Tax Bill
    The Tax Code doesn't treat casual gamblers very well. On the one hand the odds are stacked against you winning (those fancy casinos were built on losers, not winners). And on the other hand winning can be worse than losing when the taxman gets a hold on you. Recent tax... Read more »
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    Millennial Revolution

  • Reader Case: Can this 24-year-old from DC Retire Early?
    It’s Friday, and you know what that means: Reader Case time! And for the first Reader Case of 2018, we’re gonna pick a doozy. Income Gross Income: $95,000 (Combined) Myself: $50,500/year. My Husband: $60,000/year Net Income: $75,000 (Combined) Myself: $30,600 ( After tax, health insurance and 401k contributions) My Husband:... Read more »
  • Our 2018 Finances Part 2
    Our 2018 financial review continues after Part 1, where FIRECracker detailed our annual spending. Today, we’re going to talk about how our portfolio did, and the transactions we performed to fund next year’s living expenses. How did it perform? At the end of 2018 and the beginning of 2019, the... Read more »
  • How to Become FI with 6 Kids, Zero Privilege, and a Small Salary
    After our “what do you want to read about” poll, I heard you all loud and clear. All guest posts all the time! Seriously though, you will like this guest post I swear (also I had this post scheduled before I ran the poll so deal with it) Anyhoo…today, I... Read more »
  • Our 2018 Finances
    Back in 2015, if you had told us it would cost us LESS money to travel the world than live in Toronto, I would’ve thought you were nuts. Everyone KNOWS travel is expensive—I mean, why else did we shell out $5000-$10,000 a year on a 3-week vacation while we were... Read more »
  • Happy New Year 2019!
    It’s New Year’s Eve! Now, I know some of you are getting the champagne ready, and we’ll be heading out to a bar tonight, but before getting the party started, we like to reflect on the past year and think about what we want to accomplish in the new year.... Read more »
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    Fiery Millennials

  • 2019: The Year of Focus
    To continue with my tradition of assigning a theme to each year, 2019 will be the Year of Focus. I really wanted to have my theme be consistency, but I realized I can’t be consistent without focus. I feel like a lack of both focus and consistency is why my... Read more »
  • Recap: 2018 Edition
    My 2018 was a.…… roller coaster, that’s for sure. This time last year, I had no idea my life would turn out the way it did but I am a firm believer in everything happening for a reason. I got to go on a ton of fun trips, I read... Read more »
  • Back in the Saddle
    I am now officially a full-time employee again! In the last episode, I was struggling to figure out if I wanted to go with Entity A or B. Entity B had me back for an all-day interview, but I didn’t hear back from them fast enough to turn down the... Read more »
  • The Power of Networking
    What if I told you there was one simple thing you could do every day that would save you thousands of dollars a year in expenses and even have the potential to make thousands more a year? It’s so easy, little kids can do it! I’m not referring to pooping... Read more »
  • Decisions, Decisions
    I feel a small point of clarification is needed from me before we dive into the meat of the post today after appearing in a MarketWatch article yesterday. Most people walked away with the impression I tried to retire on $200,000 at the age of 27 and I just wanted... Read more »
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    Go Curry Cracker!

  • The 2019 GCC Asset Allocation
    Over the past several years, I’ve made minor annual adjustments to our investment portfolio – harvesting capital gains, rebalancing, and adding fresh capital. This is what our portfolio looks like as of early 2019. Updates: Mid 2018: Seller financed mortgage ballooned out (A bond became a bunch of cash) Late 2018:... Read more »
  • GCC Business Review
    2018 was our 6th full year of early retirement, world travel, and blogging. We’ve now been doing this longer than time spent in high school, college, or in my first real job. Most of the content I’ve written comes from trying to figure things out for myself and our family,... Read more »
  • Happy Holidays! (and a bit about the stock market)
    Happy Holidays everyone! I hope 2018 found y’all becoming increasingly healthy, wealthy, and wise. 2018 was our 6th full year of early retirement and world travel. Do anything long enough and memories start to jumble together… Did we visit Paris this year or last year? Was Jr walking when we... Read more »
  • Twenty Pounds of Pasta
    In Spring of the last 3 years I have stepped off a plane in Europe, wearing stylish skinny jeans and a classic neckline T-shirt. 3 or 4 months later, I was sporting a budding double chin and elastic waistline “athletic” shorts. Upon returning “home” I would slowly shed my substantial... Read more »
  • Bonus Season!
    The holiday season is quickly approaching, a time when many are hoping for or expecting a hefty year-end bonus. Without traditional employers, alas, nobody will be sending us a check to install a new swimming pool or even a membership to the jelly of the month club. (The gift that... Read more »
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    Get Rich Slowly

  • Is OnTrajectory the best retirement calculator?
    My colleagues, who are money nerds just like me, know that I'm obsessed with finding the best retirement calculator. I've been on this quest for years. As you'll learn later this week, my favorite retirement tool is (and has been) NewRetirement. But there are other great tools out there. “You... Read more »
  • The pros and cons of Personal Capital
    If you've read money blogs over the past five years, you've heard about Personal Capital. Personal Capital is a free money-tracking tool with a beautiful interface and — gasp — no advertising. (One of my big complains about Mint is that it shoves ads in your face.) Many of my... Read more »
  • Am I financially independent? (And does it matter?)
    It's been two years since I last looked at my overall financial situation to determine whether I have the resources to meet my goals. In those two years, much has changed. I sold my condo and bought a home in the country. I repurchased Get Rich Slowly. I invested in... Read more »
  • My financial plans for 2019
    Earlier this week, I lamented the fact that my net worth plunged by more than 15% in 2018. Although much of this was due to accounting quirks (buying back this website and remodeling the house, neither of which get tracked by my personal net worth) and larger economic forces (the... Read more »
  • My 2018 year in review
    Across the web, I see other financial bloggers sharing their year-end financial summaries. Some folks had good years. Financial Samurai's net worth increased by 6.5% in 2018. Others had mediocre years. Fritz at The Retirement Manifesto saw his net worth decline by 2.1% thanks to a volatile stock market. Me?... Read more »
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    Our Next Life

