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    Mr. Money Mustache

  • Four Ways We Can Hang Out
    Hi there. Don’t get too excited, this isn’t a real blog post. But there were enough things worth sharing that I thought it would be worth sending a little mid-month Hello. Life has been busy around here, drunkenly walking that fine line between the zones of “Exciting and stimulating and... Read more »
  • VideoHow To Slow Down Time and Live Longer
    “They sure grow up fast, don’t they?” “The older you get, the faster time flies.” “You can’t slow down time, so treasure your days because they’ll be gone before you know it.” We’ve all heard these thoughts, often from the parents of grown children. If you’re part of the older... Read more »
  • 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 »
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    financial independence / early retirement

  • Pay 30 y mortgage early or invest
    I have a 30 y fixed interest 4.375% mortgadge originating in March 2017 and maturing in April 2047. If I would pay $950 more (towards the principal) starting today I would be able to pay it off by 11/2030 and save $110,500 in interest. However, if I save and invest... Read more »
  • How to withdraw from investments upon early retirement?
    Would the community please point me to some blog posts or literature on this subject? (I.e., how to decide which accounts to draw from, how to optimize for taxes, etc.; not SWR.) ​ I am probably just looking in all the wrong places, but I find plenty on savings and... Read more »
  • MMM proposes a car-free, bicycle-friendly city near Boulder, CO
    Can't post a link, so head over to r/boulder for more details submitted by /u/wxuz [link] [comments]... Read more »
  • How much money in checking?
    I have the following: Emergency fund (6 months expenses) in a savings account As much as possible in tax-advantaged accounts (401k, etc.) I've invested signficantly in paying down debt, and at this point I only have very low interest debt left. I have a pretty good chunk of cash left,... Read more »
  • Timing the market when I know I SHOULDN'T be!
    This is a call for help. I've been 100% cash on all of my investments since late January 2018 when the market dropped. I have more than a decade before I FI and I know time in the market > timing the market. Ironically enough my advice for people is... Read more »
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    ChooseFI

  • mp3115R | How to Get Out of Debt
    A how-to conversation about strategies for tackling consumer debt, a review of Monday’s episode with Bonnie Traux, and a few updates about the ChooseFI community.     Brad’s wife no longer working as a CPA – although she was technically laid off, she’s excited for the extra time in her... Read more »
  • mp3115 | Poverty, Divorce and FI by 43 | Bonnie Truax
    Bonnie Truax, a blogger and early retiree, shares her story of growing up below the poverty line, scraping her way out of inherited debt, reaching financial independence without knowing what it was, and understanding how to talk about money with your spouse. Bonnie grew up with family income that was... Read more »
  • mp3114R | Fine Tuning the College Equation
    Brian Eufinger returns to fill the gaps and address questions from the community about PSATs and National Merit Scholars, Brad and Jonathan discuss the benefits of creating a college-hacking strategy early, and the ChooseFI community responds to Monday’s episode. Financial independence is generally about knowing the rules and making decisions... Read more »
  • mp3114 | Demystify College Admission & Aid | Brian Eufinger | Edison Prep
    Brian Eufinger, co-founder of Edison Prep, dives deep into the college admissions process and explains how a student should approach grades and test scores to give themselves the best college options, and how to pay for college without collecting a huge student loan debt.   Most merit aid that students... Read more »
  • mp3113R | Making your Retirement Plan Bullet Proof | Tanja Hester
    Tanja Hester retired early 15 months ago and joins the show to share her experience of being work optional, Brad makes a decision about solar panels, and a review of Monday’s episode with Grant Sabatier.   Brad shares some updates with his car malfunctions and follows up about his solar... Read more »
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    Early Retirement Extreme

  • Guestpost Extreme Early Retirement in Germany
    This is a guest post from Hein Viermann. A freegan in his early 30s, who lives in Germany and wants to get out of the corporate career system. He invests mainly in real estate/rentals. I was born in 1978 and I’m on the brink of retiring (extremely) early. As I... Read more »
  • On Experts and Pseudo-Experts
    In every field, there are very few true experts, who understand the given subject and operates accordingly. There are, however, typically, very many pseudo-experts, who do not not understand the subject but yet are able to operate because they have compiled a large amount of tips and tricks on how... Read more »
  • Democracy, Hollingworth, and the ingenuity gap
    Hollingworth’s research in intelligence showed that the communications range from one person to another extends about two standard deviations(*) of IQ(**) points. [Suddenly certain communications barriers you may have make perfect sense, no? 😀 ] (*) Note that discussions on IQ rarely mentions which standard deviation is used which of... Read more »
  • Why Black Swans are on the increase
    It is really quite simple. Entropy increases (the only way to decrease entropy is to expand the borders to include other systems with less entropy, got that?). To keep profiting in an entropic environment, complexity must increase. The current solution for increasing complexity is connectivity. (Another solution is becoming more... Read more »
  • The virtue of discomfort
    Discomfort is a virtue. Without discomfort it is not possible to retrain to your insulin system to stop expecting a new infusion of carbohydrates every third waking hour. Without discomfort the body never learns to burn fat for energy. Without discomfort it is impossible to be full of energy without... Read more »
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    Physician on FIRE

  • The 7-Figure Urologist: Origin Story
    Last summer, an enterprising urologist reached out to me with an interesting story to share, and he offered to write up his story for me to share. I often quote or paraphrase Henry Ford’s saying: “Whether you believe you can do a thing or not, you are right.” And as... Read more »
  • Walt Disney World for the FIRE Crowd
    It takes a high savings rate to achieve financial independence and retire early. A visit to Disney World requires a significant output of money. Nevertheless, if Disney World is a high priority for you or your children, there are strategies that can help you fit a Disney trip into nearly... Read more »
  • The Sunday Best (2/17/2019)
    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 »
  • Rebalancing Your Portfolio: Why, When, and How
    You’ve decided on the perfect asset allocation for you. It matches your risk tolerance, preference for domestic versus international equities, and the numbers, as expressed in percentages, are perfect multiples of ten. You’ve got a spreadsheet to automatically track and calculate those percentages. 60, 20, 10, 10. It all adds... Read more »
  • VideoChristopher Guest Post: Financial Panther
    “Mr. Simpson, You’re a dollar overdrawn.” “Get him, Sheba!”  Those were the humble beginnings of the Financial Panther. That Simpsons sketch would later inspire my lawyer friend Kevin to become the less ferocious, but equally effective online embodiment of the Financial Panther. Kevin was one of the very first bloggers... Read more »
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    The Wealthy Accountant

  • Mr. Money Mustache Fired His Accountant
    It was late May of 2015 when a wayward accountant from the backwoods of Nowhere, Wisconsin traveled to Cascadia. Tucked away in the Washington State foothills stood the Rainbow Lodge where a nondescript gathering of devoted followers of the emerging Mustachian movement were preparing for Camp Mustache II. This was... Read more »
  • The Coming Collapse of China
    When the Western economic world collapsed in 2008 there was only one beacon of light: China. For decades China has grown at nose-bleed speeds and looked like an unstoppable economic miracle. Now the foundations of that miracle are exposed and the house of cards is in peril. Shadow banks and... Read more »
  • Final 199A Regulations
    The IRS released final regulations on 199A. The Kiplinger Tax Letter said it best: "Final regulations provide limited guidance, but IRS gives a safe harbor." In this post we will discuss the safe harbor as it relates to "trade or business" with special emphasis on application with rental properties. The... Read more »
  • Challenges of Running a Successful Blog
    Blogging is a business. Sometimes it's hard to believe, but it is true. Along with podcasting, speaking and every other form of training and education, blogging is a business. Sometimes a really big business. And businesses take work to manage and grow. It is easy to forget that those friendly... Read more »
  • Why the FIRE Movement Will Never Die
    Retirement, or at least the ability to to live a hedonistic lifestyle, appeals to many people. Age has nothing to do with it. Punching a clock working for the man get old real fast when you don't have perspective. Until you realize how useless life becomes when you spend each... Read more »
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    Millennial Revolution

  • Let’s Go Exploring! Malta: An Undiscovered Paradise?
    Why did we go to Malta? Well, ever since we got a visa to stay in Europe for a full year I’ve been obsessively trying to check off every country in the EU (as of the time of writing, we have just 5 countries left—Slovenia, Sweden, Norway, Liechtenstein, and Luxemburg).... Read more »
  • Behind the Scenes of an International Film Shoot
    “I am with the production team at 60 Second Docs. We recently learned about your story of how you two were able to save and invest your money to the point where you could retire very early. We were absolutely amazed and know our audience would love to learn more... Read more »
  • Reader Case: Should I Enter The Market?
    It’s Friday, and you know what that means…Reader Study Time! Today’s reader has a few questions for us, but the main one is one that’s been asked a lot lately: When is a good time to enter the market? So without further ado, onto their email! I am single and... Read more »
  • How Does a Pension Affect My 401(k)/RRSP Withdrawal?
    Pensions. Remember those things? No? Well then gather round, young Millennials. It’s Story Time! You see, back in the days of yore (i.e. the 60’s), companies had these magical things called “pensions” that they offered to their employees as part of this other magical thing called “benefits.” I know, I... Read more »
  • Book Review: Financial Freedom by Grant Sabatier
    I never expected to breeze through a 352-page Finance tome at 30,000 feet in the air, but two days ago, it happened. We were headed to Bangkok from Milan on a ten-hour flight, and despite the long list of free movies to choose from, I decided to read Financial Freedom... Read more »
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    Fiery Millennials

  • Always Be Interviewing
    Today’s post is a guest post by my wonderful friend Mr. Waffles on Wednesday. We first met almost 2 years ago and hung out for a week in Ecuador at Chautauqua 2017. I also went to visit them in California last year. Mr. WoW and I have some pretty great... Read more »
  • Monthly Status Report: January 2019
    Disclaimer: some links may be affiliate links. They help offset the cost of keeping this blog running! It’s baa-aackk! Now that I can stand facing my finances again, I can compile everything into a status report again. I got many emails, messages, comments and paper airplane notes asking me to... Read more »
  • The Privilege of Self-Employment
    In early 2018, I took a leap of faith into the unknown and quit my steady, fulfilling W2 corporate job for the turbulent waters of self-employment. I’d talked to countless entrepreneurs through the podcast and knew many successful entrepreneurs. How hard could it be if I were surrounded by people... Read more »
  • VideoBeware of the Compare
    Hi all, I’m Financial Mechanic, and I write about tools that can help everyone in their pursuit of financial independence.  I found Fiery Millennials when I first learned about FI as a concept and have enjoyed following Gwen’s escapades. I am continually impressed by her aplomb, and thank her for... Read more »
  • 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 »
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    Go Curry Cracker!

  • How Do I Live Off Just Dividends?
    This week, a fairly common question from the inbox: Hey Jeremy, thanks for the great blog! I’ve read all of your stuff. Like you, I’ve put a lot of our retirement portfolio into VTI / VTSAX. VTI pays about 2% which is only half of what the 4% rule allows... Read more »
  • Roth Conversions vs Capital Gain Harvesting
    There are a lot of great comments on this site and on the forum. Here is one of them that deserves a longer response: “Hey GCC, thanks for sharing your tax returns each year. How do you decide in a given year whether to do a Roth IRA conversion, harvest... Read more »
  • My Best Travel Mistakes
    I sometimes hear from respected members of the Go Curry Cracker Community that traveling internationally can be a daunting prospect. “I wish I was as confident as you guys, to go off into the great unknown and have grand adventures! I’m too worried that I’ll make a big mistake.” –... Read more »
  • US vs International Investing
    Should I invest in International stocks? If so, what percentage of assets should be invested internationally? These are important questions to answer when deciding on a target asset allocation. This is how I thought about that decision. Should I invest in International Stocks? Like most investing questions, there is no... Read more »
  • Screen Time
    One of my personal goals for 2019 is to spend less time in front of a screen. This includes phones, laptops, and televisions. Reading books on my Kindle is still allowed. I certainly spend way less time on a device now than I did while working, but I find that... Read more »
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    Get Rich Slowly