  • One Year of Early Retirement, Part 2: The Adventures
    The series on our first year of early retirement continues, this week recounting all the adventures we had in 2018, an enormous list by most any measure. No profound insights here, just a really long list of cool stuff that shows just how much you can do when you're financially... Read more »
  • One Year of Early Retirement, Part 1: Biggest Lessons
    Happy new year, friends! After a bit of a blogging break, I'm back today with a big rundown on all the lessons we learned in the first year of early retirement. The series continues next week with everywhere we went last year, and the week after with everything we're going... Read more »
  • The Downsides of Off-Peak Travel
    Traveling when very few others travel has loads of benefits, most notably lower prices, sometimes dramatically so. But it's not without its downsides, as we experienced on our recent trip to France. So let's talk about those downsides. The post The Downsides of Off-Peak Travel appeared first on Our Next... Read more »
  • Ambition Doesn’t (Have to) End at Retirement
    It’s easy to assume that the whole point of early retirement is to be able finally to stop striving. To stop working toward that next promotion, and to stop letting money be a big motivator in your decision-making. And while those two instances in particular are true, early retirement doesn’t... Read more »
  • There Is No Financial “Truth” (But Why That’s a Good Thing)
    We're supposed to save 2 times our salary by age 35, or is it 25 times our expenses to retire early? We're supposed to ignore Social Security, but also claim it at 62 to hedge against market risk. We should try to get out of debt as quickly as possible,... Read more »



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    The Money Mustache Community

  • Re: I fixed my Samsung fridge for free today.
    We've had our Samsung French door fridge for 8 years now with no problems.  The 7 year old washer and dryer, OTOH...  Washer was recalled and fixed, but we've had to replace the heating element on the dryer twice.  We have another heating element on ha...... Read more »
  • Re: 401K Asset Allocation help
    Oof. I'm sorry to say that your options are pretty bleak in terms of expense ratios. How can an S&P 500 index fund have a 0.28% expense ratio? Like how is that even possible? Here are some common S&P 500 index funds out there, available to individual i...... Read more »
  • Re: What small things did you do today to reduce your environmental impact?
    Instead of vacuuming - I dusted with an old towel and mop.  Made mint tea with mint that I dried this fall and it is delicious and fresh.  I will probably need to dry double the amount next year.  At the rate that I am drinking it, it is going... Read more »
  • Re: Southwest 100,000 bonus points + 2 years of Companion Status badass offer
    It looks like Southwest has recognized that the Companion Pass is what people really want so they're now offering a bonus of Companion Pass for the remainder of the year + 30,000 points on the Rapid Rewards Plus credit card. Certainly not as valuable a...... Read more »
  • Re: FI journey - laid off and its ok
    These stories are definitely inspirational for me! Every once and a while there seems to be a cycle of voluntary lay-offs (typically with decent buy-out/severance packages!), so that's kind of an unspoken goal for me; Get FI around/before the next cycl...... Read more »
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    Accidental Fire

  • Money Lessons From Dr. Martin Luther King Jr.
    Martin Luther King Day will be celebrated this coming Monday in America.  It’s a federal government holiday, so I’ll be off.  As a semi-retired and semi-quasi-professional blogger and graphic artist, I wasn’t planning on working anyway. Sadly, many companies in... The post Money Lessons From Dr. Martin Luther King Jr.... Read more »
  • Like Financial Independence There’s More Than One Way To Get In Shape
    Did you make a new year’s resolution to get in shape in 2019?  Maybe get a new gym membership and really start taking your health seriously?  Well, we’re two weeks into the new year, how’s it going so far? The... The post Like Financial Independence There’s More Than One Way... Read more »
  • Unemployment Is All Over The Map
    The unemployment rate in America hit 3.7% in September 2018, the lowest since 1969.  The economy is strong.  Sure, it’s easy to cherry pick articles that claim it’s meaningless since so many people are “out of the labor force”, but... The post Unemployment Is All Over The Map appeared first... Read more »
  • Have We Reached Peak Home Bloat?
    I was over my buddy Nathan’s house years ago, a massive modern “McMansion style” house in the suburbs of Baltimore.  He and his wife Cindy had bought it the previous fall, and this was their first summer in the house. ... The post Have We Reached Peak Home Bloat? appeared first... Read more »
  • Why You’re 53, Have Had A Six-Figure Income For 20 Years, And Have A Negative Net Worth
    Subscribe To New Posts Here! The post Why You’re 53, Have Had A Six-Figure Income For 20 Years, And Have A Negative Net Worth appeared first on Accidental Fire.... Read more »
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    jlcollinsnh

  • “I wanted the unreasonable”
    Writer. Creator. Mentor. Speaker. Today I want to introduce you to my new friend, Jillian. While I’ve only gotten to know her over these past few months, already I can’t recall exactly how she came to my notice. I had heard of her some time ago, but really didn’t pay... Read more »
  • Happy Holidays! and a bit on Mr. Market
    From my family to you and yours, wishing you a… Wonderful Holiday Season **************************************************** Meanwhile, Mr. Market… …seems not to be in the holiday spirit this year. Unless it is ghosts of corrections past. From a high of ~2941, the S&P 500 is down 474 points (as I write) for... Read more »
  • Truly Passive Real Estate Investing
    The house pictured above is in Montgomery, Alabama. I have never seen this house in real life. I have never been to Montgomery, although I am sure it is lovely. The odds are good that you, too, have never been to Montgomery and have also never seen this house. Even... Read more »
  • Car Talk: An update on Steve and looking at Leafs
    On this Thanksgiving Day one of the things I am grateful for is our trusty 2007 Forester, Steve. I last wrote about Steve a couple of years back, and in that post I tell the story of his awkward name. At the end I invited you to tell me about... Read more »
  • Chautauqua 2018 Greece: A week for the gods!
    “No one in my day-to-day life understands this FI path. At Chautauqua, everybody gets it. I have found my tribe.” Way back in 2012 I headed to Ecuador to create the very first Chautauqua held in the fall of 2013. The basic concept then, as now, was… Travel to a... Read more »
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    jlcollinsnh

  • “I wanted the unreasonable”
    Writer. Creator. Mentor. Speaker. Today I want to introduce you to my new friend, Jillian. While I’ve only gotten to know her over these past few months, already I can’t recall exactly how she came to my notice. I had heard of her some time ago, but really didn’t pay... Read more »
  • Happy Holidays! and a bit on Mr. Market
    From my family to you and yours, wishing you a… Wonderful Holiday Season **************************************************** Meanwhile, Mr. Market… …seems not to be in the holiday spirit this year. Unless it is ghosts of corrections past. From a high of ~2941, the S&P 500 is down 474 points (as I write) for... Read more »
  • Truly Passive Real Estate Investing
    The house pictured above is in Montgomery, Alabama. I have never seen this house in real life. I have never been to Montgomery, although I am sure it is lovely. The odds are good that you, too, have never been to Montgomery and have also never seen this house. Even... Read more »
  • Car Talk: An update on Steve and looking at Leafs
    On this Thanksgiving Day one of the things I am grateful for is our trusty 2007 Forester, Steve. I last wrote about Steve a couple of years back, and in that post I tell the story of his awkward name. At the end I invited you to tell me about... Read more »
  • Chautauqua 2018 Greece: A week for the gods!
    “No one in my day-to-day life understands this FI path. At Chautauqua, everybody gets it. I have found my tribe.” Way back in 2012 I headed to Ecuador to create the very first Chautauqua held in the fall of 2013. The basic concept then, as now, was… Travel to a... Read more »
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    zen habits