  • Case study: Deep in debt but scared to take action
    Last night, as I do from time to time, I met with a GRS reader. Actually, Debbie doesn't read this site but her sister does. And Debbie means to. Although I met Debbie's sister last year at a Camp FI event, I'd never met Debbie before. “So, what's your situation?”... Read more »
  • The end of the road: Preparing to buy a new car
    Yesterday, Kim and I joined my cousins for an afternoon trip to the Oregon Coast. Our aim was to harvest a bounty of clams. We came home with zero. We managed, however, to harvest a bounty of mussels. Plus, the dog had fun. My cousin Duane carpooled with us to... Read more »
  • Book review: Work Optional by Tanja Hester
    Last week, I published an extended excerpt from Grant Sabatier's new book, Financial Freedom. Sabatier's core message is that time is more valuable than money — and that freedom is more valuable than time. Several GRS readers took issue with the book's seemingly anti-work tone. “There is a lot of... Read more »
  • VideoBy the numbers: My spending for January 2019
    You know how sometimes you let chores and errands and obligations pile up until there's nothing left but to ignore what you want to do and take time to actually do what needs to be done? Yeah, well that's what the past week has been like for me. I've spent... Read more »
  • Financial freedom and the value of time
    Note from J.D. Last October, I had a chance to read an advance copy of Grant Sabatier‘s new book, Financial Freedom, which was just released this morning. I liked it. I loved parts of it. In fact, the second chapter of Financial Freedom inspired my article about how time is... Read more »
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    Our Next Life

  • Behind the Scenes of WORK OPTIONAL: Retire Early the Non-Penny-Pinching Way, Now Available Everywhere
    It's official, friends! Work Optional: Retire Early the Non-Penny-Pinching Way is out in the world! To thank you for your support in making it happen, today I'm sharing loads of behind-the-scenes details about the book-writing process, and hosting a massive giveaway. Come join in!... Read more »
  • Learning Not to Let the Markets Affect You
    It seems that the period of stock market volatility we've been in the past few months is here to stay for a while. Does that have you feeling anxious? If so, you're normal, but you don't have to stay that way. Learning not to let the markets or their machinations... Read more »
  • Free and Cheap Ways to Give Back in Early Retirement
    As much as I encourage anyone pursuing financial independence to include charitable giving in their plan, the truth is that you don't have to shell out big bucks to do good in the world. There are quite a few great ways to make a difference that cost you nothing or... Read more »
  • One Year of Early Retirement, Part 3: What We’re Changing
    This week's post is the third and final part in the wrap-up of our first full year of early retirement. Today we're talking about everything we're consciously changing in year 2, based on what we've learned about early retirement and learned about ourselves.... Read more »
  • 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 »



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    Early Retirement Extreme Forums (est. 2010)

  • ERE Journals • Re: bigato's journal
    I've built stuff out of cardboard boxes before. One issue is that humidity eventually wears it down. That will probably take longer with a honeycomb structure.For wooden solutions, seehttps://www.amazon.com/How-Build-Grid-B ... 865716137/https://www.amazon.com/Nomadic-Furnitur ... 764330241/https://www.amazon.com/Guerilla-Furnitu ... 612123031/For really old school furniture design, the keyword is campaign furniture. I have no book sources... Read more »
  • ERE Journals • Re: bigato's journal
    I'm starting to realize that maybe buying a property here that makes sense from an ere viewpoint will not be so easy. It may take longer than I thought it would. Also, maybe it is not even a good idea. Choosing your living quarters, the place where you go to... Read more »
  • ERE Journals • Re: ChickenCoop's Scraps
    Flashback to an older posted question!Here’s a question regarding wood. Does wood lose some of its heating quality if it’s stored for too long?Generally speaking, no. If the condition of the wood was poor to begin with or fungus has taken root, then it will slowly decay even if kept... Read more »
  • ERE Community • Re: Danish FIRE meetups March 2019 (Copenhagen and Aarhus)
    I wouldn't mind arranging the meetup in Aarhus, but unfortunately I work nightshifts that weekend and will have to leave early before we finish.I'll see if I can make it to CPH. then.Statistics: Posted by Incognito — Fri Feb 22, 2019 12:46 pm... Read more »
  • Work & Education • Re: Jobs That Teach Useful Skills
    Thanks everyone for the ideas I just talked to a friend/former co-worker and he said if I got a job at his current place he'd teach me to be a maintenance tech while I worked as a leasing agent. They were looking for people at his place so I sent... Read more »
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    The Money Mustache Community

  • Re: Dividends do not matter
    There is no such thing as a "mandatory" price drop for ex div corporate stocks.  Price is agreed between buyer and seller alone.... Read more »
  • Re: Blended Family Financial Obligations
    For what it's worth, my kids have a stepmom, and she is cool and funny and she loves them and they love her and I'm glad she's in our lives. It is not the life I imagined for my kids and it's not always easy for any of us, but... Read more »
  • Re: Revisiting housing options
    Quote from: joenorm on Today at 08:26:54 AMThe funny thing is, almost everyone I discuss this with urges me not to sell, saying it is always better to own real estate than not. This idea likely stems from super high ...... Read more »
  • Re: What small things did you do TODAY to save money?
    * Bought new-to-them clothes for the kids at Goodwill instead of hitting the mall* Saved the cost of gasoline for two trips I took in our "solar car" (actually solar-charged e-bike) instead of the Honda... Read more »
  • Re: Dividends do not matter
    The UK FTSE 100 average dividend is 4.2% (has been between 3.5-4.5 for the past 8+ years)... at hose level it absolutely does matter more than the SP500 abt at 1.8%... Read more »
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    Accidental Fire

  • Can We Please Stop Squashing Entrepreneurship?
    Last summer in Stapleton Colorado three little boys decided to set up a lemonade stand.  Better still, they decided to give all proceeds to a five year old boy in Indonesia using a charity called Compassion International.  The kids running the stand... The post Can We Please Stop Squashing Entrepreneurship? appeared first... Read more »
  • Which Financial Institutions Get The Most Consumer Complaints In America?
    Have you heard of the Consumer Financial Protection Bureau (CFPB)?  It was created under the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) and stood up in July of 2011.  The Dodd-Frank Act was passed in response to... The post Which Financial Institutions Get The Most Consumer Complaints... Read more »
  • Being A Functional Alcoholic Made Me Think About The Dichotomy Of Discipline
    I posted an info-graphic a little while back as a companion piece to my guest post on Get Rich Slowly.  I love it when readers comment, especially when they write something that makes me stop and think.  Steveark left me... The post Being A Functional Alcoholic Made Me Think About... Read more »
  • Never Underestimate Your Ability To Adapt
    One of the core tenants of the financial independence movement is to avoid lifestyle inflation.  Investopedia defines lifestyle inflation as “increasing one’s spending when income goes up”.  I don’t think that’s the best definition since many people increase their spending even when... The post Never Underestimate Your Ability To Adapt appeared first... Read more »
  • Scientists Discover Mysterious Click Funnel So Powerful Even Light Can’t Escape
    PASADENA, CA – NASA scientists have discovered an online click funnel so powerful even light can’t escape.  Using the new Kepler telescope, precise gravitational measurements, and mass spectrometry, scientists have confirmed the existence of what they have labeled “click-funnel MPBM3”... The post Scientists Discover Mysterious Click Funnel So Powerful Even... Read more »
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    jlcollinsnh