  • The Rule of the Edge
    By Leo Babauta In all of my many challenges and habit changes and book writing and learning, I’ve found one thing to be the most powerfully beneficial to all growth, learning and training. I call it the Rule of the Edge. Here’s the rule: practice at your edge most of... Read more »
  • The Beautiful and Scary Practice of Moving Closer
    By Leo Babauta Life is full of all kinds of stresses, and each of us has habitual ways of reacting to those stresses — we procrastinate, run to comforts, lash out or distance ourselves from others, try to exit from a stressful place, mentally complain about others. The sad effect... Read more »
  • My Mission to Change a Million Lives Through Uncertainty Training
    By Leo Babauta My friends, I am on a mission. I am going to change a million lives through my uncertainty training, helping people shift how they deal with fear and the chaos of their lives. Every day, we deal with doubts, with feeling overwhelmed, with frustration and anger, with... Read more »
  • The Drop Deeper into Mindfulness Challenge
    By Leo Babauta As we start to form new habits for a new year, one of the primary questions to ask ourselves is: what habit should I start with? What habit will help set me up for success for all other habits? After nearly 15 years of changing my own... Read more »
  • The Simple Guide to Creating Habits for a Great Year
    By Leo Babauta It’s a new year, and many of us are looking to make positive changes in our lives. The best way to do that is not by making resolutions, but by creating habits that will stick for the long term. If you want to run a marathon, form... Read more »
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    grumpusmaximus.com

  • Paradigm Shifts
    New Year, Same Goal(s) Happy 2019 everyone! I read somewhere recently that we should make goals and not resolutions at New Year’s, which brings me to the inevitable question: What are your goals for 2019? Since we’ve officially entered the last calendar year that I’ll be a part of the... Read more »
  • The Pension Series (Part 18): Social Security – The People’s Pension
    Waffles and Chicken(shit) I’ve waffled in recent weeks on the need to write a post about Social Security for the Pension Series. On the one hand, since the American form of Social Security pays out in annuity form, it seems like a relevant topic for the Series. Plus, an overwhelming... Read more »
  • Choices and Thankfulness
    Happy Thanksgiving “What are you thankful for this year?” is a commonly asked Thanksgiving question. It’s usually asked around dinner tables, which is where we Americans typically celebrate this holiday designed to bring us together and reflect on the bounty in our lives. In fact, Mrs. Grumpus and I asked... Read more »
  • Retirement Anxiety: How I Retired Mine
    Anxiety Check How are your retirement anxiety levels at the moment? I must admit my levels were high earlier this week. As described in my previous post, I recently realized that I’m (probably) not going to make it to 21-years of military service. Thus, I’m (probably) going to retire after... Read more »
  • Work, Mental Health, Disability, and Retirement Planning
    Time For a Rethink I recently started ramping down my anti-depression and anxiety medication that I take for my PTS linked issues. I didn’t make this mental health decision lightly. You see, based on my doctor’s recommendation, I tried to ramp down before. I wasn’t successful. My mood swings were... Read more »
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    grumpusmaximus.com

  • Paradigm Shifts
    New Year, Same Goal(s) Happy 2019 everyone! I read somewhere recently that we should make goals and not resolutions at New Year’s, which brings me to the inevitable question: What are your goals for 2019? Since we’ve officially entered the last calendar year that I’ll be a part of the... Read more »
  • The Pension Series (Part 18): Social Security – The People’s Pension
    Waffles and Chicken(shit) I’ve waffled in recent weeks on the need to write a post about Social Security for the Pension Series. On the one hand, since the American form of Social Security pays out in annuity form, it seems like a relevant topic for the Series. Plus, an overwhelming... Read more »
  • Choices and Thankfulness
    Happy Thanksgiving “What are you thankful for this year?” is a commonly asked Thanksgiving question. It’s usually asked around dinner tables, which is where we Americans typically celebrate this holiday designed to bring us together and reflect on the bounty in our lives. In fact, Mrs. Grumpus and I asked... Read more »
  • Retirement Anxiety: How I Retired Mine
    Anxiety Check How are your retirement anxiety levels at the moment? I must admit my levels were high earlier this week. As described in my previous post, I recently realized that I’m (probably) not going to make it to 21-years of military service. Thus, I’m (probably) going to retire after... Read more »
  • Work, Mental Health, Disability, and Retirement Planning
    Time For a Rethink I recently started ramping down my anti-depression and anxiety medication that I take for my PTS linked issues. I didn’t make this mental health decision lightly. You see, based on my doctor’s recommendation, I tried to ramp down before. I wasn’t successful. My mood swings were... Read more »
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    Budgets Are Sexy

  • My *Favorite* Blog Posts From 2018!
    My *Favorite* Blog Posts From 2018! Alright, so last week we covered the MOST POPULAR blog posts from the year, and this time around I want to cover my *favorite* blog posts from the year. Basically the ones that had the biggest impact for me, along with some I just... Read more »
  • A Fun Money Quiz ✨
    A Fun Money Quiz ✨ I don’t know why I put “fun” in there since aren’t ALL money quizzes inherently fun?, however I did really enjoy the few minutes testing out my skills with this one 😉 And even more so that I got my score without having to enter... Read more »
  • Product of The Month: The Avid Investor Daily Planner!
    Product of The Month: The Avid Investor Daily Planner! Hey guys! Have a fun little planner to share your way today, created by a fellow reader of the blog, Michael Murphy 🙂 I’m not a huge stock trader/picker myself, but I do know the power of tracking your finances, and... Read more »
  • I want you to love your money like this guy!
    I want you to love your money like this guy! There’s a saying that if you really want something bad enough you’ll find a way to make it happen. Kinda like when you’re a broke ass college student, yet always manage to score booze every weekend 😉 I don’t know... Read more »
  • The Best Banks and Financial Products of 2019
    The Best Banks and Financial Products of 2019 Morning, friends! If you’re on the hunt for a new bank or credit card or financial app right now, this post is for you. MyBankTracker.com just came out with their annual “Best of Banking Awards,” and while I don’t typically share lists... Read more »
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    The Escape Artist