  • Chautauqua 2019 – UK & Portugal – Tickets Now Available
    First… OK, I’m just going to come out and say it. If you want to join us for Chautauqua 2019 stop reading and go directly here to sign up: Chautauqua UK & Portugal, 2019 Do it now. The advance interest we’ve had this year has been like no other. Chautauquas... Read more »
  • Mr. Bogle passes
    Jack Bogle died last week on January 16th. It was a shock to me. It shouldn’t have been, I suppose. He was 89 after all. Not to mention he had his first heart attack at age 31 and a heart transplant in 1996. But still, somehow we don’t expect greatness... Read more »
  • “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 »
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    jlcollinsnh

  • Chautauqua 2019 – UK & Portugal – Tickets Now Available
    First… OK, I’m just going to come out and say it. If you want to join us for Chautauqua 2019 stop reading and go directly here to sign up: Chautauqua UK & Portugal, 2019 Do it now. The advance interest we’ve had this year has been like no other. Chautauquas... Read more »
  • Mr. Bogle passes
    Jack Bogle died last week on January 16th. It was a shock to me. It shouldn’t have been, I suppose. He was 89 after all. Not to mention he had his first heart attack at age 31 and a heart transplant in 1996. But still, somehow we don’t expect greatness... Read more »
  • “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 »
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    zen habits

  • Vast Mind: 3 Ways to Open Beyond the Self-Concern of Our Small Mind
    By Leo Babauta Most of the time, we are caught up in what can be called “small mind”: the small world of self-concern, of wanting to get what we want and avoid what we don’t want. This is the cause of our suffering — always running to distraction, procrastinating, caught... Read more »
  • Cooking Healthful Joyful Meals with a Picky Family
    By Leo Babauta Shifting from a convenient but unhealthy diet to one of healthful, delicious joy can be a challenge when you’re living alone — but there’s a whole new level of challenge if you are part of a family. The problem: while you might want to change to a... Read more »
  • Why We Struggle to Make Time for Solitude
    By Leo Babauta How often do you take time to go out for an hourlong walk? To just sit out in nature doing nothing but contemplating and enjoying the silence? I’m sure there are a few of you who indulge in this luxury regularly, but most of us don’t make... Read more »
  • Connecting Your Work Tasks to Meaning
    By Leo Babauta I’m really good at getting a lot of things done, taking action, piling up a buttload of completed tasks. Action isn’t my problem — it’s making the tasks themselves feel more meaningful. Do any of you have that problem, that your work just feels like busywork, not... Read more »
  • The Zen Habits Guide to Spending Your Time Intentionally
    By Leo Babauta Yesterday I was on a call with an active member of my Fearless Training Program, and she asked a question about how to spend her time more intentionally. Her key insight for me was that a lot of people in the program (and I think many people... Read more »
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    Frugalwoods

  • Port And Other January 2019 Expenditures
    Our kitchen faucet joined the ranks of the no longer living. As you might recall, Mr. Frugalwoods put in a herculean effort back in October to keep this faucet among that which is operational in our home. His plumbing fix worked. Until it didn’t. The valve in the faucet broke... Read more »
  • How I Saved Tons Of Money During My Baby’s First Year
    In honor of Littlewoods turning ONE YEAR OLD this month, I’m enshrining my ideas on how to be frugal with infants. ALL of my ideas. Seriously, I don’t think I left anything out. You’re welcome and/or I’m sorry. Waxing Nostalgic With Littlewoods’ first birthday, I finally understand the feeling “bittersweet.”... Read more »
  • Reader Case Study: Longterm Planning When You Have a Chronic Illness
    Katie and Arden live on beautiful Cape Cod in Massachusetts and have a passion for travel, spending time on the water, renovating their home, and enjoying life. Katie has Cystic Fibrosis and would like our advice on how to plan for retirement while still living it up with her husband,... Read more »
  • Reader Suggestions For How To Plan A Fantastic Frugal Wedding
    My husband and I have had a lot of things over the years: 10.5 years of wedded bliss, two darling children, endless conversations about grocery lists, vacations abroad, tears, exhaustion, and joy. One thing we didn’t have? A frugal wedding. Yep. You heard it here first: the Frugalwoods did not... Read more »
  • Hacked SodaStream Seltzer Reload And Other December 2018 Expenditures
    It’s appropriate that I spent $34.25 on a 20lb tank of C02 because quite a few of you are participating in my bi-annual Uber Frugal Month Group Challenge (UFM) this month. And this tank of C02 is the perfect illustration of an overarching theme of the UFM: Frugality isn’t about... Read more »
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    grumpusmaximus.com

  • GI(bill)arbitrage
    Did You Catch What I Did There? I’ve invented a new term. Or maybe it’s a word. What do you call a word with parens in the middle of it? Do the grammar police allow such nonsense? Probably not. When I run this article through Grammarly, I bet it will... Read more »
  • 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 »
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    grumpusmaximus.com

  • GI(bill)arbitrage
    Did You Catch What I Did There? I’ve invented a new term. Or maybe it’s a word. What do you call a word with parens in the middle of it? Do the grammar police allow such nonsense? Probably not. When I run this article through Grammarly, I bet it will... Read more »
  • 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 »
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    Budgets Are Sexy