  • What to expect when you’re expecting
    So you’re expecting your first baby! As we all know from the adverts and the Disney films, this is the most wonderful thing in the world, a time of boundless joy and happiness where you bring life into the world strengthening your bond with your soulmate and everyone living happily... Read more »
  • The 3 elements of high performance: Story, Strategy, State
    This is not a normal personal finance site, it’s a site about how to get rich. One problem with boring traditional personal finance advice is that it tells you what to do with what’s left over at the end of the month. The problem is that for most people there’s not much... Read more »
  • Get Rich with…No Regrets
    Are savers missing out on fun? As I may have mentioned before, I don’t think of buying less stuff as deprivation. It’s more money for you to buy your freedom with. So I don’t buy the idea that you’ll be “missing out” if you pursue financial independence. I will however agree... Read more »
  • The fundamentalists are fundamentally wrong
    This Christmas sermon post is a short extract from Steven Pressfield’s book The War of Art, which I’ll be adding to my list of recommended books. The book is about overcoming procrastination and self-sabotage (or what Pressfield calls “Resistance”). The aim is to become a more productive person who gets... Read more »
  • Now That’s What I Call Financial Independence! 14
    When you grow up in the ‘hood, you do what it takes to stay alive. And when you grow up in East Anglia you do what it takes not to get bored. So it may or may not surprise you that, back in the day, The Escape Artist was a... Read more »



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    montanamoneyadventures.com

  • The Wild and Crazy 2018
    2018 was a wild and crazy ride for us. I always felt like our life was rather fun filled and packed with adventure before we became financially independent. We lived abroad for four years. We traveled to 27 countries and seen 42 states. We bought and renovated three homes in... Read more »
  • How to Design Your Best Year Ever
    Setting yourself up for an incredible year or custom designing your life is a bit like installing a kitchen. I remember the first kitchen Adam and I renovated. He did NOT want to do it. It seemed complicated and overwhelming. I assured him that installing a kitchen didn’t require an... Read more »
  • Growing Financial Freedom
    Financial freedom grows along a spectrum and financial independence is one point in the journey. I like to focus on growing financial freedom. Because it’s something we can all do. At each step in the journey. You pay off some debt, your financial freedom grows. You start investing, your financial... Read more »
  • Holidays You Want to Have
    Holidays can be the most joyful time….and the most stressful. I think we all would like to lean towards more joy and less stress. I’ve always had holiday anxiety. Ever since I was a kid. My mom did everything right to create a perfect holiday experience and I sat in... Read more »
  • The Mini-Retirement is Over
    My passion for ice cream is no secret. There’s a local place I adore. Often I get a single scoop in a waffle cone. But sometimes I feel like there has been a large shortage of ice cream in my life and I will order a double. And it’s delicious.... Read more »
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    Can I Retire Yet?

  • Using Leverage to Create Retirement Income
    Traditional retirement planning focuses on accumulating assets, which eventually are converted into an income stream to last a lifetime. Creating retirement income without exhausting your portfolio presents a fundamental challenge. This is especially problematic for early retirees for three reasons. First, your money may need to last much longer than... Read more »
  • My Investment Portfolio: 2019
    I can’t predict the future, but 2018 was bad for the markets, and 2019 could be worse. If you’re a seasoned investor, you’ve seen this before.  The Dow Jones Industrial Average was in positive territory much of the year, but ended with a blowout. It lost about 3.6%, counting dividends, for... Read more »
  • December 2018 Best of the Web
    2018 is coming to an end and it’s time for December’s best articles from around the internet to help you save more, invest better and retire sooner. This month’s articles share insight on investing in the face of recent market volatility. We discuss the personal aspects of investing, reasonable market... Read more »
  • Finding the Right Financial Advisor
    This blog is written for and by DIY investors and retirement planners. In the process of working on it, I’ve learned a lot of people need personalized financial advice and guidance. It would be failing a large percentage of our audience to not recognize their need and assist them. This is... Read more »
  • Does FIRE Make Life Harder?
    I was an avid reader of financial independence, retire early (FIRE) blogs on the path to my own early retirement. They served as inspiration and education. However, I found them to be an echo chamber. Each tries to outdo the next in an effort to show you how to optimize... Read more »
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    The Millionaire Educator

  • Tax Planning: 2019 Free Money!
    Greetings to all my Free Money! tax-planning brothers and sisters.  With 2018 almost over, it’s now time to take a look at our 2019 Free Money! amounts.  (This is by far my most anticipated post every year; it amazes me how many inquiries I get about the status of this... Read more »
  • How We’ll Save $130k in 2019
    If you live long enough, you’ll see many unimaginable and “impossible” things.  Over the course of my lifetime, I’ve seen:  the Patty film, the discovery of the giant squid, the Braves, Cubs, and Red Sox win the World Series, the Saints and Buccaneers win Super Bowls, and even my Davidson... Read more »
  • How to FIRE on Two Teaching Salaries in 7 Years or Less
    Long overdue greetings to all my loyal readers.  For the record, I missed you too.  In case you missed it, we’re now back in Georgia after our one-year adventure in Merida, Mexico.  We have a new house, new jobs, and a new school for our son.  We’re living in Statenville,... Read more »
  • Tax Planning: 2018 Free Money! (Final Version)
    Belated Merry Christmas and Happy 2018 Tax Planning to all my millionaire readers.  Well, it finally happened–on December 22rd, 2017 President Trump signed the Tax Cuts and Jobs Act of 2017 setting off a number of changes to the U.S. tax code.  This means that we now have new tax... Read more »
  • 80 Thoughts on 500+ Days of Jogging
    In July of 2016, I noticed that my physical conditioning was not what it should have been.  I had just finished two years of teaching at Coffee High School in Douglas, Georgia, and I realized that I needed to start exercising seriously again.  Later that month, in an attempt to... Read more »
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    Independently Financed

  • Robinhood 3-year anniversary review: I love it, but it’s terrible
    I just glanced at my Robinhood app and realized that I joined on January 8, 2016, which made yesterday my third anniversary of using the app. That seems like as good an opportunity as ever to take stock and share my overall impressions so far. The company seems perfectly scrupulousRobinhood... Read more »
  • Human Genetic Engineering Can’t Work
    At least not the way you want it to.I’ve been thinking a lot lately about two related stories that recently crossed my desk. In one, our top Chinese scientists are apparently genetically engineering babies “with the goal of making the babies resistant to infection with H.I.V.” The second is simply... Read more »
  • Everyone should have access to the federal Thrift Savings Plan, but not for you reason you think
    Shortly before his humiliation and expulsion from public life, Florida Senator Marco Rubio resurrected the idea of allowing some non-government employees to invest in the Thrift Savings Plan, which is the federal equivalent of private-sector 401(k) and non-profit 403(b) plans. The proposal got some sympathetic attention from lazy personal finance... Read more »
  • What was behind Robinhood’s very bad week?
    Since the product was announced on Thursday I’ve been following with interest the drama surrounding Robinhood’s “Checking and Savings” product, which has since been put on hold and rebranded as a “Cash Management” account. It’s an interesting story about the brokerage and banking industries, and I think it’s possible at... Read more »
  • The SEC offers free financial planning tools. Are they any good?
    This is a funny thing I was unaware of until I saw someone mention it on Twitter the other day: the SEC hosts a website offering free financial planning tools. I was surprised, since I think of the SEC as having a “hands-off” approach to investing: they don’t want people... Read more »
    +

    Slowly Sipping Coffee

  • It’s Official, I’m Unemployed!
    A LOT has changed since my last post. First of all, I’m unemployed for the first time since I was 16 yrs old! Woohoo! Stay At Home Dad (SAHD) Lifestyle Change is now officially in full swing. Yeah!! As for the rest of what’s been going on, my last post... Read more »
  • My Dad’s Suicide: 10 Years Later
    I’m reposting an edited version of this because I noticed I missed World Suicide Prevention Day yesterday. I was dealing with my own depression and finding someone to talk to. I’ve dealt with depression and anxiety a lot over the years and there have been times that I’ve had suicidal... Read more »
  • AC Replacement: Shopping Around Saves Money
    This past week I have had 3 different Heating and Air Conditioning companies at the house explaining to me what is wrong with our AC system and what it would take to correct it or replace it. That’s right, only 6 weeks in and the whole AC/Furnace unit needs major... Read more »
  • Escaping Limbo: Why My Remote Work Sucks
    When I made the decision to leave my job, I felt like I wouldn’t be a good PF blogger if I didn’t monetize my departure somehow. Just plain old quitting is for suckers! Financial Samurai espouses, “Negotiate your severance” and for $85 I’ll tell you how! I had multiple people... Read more »
  • VideoMoving to The Country
    While a lot of things have changed for the SSC family in the last few months, there are some things that haven’t. We are starting to get our new schedule established, and responsibilities are getting divvied up accordingly. A new plan of attack is being worked up for this Lifestyle... Read more »
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    Coach Carson Real Estate & Financial Independence Podcast

  • mp3#6 - How to Buy an Investment Property - From Contract to Closing
    This episode will make you more a more confident real estate investor by sharing the 5 steps of buying an investment property from contract to closing. For a companion article & show links visit:  https://www.coachcarson.com/how-buy-investment-property/ To get my closing checklist & more, get my Real Estate Investor Toolkit at https://www.coachcarson.com/newsletter/ -------------------------- 🙂 If... Read more »
  • mp3#5 - Ask Coach - Healthcare For Entrepreneurs and Early Retirement
    Is health insurance keeping you at a job for security? As a real estate entrepreneur, I've been self-employed for 16+ years, and here's what my family and I do for health insurance. UPDATE AS OF 1/2019: Since recording this video, our family also considered lower-cost alternatives to the ACA ("Obamacare")... Read more »
  • mp3#4 - The One Percent Rule - Quick Math For Positive Cash Flow Rental Properties
    The one percent rule in real estate is a tool to quickly filter and evaluate potential rental properties so that you make more cash flow. This article explains what it is, when to use it, and why it's helpful. For a written companion article & show links visit:  https://www.coachcarson.com/one-percent-rule/ --------------------------... Read more »
  • mp3#3 - Go Small or Go Home - Why You Don't Need a Big Real Estate Empire to Live the Life of Your Dreams
    Bigger and faster is better in real estate investing, right? Maybe not. In this episode, you'll learn how a simpler, smaller real estate investing business can accomplish everything you want in life.  A companion article can be found on Bigger Pockets at: https://www.biggerpockets.com/renewsblog/go-small-or-go-home/ -------------------------- 🙂 If you want to support the show,... Read more »
  • mp3#2 - What's your Financial Independence Number? Here's Mine
    What is your financial independence number? Answering this question can help you achieve financial success & more options and freedom in life. For a written companion article & show links visit: https://www.coachcarson.com/financial-independence-number/ -------------------------- 🙂 If you want to support the show, here are some easy ways: 1) Leave an iTunes review:... Read more »
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    Done by Forty

  • College Plan? Undeclared.
    Two days after Christmas, we closed on the sale of our second, and final, rental property. We got a full price offer, too. (Minus having to give the buyers a $2k credit towards closing).It is hard to describe how good this feels.Though I was a bit nervous right up until... Read more »
  • 40 Thousand to Freedom
    There's a question that gets thrown around in the FIRE community: is achieving financial independence and early retirement possible for everyone? And I keep getting surprised that the correct answer is hardly ever uttered. I'm not sure I've heard it more than once. Which is crazy. It's such a softball... Read more »
  • A Progressive Take on Regressive Taxes
    Election Day is nearly here, and buried deep down on our Tempe ballot is Proposition 417, which would increase sales tax by a tenth of a percent to fund the arts in our city. Even deeper on page two of our ballot is Prop 126, which aims to prohibit levying any... Read more »
  • Whoops, We Almost Bought a New Car for No Good Reason
    As long-time readers know, we have been battling car lust for a while. Well, at least I have. Our current car, our trusty 2006 Toyota Matrix, has never let us down. Okay, maybe the paint job has let us down a bit. And maybe my DIY clear coat job... definitely looks... Read more »
  • My FIRE Journey & Inequality
    A few weeks ago I was on my way to Culver's for the first time, because even a single dollar donated to the 2018 version of the GOP is one too many. So I decided to donate my burger dollars to a different joint, and Culver's seemed like it would... Read more »
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    Living a FI