  • Tooth Fairy payouts plunges for a 2nd consecutive year 🧚‍♀️
    Tooth Fairy payouts plunges for a 2nd consecutive year 🧚‍♀️ I know this was at the top of your mind this year, so had to share the second I caught wind 😉 “Tooth Fairy Payouts Plunges for Second Consecutive Year!“ According to the Original Tooth Fairy Poll® by Delta Dental,... Read more »
  • When was the last time you treated yourself?
    When was the last time you treated yourself? When was the last time you really treated yourself to something? Are you happy about it? Caught this article on Business Insider and got me dreaming away the morning 😉 The CEO of a marketing agency grants 10 of his employees’ wishes... Read more »
  • Some good resources on the blog to bookmark ⭐
    Some good resources on the blog to bookmark ⭐ Hey guys! Been a while since I’ve pointed out a bunch of the resources on this blog, so thought I’d drop a quick line today to re-share some of ’em so you know they exist… Especially as it seems no one... Read more »
  • 17 Hacks to Reach FIRE Faster
    17 Hacks to Reach FIRE Faster Last week I asked y’all what hacks you’re doing right now to reach FIRE faster, and your answers were just as creative as they were helpful 😉 Since not everyone scans the comments or reads my inbox though (at least I hope you can’t... Read more »
  • Stats That Would Make Our Founding Fathers Cringe
    Stats That Would Make Our Founding Fathers Cringe Happy Presidents Day! Here are a bunch of financial stats I’ve been saving up that would shock our founding fathers right up from out of their graves, haha… All that freedom they fought for, and what do we do with it all??... Read more »
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    The Escape Artist

  • Get Rich without…Self-Sabotage
    I’m not sure if you noticed but I made a pretty big claim in my last post: This brings us to one of the great taboos of personal finance which is that most people are self-sabotaging. This inconvenient truth gets swept under the carpet in the earnest and somewhat prissy... Read more »
  • Work Bitch
    They say a picture is worth a thousand words. And if that’s true, then what’s a slick video with a banging tune and hilarious lyrics worth? Quite a lot, I reckon. There’s an unwritten rule that stuff about money has to be written so blandly that none of the children in... Read more »
  • VideoHow to have a Great Day
    One of the problems with Left vs Right politics is that both sides fall into the same trap of assuming that having more stuff is the answer to all problems. On The Left, communists / socialists want more government control over the economy so everyone can eat more beetroot, have... Read more »
  • 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 the 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 »



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    montanamoneyadventures.com

  • The FIRE-y Life with Mr. 1500
    Jillian asked me to do this interview almost two years ago. Then life got busy. Then, it got busier. I kept on telling her I’d complete it in two weeks. And then I wouldn’t. Instead of producing the post, I’d produce more excuses. I suck. However, I do keep my... Read more »
  • Never Forever Home
    It’s always been a dream of mine to build a home. Ever since I was in middle school, I loved architecture and design. When we bought our first house, I decided to dive in and learn as much as I could about construction. But there is one term I’ve never... Read more »
  • The Power of Community
    Have you ever floated down a “lazy river” on an inner tube? It’s basically a fake tiny river. A slow but steady current pushes the tubes along. It’s not a lot of current or momentum. But if you’ve seen kids try to go the “wrong” way up the river, it’s... Read more »
  • The Most High Leverage Habit
    My 24th birthday was a watershed moment for me. It was the turning point for how I chose to look at circumstances. It all started with a birthday cake and a gift. Growing up I had loved the Care Bears. So my wonderful husband and housemate bought me a Care... Read more »
  • 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 »
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    Can I Retire Yet?

  • Financial Autopilot
    In an era of two income households struggling to make ends meet, my story sounds extreme. I retired from my career as a physical therapist at the age of 41 while my wife cut back to part-time work five years earlier at age 35. Some might think we spent a... Read more »
  • Building Your Work Optional Life
    Tanja Hester and her husband, Mark Bunge, retired in December 2017 at the ripe old ages of 38 and 41. Hester, author of the award winning blog Our Next Life, is releasing a new book, “Work Optional: Retire Early the Non-Penny-Pinching Way,” to help others create their own early retirements.... Read more »
  • We Finally Get Better Credit Cards
    What would you do for an extra $500/year? I’ve written about how much I value my time and often choose financial simplicity over saving a few bucks here and there. For that reason, we’d been using the same 1% cash rewards USAA credit cards for many years. But, given the... Read more »
  • January 2019 Best of the Web
    The biggest news from the investing world this month was also the saddest. John Bogle passed away. Investors lost their biggest ally. The world lost a great man. We start our round up of the best articles from around the web with a few paying tribute to Mr. Bogle. There... Read more »
  • Early Retirement Tax Planning 101
    Complaining about taxes is our national pastime. Many people think others aren’t paying their fair share. At the same time, we’re all certain we’re paying too much. Nearly everyone complains about taxes. Few people take the time to actually understand the tax code and learn the easy, legal and low... 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

  • The more unrealistic your goals are, the more of them you need
    I got to thinking the other day, as I so often do, after seeing somebody toss off a joke on Twitter. The gag is an asset manager being told by a prospective client, “I need real, net of fee returns of 8%, so I don’t think you are a fit.”... Read more »
  • Reminder: the buyback debate is about taxes, not corporate finance
    Long-time readers know that the way to tell if a financier is lying about stock buybacks is to check if their mouth is moving.But since buybacks are back in the news, meaning lies about buybacks are back in the news, I thought I’d offer a quick refresher. If buybacks and... Read more »
  • Book Review: “Stubborn Attachments,” Growth, and Welfare
    One of my favorite libertarian economists is the director of the Koch-financed Mercatus Center, and Bloomberg columnist, Tyler Cowen. He’s a truly inspired troll in the model of an Ayn Rand or a Milton Friedman, constantly asking important questions like “what if the things you think are good are actually... Read more »
  • Means-testing and Appalachian roots
    In October, 2017, the Washington Post published a very strange series of articles about the recipients of disability benefits in the United States. The entire series is worth reading for various reasons, but I want to direct your attention to one particular entry: After the check is gone.The principal character in... Read more »
  • Learning to love Baumol’s cost disease
    Baumol’s cost disease is one of the simplest ideas in economic theory, but I experience it as a kind of brain worm: once you know about it, you see evidence of it virtually everywhere. You can read the Wikipedia page as well as I can, but this is how I... Read more »
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    Slowly Sipping Coffee