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

  • Geo-arbitrage: Six months post-move
    Six months ago my family moved from Oakland, in the Bay Area, to Salt Lake City, Utah. We did it for a variety of reasons: Financial. By selling a house that had greatly appreciated in the six years we owned it, we knew we could lower our monthly expenses significantly.... Read more »
  • Re-examining my investing philosophy after a move
    Things have been quiet in the Satisfied Ghost online world lately, because things in IRL have been crazy! Over the last few months we decided to employ domestic arbitrage and moved from our home in the HCOL Bay Area to another state. I’ll detail the decision, process and details later.... Read more »
  • The all-or-nothing world of “Dying for a Paycheck”
    Those in the Financial Independence Retirement Early community work hard. That statement on its own is not much of a surprise for those familiar with the community. Yet it’s counter-intuitive—why do insanely productive and industrious people want to retire young? I think it has something to do with two things:... Read more »
  • Welcome to stock market volatility
    We’re officially in a stock market correction, with  major indices down 10% from their all-time high. This isn’t surprising. I’ve been waiting for a stock market correction for a few years. We’ve been climbing since the financial crisis, and an inevitability of markets is movement. What comes up, must eventually... Read more »
  • New Year’s Hack: pick a one-word theme for 2018
    As 2017 comes to a close, I’ve been reflecting and also making lists of what I want to accomplish next year.  I love to make lists: lists of goals, accomplishments, dreams and groceries. I have paper and Evernote notebooks filled with these lists. While these goals are useful, focus is an... Read more »



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    Birds of a FIRE

  • The KonMarie Spark Joy Method: You’ll Finally Tidy Your Home
    By now, you’ve probably heard of the KonMarie method either due to the two books Marie Kondo published, or the Netflix series that has set Twitter on fire in 2019. Boy, Netflix really timed that series well, didn’t they? Everyone has New Year’s resolutions on their mind, and many people... Read more »
  • 2019: The Year Of Growth
    2018 is over. With it, comes a new year and new goals. Prior to this year, I’d set some random New Year’s Resolution without thinking much of it. 2019 is different though. I’ve thought out, planned, and set the actions I need to do rather than just have goals. I’m... Read more »
  • 2018 Annual Review: How Did I Do This Year?
    I get graded on bi-annual reviews at work, got grades in class, so why don’t I do the same thing in my personal life? 2018 is the first year I’ll do an annual review. And man, I did terrible in basically everything except for money and I did ehhh on this... Read more »
  • Interesting Weekly Finds – 12/24/18
    Merry Christmas Eve all! My weekly finds have themes relevant to the site: money, psychology, travel, and some funny finds. [Dow falls 650 points] – If you’re far off from retirement, you’re probably not too worried with your buy and hold strategy. If you’ve retired early this year at the... Read more »
  • Make Your Bed Book Summary & Review: Admiral McRaven
    Make Your Bed was a commencement speech originally given by Admiral McRaven in 2014 at UT Austin. You can watch it here. Three years later he came out with a book, expounding on his speech. His speech, and subsequently the book, has 10 key lessons he learned from his time... Read more »
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    Afford Anything

  • mp3#172: Ask Paula – Should I Buy a Nice Car or Save My Money?
    [smart_track_player url="http://traffic.libsyn.com/paulaandjaymoney/AA172.mp3" title="Ask Paula - Should I Buy a Nice Car or Save My Money?" 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" ] Should a 25-year-old homeowner with healthy savings and no debt (other than his mortgage) upgrade his car? Should he make this choice if his... Read more »
  • 7 Expensive Rental Property Investing Mistakes to Avoid
    My readers and podcast listeners regularly reach out to me to say that they're afraid to invest in rental properties because they don't want to put their life savings at risk on a deal. I get that - but, if you approach real estate investing the right way (with risk... Read more »
  • mp3#171: The biggest study of everyday millionaires in 25 years – with Chris Hogan
    [smart_track_player url="http://traffic.libsyn.com/paulaandjaymoney/AA171.mp3" title="The biggest study of everyday millionaires in 25 years - with Chris Hogan" 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" ] Chris Hogan is a former football player and Georgetown alum who became the Vice President of a well-respected company. By all accounts, he seemed... Read more »
  • mp3#170: Ask Paula – When Should I NOT Use the One Percent Rule for a Rental Property?
    [smart_track_player url="http://traffic.libsyn.com/paulaandjaymoney/AA170.mp3" title="Ask Paula - When Should I NOT Use the One Percent Rule for a Rental Property?" 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" ] When should you NOT use the one percent rule for rental property investing? In today’s episode, I encourage two callers to... Read more »
  • Well, 2018 was quite the year …
    Here are a handful of lessons from 2018 (although many of these ideas originated during a lifetime preceding that). I've shared most, but not all, of these lessons on Instagram in the past year. 1: Your net worth is not your self worth. That’s true regardless of whether your net... Read more »
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    Mr Crazy Kicks

  • Guest Post at Physician on FIRE
    If you haven’t already seen it, Physician on FIRE is a blog about achieving financial independence while working in the medical field. Even though the blog is focused on challenges facing physicians, the financial aspects are still the same. Work toward … Continue reading → The post Guest Post at Physician... Read more »
  • How Much Can a Greenhouse Extend the Growing Season?
    Last year I designed and built a hoop house for around $650 in materials. I didn’t want to waste money heating the thing, so the plan was to keep it passive. Since I never worked with an unheated greenhouse before, … Continue reading → The post How Much Can a... Read more »
  • Should I Pay Off My Mortgage?
    Having a paid off house has always been a goal. Living mortgage-free sounds awesome, but it can also put the brakes on financial growth. Any money put toward home equity is robbing investment accounts of hard working capital. After years … Continue reading → The post Should I Pay Off... Read more »
  • How to Get Started Hunting Mushrooms
    I love hiking in the shade of the woods, racing to the top of a mountain to take in a satisfying view. Lately however, I’m less interested in flying up rocks and roots to see the world from afar. I’ve … Continue reading → The post How to Get Started... Read more »
  • Reflecting on Two Years of Early Retirement
    For years, I spent my days waking up early and rushing to wash, dress, and sit in traffic only to sit in a cube waiting to rush home. All that time, I was propped up by dreams of a freer … Continue reading → The post Reflecting on Two Years... Read more »
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    Tread Lightly, Retire Early

  • Women’s Personal Finance Wednesdays: Week 17 Roundup
    Welcome to another week of the Women’s Personal Finance Wednesdays roundup. I started this series after months of debate because I wasn’t certain I wanted to up the ante and commit to publishing three posts a week. However, now that I’ve started sharing these posts, I’m so glad I started.... Read more »
  • Monthly Financial Update: December 2018
    We doubled our savings rate this past year. Literally doubled it. When I first started tracking our finances closely, we’d been doing “reasonably well” for years when it came to our finances, but there was a lot of mindless spending that occurred each month and we didn’t have a very... Read more »
  • Friday’s Frugal Five (2019 – Week 2)
    I still get a thrill writing 2019 on the cover photos for these. Sometimes I feel like I’ve been a blogger forever, and other times I can hardly wrap my brain around how long it’s actually been. It still has not been crazy long in the grand scheme of things,... Read more »
  • Women’s Personal Finance Wednesdays: Week 16 Roundup
    Welcome to another week of the Women’s Personal Finance Wednesdays roundup. I started this series after months of debate because I wasn’t certain I wanted to up the ante and commit to publishing three posts a week. However, now that I’ve started sharing these posts, I’m so glad I started.... Read more »
  • Zero Waste: A Month of Tracking My Trash (Guest Post from The Mastermind Within)
    When Budget Epicurean first approached me with the idea of her guest post on zero waste, I didn’t realize that it would grow into the start of a whole series on my blog, but I did immediately realize I wanted to spend year two writing a lot more about sustainability.... Read more »
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    Mr. Free At 33

  • How I Define “Diworsification”
    Diversification. The only “free lunch” for investors, according to some. A tool for the uninformed, according to others. I’m not here to argue it either way – I’m personally in the camp of the former – because I’ve already made my mind up and invest accordingly. What other people decide... Read more »
  • Expenses For December 2018
    Time to open up the books on how much money I spent last month. Managing expenses is absolutely critical to becoming financial independent at a young age. In fact, I’d argue it’s much more important to be an excellent saver than an excellent investor in this regard. And in order to save, you must... Read more »
  • Undervalued Dividend Growth Stock Of The Week
    Every Sunday, I uncover a high-quality dividend growth stock that appears to be undervalued. These pieces are published at Daily Trade Alert, which is a site that focuses on dividend growth investing, stocks, and unique investment opportunities. I’ve been writing for them for years now, and they’re just great over... Read more »
  • Wantrepreneurs: The Truth About Digital Nomads In Chiang Mai, Thailand
    Wantrepreneurs.  No, that’s not technically a word. Yes, I purposely used it. Forget the hype about Chiang Mai’s “digital nomad” scene. The city is filled with wantrepreneurs. Look, I’m not here to bash on a certain group of people. Furthermore, I’m not going on this small rant because I’m in... Read more »
  • Dividend Income Update For December 2018
    Ahh, dividends. Even just hearing that word conjures up all kinds of warm and fuzzy feelings for me. I remember playing the board game Monopoly as a kid. My favorite Chance card was the one where Mr. Monopoly (or Rich Uncle Pennybags) collected his bank dividend of $50. I thought that was so... Read more »
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    The Happy Philosopher

  • Buy Nothing 2018 Experiment – November Update
    The purpose of doing an experiment is to learn something about yourself, and to see if there is an opportunity for growth or positive change. I started the Buy Nothing 2018 experiment with this in mind. It started with a no clothes challenge, but since I had plenty of clothes... Read more »
  • Searching for Purpose
    I was sitting on a bench just enjoying the beautiful fall day. It was sunny and warm, or perhaps I was warm due to the semi-vigorous bike ride. Every now and then a cloud would briefly cover the sun or a gentle breeze would throw a slight chill in the... Read more »
  • Losing Everything
      Today’s guest post is written by EJ, a physician blogger who writes at Dads Dollars Debts. I reached out to him shortly after I read this post, and asked him to share his story with all of you. Enjoy! THP   So how does one lose all of their... Read more »
  • You Are Probably Wrong About Everything
    One day, back when I was relatively young and naïve, I was watching an episode of 60 minutes. I’m sure you have probably seen this show at least once, but in case you haven’t it is a news program that does relatively in depth stories on various topics. I used... Read more »
  • Buy Nothing 2018 Experiment – May Update
    I am 5/12th of the way through my buy nothing experiment I started at the beginning of the year. In short, I have decided to be more deliberate about my consumption and buy things only when they meet certain criteria as I described in this blog post.   As I... Read more »
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    The Happy Philosopher

  • Buy Nothing 2018 Experiment – November Update
    The purpose of doing an experiment is to learn something about yourself, and to see if there is an opportunity for growth or positive change. I started the Buy Nothing 2018 experiment with this in mind. It started with a no clothes challenge, but since I had plenty of clothes... Read more »
  • Searching for Purpose
    I was sitting on a bench just enjoying the beautiful fall day. It was sunny and warm, or perhaps I was warm due to the semi-vigorous bike ride. Every now and then a cloud would briefly cover the sun or a gentle breeze would throw a slight chill in the... Read more »
  • Losing Everything
      Today’s guest post is written by EJ, a physician blogger who writes at Dads Dollars Debts. I reached out to him shortly after I read this post, and asked him to share his story with all of you. Enjoy! THP   So how does one lose all of their... Read more »
  • You Are Probably Wrong About Everything
    One day, back when I was relatively young and naïve, I was watching an episode of 60 minutes. I’m sure you have probably seen this show at least once, but in case you haven’t it is a news program that does relatively in depth stories on various topics. I used... Read more »
  • Buy Nothing 2018 Experiment – May Update
    I am 5/12th of the way through my buy nothing experiment I started at the beginning of the year. In short, I have decided to be more deliberate about my consumption and buy things only when they meet certain criteria as I described in this blog post.   As I... Read more »
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    The Frugal Vagabond

  • Semi-FIRE Abroad: Ordinary Days, Extraordinary Life
    We've been living here in Spain for about four months now, so how is it going? Is it everything we'd hoped for? What do we miss most (and what do we not miss at all)? Just what are we doing with all that spare time? The post Semi-FIRE Abroad: Ordinary... Read more »
  • Obtaining Your Spanish Residency Card (Tarjeta de Identidad de Extranjero)
    How to get your Spanish Residency Card (Tarjeta de Identidad de Extranjero) once you've arrived in Spain. You got your residence visa, now it's time to seal the deal! The post Obtaining Your Spanish Residency Card (Tarjeta de Identidad de Extranjero) appeared first on The Frugal Vagabond.... Read more »
  • How to Get a Spanish Non-Lucrative Residence Visa
    How we were able to live abroad, and how you can too! How to get a Spanish Non-Lucrative Residence Visa and live legally in Spain for a year or more! The post How to Get a Spanish Non-Lucrative Residence Visa appeared first on The Frugal Vagabond.... Read more »
  • Our New Adventure Begins
    A few days ago, we revealed that we’d be taking a sabbatical year to live abroad. It’s the culmination of years of dreaming and many months of planning, but in the very near future, we’ll be living abroad and exploring… The post Our New Adventure Begins appeared first on The... Read more »
  • Massive News: We’re Moving Abroad!
    We're leaving the country, but to where? Who's going? Are we FIRE, or is this something different? How did we get here, anyway? The post Massive News: We’re Moving Abroad! appeared first on The Frugal Vagabond.... Read more »
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    Retire29