  • Time Can Rack up Debts, Just Like Money
    As I wrote in my last post transitioning to a non-work life is hard. I think a lot of what makes it difficult is having all of that unstructured free time and figuring out what to do with it. We all have visions of early retirement and what we would... Read more »
  • VideoTransitions Can Be Rough – Stay Flexible
    “I told Althea I was feeling lost – lacking in some direction.” This lyric by the Grateful Dead has been bouncing around my brain the last 6 months. Why the last 6 months? That’s been the amount of time since I moved from Houston to Oklahoma. The plan was that... Read more »
  • 2018: The Year of the Lifestyle Change
    What a year 2018 was for the SSC household. There was a LOT going on with the kids, the dogs, our house, and most importantly both of our jobs. At the beginning of the year we were designing a house to be built on our property at Canyon Lake and... Read more »
  • 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 »
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    Coach Carson Real Estate & Financial Independence Podcast

  • mp3#16 - Ask Coach - How to Find the Best Real Estate Investment Deals
    Have you ever had a hard time finding a good real estate investment deals? You're not alone. It's probably the toughest part of the real estate business. But there are some strategies and tricks that you can use to stay ahead of the competition. Coach Carson shares his advice on... Read more »
  • mp3#15 - What Suze Orman Got Wrong About the FIRE Movement
    Suze Orman gave the FIRE (Financial Independence/Retire Early) movement a Suze-smackdown on a recent interview. But she also got some BIG things wrong, which I expose in this episode. For a companion article & show links visit: https://www.coachcarson.com/suze-orman-fire-movement/. Suze Orman interview at: https://affordanything.com/154-youll-need-at-least-10-million-to-retire-early-says-suze-orman/. My rental Retirement Strategy: https://www.coachcarson.com/rental-retirement-strategy/ -------------------------- 🙂 If... Read more »
  • mp3#14 - Ask Coach - How to Safely Refinance a Rental Property So That You Can Buy More
    What if you already own multiple rental properties that have equity (i.e. they are worth more than you owe) and you want to refinance them, pull cash-out, and buy more rentals? What's the safest and smartest way to do that?  Coach Carson tackles that question and more in this edition... Read more »
  • mp3#13 - Real Estate Investing For Beginners - How to Find Your Focus
    For real estate investing beginners, analysis paralysis is the enemy of your success. This episodeepisod you get focused & moving forward confidently. For a companion article & show links visit: https://www.coachcarson.com/real-estate-investing-beginners/ ------------------------- 🙂 If you want to support the show, here are some easy ways: 1) Leave an iTunes review: https://coachcarson.com/itunes 2) Subscribe... Read more »
  • mp3#12 - Ask Coach - How to Overcome Self-Limiting Beliefs
    Have you ever thought to yourself "who am I to attempt these lofty financial or life goals? Do you think you can really do this?" In other words, have you ever been weighed down by self-limiting beliefs?  I sure have. And in this episode, I share what I've done (and... Read more »
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    Done by Forty

  • Work Optional: Rebranding FIRE
    Inspiring, thoughtful, and detailed to the point of wondering if a book can be too well researched, Tanja Hester's Work Optional examines financial independence and early retirement with a scope that sets the book apart. This easy read can surely introduce "FIRE" to a newcomer, while forcing long-time enthusiasts to question... Read more »
  • The Wage Gap, & Sharing Salary with Women
    Source"We are labor. They are management," Ang, my coworker friend from the other side of our cubicle wall, reminded me."I know. But I'm new."Without me realizing it, as a 21 year old employee who knew nothing about anything, Ang was mentoring me, as well as advocating for me to be... Read more »
  • 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 »
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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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    The BiggerPockets Blog

  • Opportunity Funds Are Knocking—How Will You Answer?
    The tax benefits of investing in Qualified Opportunity Zones are substantial. Real estate investors looking to take advantage of these perks must first set up a Qualified Opportunity Fund. Here's how to do it. View the full article: Opportunity Funds Are Knocking—How Will You Answer? on The BiggerPockets Blog. This... Read more »
  • Why You Should Stop Walking Away from Imperfect Deals
    Real estate investors often become obsessed with metrics, walking away from what could've been a great deal because it fails to hit certain numbers. This is a mistake and can cost you big. Why? Because time is money. Let me explain. View the full article: Why You Should Stop Walking... Read more »
  • Why I’ll Never Fix and Flip Houses Again
    Fixing and flipping houses looks cool on "reality" TV, but in actuality, many are finding that it isn’t nearly as profitable as what it is perceived to be. View the full article: Why I’ll Never Fix and Flip Houses Again on The BiggerPockets Blog. This content is Copyright © 2017... Read more »
  • 7 Signs You’re Financially Stable (and 3 Signs You’re Not)
    Are you financially stable? Check in with these seven signs of financial stability and three signs of financial instability to find out. Room for improvement? (You're not alone.) Grow your wealth and work toward financial independence with these tips and tricks. View the full article: 7 Signs You’re Financially Stable... Read more »
  • Why Your Real Estate Portfolio Is Not Safe
    When evaluating a real estate opportunity, you truly need to keep your analysis simple and make your estimates conservative—and then apply a margin of safety to your numbers. Applying the margin of safety cannot be stressed enough. Here I explain why and how to go about it. View the full... Read more »
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    Satisfied Ghost

  • All about I Bonds
    Where do you stash your cash? All of us should have an emergency fund in cash that we can easily access. I’ve used savings accounts like Capital One 360 for years and recently switched some to Ally Bank for an excellent $1,000 bonus they offered last year. Capital One’s money... Read more »
  • 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 »



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    Birds of a FIRE

  • Drop App Review: [5,000 Point Drop Referral Code] For Cash Back
    Drop is an app that gives you cash back for spending money on things you already buy! Who doesn’t like free extra money? You can earn money from Costco, Uber, Lyft, Whole Foods, and so many more big brand name retailers. You’ll also get access to special cash back offers.... Read more »
  • 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 »
  • Arcadia Power Review: Free Clean Energy? [$5 Signup Bonus]
    In the era of global warming, being able to purchase clean energy in a simple manner is incredibly important. Enter Arcadia Power with their easy to use REC, solar, and price alert programs that could save you money while creating demand for clean energy! Check out our review of this... Read more »
  • Receipt Hog Review: Worthwhile Grocery Cashback App Or Not?
    Nowadays, there are so many cash back and money making apps! Receipt Hog is another grocery cash back app. There are a ton of mixed reviews for Receipt Hog, so we decided to take a closer look at whether this cash back app is worth it or not. What Is... 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 »
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    Financial Samurai

  • Three Favorite Ways To Earn Money And Pay Less Taxes
    John F. Kennedy once said, “Ask not what your country can do for you, ask what you can do for your country.” I took his message to heart when I came to America as a teenager. As soon as I started my first job out of college, I was proud... Read more »
  • Average Consumer Expenditure Per Year Proves Americans Are Living The Dream
    We know the average spending for American households over the age of 65 is a surprisingly high $45,756 a year or $3,800 a month according to the Bureau of Labor Statistics. Given the average Social Security benefit is only $17,532 a year, or $1,461 a month, the average retiree likely... Read more »
  • Mental Illness Deserves A Sick Day Just Like A Physical Illness
    What’s great about America is that we’ve got a highly productive workforce that grinds like no other. We invent some of the greatest products and consistently build some of the largest companies in the world. What’s sad about America is that we’re working ourselves to an early death. We pride... Read more »
  • If You Love Your Spouse, You’d Make Them Financially Independent
    I hope everyone had a wonderful Valentine’s Day! I spent about $360 dollars on a dozen long stem red roses and took my wife on a scenic helicopter ride over Napa Valley to a secret mountain villa. Just kidding. Instead, I got her some white roses for $20 because they... Read more »
  • To Get Ahead, Choose Production Over Talent Every Single Time
    There will undoubtedly be tremendous turbulence in our lives that will test our faith. But controlling what we can control is a vital part of growth and happiness. My favorite thing to control is work ethic. Because I realized early on I neither had the mental or physical talent to... Read more »
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    Afford Anything

  • mp3#178: How to Make Work Optional, with Tanja Hester
    [smart_track_player url="http://traffic.libsyn.com/paulaandjaymoney/AA178.mp3" title="How to Make Work Optional, with Tanja Hester" 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" ] Tanja Hester retired at age 38. She had a negative net worth until her late 20's, thanks to a combination of student loans, buying expensive cocktails and clothes, living... Read more »
  • mp3#177: Ask Paula and Joe: Should I Buy a House or Catch Up on Retirement Savings?
    [smart_track_player url="http://traffic.libsyn.com/paulaandjaymoney/AA177.mp3" title="Ask Paula and Joe - Should I Buy a House or Catch Up on Retirement Savings?" 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" ] Imagine that your job is extremely well-paying, but you don’t enjoy it. You’d like to switch employers, even though this will... Read more »
  • mp3#176: Digital Minimalism – with Dr. Cal Newport
    [smart_track_player url="http://traffic.libsyn.com/paulaandjaymoney/AA176.mp3" title="Digital Minimalism - with Dr. Cal Newport" artist="Paula Pant" social="true" social_twitter="true" social_facebook="true" social_gplus="true" social_linkedin="true" social_stumble="true" social_pinterest="true" social_email="true" ] Cal Newport created a philosophy called digital minimalism, which is idea of reducing your digital life down to only the most important core essentials. Remove the apps from your phone,... Read more »
  • mp3#175: Three Percent is the New Four Percent – with Larry Swedroe, Retirement Planning Expert
    [smart_track_player url="http://traffic.libsyn.com/paulaandjaymoney/AA175.mp3" title="Three Percent is the New Four Percent - with Larry Swedroe, Retirement Planning Expert" 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" ] Larry Swedroe is one of the most respected investment thinkers and writers of our time. He's published 8 books on investing, including one... Read more »
  • mp3#174: Ask Paula – I’m 48 and Retiring Next Year. Should I Buy More Rentals?
    [smart_track_player url="http://traffic.libsyn.com/paulaandjaymoney/AA174.mp3" title="Ask Paula  - What Do You Think About For Sale By Owner?" 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 48-year-old New Yorker who’s retiring next year buy more rental properties? Should a Michigan-based first-time homebuyer use an FHA loan to buy a... Read more »
    +

    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

  • Friday’s Frugal Five (2019 – Week 7)
    So, it hasn’t actually snowed in a week and a half but there is still plenty of snow and ice left in our neighborhood. While most of the city is snow free except for a few piles that were pushed out of the way before everything else melted, our neighborhood... Read more »
  • Women’s Personal Finance Wednesdays: Week 22 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: January 2019
    Again, I think this is one of those months where I am way too hard on myself. After missing out on my 2018 savings goal by a few percentage points, I went into 2019 with a renewed focus to hit that full fifty percent savings rate this year. Of course,... Read more »
  • Friday’s Frugal Five (Snowpocolypse Edition)
    The snow started before we returned home from our Hawaii trip and it was still icy enough that we parked my car at the bottom of the street that day, but the more intense second round didn’t start until Friday afternoon. I was able to head home earlier in the... Read more »
  • Women’s Personal Finance Wednesdays: Week 21 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 »
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    Mr. Free At 33

  • Expenses For January 2019
    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 »
  • Change Of Plans (The Next Phase Of My Life)
    All right, guys. Change of plans. But first, let me back up and give you some perspective on how I think about life. I’ve roughly sketched out the rest of my life, from now until I die (hopefully, in my early 80s). I have a basic idea of what I’d... 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 »
  • Buffett’s Latest Trades
    I go over Berkshire Hathaway’s latest buys and sells in their common stock portfolio each quarter, after their latest 13F is released. I’m a huge fan of Warren Buffett, as are millions of other investors around the world. And so it’s a great honor to see what he’s up to.... Read more »
  • What Would A Superedit Of Your Life Look Like?
    Believe it or not, I don’t actually keep up with much from the US anymore. News, politics, etc. It’s mostly out the window for me, which is a relief. My quality of life is much higher without the noise. I have a best friend in the US, though, so 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 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