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



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    Financial 180

  • VideoSo Much Time & So Little To Do!
    Wait a minute. Strike that – reverse it! I know, I know, I haven't updated this blog in months. What gives?! If things get any more sporadic around here I'll be on the Miss Mazuma publishing schedule! 😉 Maybe I should adopt the slogan of Wait, Buy Why and claim that I'll have... Read more »
  • Reaching for the Moon(shot)!
    This week, I'm thrilled to be featured on Coryn Quester's “Discover What's Possible” Podcast! In the interview, we talk about everything from the ‘Why' of FI,  to the most challenging aspects of financial independence for those just starting out. But one of the more interesting questions she posed really got... Read more »
  • Misconceptions of FI
    This past weekend The Wife and I went to see Crazy Rich Asians, and really enjoyed it! (Featured image credit: Entertainment Weekly) Having been on the FIRE journey for a few years now, it was fun taking in all the over-the-top luxury on the screen. Of course, this wasn't the... Read more »
  • Early Retirement Fun!
    It's been 250 days since I quit my stressful job in software engineering to dip my toes in the early retirement waters, so I wanted to give you an update on post-retirement life. First, some big news: I was one of the winners of the FinCon scholarship program this year! If... Read more »
  • Fire Drill Podcast!
    This week I had the pleasure of being featured on the Fire Drill Podcast with Gwen from Fiery Millennials and J from Millennial Boss! How to Learn from Mistakes and Turn Your Life Around with Joel from FI180.com Some takeaways from the episode: Recovering from significant real estate and investment mistakes... Read more »
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    DiverseFI

  • The Creation Consumption Divide
    The Creation Consumption Divide I never remember reading that many medical blogs. Back in the early two thousands, I entered the community mainly as a creator. As sad sad as it sounds, I didn’t... The post The Creation Consumption Divide appeared first on DiverseFI.... Read more »
  • Five Minutes
    Five Minutes I’ll see you in five minutes! My daughter giggles. She does this every Monday and Tuesday when I drop her off in the morning. She giggles again when I pick her up... The post Five Minutes appeared first on DiverseFI.... Read more »
  • Battling The Retirement Treadmill
    Battling The Retirement Treadmill Apparently, I can’t get enough of treadmills. I talk about them constantly. I have discussed the hedonic, stoic, and achievement treadmills in the past. The problem is that the brain’s... The post Battling The Retirement Treadmill appeared first on DiverseFI.... Read more »
  • Thrive
    Thrive We are a result of the unique experiences, trials, and tribulations that we have lived through. Nobody escapes unscathed. Life. The act of living is rife with the possibility of tragedy. No one... The post Thrive appeared first on DiverseFI.... Read more »
  • What’s Up Next Podcast: Episode 13
    What’s Up Next? Paul Thompson and I are proud to release of episode 13 of the The What’s Up Next Podcast.  This podcast is an exploration of financial independence and taking the conversation to... The post What’s Up Next Podcast: Episode 13 appeared first on DiverseFI.... Read more »
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    Vital Dollar

  • 50 Things You Didn’t Know You Could Get for Free
    Everybody loves to get something valuable without paying anything for it. There are a lot of different ways to get free stuff, and many of them are things that you may not be aware of. I’ve spent a lot of time scouring the web for the best free offers, and... Read more »
  • Transcription Equipment: What Do You Need to Work as a Transcriptionist?
    Working as a transcriptionist is a great, and flexible, way to make money from home. If you’ve got some typing skills, this may be a job or side hustle that you’ll want to consider. In order to work as a transcriptionist, you will need a few basic pieces of equipment.... Read more »
  • 10 Clever Ways to Make Money on Your Lunch Break
    If you’re looking to earn some extra money with a side hustle, making use of any extra time in your schedule is important. For many people, an hour-long lunch break can be put to good use for something other than running out to get lunch at a restaurant. While a... Read more »
  • How to Teach Your Kids About Money
    80% of American adults say they could use some help with their finances, according to a Consumer Financial Literacy Survey. Does that surprise you? At what point do we learn how to manage our finances? Did you have Finance 101 in high school? I didn’t. In fact, most people didn’t.... Read more »
  • How to Make $500 Fast: 13 Ways to Earn Extra Money Quickly
    Looking to make some money quickly? You’re in luck! There are plenty of different ways to make money now, and this article will cover several realistic options that you can implement starting today. In a previous article, I wrote about How to Make $100 Fast. The methods covered in today’s article... Read more »
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    Your Money Geek

  • 9 Things to Know Before Renting Your First House
    9 Things to Know Before Renting Your First House We’ve talked before about the difference in value between renting and buying a home. But for some people, trying to think long-term about these decisions isn’t an option at the moment. Before even considering buying a house, many people still have... Read more »
  • 7 Personal Finance Tips for Every Small Business Owner
    The following is a guest post from Michael Deane one of the editors of Qeedle Seven Tips for Every Small Business Owner Small business owners carry a lot of responsibilities on their shoulders. With their overwhelming workload, entrepreneurs sometimes make financial mistakes that result in wasting resources, hindering a startup’s success... Read more »
  • 200th Blog Post: The State of The Blog, Traffic, and Thank You
    To celebrate our 200th we have a special giveaway that you will not want to miss at the bottom of this post.   The State of The Blog, Traffic, and Thank You   Woot Woot! We did it fellow money geeks! The blog is now approximately one year old. Today, I... Read more »
  • Meet Sci-Fi Author Teresa McLaughlin
    Today I am excited to share a success story interview with Sci-Fi author Teresa McLaughlin. I enjoy talking with authors about success because I find authors face challenges similar to bloggers, actors, podcasters, side hustlers and even small business owners. It takes a tremendous amount of work to build connections online... Read more »
  • Bouck’s Rule and the Mind of a Millionaire
    The following is a guest post from Zachary Bouck of Denver Wealth Management and the podcast the Mind of a Millionaire. Bouck’s Rule and the Mind of a Millionaire   I recently had the opportunity to sit down and speak with Michael Dinich about some personal finance tips and tricks... Read more »