  • Surgery in Thailand: Bumrungrad International Hospital
    I seek treatment at Bumrungrad International Hospital for a growth in my chest. How did it go? Was it cost effective to travel to Thailand for medical care? The post Surgery in Thailand: Bumrungrad International Hospital appeared first on The Frugal Vagabond.... Read more »
  • Semi-FIRE Abroad: Ordinary Days, Extraordinary Life
    We've been living here in Spain for about four months now, so how is it going? Is it everything we'd hoped for? What do we miss most (and what do we not miss at all)? Just what are we doing with all that spare time? The post Semi-FIRE Abroad: Ordinary... Read more »
  • 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 »
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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

  • Wealth Dysmorphic Disorder
    Wealth Dysmorphic Disorder My mind plays tricks on me. There is no doubt about it. I noticed it first in my journey to lose weight. I was chubby. Not obese. Not fat. I just... The post Wealth Dysmorphic Disorder appeared first on DiverseFI.... Read more »
  • Goals and Plans
    Goals and Plans As many of you know, I have lived most of my life as an achievement junkie. Day in and day out, I measured myself on the durability of my accomplishments. Strangely,... The post Goals and Plans appeared first on DiverseFI.... Read more »
  • The Advantages of Writing Daily
    The Advantages of Writing Daily The most frequent question I get about the blog is how I can keep up my publishing schedule. I’ve been asked a million times. My answer is always the... The post The Advantages of Writing Daily appeared first on DiverseFI.... Read more »
  • Confronting Inner Demons
    Confronting Inner Demons I used to think financial independence was solely about strength. It is the strong move to make to take control of resources and free oneself from the burden of the indentured... The post Confronting Inner Demons appeared first on DiverseFI.... Read more »
  • What’s Up Next Podcast: Episode 18
    What’s Up Next? Paul Thompson and I are proud to release episode 18 of The What’s Up Next Podcast.  This podcast is an exploration of financial independence and taking the conversation to the next... The post What’s Up Next Podcast: Episode 18 appeared first on DiverseFI.... Read more »
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    Vital Dollar

  • 11 Important Lessons I’ve Learned from Working with the Homeless
    In the fall of 2017, after reading the book The Hole in Our Gospel, I started volunteering at a local homeless shelter as a way to give back and help people in need within my own community. I had served meals at a different homeless shelter during my freshman year of... Read more »
  • How Lidiya Consistently Earns $3,000/Month with Sponsored Blog Posts
    Everyone sees how big bloggers are earning close to $10K/month from blog sponsorships, and yet many people wonder where this income is coming from exactly. Most small bloggers don’t even consider this monetization method and instead focus solely on affiliate marketing, ad revenue and creating and selling their own products.... Read more »
  • How to Generate Income from Rental Property
    When it comes to different types of investments, real estate is one of the most popular choices aside from stocks and mutual funds. There are a lot of different ways to invest in real estate. Some of the options involve owning and managing the property yourself. Others, like REITs and... Read more »
  • Interview with Side Hustle Extraordinaire, Scott from Making Momentum
    One of the great things about side hustles is the endless possibilities. It doesn’t matter what skills of experience you have, what your schedule looks like, or where you live, there are plenty of opportunities available. Most of my experience with side hustles involves my hobbies (see my article How... Read more »
  • 25+ of the Best Coupon Sites and Apps to Save Money
    If you like saving money, I’m sure you love coupons. But if you haven’t been using coupons, it’s probably because you don’t want to spend hours finding coupons that will save you a few dollars. I have good news. There are a number of websites and apps that make it... Read more »
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    Vital Dollar

  • 11 Important Lessons I’ve Learned from Working with the Homeless
    In the fall of 2017, after reading the book The Hole in Our Gospel, I started volunteering at a local homeless shelter as a way to give back and help people in need within my own community. I had served meals at a different homeless shelter during my freshman year of... Read more »
  • How Lidiya Consistently Earns $3,000/Month with Sponsored Blog Posts
    Everyone sees how big bloggers are earning close to $10K/month from blog sponsorships, and yet many people wonder where this income is coming from exactly. Most small bloggers don’t even consider this monetization method and instead focus solely on affiliate marketing, ad revenue and creating and selling their own products.... Read more »
  • How to Generate Income from Rental Property
    When it comes to different types of investments, real estate is one of the most popular choices aside from stocks and mutual funds. There are a lot of different ways to invest in real estate. Some of the options involve owning and managing the property yourself. Others, like REITs and... Read more »
  • Interview with Side Hustle Extraordinaire, Scott from Making Momentum
    One of the great things about side hustles is the endless possibilities. It doesn’t matter what skills of experience you have, what your schedule looks like, or where you live, there are plenty of opportunities available. Most of my experience with side hustles involves my hobbies (see my article How... Read more »
  • 25+ of the Best Coupon Sites and Apps to Save Money
    If you like saving money, I’m sure you love coupons. But if you haven’t been using coupons, it’s probably because you don’t want to spend hours finding coupons that will save you a few dollars. I have good news. There are a number of websites and apps that make it... Read more »
    +

    Vital Dollar

  • 11 Important Lessons I’ve Learned from Working with the Homeless
    In the fall of 2017, after reading the book The Hole in Our Gospel, I started volunteering at a local homeless shelter as a way to give back and help people in need within my own community. I had served meals at a different homeless shelter during my freshman year of... Read more »
  • How Lidiya Consistently Earns $3,000/Month with Sponsored Blog Posts
    Everyone sees how big bloggers are earning close to $10K/month from blog sponsorships, and yet many people wonder where this income is coming from exactly. Most small bloggers don’t even consider this monetization method and instead focus solely on affiliate marketing, ad revenue and creating and selling their own products.... Read more »
  • How to Generate Income from Rental Property
    When it comes to different types of investments, real estate is one of the most popular choices aside from stocks and mutual funds. There are a lot of different ways to invest in real estate. Some of the options involve owning and managing the property yourself. Others, like REITs and... Read more »
  • Interview with Side Hustle Extraordinaire, Scott from Making Momentum
    One of the great things about side hustles is the endless possibilities. It doesn’t matter what skills of experience you have, what your schedule looks like, or where you live, there are plenty of opportunities available. Most of my experience with side hustles involves my hobbies (see my article How... Read more »
  • 25+ of the Best Coupon Sites and Apps to Save Money
    If you like saving money, I’m sure you love coupons. But if you haven’t been using coupons, it’s probably because you don’t want to spend hours finding coupons that will save you a few dollars. I have good news. There are a number of websites and apps that make it... Read more »